Thread will be lengthy please be patient
Before june this year I didn’t had any credit card tried a few times but every time my cc application was rejected fyi i am a self employed individual who runs a shop but don’t file an itr neither my shop is registered thinking of registering it but leave that discussion for some other day. Now coming to this thread till june i only had a basic savings account with sbi than after getting rejected for few cc applications i applied for bajaj finserv insta emi card it got approved but i had to pay around Rs 550 as registration fee but never used it till date, after getting this I applied again for apay icici and flipkart axis in September and i was surprised as both got approved icici gave me a decent limit of 1.3L but axis gave only 15k.
Now i want to increase my credit card portfolio by adding a card of sbi and hdfc as this will cover most of the big sales my current
Cibil =748
Crif =755
Experian =819
As i am not into money rotation and all that stuff so all my spending will be genuine and also i am not a heavy spender but does shop occasionally so i want your suggestions for getting new cards that and life time free as I don’t think i will reach spend based fee waiver so kindly suggest cards which are life time free.
I am thinking of taking hdfc millennia cc, received a call from them that it can be approved via c2c didn’t had my icici statement back then because of some email id mismatch but have the statement now so thinking of getting it in January next year although this card is paid but going through some threads here learnt that it can be converted to ltf by spending 50k in first 90 days
As for sbi i am thinking of simply click but again by reading some threads here learnt that it’s very rare to get a sbi cc which is lft so i will pay 590 for this card as i think i will recover that cost
Do you think i also should have another bank cc apart from these 4
Also as the cards i hold doesn’t give benefits in every situation so can you also suggest any other cc from icici and axis which are ltf to use in bank offers
Only suggest cards which i can apply via c2c as I don’t have itr and salary slips and also best and easy way to get them tia
Please give your suggestions i will be really thankful to you
myfungang829 wrote:It’s a credit card, mine shows as card by IDFC…..
So will it work on both the cases i.e, for offers on one card and also for offers on idfc?
does applying on c2c also require pan card and adhar card OTP verification ???
i applied for axis cc thru my hdfc card and bank guy took all my details like he is going to open bank account 
hackerboys wrote:does applying on c2c also require pan card and adhar card OTP verification ???
i applied for axis cc thru my hdfc card and bank guy took all my details like he is going to open bank account
You are opening a credit account with the bank by availing the cc so indeed they require everything.
hackerboys wrote:if it gets rejected on c2c basis , will it effect my cibil ? as i provided pan
Of course, they will do a hard enquiry.
hackerboys wrote:if it gets rejected on c2c basis , will it effect my cibil ? as i provided pan
Cibil hits the same day you apply for card, card approval or rejection happens later. 
Scorpion wrote:When was ur last enquiry happened in CIBIL?.
If it is more than 1 month u can give a try for one card…
Off topic
Does axis provide any other card life time free other than Flipkart axis
And which is better icici platinum chip or icici mmt
Also can you tag some dimers in this thread who can give me good suggestions T I A
rahulsoni0706846 wrote:Off topic
Does axis provide any other card life time free other than Flipkart axis
And which is better icici platinum chip or icici mmt
Also can you tag some dimers in this thread who can give me good suggestions T I A
@RowdyAK47 @PowerStar @RunZone @androgame @getready
pls assist or tag some CC expert.
Scorpion wrote:@RowdyAK47 @PowerStar @RunZone @androgame @getready
pls assist or tag some CC expert.
Axis Myzone, Axis neo can be issued LTF, need to negotiate with customer care to convert to LTF
ICICI Platinum is good enough for offers
@rahulsoni0706846
RunZone wrote:Axis Myzone, Axis neo can be issued LTF, need to negotiate with customer care to convert to LTF
ICICI Platinum is good enough for offers
@rahulsoni0706846
Can we call the customer care and get Myzone or Neo card? Are they LTF by default?
RowdyAK47 wrote:Can we call the customer care and get Myzone or Neo card? Are they LTF by default?
All are paid by default but you can negotiate for LTF. Threaten to close the card.
Also depends on the executive how he wants to take it forward. They may proceed with cancellation or convert you card to LTF.
RunZone wrote:Axis Myzone, Axis neo can be issued LTF, need to negotiate with customer care to convert to LTF
ICICI Platinum is good enough for offers
@rahulsoni0706846
I already have flipkart axis does taking another axis cc makes sense fyi i am not a heavy spender but does shop occasionally i need cc for bank offers only sole reason for eyeing another axis cc is because sometimes flipkart axis gets excluded from sales on amazon
RunZone wrote:All are paid by default but you can negotiate for LTF. Threaten to close the card.
Also depends on the executive how he wants to take it forward. They may proceed with cancellation or convert you card to LTF.
Which has low joining and annual fees between myzone, neo and ace
Also as limit of my flipkart axis is only 15k if i apply for a new cc will i get limit shared or a fresh limit?
rahulsoni0706846 wrote:I already have flipkart axis does taking another axis cc makes sense fyi i am not a heavy spender but does shop occasionally i need cc for bank offers only sole reason for eyeing another axis cc is because sometimes flipkart axis gets excluded from sales on amazon
In that case, hold on to the FK Axis card
rahulsoni0706846 wrote:Off topic
Does axis provide any other card life time free other than Flipkart axis
And which is better icici platinum chip or icici mmt
Also can you tag some dimers in this thread who can give me good suggestions T I A
Axis Provides FK & LIC Cards – LTF Rest All Are Chargeable
ICICI Provides – Platinum As LTF
ICICI MMT – 590Rs Charges ( 500Rs Back In MMT Wallet) After That No Annual Charges ( Kind Of LTF) Effectively 90Rs
Sidhi.Baat.No.Bakwas wrote:Mmt wallet my cash how to use.. any trick.. without travel?
Dont Know Bro
Scorpion wrote:Options for you are below
One Card – No documentation. Only issued based on CIBIL. LTF
SBI Simply Click – Waiver of Annual fee after spending 100000 pa.
BPCL SBI – High chance of approval since it is Co branded card. Also waiver after spending 50000 pa. Only drawback is not good reward points. If u need only to use in offer time u can take this. They will also give good limit.
IDFC Cards – LTF. Best rewards than the above 3 cards after spending 20000 pm.Choose to apply one card per month to keep a check on your CIBIL score as well.
Edit : Iam also self employed right now. i dint file itr ever since 2013 (Before that salaried for 8 years)
Which one card do you hold secured or unsecured
rahulsoni0706846 wrote:Which one card do you hold secured or unsecured
Unsecured issued by Federal Bank
Metal card.
Scorpion wrote:Options for you are below
One Card – No documentation. Only issued based on CIBIL. LTF
SBI Simply Click – Waiver of Annual fee after spending 100000 pa.
BPCL SBI – High chance of approval since it is Co branded card. Also waiver after spending 50000 pa. Only drawback is not good reward points. If u need only to use in offer time u can take this. They will also give good limit.
IDFC Cards – LTF. Best rewards than the above 3 cards after spending 20000 pm.Choose to apply one card per month to keep a check on your CIBIL score as well.
Edit : Iam also self employed right now. i dint file itr ever since 2013 (Before that salaried for 8 years)
Self employed , did not file returns since 2013…..Why bro?
dhinchakrohit wrote:Self employed , did not file returns since 2013…..Why bro?
My annual income is less than Taxable income.
If anyone wants to apply Axis cards, use Russh app to get 750rs cashback. Check their app for more details…
