Which Credit Card should I apply for next?

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Hunk
A_J

I started my Credit Card journey about one year back and I now hold 10 cards. I am always on the lookout for LTF cards or cards with good CB, so please suggest which card/cards I should apply for next. These are the cards I currently hold -

1. SBI Simplyclick – 499 + GST

2. Axis Flipkart  – LTF

3. HDFC Millenia -  LTF

4. ICICI : Apay, Platinum, MMT – All LTF 

5. BoB Select  – LTF

6. RBL Zomato  – LTF

7. Onecard  – LTF

8. IDFC Millenia - LTF

I know Axis Ace is a  very good card, but I feel FK Axis LTF with 1.5% CB is almost as good as Ace with 2% CB and 499 + GST fee, especially since I don’t pay a lot of bills. I am looking for another Axis CC, preferably LTF, as FK Axis no longer gives 10% discount during sales. I’m also looking to get an Indusind CC. Are there any other good CC’s to hold? Which premium/super-premium cards are worth the fee?

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Deal Cadet Deal Cadet
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Whoa! 😮

Deal Subedar Deal Subedar
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slice

Hunk Hunk
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AS007 wrote:

slice

Not a CC and I’m not really sure about BNPL/Credit line service. Once the offers dry up, which will happen sooner or later, Slice and services like Slice will become useless if you have good CCs that offer good CBs, at least that’s my opinion. 


Deal Newbie Deal Newbie
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How to get another ICICI card after getting ICICI Amazon first?

Deal Cadet Deal Cadet
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IndusIND

Deal Subedar Deal Subedar
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saxena_ wrote:

How to get another ICICI card after getting ICICI Amazon first?

Very less chance…… Amazon pay card is dead end in icici

Deal Subedar Deal Subedar
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saxena_ wrote:

How to get another ICICI card after getting ICICI Amazon first?

Call customer support and ask for an another card. Except platinum u can get any entry level card

Delhi Capitals Delhi Capitals
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You need to cross fee waiver req spend then 

Standerd charter smart 2%
axis ace 2%
amex mrcc+ smart combo 

For ltf i think You are done 

Also dont underestimate that 0.5% every penny counts

Deal Newbie Deal Newbie
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As an LTF, you can apply for HSBC visa platinum.
Or if you’re lucky enough you can even get premuim card that’s too LTF in indusInd Bank. I have received it last month only (Legend Variant).

Chennai Super Kings Chennai Super Kings
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demerius2020 wrote:

You need to cross fee waiver req spend then 

Standerd charter smart 2%
axis ace 2%
amex mrcc+ smart combo 

For ltf i think You are done 

Also dont underestimate that 0.5% every penny counts

He would have to spend 1,18,000 to match even with 590 fee of ace card with the extra 0.5% cashback. Seems fair enough he wants to keep Flipkart ltf

Deal Newbie Deal Newbie
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i am also looking for indusind cc ..but recent devaluation across all cards …can anyone suggest..ls legend worth it  though they r giving Ltd…wbt pinnacle ..i heard from bank exc..it might come on visa pltf..n remaining celsta crest indulge r paid..

Hunk Hunk
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Ami_07 wrote:

As an LTF, you can apply for HSBC visa platinum.
Or if you’re lucky enough you can even get premuim card that’s too LTF in indusInd Bank. I have received it last month only (Legend Variant).

HSBC and AU small Bank do not issue cards in my city. Indusind is on my list of cards to get, bit i don’t see many offers on their cards

Hunk Hunk
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Tanmayyy wrote:

He would have to spend 1,18,000 to match even with 590 fee of ace card with the extra 0.5% cashback. Seems fair enough he wants to keep Flipkart ltf

Yes, i feel Paid Ace is best only if you pay a lot of bills or if you use it as your sole card, thus helping you easily cross that 2 lakh spend required for fee waiver. IMO there are better ways to pay small bills less that say 2000 and cards like Millennia offer almost equivalent returns with their 1000 voucher on 1 lakh spends per quarter plus 1%/5% CB.

Deal Cadet Deal Cadet
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saxena_ wrote:

How to get another ICICI card after getting ICICI Amazon first?

Saw a thread recently on this, search DD

Deal Cadet Deal Cadet
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saxena_ wrote:

How to get another ICICI card after getting ICICI Amazon first?

According to @joydeep611533

Trick to get another icici card using apay card.            1.Go to imobile select apay card> manage then select expression card.            ;
2.Expression card works like any other icici credit card and has issuance and annual charges of 499+gst works on sale..you will get different credit card number from apay so dont worry about that
3.After getting expression card you can upgrade that card to any other icici card like mmt coral etc by calling customer care.Personally done by me have 3 icici card apay then expression then mmt
4.You cannot upgrade apay card directly but you can do it this way by getting expression card first then upgrading that card..or you can use the expression card also buy it has annual fees unlike mmt which has only issuance fees for first year.

Deal Lieutenant Deal Lieutenant
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Does indusind offer another card if you already have an emtry level card?

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