Which is the best Credit Card Would You Apply ?
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Hello Guys,
If you a get a chance of getting any credit card for lifetime free than which card will choose to apply and why ?
Is it free to apply and free for lifetime?
Yesa same
Got 15k cashback till now 
+1
Axis Ace for being an all-rounder.
Holding 13 CCs and most of them are beginner ones.
Haven't reached the milestone in life yet where I've high spends so that I can afford premium CCs but in my limited amount of aspiration for CCs, if given the chance, I would love to have the following CCs LTF :
HDFC Infinia - I've been eyeing this for long and was hoping to at least get DCB (LTF) but stuck at Regalia (LTF) till date. In 2020, it was the king of CCs and a rare CC being offered LTF around 2020-21. Has several benefits and even after devaluation, unlimited lounge access using Priority Pass is one in a million benefit it offers.
Axis Reserve - Axis has been doing good in the CC industry lately and this comes as a super premium CC, so, why not have a bite at this instead of Magnus. Although if Magnus is provided LTF, I would love to have that at least. Both Reserve and Magnus covers a lot of things in one place, like reward points can be converted into airmiles, so, no need to have airline carrier specific CCs, offers on dining platforms like Eazydiner, movie tickets etc eliminates the need to hold so many different cards.
Amex Membership Rewards - For the beauty of Amex and the support they offer, aspire to hold this CC for sure in near future.
Not included beginner level CCs as I already have several of them.
P.S. I hold the following CCs - HDFC Regalia (LTF), Tata Neu Infinity RuPay HDFC (LTF), IDFC First Wealth (LTF), Amazon Pay ICICI (LTF), Axis Flipkart (LTF), Citi Rewards, RBL Shoprite (LTF), IndusInd Legend (LTF), ICICI Platinum (LTF), SBI Cashback, Ola Money SBI (to be closed this month), OneCard (LTF), BoB RuPay Premier (LTF)
meme image
AU LIT
@sahil1033 Yes, I even spoke personally to a grievance officer (lady) and my HDFC relationship is about 10 yrs now, higher staff is really polite and caring (not that lower ones are bad, but difference and sometimes ignorance exists, as I don't concede to loan ofeers and shit)... expect good now that hdfc and bank is amalgamated... customer centric institution.
I want both HDFC INFINIA and HDFC Regalia Business
regalia business card gives full reward points for tax payments and utility bill payments
Does non business one will also give points on Tax Payment ?
Axis vistara infinite lo
aap dila do XD
AU LIT, 10% reward points. 100 reward points is 20 rupees gift voucher ( majority are available)
This question comes back again and again but we never had a clear answer..and after reading all the comments above .. confused again...but seems like HDFC leading the choices
Can someone suggest best credit card with Rupay UPI(Used for Daily UPI transaction) + LTF.
Any bank is fine.
Tata neu infinity. Check the Tata neu app if it shows LTF to you.
I am eyeing HDFC infinia. But it won't come LTF.
Mostly I use SBI cashback, diners black, Au xcite ultra, Axis Ace and bob Hpcl rupay.
I got diners black LTF.
I have 18 CCs.
List -
ICICI apay
ICICI hpcl
Bob Select
Bob Hpcl rupay
HDFC diners black
HDFC Tata neu infinity
Standard chartered smart
Standard chartered emt
Yes prosperity rewards plus
Axis Ace
Idfc select
One card
Kotak gold urbane
Indusind platinum
SBI cashback
SBI simply save
Au xcite ultra
HSBC platinum
How did you get Diners LTF?
I have Kotak white signature card 2 % cashback on all spends no tnc good for anything which is devalued now.
How to get hdfc Millenia ltf?
I have also lots of credit cards but after using lots of cards I like only 2 CC. Firstly play card from rbl bank as I m movie lover ...just spent 5000 n got 2 free tickets from book my show. ..n lastly icici Amazon that is given flat 2% cash back so the rest are ok for me....
Au Lit
But you need to be consistent and organized with your spending to make full use of this card.
One of the best cards with no exclusions even wallet load counts for cashback.
Honestly surprised how this card is still seen as an entry-level ltf card.
Because it requires genuine spend based on very careful planning(probably the most complicated T&C among all credit cards) which not a lot of ppl want to or can afford to do.
SBI Elite LTF would be good.
Already having regalia, would like to upgrade any Hdfc cc.
How do I get 5% cashback on Flipkart using hdfc millennia m
I've paid through my credit card but still I see no cashback reflecting even after a month of shopping
Am i missing any procedure while shopping?
CashBack will be given in the form of CashPoints, which can be redeemed by the customer against the statement balance. The CashPoints will be posted as Reward Points only.
• The redemption against the statement balance will be at the rate of 1 CashPoint = ₹1, and can be done via Net Banking login, Phone Banking, or physical redemption form.
• The minimum CashPoints balance required for redemption against the statement balance is 500 CashPoints.
HDFC Millennia Visa/Mastercard
Useful during sale
Instant discount plus 5% cb upto 1000 as bonus
HDFC Tata Neu Infinity Rupay
1.5 % cb for UPI marchant transaction along with 10% neu coins from Tata neu & yeh instant Bank discount during sale days
HDFC Millennia (LTF) and Axis Ace
How to get Millenia ltf. No prior relationship with hdfc
Hello I am using a Hdfc Millennia Credit Card which is a Lifetime Free Credit Card with no Joining Fees..
Now I got an Email from the bank for an Upgrade Card to Diners Privilege Credit Card with No Joining Fees but Annual Fees 2500rs + Gst from next year or Spend 3Lacs in a year to waive off..
Is it worth upgrading the card???
Can it benefit Limit Increase in future???
What is your opinion??
i am holding past 4 years good benefit card is
1. Kotak White Card (yearly 27k gift voucher benefits)
2. SBI Elite Card (yearly 12500 cash back + 10k gift vouchers & monthly 2movie tickets free & many more benefits)
3. RBL Icon (Yearly 15k gift voucher benefits)
You can apply for CANARA BANK RUPAY platinum card which work on UPI plate fare an also. Apply by emailing at [email protected] but you have a savings / salary accounts with them. For vehicle & housing loan also you can apply there
Hdfc milennia cc, Gives instant discount in sale's with 5% cashback. And gives cashback even on emi transaction.
Axis Ace for being an all-rounder.
Holding 13 CCs and most of them are beginner ones.
Haven't reached the milestone in life yet where I've high spends so that I can afford premium CCs but in my limited amount of aspiration for CCs, if given the chance, I would love to have the following CCs LTF :
HDFC Infinia - I've been eyeing this for long and was hoping to at least get DCB (LTF) but stuck at Regalia (LTF) till date. In 2020, it was the king of CCs and a rare CC being offered LTF around 2020-21. Has several benefits and even after devaluation, unlimited lounge access using Priority Pass is one in a million benefit it offers.
Axis Reserve - Axis has been doing good in the CC industry lately and this comes as a super premium CC, so, why not have a bite at this instead of Magnus. Although if Magnus is provided LTF, I would love to have that at least. Both Reserve and Magnus covers a lot of things in one place, like reward points can be converted into airmiles, so, no need to have airline carrier specific CCs, offers on dining platforms like Eazydiner, movie tickets etc eliminates the need to hold so many different cards.
Amex Membership Rewards - For the beauty of Amex and the support they offer, aspire to hold this CC for sure in near future.
Not included beginner level CCs as I already have several of them.
P.S. I hold the following CCs - HDFC Regalia (LTF), Tata Neu Infinity RuPay HDFC (LTF), IDFC First Wealth (LTF), Amazon Pay ICICI (LTF), Axis Flipkart (LTF), Citi Rewards, RBL Shoprite (LTF), IndusInd Legend (LTF), ICICI Platinum (LTF), SBI Cashback, Ola Money SBI (to be closed this month), OneCard (LTF), BoB RuPay Premier (LTF)