Best Credit Card Against FD
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Hello guys I joined Desidime today just to get suggestions from you. I’m a student I have no credit history. I wanna get a credit card against FD. I have 25k in hand for FD which card is best to build my CIBIL score.
I have HDFC, SBI Savings Account & Digibank, Axis Asap Digital Savings Account.
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What’s the minimum FD value for Simplyclick? In SBI site they are giving Unnati card against FD of 25000.
I have axis cc against FD.
80% of FD is given as limit.
They give insta easy credit card.
No joining fees, no annual charges.
Lower rate of interest compared to their other cc.
How much FD you done? On Axis site Insta Easy card have 500 joining fee but no yearly AMC.
Talked with HDFC they said wait for 6 month and maintain 20000 in savings account I will get credit card without any FD.
my suggestion is you dont need to get cc based on fd
my case was exactly same as you
I enquired in hdfc bank and opened a savings acc, after 10 days applied for a cc through bank only, got the card with 25k limit, limit is 86k after 14 months of usage
do ask in hdfc bank about this route
if they are saying different ask in different branches
also to get sbi cc read this thread
Bro I opened my HDFC account 1 month back. And maintaining 20k MAB from 1st day. Visited my branch few days back and talked to their credit card employee they said if u don’t have any income then u have to do a 50k FD or maintain 20k average balance for 6 month and you will get credit card offer on NetBanking free for life time. Ok I will try once again in HDFC.
Welcome to DD! Go for SBI Simplyclick
Welcome to sbi . Thats the first exp of that shitty bank. they give you stuff which maximize their commission without even caring about customer. Do make them change card. Call them, email them tweet them. Don’t use the card till they change.
Beware they’ll call you for selling some cpp plans, some loan offers where int rate would be fixed not reducing etc
Just don’t bother with even listening to their offer.
Rest interface of app the site on sbicard is good thanks to thy ex-partner GE money.
I know SBI very well.. when I opened my savings account they opened a SBI General Accidental insuranceI without my consent.
Btw I got this card just to build my CIBIL score and later apply for a non FD based card in HDFC.
Ok guys today I received a verification call. The verification agent told me I’ll receive another call from Gurgaon and then I’ll receive my card within 15 days.
How many days will it take to receive my card in hand?
SBI is SBI. Applied on 30th September today still showing card application in process. Already received a verification call on 1st October. I don’t know what are they processing for a simple FD based card. I should have applied for Axis Instaeasy card.
Axis banks gives you cc against fd same day in hand.
@Pallab1997
Have you received credit card?
Ok guys received my card today on 26/10/2019.
Got 17000 credit limit and 8500 cash limit.
Card looks superb. I pay almost 4000 electricity bill every month through Amazon Pay so with this card i can get lots of rewards points.
Why u got only 17k limit.
Cc is useful if you have higher limit
I too got 30k initially but somehow now my limit has increased to 1.5L call SBI and say you won’t need the card with this little limit and show Ur bank statement or itr they will increase automatically in next bill cycle
Thanks I am looking for it
Is it possible to get Axis Insta Easy Credit Card w/o visiting the branch; via online, by getting the FD created via netbanking and getting it delivered at home ?
My cousin wants to apply for his first credit card and he wants to go for this fd based card, but he was wondering if he can apply online and get it delivered, rather than going to branch and applying; Also is it mandatory to go the home branch only, or can we get it from any branch ?
SBI simply click