Hotness Credit Card Query

Hot Deal Credit Card Query

307°
Pikachu
Deal Lieutenant
11
3683
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Today I have applied SBI Simply Click & RBL Titanium Delight Credit Card.

I have heard many positive reviews about SBI Simply Click Credit Card. But don’t know about RBL Titanium Delight CC if it’s good or not?

Does anyone Using RBL Titanium Delight & how’s your experience with it?

P.S :- My 99% transactions are online.

71 Comments  |  
15 Dimers
Tenor %281%29
Deal Cadet
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276
3

99% online, then SBI shot you gave is the only and best shot you took.
why applied for RBL?

Pikachu
Deal Lieutenant
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Bhalla_here wrote:

99% online, then SBI shot you gave is the only and best shot you took.
why applied for RBL?

So should I cancel it?

I applied because they are providing First Year Free of cost + Some reward points worth 500 (2000 points) on joining.

Next year fee will be 750.

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Hi bro

does simply click provide lounge access?

Pikachu
Deal Lieutenant
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3683
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ItachiUchiha wrote:

Hi bro

does simply click provide lounge access?

I think no.

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ItachiUchiha wrote:

Hi bro

does simply click provide lounge access?

No bro.

Tenor %281%29
Deal Cadet
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malikcool wrote:

So should I cancel it?

I applied because they are providing First Year Free of cost + Some reward points worth 500 (2000 points) on joining.

Next year fee will be 750.

reward point is mostly for those who pay the yearly fee.
check conditions properly.

if i were you , with 99% online spending, i would rather go for SBI

Pikachu
Deal Lieutenant
11
3683
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Bhalla_here wrote:

reward point is mostly for those who pay the yearly fee.
check conditions properly.

if i were you , with 99% online spending, i would rather go for SBI

Yes. SBI I have already applied. But thinking to have one more card that’s why I applied the RBL one.

I will cancel the rbl card seems like not a worthy card

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go for hdfc bro..

Tenor %281%29
Deal Cadet
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malikcool wrote:

Yes. SBI I have already applied. But thinking to have one more card that’s why I applied the RBL one.

I will cancel the rbl card seems like not a worthy card

i would have applied for YES or HDFC (if can get regalia or diners) for the secondary purpose.

Pikachu
Deal Lieutenant
11
3683
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ItachiUchiha wrote:

go for hdfc bro..

Can you please suggest any good card from hdfc?

I am not willing to pay more than 1000 fee. Any good hdfc card under 1000?

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Bhalla_here wrote:

reward point is mostly for those who pay the yearly fee.
check conditions properly.

if i were you , with 99% online spending, i would rather go for SBI

can we redeem the rewards as cash bro?

Pikachu
Deal Lieutenant
11
3683
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Bhalla_here wrote:

i would have applied for YES or HDFC (if can get regalia or diners) for the secondary purpose.

Yearly fee for regalia or diners?

My credit score is 841 (Experian)

Will they approve it on cibil score basis or they have any minimum salary criteria?

Tenor %281%29
Deal Cadet
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276
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ItachiUchiha wrote:

can we redeem the rewards as cash bro?

For prime, yes we can.Not sure for simply click.

Tenor %281%29
Deal Cadet
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malikcool wrote:

Yearly fee for regalia or diners?

My credit score is 841 (Experian)

Will they approve it on cibil score basis or thet have any minimum salary criteria?

you might get started with diners rewards.

Pikachu
Deal Lieutenant
11
3683
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Bhalla_here wrote:

you might get started with diners rewards.

Okay. Thanks mate. I will give it a try.

+KG for sharing some useful info’s. plus1

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Deal Cadet
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RBL Titanium Delight Credit Card

This card is best if you spend around ₹5,000 a month or about ₹60,000 a year. Lets see how much we can save in that case.

RP for 5 transactions worth ₹1,000 each or more in a calendar month = 12,000 Points/yr
RP for Rs.60,000 spend for doing above txn’s in a yr = 1,200 Points
Total = 13,200 Points = Rs.3000 in Value
Effective Reward Rate: 5%

https://www.cardexpert.in/rbl-bank-platinum-del...

Tenor %281%29
Deal Cadet
51
276
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malikcool wrote:

Okay. Thanks mate. I will give it a try.

+KG for sharing some useful info’s. plus1

Thanks for KG

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-PC wrote:

RBL Titanium Delight Credit Card

This card is best if you spend around ₹5,000 a month or about ₹60,000 a year. Lets see how much we can save in that case.

RP for 5 transactions worth ₹1,000 each or more in a calendar month = 12,000 Points/yr
RP for Rs.60,000 spend for doing above txn’s in a yr = 1,200 Points
Total = 13,200 Points = Rs.3000 in Value
Effective Reward Rate: 5%

https://www.cardexpert.in/rbl-bank-platinum-del...

@malikcool @Bhalla_here

Pikachu
Deal Lieutenant
11
3683
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-PC wrote:

RBL Titanium Delight Credit Card

This card is best if you spend around ₹5,000 a month or about ₹60,000 a year. Lets see how much we can save in that case.

RP for 5 transactions worth ₹1,000 each or more in a calendar month = 12,000 Points/yr
RP for Rs.60,000 spend for doing above txn’s in a yr = 1,200 Points
Total = 13,200 Points = Rs.3000 in Value
Effective Reward Rate: 5%

https://www.cardexpert.in/rbl-bank-platinum-del...

Ohh. That’s sounds truly great. Yes my monthly online expenses are 7500-10000/month.

Pikachu
Deal Lieutenant
11
3683
52

@DCM +KG for sharing valuable info. I am making the decision to not to cancel the rbl card. You have explained it like a pro. plus1 plus1

Edit :- Can’t give karma. You have shared enough karma today


Will do it tomorrow.

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Deal Cadet
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malikcool wrote:

@DCM +KG for sharing valuable info. I am making the decision to not to cancel the rbl card. You have explained it like a pro. plus1 plus1

Edit :- Can’t give karma. You have shared enough karma today

Will do it tomorrow.

Also read that article and comments on Card Experts about RBL CC.
https://www.cardexpert.in/rbl-bank-platinum-del...

Pikachu
Deal Lieutenant
11
3683
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-PC wrote:

Also read that article and comments on Card Experts about RBL CC.

Sure bro. I am on it.

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Deal Cadet
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malikcool wrote:

Sure bro. I am on it.

You applied for card based on ITR ?

Pikachu
Deal Lieutenant
11
3683
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-PC wrote:

You applied for card based on ITR ?

No.

For SBI simply click I got the call from sbi bank as I have filled the sbi cc form online.

The executive who called me and said I only need to give aadhar copy and one photo as my cibil score (841) is too good. Same I have submitted today


For RBL I submitted photocopy of aadhar + pan + 1 month previous credit card (ICICI) statement.

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Deal Cadet
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malikcool wrote:

No.

For SBI simply click I got the call from sbi bank as I have filled the sbi cc form online.

The executive who called me and said I only need to give aadhar copy and one photo as my cibil score (841) is too good. Same I have submitted today

For RBL I submitted photocopy of aadhar + pan + 1 month previous credit card (ICICI) statement.

You got RBL CC on Card-to-Card Basis? Right

And SBI may be based on Balance you maintained in Saving account.

Pikachu
Deal Lieutenant
11
3683
52
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-PC wrote:

You got RBL CC on Card-to-Card Basis? Right

And SBI may be based on Balance you maintained in Saving account.

Yes RBL on card to card basis.

SBI no bro I don’t have any previous relationship with SBI at all & I don’t own any account in SBI ever.

The SBI executive simply told me that your cibil score is good that’s why no other document is needed except one photo + photocopy of aadhar.

Missing
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malikcool wrote:

Yearly fee for regalia or diners?

My credit score is 841 (Experian)

Will they approve it on cibil score basis or they have any minimum salary criteria?

Most of HDFC cards are lifetime free..u can use smartpay option to get it lifetime free.
Go for HDFC clubMiles/Premium/Rewards card or HDFC Regalia card

Pikachu
Deal Lieutenant
11
3683
52
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nomag wrote:

Most of HDFC cards are lifetime free..u can use smartpay option to get it lifetime free.
Go for HDFC clubMiles/Premium/Rewards card or HDFC Regalia card

Bro Any minimum salary eligibility for these cards or I can apply on card to card basis?

Missing
Deal Cadet
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malikcool wrote:

Bro Any minimum salary eligibility for these cards or I can apply on card to card basis?

Criteria are just show off toungueout
Try Regalia – you will get for sure

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