Help Me In International Payment

@asoka wrote:


Enroll with icici insta card with a FD of 20k and u will get a credit limit of 17k(guess it is 85%) with no joining and annual fees + lifetime card and ur deposit is marked lien i.e u cannot break ur linked FD unless u pay the dues or u will get the remaining balance after deducting all the dues.
Did I mentioned that if u r sensible on ur expenses then it builds ur cibil score. It is quite significant for getting any loans in future. Least I heard that government is providing you to view ur civil once in a year for free. Though normal charges are 500-/.
I am a customer of ICiCi bank from past 10 years.

Guess, if i open a fd for 1 year, and enrolled myself for a Insta CC,
Now after 1 year if i try to withdraw my FD will they take back the CC ?
(think, I don’t have any dues at all, And scored a good cibil score in this 1 year)

@Tejaa wrote:

@asoka wrote:


Enroll with icici insta card with a FD of 20k and u will get a credit limit of 17k(guess it is 85%) with no joining and annual fees + lifetime card and ur deposit is marked lien i.e u cannot break ur linked FD unless u pay the dues or u will get the remaining balance after deducting all the dues.
Did I mentioned that if u r sensible on ur expenses then it builds ur cibil score. It is quite significant for getting any loans in future. Least I heard that government is providing you to view ur civil once in a year for free. Though normal charges are 500-/.
I am a customer of ICiCi bank from past 10 years.

Guess, if i open a fd for 1 year, and enrolled myself for a Insta CC,
Now after 1 year if i try to withdraw my FD will they take back the CC ?
(think, I don’t have any dues at all, And scored a good cibil score in this 1 year)

@asoka wrote:


Yes, Ur C.C will remain with u as long as ur FD. It does no harm if u can control ur greed and lust for spendings. Besides it is giving u interest rates.
BTW, do u know our country ranks in top 5 on interest rates given to customers. Still, there is a whole lot of black money to be unearthed.

Thanks for the explanation anna 😃

No Kotak Jifi in my city

I think sbi can allow international payment..there is an option to enable / disable international payment
One method to enable is via netbanking ,other is by sms

@Tejaa wrote:

Guess, if i open a fd for 1 year, and enrolled myself for a Insta CC,
Now after 1 year if i try to withdraw my FD will they take back the CC ?
(think, I don’t have any dues at all, And scored a good cibil score in this 1 year)

@disclaimer wrote:

FD amount can be withdrawn only after closure of card account. And card limit will stay the same forever, even after FD is reinvested on completion of tenures fixed.

@Navneet wrote:

No Kotak Jifi in my city

@Tejaa wrote:

@disclaimer wrote:

FD amount can be withdrawn only after closure of card account. And card limit will stay the same forever, even after FD is reinvested on completion of tenures fixed.

So after the maturity of FD, i need to open another FD for another CC…
Or If i build good cibil scrore by that time then there is no need of FD, right ?

Does Jifi account require 10,000 initial deposit.?

@disclaimer wrote:

@Tejaa wrote:

@disclaimer wrote:

FD amount can be withdrawn only after closure of card account. And card limit will stay the same forever, even after FD is reinvested on completion of tenures fixed.

So after the maturity of FD, i need to open another FD for another CC…
Or If i build good cibil scrore by that time then there is no need of FD, right ?

FD stays in auto renewal mode as long as you are holding the card. The bank might offer you normal card depending on your usage.

They will never offer one unless you meet their monthly income stipulations.

@rajuz wrote:

Does Jifi account require 10,000 initial deposit.?

Yes. But afterwards you can withdraw all of it if you want.

@asoka wrote:

@Tejaa wrote:

@asoka wrote:

@wanted bhai, why don’t u try to get ur own credit card ?
These days credit cards are not that difficult to get if u have good IT returns else u can go for insta card. It is instant card on FD not less than 20k (varies with bank to bank with 80-85% credit limit). Opt it only if u r sensible on expenditure.
Else there are other wallets and vcc but I doubt whether they will allow you to link on PayPal.
There are some debit cards that do allow you to do international transaction like hdfc, Icici selected cards. Linking on PayPal is another question

Which bank is giving insta card for just 20k FD ?
and any minimum period (i.e 1 year or 2years) ?

Enroll with icici insta card with a FD of 20k and u will get a credit limit of 17k( I guess it is 85%) with no joining and annual fees + a lifetime card and ur deposit is marked lien i.e u cannot break ur linked FD unless u pay the dues or u will get the remaining balance after deducting all the dues. Ur FD will be renewed with the current interest rates.
Did I mentioned that if u r sensible on ur expenses then it assis u in building ur cibil score. It is quite significant for getting any loans in future as most most the banks prefer CIBIL scores. Least I heard that government is providing us to view cibil score once in a year for free. Though normal charges are 500-/.
I am a customer of ICiCi bank from past 10 years.

how to get cibil score for free bro?

@karthi4052752 wrote:

how to get cibil score for free bro?

+1.
@asoka
Let me know where i can see cibil score for free.

@asoka wrote:

@wanted bhai, why don’t u try to get ur own credit card ?
These days credit cards are not that difficult to get if u have good IT returns else u can go for insta card. It is instant card on FD not less than 20k (varies with bank to bank with 80-85% credit limit). Opt it only if u r sensible on expenditure.
Else there are other wallets and vcc but I doubt whether they will allow you to link on PayPal.
There are some debit cards that do allow you to do international transaction like hdfc, Icici selected cards. Linking on PayPal is another question

i have succesful linked my ICICI platinum debit card with PayPal , also used it on facebook ads .
so iam pretty sure its gonna work on play store

@hackerboys wrote:

@asoka wrote:

@wanted bhai, why don’t u try to get ur own credit card ?
These days credit cards are not that difficult to get if u have good IT returns else u can go for insta card. It is instant card on FD not less than 20k (varies with bank to bank with 80-85% credit limit). Opt it only if u r sensible on expenditure.
Else there are other wallets and vcc but I doubt whether they will allow you to link on PayPal.
There are some debit cards that do allow you to do international transaction like hdfc, Icici selected cards. Linking on PayPal is another question

i have succesful linked my ICICI platinum debit card with PayPal , also used it on facebook ads .
so iam pretty sure its gonna work on play store

Dear Sir

Digipurse card now doesn’t works on international sites

Regards
Digipurse Care team
Union Bank of India