[HELP] Need Credit Card for 1st time

[HELP] Need Credit Card for 1st time

Score: 1 Votes: 1
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Deal Cadet
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54
176
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Guys plz help me. I want credit card but I don’t have any job or salary account.
I have savings account on some banks, below are they ;

ICICI bank – zero balance pocket savings account.
Federal bank – Fedbook selfie account
IDBI bank – Normal savings account (minimum balance ₹2500)
South Indian Bank – zero balance students savings account

Note : I need card that dont have annual charges. and try to reply in English bcoz i dont know Hindi .
Plz help me.

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Entertainer
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Sacche Dost nahin hein? Unke bhai-behan se le lo.

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Deal Colonel
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@Plato wrote:

Sacche Dost nahin hein? Unke bhai-behan se le lo.


Plato only English.

In future his friends will complain for dues on DD. https://cdn1.desidime.com/assets/textile-editor/icon_smile.gif

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Entertainer
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@Alpha.Barood wrote:

@Plato wrote:

Sacche Dost nahin hein? Unke bhai-behan se le lo.


Plato only English.
In future his friends will complain for dues on DD. https://cdn1.desidime.com/assets/textile-editor/icon_smile.gif


For that CFA exam registration, I was not getting any Credit Card. Finally, after asking so many people, one friend’s bro gave me his credit card credentials to use.

Draw
Deal Colonel
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1,179
52036
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@Plato wrote:

@Alpha.Barood wrote:

@Plato wrote:

Sacche Dost nahin hein? Unke bhai-behan se le lo.


Plato only English.
In future his friends will complain for dues on DD. https://cdn1.desidime.com/assets/textile-editor/icon_smile.gif


For that CFA exam registration, I was not getting any Credit Card. Finally, after asking so many people, one friend’s bro gave me his credit card credentials to use.


So, u saved more than USD 50 and Hassel’s in cheque transfer.

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A2z1
Deal Major
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@Alpha.Barood wrote:

@Plato wrote:

@Alpha.Barood wrote:

@Plato wrote:

Sacche Dost nahin hein? Unke bhai-behan se le lo.


Plato only English.
In future his friends will complain for dues on DD. https://cdn1.desidime.com/assets/textile-editor/icon_smile.gif


For that CFA exam registration, I was not getting any Credit Card. Finally, after asking so many people, one friend’s bro gave me his credit card credentials to use.


So, u saved more than USD 50 and Hassel’s in cheque transfer.


@Plato

And hope you did not register bro of your friend for auto debit to his credit card as is CFA practice

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Entertainer
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@A2Zdeals wrote:

@Alpha.Barood wrote:

@Plato wrote:

@Alpha.Barood wrote:

@Plato wrote:

Sacche Dost nahin hein? Unke bhai-behan se le lo.


Plato only English.
In future his friends will complain for dues on DD. https://cdn1.desidime.com/assets/textile-editor/icon_smile.gif


For that CFA exam registration, I was not getting any Credit Card. Finally, after asking so many people, one friend’s bro gave me his credit card credentials to use.


So, u saved more than USD 50 and Hassel’s in cheque transfer.


@Plato

And hope you did not register bro of your friend for auto debit to his credit card as is CFA practice


That I don’t know. Is that so? https://cdn1.desidime.com/assets/textile-editor/icon_eek.gif

A2z1
Deal Major
82
1,970
17011
142
@Plato wrote:

@A2Zdeals wrote:

@Alpha.Barood wrote:

@Plato wrote:

@Alpha.Barood wrote:

@Plato wrote:

Sacche Dost nahin hein? Unke bhai-behan se le lo.


Plato only English.
In future his friends will complain for dues on DD. https://cdn1.desidime.com/assets/textile-editor/icon_smile.gif


For that CFA exam registration, I was not getting any Credit Card. Finally, after asking so many people, one friend’s bro gave me his credit card credentials to use.


So, u saved more than USD 50 and Hassel’s in cheque transfer.


@Plato

And hope you did not register bro of your friend for auto debit to his credit card as is CFA practice


That I don’t know. Is that so? https://cdn1.desidime.com/assets/textile-editor/icon_eek.gif


There used to be foot note which used to say if you tick or untick your card will be auto charged for annual membership.
Its been long time though. I dint attempt CFA thereafter. I cleared FRM. https://cdn1.desidime.com/assets/textile-editor/icon_biggrin.gif

Images %281%29
Entertainer
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@A2Zdeals wrote:

@Plato wrote:

@A2Zdeals wrote:

@Alpha.Barood wrote:

@Plato wrote:

@Alpha.Barood wrote:

@Plato wrote:

Sacche Dost nahin hein? Unke bhai-behan se le lo.


Plato only English.
In future his friends will complain for dues on DD. https://cdn1.desidime.com/assets/textile-editor/icon_smile.gif


For that CFA exam registration, I was not getting any Credit Card. Finally, after asking so many people, one friend’s bro gave me his credit card credentials to use.


So, u saved more than USD 50 and Hassel’s in cheque transfer.


@Plato

And hope you did not register bro of your friend for auto debit to his credit card as is CFA practice


That I don’t know. Is that so? https://cdn1.desidime.com/assets/textile-editor/icon_eek.gif


There used to be foot note which used to say if you tick or untick your card will be auto charged for annual membership.
Its been long time though. I dint attempt CFA thereafter. I cleared FRM. https://cdn1.desidime.com/assets/textile-editor/icon_biggrin.gif


Uiiioo! I flunked at that CFA attempt and never re-attempted. Congratulations. Barood bhai also cleared FRM.

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Deal Subedar
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wow, a student with 4 bank accounts, banks really have made progress in customer acquisition.

anyways, CC against FD is the best option IMO (for now, until are salaried)

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Moderator
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@srp321 wrote:

wow, a student with 4 bank accounts, banks really have made progress in customer acquisition.

anyways, CC against FD is the best option IMO (for now, until are salaried)


True!
I did have good number of bank accounts when I was a student!! (just a few years ago)
Most of the good Private Universities/Engineering now have Banks established in their premises and students are asked to make all the transactions related to college via their bank accounts.
For us access to Internet Banking was given only on special requests!

Bank & Money literacy is very important thing for todays generation.

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Deal Cadet
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@srp321 wrote:

wow, a student with 4 bank accounts, banks really have made progress in customer acquisition.

anyways, CC against FD is the best option IMO (for now, until are salaried)


https://cdn2.desidime.com/assets/textile-editor/icon_wink.gif Im from Kerala and our state is not much delevoped as yours guys . There are reasons for having these four accounts.

South Indian Bank account was opened when I was in 8th standard., account opening process was done by my school and the bank. All students get free zero balance account. Really I’m not using this bcoz it didn’t have any mobile banking or Internet banking features bcoz of student account. Just maintain it that’s all.

At the starting of college life i started Federal bank account for savings and fund transfer. Federal provides free NEFT and IMPS transfer up to 1 lakh.And the service was excellent.

ICICI account was opened through pocket wallet. The only reason for opening that account is ’getting a zero balance account in a big bank https://cdn2.desidime.com/assets/textile-editor/icon_wink.gif

IDBI account opened for depositing cash. Non of the other banks don’t have CDM in our area this is the only bank with CDM so just created one.

Sounds funny bt in small areas like mine people need this much accounts. No banks provides full services.

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Deal Cadet
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Thread is going off topic. Requesting all came back to the topic

Break the bottle
Deal Captain
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@jerryn70 wrote:

@srp321 wrote:

wow, a student with 4 bank accounts, banks really have made progress in customer acquisition.

anyways, CC against FD is the best option IMO (for now, until are salaried)


https://cdn2.desidime.com/assets/textile-editor/icon_wink.gif Im from Kerala and our state is not much delevoped as yours guys . There are reasons for having these four accounts.

South Indian Bank account was opened when I was in 8th standard., account opening process was done by my school and the bank. All students get free zero balance account. Really I’m not using this bcoz it didn’t have any mobile banking or Internet banking features bcoz of student account. Just maintain it that’s all.

At the starting of college life i started Federal bank account for savings and fund transfer. Federal provides free NEFT and IMPS transfer up to 1 lakh.And the service was excellent.

ICICI account was opened through pocket wallet. The only reason for opening that account is ’getting a zero balance account in a big bank https://cdn2.desidime.com/assets/textile-editor/icon_wink.gif

IDBI account opened for depositing cash. Non of the other banks don’t have CDM in our area this is the only bank with CDM so just created one.

Sounds funny bt in small areas like mine people need this much accounts. No banks provides full services.


What about SBI or SBT or any of the Public Sector Banks? Are you interested only in Private Banks?

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Deal Cadet
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@gambitrite wrote:

@jerryn70 wrote:

@srp321 wrote:

wow, a student with 4 bank accounts, banks really have made progress in customer acquisition.

anyways, CC against FD is the best option IMO (for now, until are salaried)


https://cdn2.desidime.com/assets/textile-editor/icon_wink.gif Im from Kerala and our state is not much delevoped as yours guys . There are reasons for having these four accounts.

South Indian Bank account was opened when I was in 8th standard., account opening process was done by my school and the bank. All students get free zero balance account. Really I’m not using this bcoz it didn’t have any mobile banking or Internet banking features bcoz of student account. Just maintain it that’s all.

At the starting of college life i started Federal bank account for savings and fund transfer. Federal provides free NEFT and IMPS transfer up to 1 lakh.And the service was excellent.

ICICI account was opened through pocket wallet. The only reason for opening that account is ’getting a zero balance account in a big bank https://cdn2.desidime.com/assets/textile-editor/icon_wink.gif

IDBI account opened for depositing cash. Non of the other banks don’t have CDM in our area this is the only bank with CDM so just created one.

Sounds funny bt in small areas like mine people need this much accounts. No banks provides full services.


What about SBI or SBT or any of the Public Sector Banks? Are you interested only in Private Banks?


Im Not looking a particular bank bro. You can suggest any bank

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@jerryn70 wrote:

Thread is going off topic. Requesting all came back to the topic


You have already gotten the only correct (and legal) answer to your question from @A2Zdeals in the first reply itself. If you still continue to ask, a few dimers are experts in taking a discussion all over the place. https://cdn2.desidime.com/assets/textile-editor/icon_wink.gif

By the way, @Tejaa also had the same question until a couple of months ago. He might choose to help you with his findings.

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Deal Captain
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@jerryn70 wrote:

@gambitrite wrote:

@jerryn70 wrote:

@srp321 wrote:

wow, a student with 4 bank accounts, banks really have made progress in customer acquisition.

anyways, CC against FD is the best option IMO (for now, until are salaried)


https://cdn2.desidime.com/assets/textile-editor/icon_wink.gif Im from Kerala and our state is not much delevoped as yours guys . There are reasons for having these four accounts.

South Indian Bank account was opened when I was in 8th standard., account opening process was done by my school and the bank. All students get free zero balance account. Really I’m not using this bcoz it didn’t have any mobile banking or Internet banking features bcoz of student account. Just maintain it that’s all.

At the starting of college life i started Federal bank account for savings and fund transfer. Federal provides free NEFT and IMPS transfer up to 1 lakh.And the service was excellent.

ICICI account was opened through pocket wallet. The only reason for opening that account is ’getting a zero balance account in a big bank https://cdn2.desidime.com/assets/textile-editor/icon_wink.gif

IDBI account opened for depositing cash. Non of the other banks don’t have CDM in our area this is the only bank with CDM so just created one.

Sounds funny bt in small areas like mine people need this much accounts. No banks provides full services.


What about SBI or SBT or any of the Public Sector Banks? Are you interested only in Private Banks?


Im Not looking a particular bank bro. You can suggest any bank


go for axis.

Missing
Deal Newbie
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@cody wrote:

@jerryn70 wrote:

@gambitrite wrote:

@jerryn70 wrote:

@srp321 wrote:

wow, a student with 4 bank accounts, banks really have made progress in customer acquisition.

anyways, CC against FD is the best option IMO (for now, until are salaried)


https://cdn2.desidime.com/assets/textile-editor/icon_wink.gif Im from Kerala and our state is not much delevoped as yours guys . There are reasons for having these four accounts.

South Indian Bank account was opened when I was in 8th standard., account opening process was done by my school and the bank. All students get free zero balance account. Really I’m not using this bcoz it didn’t have any mobile banking or Internet banking features bcoz of student account. Just maintain it that’s all.

At the starting of college life i started Federal bank account for savings and fund transfer. Federal provides free NEFT and IMPS transfer up to 1 lakh.And the service was excellent.

ICICI account was opened through pocket wallet. The only reason for opening that account is ’getting a zero balance account in a big bank https://cdn2.desidime.com/assets/textile-editor/icon_wink.gif

IDBI account opened for depositing cash. Non of the other banks don’t have CDM in our area this is the only bank with CDM so just created one.

Sounds funny bt in small areas like mine people need this much accounts. No banks provides full services.


What about SBI or SBT or any of the Public Sector Banks? Are you interested only in Private Banks?


Im Not looking a particular bank bro. You can suggest any bank


go for axis.


Yes , you can open FD and get cc behalf of that FD
Though I don’t know what will happen after maturity of FD will they will allow you to remain CC or not to you [email protected]&&%

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Deal Captain
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@dada2015 wrote:

@cody wrote:

@jerryn70 wrote:

@gambitrite wrote:

@jerryn70 wrote:

@srp321 wrote:

wow, a student with 4 bank accounts, banks really have made progress in customer acquisition.

anyways, CC against FD is the best option IMO (for now, until are salaried)


https://cdn2.desidime.com/assets/textile-editor/icon_wink.gif Im from Kerala and our state is not much delevoped as yours guys . There are reasons for having these four accounts.

South Indian Bank account was opened when I was in 8th standard., account opening process was done by my school and the bank. All students get free zero balance account. Really I’m not using this bcoz it didn’t have any mobile banking or Internet banking features bcoz of student account. Just maintain it that’s all.

At the starting of college life i started Federal bank account for savings and fund transfer. Federal provides free NEFT and IMPS transfer up to 1 lakh.And the service was excellent.

ICICI account was opened through pocket wallet. The only reason for opening that account is ’getting a zero balance account in a big bank https://cdn2.desidime.com/assets/textile-editor/icon_wink.gif

IDBI account opened for depositing cash. Non of the other banks don’t have CDM in our area this is the only bank with CDM so just created one.

Sounds funny bt in small areas like mine people need this much accounts. No banks provides full services.


What about SBI or SBT or any of the Public Sector Banks? Are you interested only in Private Banks?


Im Not looking a particular bank bro. You can suggest any bank


go for axis.


Yes , you can open FD and get cc behalf of that FD
Though I don’t know what will happen after maturity of FD will they will allow you to remain CC or not to you [email protected]&&%


FD will be put on Auto Renewal mode by bank. Till you want to use CC the FD will remain active. And when you want to terminate CC you can close your FD.

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Deal Colonel
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@cody
Bahut samajhdari ki baat bola.

Kanz
Deal Subedar
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Open a FD and you will easily get cc with that. Limit will be 75% amount of FD you make. Go in any bank and firstly ask them that you want to make FD, they will open your savings account and tell you to give cheque of required amount of FD you want.
Than you ask them can I get CC based on FD, they will say that limit will be only 75% of FD amount. Go Ahead

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Deal Captain
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@kanz wrote:

Open a FD and you will easily get cc with that. Limit will be 75% amount of FD you make. Go in any bank and firstly ask them that you want to make FD, they will open your savings account and tell you to give cheque of required amount of FD you want.
Than you ask them can I get CC based on FD, they will say that limit will be only 75% of FD amount. Go Ahead


ICICI Bank Gives 85% monthly credit limit of your FD amount.

and

Axis Bank Gives 80% monthly credit limit of your FD amount.

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Deal Cadet
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@DealSeeker wrote:

@jerryn70 wrote:

Thread is going off topic. Requesting all came back to the topic


You have already gotten the only correct (and legal) answer to your question from @A2Zdeals in the first reply itself. If you still continue to ask, a few dimers are expert in taking a discussion all over the place. https://cdn2.desidime.com/assets/textile-editor/icon_wink.gif

By the way, @Tejaa also had the same question until a couple of months ago. He might choose to help you with his findings.


I agreee that bt I’m looking for the best bank and its credit card with no annual charges.
From all the replies ICICI and axis are mentioned bt don’t know which one is better, and I don’t know is there any other Bank which is more better than ICICI and axis . that’s why im still Looking for replies

Index
Deal Captain
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7492
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@jerryn70 wrote:

@DealSeeker wrote:

@jerryn70 wrote:

Thread is going off topic. Requesting all came back to the topic


You have already gotten the only correct (and legal) answer to your question from @A2Zdeals in the first reply itself. If you still continue to ask, a few dimers are expert in taking a discussion all over the place. https://cdn2.desidime.com/assets/textile-editor/icon_wink.gif

By the way, @Tejaa also had the same question until a couple of months ago. He might choose to help you with his findings.


I agreee that bt I’m looking for the best bank and its credit card with no annual charges.
From all the replies ICICI and axis are mentioned bt don’t know which one is better, and I don’t know is there any other Bank which is more better than ICICI and axis . that’s why im still Looking for replies

ICICI & Axis Bank are only two banks who is giving CC against FD.

On the other hand SBI also has but only problem is on some international sites it will not work. So what’s the use having CC.

While joining Axis Bank will charge joining fee of Rs.500+ Tax, but it will be waived off upon spending Rs.5000 in 45 days. And about annual fees you will be waived off if you spend Rs.100000/- above per year.

ICICI Bank has no joining fees or annual fees, but there is hidden term of spending quota per year, so if you cross that limit you will not get charged for annual fee.

In comparison of these both cc i find axis cc best. so i suggest u to go for axis cc.

Missing
Deal Newbie
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Agar main cc leta hoon FD ke against aur FD close kar kar main CC use kar sakta noon ya nahi ??

Kanz
Deal Subedar
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@dada2015 wrote:

Agar main cc leta hoon FD ke against aur FD close kar kar main CC use kar sakta noon ya nahi ??

Obviously NO

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Deal Newbie
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@kanz wrote:

@dada2015 wrote:

Agar main cc leta hoon FD ke against aur FD close kar kar main CC use kar sakta noon ya nahi ??

Obviously NO


Isi FD ka interest rates normal rates se kam to nahi hai

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Deal Cadet
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54
176
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@cody wrote:

@jerryn70 wrote:

@DealSeeker wrote:

@jerryn70 wrote:

Thread is going off topic. Requesting all came back to the topic


You have already gotten the only correct (and legal) answer to your question from @A2Zdeals in the first reply itself. If you still continue to ask, a few dimers are expert in taking a discussion all over the place. https://cdn2.desidime.com/assets/textile-editor/icon_wink.gif

By the way, @Tejaa also had the same question until a couple of months ago. He might choose to help you with his findings.


I agreee that bt I’m looking for the best bank and its credit card with no annual charges.
From all the replies ICICI and axis are mentioned bt don’t know which one is better, and I don’t know is there any other Bank which is more better than ICICI and axis . that’s why im still Looking for replies

ICICI & Axis Bank are only two banks who is giving CC against FD.

On the other hand SBI also has but only problem is on some international sites it will not work. So what’s the use having CC.

While joining Axis Bank will charge joining fee of Rs.500+ Tax, but it will be waived off upon spending Rs.5000 in 45 days. And about annual fees you will be waived off if you spend Rs.100000/- above per year.

ICICI Bank has no joining fees or annual fees, but there is hidden term of spending quota per year, so if you cross that limit you will not get charged for annual fee.

In comparison of these both cc i find axis cc best. so i suggest u to go for axis cc.


I’m not a big money spender. I just want cc for any urgent needs and for little shopping.

What’s the annual chrg for axis cc ?

Index
Deal Captain
21
99
7492
54
@jerryn70 wrote:

@cody wrote:

@jerryn70 wrote:

@DealSeeker wrote:

@jerryn70 wrote:

Thread is going off topic. Requesting all came back to the topic


You have already gotten the only correct (and legal) answer to your question from @A2Zdeals in the first reply itself. If you still continue to ask, a few dimers are expert in taking a discussion all over the place. https://cdn2.desidime.com/assets/textile-editor/icon_wink.gif

By the way, @Tejaa also had the same question until a couple of months ago. He might choose to help you with his findings.


I agreee that bt I’m looking for the best bank and its credit card with no annual charges.
From all the replies ICICI and axis are mentioned bt don’t know which one is better, and I don’t know is there any other Bank which is more better than ICICI and axis . that’s why im still Looking for replies

ICICI & Axis Bank are only two banks who is giving CC against FD.

On the other hand SBI also has but only problem is on some international sites it will not work. So what’s the use having CC.

While joining Axis Bank will charge joining fee of Rs.500+ Tax, but it will be waived off upon spending Rs.5000 in 45 days. And about annual fees you will be waived off if you spend Rs.100000/- above per year.

ICICI Bank has no joining fees or annual fees, but there is hidden term of spending quota per year, so if you cross that limit you will not get charged for annual fee.

In comparison of these both cc i find axis cc best. so i suggest u to go for axis cc.


I’m not a big money spender. I just want cc for any urgent needs and for little shopping.

What’s the annual chrg for axis cc ?


200+ tax

Missing