[HELP] Need Credit Card for 1st time
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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.
@dada2015 wrote:
Agar main cc leta hoon FD ke against aur FD close kar kar main CC use kar sakta noon ya nahi ??
Think once, how this can be possible? You are issued CC on keeping fd lien at bank. You can’t touch your fd till your cc is active, if you want to withdraw fd then you will have to surrender cc.
@cody wrote:
@dada2015 wrote:
Agar main cc leta hoon FD ke against aur FD close kar kar main CC use kar sakta noon ya nahi ??
Think once, how this can be possible? You are issued CC on keeping fd lien at bank. You can’t touch your fd till your cc is active, if you want to withdraw fd then you will have to surrender cc.
What’s the minimum balance requirements in axis Bank ? Or if I make a FD will I get zero balance account ?
@jerryn70 wrote:
@cody wrote:
@dada2015 wrote:
Agar main cc leta hoon FD ke against aur FD close kar kar main CC use kar sakta noon ya nahi ??
Think once, how this can be possible? You are issued CC on keeping fd lien at bank. You can’t touch your fd till your cc is active, if you want to withdraw fd then you will have to surrender cc.
What’s the minimum balance requirements in axis Bank ? Or if I make a FD will I get zero balance account ?
Minimum balance to maintain in Axis Bank in EasyAccess Savings Account is Rs.5000/- to Rs.10,000/- depending on your city.
All the replies are for ICICI and axis. No suggestions for other banks.
Now the confusion is ICICI or axis.
I have zero balance pocket savings account in ICICI.
Dont have account in axis.
If I choose axis I need 25k to 30k . 20k FD and 5k or 10k for minimum balance.
If I choose ICICI aforesaid I had zero balance account then I need to contribute only 20k. But don’t know they provide fd and cc for zero balance pocket account. Totally confused
Any reason you need credit card only? If you just want to make international transaction with it, you should get a debit card.
I dont think to get a Secured Credit Card ( Credit Card against FD) of Axis or ICICI, you need to have their savings account too. You can have their standalone credit card account against FD too.. It means you need not have Axis account to get their credit card against FD.
Besides Axis And ICICI , DCB Bank and Dhanlaxmi Bank also offers Secured Credit Card. Most of them offer almost 70-80 % Credit limit of the FD Value. The minimum FD Value may be different for all of them though.
What is the rate of FD in these banks ?
If I open FD of 20k then I must deposits 5k in my saving a/c ???
@jerryn70 wrote:
All the replies are for ICICI and axis. No suggestions for other banks.
Now the confusion is ICICI or axis.I have zero balance pocket savings account in ICICI.
Dont have account in axis.If I choose axis I need 25k to 30k . 20k FD and 5k or 10k for minimum balance.
If I choose ICICI aforesaid I had zero balance account then I need to contribute only 20k. But don’t know they provide fd and cc for zero balance pocket account. Totally confused
Any updates? Did icici provided you CC for pockets saving account ?
Due to some personal reasons I didn’t made fd . Next week I will visit icici bank this enquiry. After that I will update.
On Thursday I visited ICICI branch and confirmed that FD facility is available for Pocket Savings Account. They told me to Open FD using imobile app. On Friday I have added rs 25,000 to my account and opened FD using imobile .
While opening we have option to avail Credit Card . The minimum amount to avail Credit Card is 20,000. And there are two types of Credit Card, one is Coral Credit Card and other is Insta Platinum Credit Card.we can choose anyone of them. I choose Insta Platinum Credit Card because according to ICICI website Coral Card has Charges. And we have the options to enter what name to be printed on the card .
After 24hrs the FD account details can be accessed through imobile.
And about the Credit Card, the service request for Credit Card is still in processing. Today I called CC and they told me that the service request is still in process and will be closed by 24th.
I will update more details on 24th.
You replied so fast yaa 
Btw 6 months ago I already opted one credit card against pocket saving account , i opened the FD directly from the website and applied for Credit card against the fd (got the same option as you said)
You can also apply for credit card after opening a FD (i mean against any old fd) from the service desk
Got similar text after two thre days: lien of Rs.x has been marked on deposit xxx
With in one week your cc will dispatch
You will get the details about cc limit and all on the envelope itself
P.s: if you are aware of any similar process to get CC of any other bank then lemme know,
I am always ready for cards(cc/dc/gc/kuch bhi “c”)
Cc: @A2Zdeals Pranam a2z saar
What is the benifit taking cc agnaist fd? If we have 25k wish to buy something cant we just buy directly why to opt for emis.
I was unable to link so i opened another net Banking a/c for my cc
@altecher I linked using imobile and Tejaa used internet banking . Yes you can convert it to EMI using internet banking.
Where you find the account name ? I checked using internet banking but I didn’t see anywhere.
@Tejaa My online password generation is disabled. And now I’m not able to login pockets app. Both Pin & internet banking logins not working.
If you have pockets then can you plz check it for me
Click on account name on "your bank account details " under general details
(My account s tab > Bank accounts )
Account category : SBGEN
CC : @myliferockkss @Tejaa
@Tejaa
When I’m unable to login pockets app using pin and internet banking ID i just reinstalled the app, now it shows authenticate with card and showing Credit Card.
And I can login to internet banking (icici.com) using my old ID (pockets ID) and I can see pockets a/c and Savings details there.
I’m totally confused.
How u contacted icici cc ? via mail ? In my experience best way is twitter @icicicare
PLs check ur DM if u hvnt
Registration of mobile number for cc net banking messed all my services 
Why you are unable to generate net banking password ? Have they registered your mobile number with the Credit card properly ?
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https://www.desidime.com/forums/hot-deals-onlin...
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single id
ICICI Prime me 
yes, for everything that we need in bank, bank employees are mandating for Aadhaar
They are real REMOVED 
Since, this request is critical in nature, it cannot be processed through an e-mail.
We can suggest from our experience that the simplest way to link Credit Card is through Internet Banking. We have numerous customers who use this method successfully on a daily basis and we recommend you to use this option.
Please login to your Internet Banking Account > Customer Service > Service Requests > Category – Credit Card > Link my Credit Card Account to my User ID > The linking of Credit Card request will be processed in 1 working day.
We request you to delete all the registered billers and beneficiaries from the account that needs to be linked to the new user ID.
Please note that for linking of accounts, accounts holder’s name, date of birth and communication address should be same in both accounts.
Where right now i am maintaining 3 user ids (pockets, Pockets Saving, CC)
I faced the same erlier, then i registered for DNC here https://www.icicibank.com/do-not-cal...ge
One guy was telling me, You have to give 5k every year for the insurance and no way you can reject that, you have to pay it if you want to use the cc 
I just said “before i start bashing just cut the call” 
@Tejaa i visited the branch and submitted mobile number change request. It takes 7 working days to apply changes.
They have no idea When I talk them about our issues.
We have to find solution ourself .
The things we have confirm is ;
1. Is it possible to link savings account user id with CC user id.
2 . Is it possible to link user id of pockets wallet with user id of savings account.
Tejaa i have a doubt. When we close our fd the Credit Card we took against fd will also close. Then after that how we unlink that CC account from our main user id ? Or it will automatically get removed ? Any ideas 
1) Yes, That what we have to do now, Put same address, name, dob, phone number in CC and Saving ac then place merge request
2)No i guess, we have to keep both, atleast that is what their cc told me, But you can access your saving ac through pocket user id, but you can’t access your pocket ac through saving ac user id
3) It will automatically get removed, that’s not an issue
@jerryn70 Got the final update, You cannot link your CC with pocket saving a/c or pockets a/c because it is a not a normal saving a/c, He told me to use two net banking ids, one is for pocket and pocket saving a/c and another one is for CC, he also told me to use another number for CC a/c, because you cannot link one number in both a/c but for transaction otp isn’t a problem you can link same number but to make any transaction through icici website you have to link another number
So now everything is clear.
My issue is still going on yesterday morning I visited branch n updated my number. At evening I got msg that your number has been updated to xxxxxxxx (new number) .
But when I checked profile using net banking still it shows my old number there . Any idea ?
Our pockets account and saving account is already linked, use pocket user id only
For cc, you have to create another user id, no other choice
@Tejaa Is it possible to convert a transaction to EMI using net banking ? Did you tried ?
Today i made a transaction of rs10000 and visited net banking to convert it to EMI for 6 months . But it shows no transaction found .
I have converted a purchase to EMI.
When i received the EMI bill reminder SMS the amount was Rs. 987 . So I paid 987.
But today when I checked the credit card account using net banking there is an outstanding amount of 75ps . And today I received the physical bill via indian post on that also it says my bill was 987.75.
My due date is 1 June.
Is it possible to pay the 75ps or higher again ?
I’m thinking to pay rs 10. It is possible ?
I’m a first tym user that why I’m asking.
tagging the experts @Tejaa @DealSeeker @A2Zdeals
Yes it is possible, pay 10rs
@jerryn70 As already addressed by @Tejaa, you can surely pay 10 rupee now. Just so you are clear, you can make as many payments as you want and for any amount you want at anytime before or after the due date.
BTW, always round up the total due amount on your card to the nearest 100 as a good practice.
Just curious, is that EMI transaction the only due amount on your card — no other transactions?
Yes that’s the only due
as a student, you can’t get a CC. Only possible way is getting it against FD. But, interest rates are so low now, so this would be bad move.
Just use the debit card!
FD interest will be same, as per current rates.