Need Credit Card....Suggestions Required

Need Credit Card....Suggestions Required

Score: 2 Votes: 2
Score: 2 Votes: 2
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Deal Cadet
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Hii…
Recently came across the need for a Credit card, and dont have much knowledge about it, that which banks card is good with maximum acceptability and benefits with low maintenance and annual fees..
If dimers having knowledge of the same then please do suggest me that for which bank’s card i should go for…
Thanks..

11 Comments  |  
8 Dimers
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if u have salary more than 1.5 lac go for HDFc diners club black, 60k then diners premium, acceptability is little bit problem but cash back is best.

also check for sbi signature credit card were u get 18k for spending 5lac(not sure got in from other website)

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Deal Lieutenant
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Citibank rewards card, no annual charge if you spent 30,000 in a year.

Also you will get bonus points for first card transactions , birthdays and wedding anniversary.

You will en cash the points if its reached 5k points against rs 1750.

Note : Citibank card services available in all Metro cities and some tier 1 cities.

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@kkr15 wrote:

if u have salary more than 1.5 lac go for HDFc diners club black, 60k then diners premium, acceptability is little bit problem but cash back is best.

also check for sbi signature credit card were u get 18k for spending 5lac(not sure got in from other website)

thank you..will get all the details about it soon..

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@esakki raja wrote:

Citibank rewards card, no annual charge if you spent 30,000 in a year.

Also you will get bonus points for first card transactions , birthdays and wedding anniversary.

You will en cash the points if its reached 5k points against rs 1750.

Note : Citibank card services available in all Metro cities and some tier 1 cities.

thank you…

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Deal Newbie
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@esakki raja wrote:

Citibank rewards card, no annual charge if you spent 30,000 in a year.

Also you will get bonus points for first card transactions , birthdays and wedding anniversary.

You will en cash the points if its reached 5k points against rs 1750.

Note : Citibank card services available in all Metro cities and some tier 1 cities.


but its difficult to make this card if your earning 2.5 lakh/annul.

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I have used HDFC, HSBC, ICICI, SBI, SantC, Barclays…didnt try CITI yet.
Credit card selection depends upon your priority and usage discipline, will explain how,

1. Rewards or Cashback: Many credit cards offer reward points programs which allow you to collect points on your purchase.
After good spending(more than a lac), you can earn few thousands of points, which can earn some gift(or vouchers) worth few hundreds!(redemption charges around 70-75 rs are charged).
For ex. I use my card max times, spend around 2-3 lac/ yr . It accumulates around 5000-7000 points n I purchase some vouchers of RS 1500…
Much waiting, right? Then you can find some cashback cards, no hassle of accumulating points; what U spend will give instant cash back !

2. Annual fee or Annual minimum spends or Completely free:
U should get it clarified from the bank(sometimes their representative do not tell U and later it comes to U as surprise). Some banks give free for 1 yr, some need minimum spends, some give it free.
I prefer completely free, since I forget other terms. Once you are used to use card properly with extracting all benefits, you can go with other options too, as those are also attractive ones if U can utilize them.

3. Which bank is better?
I personally found HDFC better for last 10 yrs. However offers keep on changing and some time few banks can rule in offers for few yrs…
For example, HSBC used to give many gifts and credit amount for first time use, etc. But now they have stopped free card and seem to give less benefits. SBI also give occasionally good offers and now a days CITI and StanC is also offering good.
In all, I found ICICI does not give U free card and is less aggressive than their other services or other banks.

4. Use it wisely-
If you can use credit card wisely, it will be very good. No knowledge of usage can lead to additional charges..I have spent few hundreds in first yr…
Get to know all terms and conditions from bank guy. call them when in doubt and clear all doubts…

Break the bottle
Deal Captain
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@dealfreak wrote:

I have used HDFC, HSBC, ICICI, SBI, SantC, Barclays…didnt try CITI yet.
Credit card selection depends upon your priority and usage discipline, will explain how,

1. Rewards or Cashback: Many credit cards offer reward points programs which allow you to collect points on your purchase.
After good spending(more than a lac), you can earn few thousands of points, which can earn some gift(or vouchers) worth few hundreds!(redemption charges around 70-75 rs are charged).
For ex. I use my card max times, spend around 2-3 lac/ yr . It accumulates around 5000-7000 points n I purchase some vouchers of RS 1500…
Much waiting, right? Then you can find some cashback cards, no hassle of accumulating points; what U spend will give instant cash back !

2. Annual fee or Annual minimum spends or Completely free:
U should get it clarified from the bank(sometimes their representative do not tell U and later it comes to U as surprise). Some banks give free for 1 yr, some need minimum spends, some give it free.
I prefer completely free, since I forget other terms. Once you are used to use card properly with extracting all benefits, you can go with other options too, as those are also attractive ones if U can utilize them.

3. Which bank is better?
I personally found HDFC better for last 10 yrs. However offers keep on changing and some time few banks can rule in offers for few yrs…
For example, HSBC used to give many gifts and credit amount for first time use, etc. But now they have stopped free card and seem to give less benefits. SBI also give occasionally good offers and now a days CITI and StanC is also offering good.
In all, I found ICICI does not give U free card and is less aggressive than their other services or other banks.

4. Use it wisely-
If you can use credit card wisely, it will be very good. No knowledge of usage can lead to additional charges..I have spent few hundreds in first yr…
Get to know all terms and conditions from bank guy. call them when in doubt and clear all doubts…


https://i.imgur.com/ILHVxMv.gif

Missing
Deal Cadet
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88
269
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@dealfreak wrote:

I have used HDFC, HSBC, ICICI, SBI, SantC, Barclays…didnt try CITI yet.
Credit card selection depends upon your priority and usage discipline, will explain how,

1. Rewards or Cashback: Many credit cards offer reward points programs which allow you to collect points on your purchase.
After good spending(more than a lac), you can earn few thousands of points, which can earn some gift(or vouchers) worth few hundreds!(redemption charges around 70-75 rs are charged).
For ex. I use my card max times, spend around 2-3 lac/ yr . It accumulates around 5000-7000 points n I purchase some vouchers of RS 1500…
Much waiting, right? Then you can find some cashback cards, no hassle of accumulating points; what U spend will give instant cash back !

2. Annual fee or Annual minimum spends or Completely free:
U should get it clarified from the bank(sometimes their representative do not tell U and later it comes to U as surprise). Some banks give free for 1 yr, some need minimum spends, some give it free.
I prefer completely free, since I forget other terms. Once you are used to use card properly with extracting all benefits, you can go with other options too, as those are also attractive ones if U can utilize them.

3. Which bank is better?
I personally found HDFC better for last 10 yrs. However offers keep on changing and some time few banks can rule in offers for few yrs…
For example, HSBC used to give many gifts and credit amount for first time use, etc. But now they have stopped free card and seem to give less benefits. SBI also give occasionally good offers and now a days CITI and StanC is also offering good.
In all, I found ICICI does not give U free card and is less aggressive than their other services or other banks.

4. Use it wisely-
If you can use credit card wisely, it will be very good. No knowledge of usage can lead to additional charges..I have spent few hundreds in first yr…
Get to know all terms and conditions from bank guy. call them when in doubt and clear all doubts…

Thanks Man…
Thank you so much..this will surely help me..

Missing
Deal Cadet
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So which one did u decide

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Deal Cadet
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So which one did u decide

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