Please read the thread -need suggestion regardi...

Please read the thread -need suggestion regarding credit card

212°
Download
Deal Lieutenant
5
189
3100
66

I want to have a credit card, my main use will be online shopping and swiping it as pos whenever possible
I am a student but I do file ITR of 2.5-3 lac.
yesterday I asked about that simply save credit card of sbi from my branch and they said I will need to do a fd then only I can get the card and the card limit will be about 70-80% of the fd.

Now I am thinking to get any card which does not require fd and then will take the sbi simply save card(because I heard that its the best for online shopping spends) on card on card basis

so please suggest me best card which I can get from any bank(I will open savings acc there) without salary slip or doing a fd.

53 Comments  |  
11 Dimers
Missing
Deal Newbie
0
53
86
1

Apply sbi card from site like bankbazaar you’ll earn extra voucher also.
Don’t worry they won’t ask for FD.

Yellow11 1256751 480x300 v1
Deal Subedar
0
75
1584
93

Do you have account in SBI?
Do you have any other credit card? What is the limit of that card?
Minimum 50k limit required for CoC application ,
Don’t say you are student
Say you are self employed

Yellow11 1256751 480x300 v1
Deal Subedar
0
75
1584
93
jambui wrote:

Apply sbi card from site like bankbazaar you’ll earn extra voucher also.
Don’t worry they won’t ask for FD.

Not possible at bank bazaar without CoC

Thumbimgcrop 1438052280907
Deal Subedar
0
157
1340
15
drupal wrote:

Do you have account in SBI?
Do you have any other credit card? What is the limit of that card?
Minimum 50k limit required for CoC application ,
Don’t say you are student
Say you are self employed

+1 Saying student might have reduced your chances of getting card without FD
Apply as self employed with your itr as proof of income with bankbazaar or paisa bazaar etc, they’ll give you extra amazon gv of 500 or 1k depending on their promo campaign
Shouldn’t be a problem

Download
Deal Lieutenant
5
189
3100
66
drupal wrote:

Do you have account in SBI?
Do you have any other credit card? What is the limit of that card?
Minimum 50k limit required for CoC application ,
Don’t say you are student
Say you are self employed

yes I have a sbi account
no I dont have any credit card
I said I am self employed but they wont give credit card without fd

Download
Deal Lieutenant
5
189
3100
66

paisabazaar and other sites simply say I am not eligible for credit card although I select as self employes with 2.65 lac itr filed

Yellow11 1256751 480x300 v1
Deal Subedar
0
75
1584
93
Expand
SARDARKHAN wrote:

yes I have a sbi account
no I dont have any credit card
I said I am self employed but they wont give credit card without fd

Then what do you mean by card on card basis, how do you apply for card on card basis if you don’t have any card

Download
Deal Lieutenant
5
189
3100
66
Expand
drupal wrote:

Then what do you mean by card on card basis, how do you apply for card on card basis if you don’t have any card

I am thinking to get any card which does not require fd and then will take the sbi simply save card(because I heard that its the best for online shopping spends) on card on card basis

Missing
Deal Newbie
0
55
20
0

Get icici credit card Platinum chip against FD. Use for 6 months, it will build your credit score. Then you can apply for sbi simply click via card to card basis

Download
Deal Lieutenant
5
189
3100
66
kkrulesdnation wrote:

Get icici credit card Platinum chip against FD. Use for 6 months, it will build your credit score. Then you can apply for sbi simply click via card to card basis

but I wanted to get the first card without fd
as I can get the sbi card with fd, I have that option

Missing
Deal Subedar
1
32
1168
11
Expand
SARDARKHAN wrote:

but I wanted to get the first card without fd
as I can get the sbi card with fd, I have that option

Direct apply for credit card on ICICI bank.if your bank statement is good they ll give you a credit card.They ll ask deposit of 1 lac via check….

Download
Deal Lieutenant
5
189
3100
66

I will try that

Missing
Deal Newbie
0
53
86
1
SARDARKHAN wrote:

paisabazaar and other sites simply say I am not eligible for credit card although I select as self employes with 2.65 lac itr filed

Fill in 4lac itr on site. Say everything same.
When agent come to collect docs don’t give itr unless he asks you to do so.
Sbi mostly doesn’t collects itr.
Good Luck.

Download
Deal Lieutenant
5
189
3100
66
Expand
jambui wrote:

Fill in 4lac itr on site. Say everything same.
When agent come to collect docs don’t give itr unless he asks you to do so.
Sbi mostly doesn’t collects itr.
Good Luck.

but what if he asks itr
what will I do ?

Missing
Deal Newbie
0
53
86
1
Expand
SARDARKHAN wrote:

but what if he asks itr
what will I do ?

Give the geniune one and pray for luck.

Missing
Deal Newbie
0
55
20
0
Expand
SARDARKHAN wrote:

but I wanted to get the first card without fd
as I can get the sbi card with fd, I have that option

You can get ICICI card to build your cibil score and close it later on after getting Sbi card without FD

If you get SBI card on FD then your FD cannot be closed till the SBI card is closed, so thats a trap.

Yellow11 1256751 480x300 v1
Deal Subedar
0
75
1584
93
Expand
Simbha3 wrote:

Direct apply for credit card on ICICI bank.if your bank statement is good they ll give you a credit card.They ll ask deposit of 1 lac via check….

Through branch or online ?
Did you received cc by depositing 1lakh rupees cheque ?

Missing
Deal Subedar
1
32
1168
11
Expand
drupal wrote:

Through branch or online ?
Did you received cc by depositing 1lakh rupees cheque ?

By online ..I applied via haptik…one of agent called me and visited home next day..said they can give credit card to you if you do a deposit of higher amount…like 1 lakh or more..

Yellow11 1256751 480x300 v1
Deal Subedar
0
75
1584
93
Expand
Simbha3 wrote:

By online ..I applied via haptik…one of agent called me and visited home next day..said they can give credit card to you if you do a deposit of higher amount…like 1 lakh or more..

Wow !! interesting grinning

Yellow11 1256751 480x300 v1
Deal Subedar
0
75
1584
93
Expand
Simbha3 wrote:

By online ..I applied via haptik…one of agent called me and visited home next day..said they can give credit card to you if you do a deposit of higher amount…like 1 lakh or more..

Have you deposited 1lakh and got card?

Yellow11 1256751 480x300 v1
Deal Subedar
0
75
1584
93
Expand
Simbha3 wrote:

By online ..I applied via haptik…one of agent called me and visited home next day..said they can give credit card to you if you do a deposit of higher amount…like 1 lakh or more..

I don’t see any credit card option in haptik

Missing
Deal Subedar
1
32
1168
11
Expand
drupal wrote:

I don’t see any credit card option in haptik

I didn’t applied for credit card..I actually applied for saving account to do international transactions.. so when the agent called me I told him I ll open sb account only if they can give me a credit card so he agreed to give a cc…I ll do the deposits on next Monday..card ll arrive in 7 days..

Yellow11 1256751 480x300 v1
Deal Subedar
0
75
1584
93
Expand
Simbha3 wrote:

I didn’t applied for credit card..I actually applied for saving account to do international transactions.. so when the agent called me I told him I ll open sb account only if they can give me a credit card so he agreed to give a cc…I ll do the deposits on next Monday..card ll arrive in 7 days..

Please update your experience here if your credit card arrives

Download
Deal Lieutenant
5
189
3100
66
Expand
jambui wrote:

Give the geniune one and pray for luck.

laughing
Download
Deal Lieutenant
5
189
3100
66
Expand
kkrulesdnation wrote:

You can get ICICI card to build your cibil score and close it later on after getting Sbi card without FD

If you get SBI card on FD then your FD cannot be closed till the SBI card is closed, so thats a trap.

yes I am thinking the same but first I will try to get hdfc card without fd as it give more offers grinning

Download
Deal Lieutenant
5
189
3100
66
Expand
Simbha3 wrote:

By online ..I applied via haptik…one of agent called me and visited home next day..said they can give credit card to you if you do a deposit of higher amount…like 1 lakh or more..

you just have to deposit cheque of 1lac(as security) right, they will not encash it, am I right ?

Download
Deal Lieutenant
5
189
3100
66

one update for these who are not employed and want a credit card -
sbi credit card mam said to maintain balance so that my three consecutive quater interest should be above 500 then she can issue me a simply click credit card, I am thinking to do that only as it will not need any fd.
also cards and interest per quater is as
500- simply click
1600- sbi prime card
10,000- sbi elite

now if someone reads this please solve my query
which is better simply click and prime and pls tell me why
thanks

Cutebaby
Deal Lieutenant
9
676
5190
48

Hey Khan, you requirements for cc are bit complex.
My sincere advise is –
1. If you are student, don’t go for cc.
2. As you are saying you are self employed (Is it your part-time ?), If it’s full-time then you try above options genuinely.

And, Reg. your last query I heard that sbi prime is best among all followed by simply click, simply save.

Img 20180820 174730
Deal Subedar
11
79
1313
23
Expand
kkrulesdnation wrote:

You can get ICICI card to build your cibil score and close it later on after getting Sbi card without FD

If you get SBI card on FD then your FD cannot be closed till the SBI card is closed, so thats a trap.

It’s not trap, it’s rule…

Missing