Please read the thread -need suggestion regardi...

Please read the thread -need suggestion regarding credit card

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

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Deal Subedar
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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

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Deal Subedar
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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

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Deal Subedar
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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

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Deal Lieutenant
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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

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Deal Lieutenant
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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

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Deal Subedar
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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

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Deal Lieutenant
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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

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Deal Newbie
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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

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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

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Deal Subedar
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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….

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Deal Lieutenant
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I will try that

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Deal Newbie
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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.

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Deal Lieutenant
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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 ?

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Deal Newbie
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SARDARKHAN wrote:

but what if he asks itr
what will I do ?

Give the geniune one and pray for luck.

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Deal Newbie
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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.

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Deal Subedar
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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 ?

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Deal Subedar
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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..

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Deal Subedar
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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

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Deal Subedar
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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?

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Deal Subedar
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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

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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..

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Deal Subedar
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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

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Deal Lieutenant
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jambui wrote:

Give the geniune one and pray for luck.

laughing
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Deal Lieutenant
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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

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Deal Lieutenant
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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 ?

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Deal Lieutenant
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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
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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.

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Deal Subedar
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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…

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