Suggest me a credit card

Suggest me a credit card

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Hi Dimers,

I have HDFC Moneyback VISA credit card with a limit of 1,15,000 rupees. I am now looking for a new credit card with the following set of conditions -

1. I should be able to apply for a new one on the Card-on-Card basis. No salary slip, no ITR.

2. The card should be LTF with no joining fees preferably. SBI I won’t apply as they don’t give LTF.

Bonus – if the new card provides Lounge access.

Thanks.

9 Comments  |  
4 Dimers
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If you have relationship with Kotak bank.. call phone banker or visit branch and request for.. Royal Singature cc ! They might give it as LTF ! Not guaranteed always, worth giviny a try !

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raksrocks wrote:

If you have relationship with Kotak bank.. call phone banker or visit branch and request for.. Royal Singature cc ! They might give it as LTF ! Not guaranteed always, worth giviny a try !

I have Kotak account. Benefit of royal singature cc ?

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raksrocks wrote:

If you have relationship with Kotak bank.. call phone banker or visit branch and request for.. Royal Singature cc ! They might give it as LTF ! Not guaranteed always, worth giviny a try !

I have account with HDFC Bank only.

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anand.k.ak946283 wrote:

I have Kotak account. Benefit of royal singature cc ?

- LTF
- airport lounge access free even for addon card too

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All good cards have fees or either spend based fee waiver. There are very few cards like yes first exclusive which is completely free and gives few benefits. When it comes to cc, sbi, hdfc and amex are the best. They have very nice offers and give periodic spend based vouchers. Take a card which is useful for you where you can earn something out of it. Don’t take cards from banks like kotak etc. Kotak is not good with credit card portfolio

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hullaluya wrote:

I have account with HDFC Bank only.

Then.. simply upgrade ur card to Diners clubmiles card ! as eligibility criteria is very less ! But decent benefits are ther

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xxScriptzXx wrote:

All good cards have fees or either spend based fee waiver. There are very few cards like yes first exclusive which is completely free and gives few benefits. When it comes to cc, sbi, hdfc and amex are the best. They have very nice offers and give periodic spend based vouchers. Take a card which is useful for you where you can earn something out of it. Don’t take cards from banks like kotak etc. Kotak is not good with credit card portfolio

Going for Kotak is not expecting some great rewards and RP value.. kotak visa signature cards are LTF and give lounge access too on Visa lounge list ..per quarter 2 free visits.. I suggested for OP just because he asked for LTF + lounge access on card on card basis ! Else I would suggest paytm rupay platinum debit card to use for lounge access ! Its working flawlessly in Plaza Premium lounges in India.

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raksrocks wrote:

Going for Kotak is not expecting some great rewards and RP value.. kotak visa signature cards are LTF and give lounge access too on Visa lounge list ..per quarter 2 free visits.. I suggested for OP just because he asked for LTF + lounge access on card on card basis ! Else I would suggest paytm rupay platinum debit card to use for lounge access ! Its working flawlessly in Plaza Premium lounges in India.

Thanks but on its website, it says “from 2nd year, annual charges are waived if spend is more than 1 lakh in a year”. Is it true?

And eligibility – no mention of Card-on-card basis. Please tell me how to apply?

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hullaluya wrote:

Thanks but on its website, it says “from 2nd year, annual charges are waived if spend is more than 1 lakh in a year”. Is it true?

And eligibility – no mention of Card-on-card basis. Please tell me how to apply?

We need to negotiate..then c-c is possible !

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