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.
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I have Kotak account. Benefit of royal singature cc ?
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.
Any idea about Union Bank of India. Signature credit card? The card gives 1 international lounge access and annual charges 250.
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 !