[CREDIT CARD RECOMMENDATION + SCORE CONFUSION | Need Suggestions 🙏]

[m6686570]

I’m planning to apply for a new unsecured credit card and wanted some help

• Last credit card (closed voluntarily) had a ₹90,000 limit over a year now one of the worst decisions i made
• my CIBIL score dopped heavily but now its 779
• i have a Doubt - IF now i apply any new unsecured credit card (from SBI or HDFC) will bank also see my Experian credit score along with CIBIL and can deny on this basis as my Experian score is very bad idk why
• And please recommend me a Credit card mostly usage is shopping online and offline both but online more I'm considering either SBI Simply Save & click or HDFC money back or Millenia
  
  
  

 

[hitirfan]

See if u can get HDFC Millennia 5% cashback on Amazon Flipkart etc. from SBi try to get SBI Cashback, difficult to get also if u get it, limit may be very low.
Also check if u have offer to apply Amazon Pay ICICI Credit Card on Amazon application.

 

[Gajendrakumar]

SBI cashback is more value among your choices since it gives 5% CB on online purchase without restrictions.


But, Don't apply for too many credit cards in a short period of time, it hurts your score again.

 

[m6686570]

See if u can get HDFC Millennia 5% cashback on Amazon Flipkart etc. from SBi try to get SBI Cashback, difficult to get also if u get it, limit may be very low.
Also check if u have offer to apply Amazon Pay ICICI Credit Card on Amazon application.

I would have considered SBI cashback but as you said said Denial Probability is high and also limit will be very low , but i want some considerable limit and next 5 months i may need a limit of atleast 90k again ?

 

[hitirfan]

I would have considered SBI cashback but as you said said Denial Probability is high and also limit will be very low , but i want some considerable limit and next 5 months i may need a limit of atleast 90k again ?

SBI gives very low limit ranging from 10K on the Cashback Card.

 

[m6686570]

SBI gives very low limit ranging from 10K on the Cashback Card.

ya so most probably i will opt for sbi simply save

 

[Neil Chris]

I wont suggest you to apply for SBI or HDFC card at the first place instead I shall suggest you to go for a Jupiter Rupay credit card which is provided by CSB bank in collaboration with Jupiter application and further I shall suggest that shuffle for some lifetime free credit cards like Axis bank's Neo credit card, IndusInd bank's signature card, IDFC first bank's credit card, ICICI bank's coral and amazon pay credit card, Kotak bank's Rupay credit card and there are many more available in the market so kindly go through these options and definitely you can improve your CIBIL score.