Best FD linked credit card

[Gagandeep@Singh]

My CIBIL score is low. It is around 700, but I want to take it above 750. Please tell me about the best FD credit card.
I have an account with Kotak Mahindra Bank. Will Kotak Mahindra Bank's FD linked credit card be suitable?

 

[Skylar]

My CIBIL score is low. It is around 700, but I want to take it above 750. Please tell me about the best FD credit card.
I have an account with Kotak Mahindra Bank. Will Kotak Mahindra Bank's FD linked credit card be suitable?

Yes, it will be.

 

[Skylar]

If you are planning to have a FD based one with over 35k then I would suggest OneCard as it has better offline discounts and even online GV can be bought at the best rate.

 

[ShavirB]

My CIBIL score is low. It is around 700, but I want to take it above 750. Please tell me about the best FD credit card.
I have an account with Kotak Mahindra Bank. Will Kotak Mahindra Bank's FD linked credit card be suitable?

For improving your score, you will have to first understand why it's low. Getting a Credit Card may not be the best move without doing a root cause analysis of your score.

 

[zacobite]

My CIBIL score is low. It is around 700, but I want to take it above 750. Please tell me about the best FD credit card.
I have an account with Kotak Mahindra Bank. Will Kotak Mahindra Bank's FD linked credit card be suitable?

WOW card IDFC.. Easiest to get if all other docs are fine

 

[AV$]

My CIBIL score is low. It is around 700, but I want to take it above 750. Please tell me about the best FD credit card.
I have an account with Kotak Mahindra Bank. Will Kotak Mahindra Bank's FD linked credit card be suitable?

Onecard will be the best. It has multiple brand discounts, gift vouchers which give great valueback on many brands, best example - 5% return on Myntra (which is even better than flipkart axis credit card )
If you spend on atleast 3 categories in a month you'll get 1% return on the top 2 categories.
Also fyi they started upgrading their FD card users to unsecured credit card just this month (though the offer seems to be put on hold due to RBI)

If you have too much money to put in the FD you can consider ICICI card for 10% discounts during sales.

Kotak is the only bank which offers credit limit increase even on FD card so that's a plus point.

Idfc wow credit card is the only FD card which has 0% forex so if you are looking to do international transactions that's where you should look.

 

[Skylar]

which is even better than flipkart axis credit card

Flipkart axis card doesn't give 5% on myntra anymore as Myntra Kotak Card launched and that gives 7.5% instant discount.

 

[AV$]

Flipkart axis card doesn't give 5% on myntra anymore as Myntra Kotak Card launched and that gives 7.5% instant discount.

Yes that's what I meant that onecard gv gives even better returns than flipkart axis.
7.5% returns can only be matched by buying vouchers through one of those bitcoin reward apps like ANQ & GOSATS (5% off + 2.5% in rewards)

 

[Skylar]

ANQ & GOSATS (5% off + 2.5% in rewards)

Is it legal?
Tell me more about those

 

[AV$]

Is it legal?
Tell me more about those

Both the apps are basically gyftr like platform ie providing discounts on gift vouchers

I'm not aware about the legality aspect but cheq had a voucher for GOSATS card at 1:10 conversion ratio (1 cheq chip = ₹10) so I got it

There are two variants of cards Intro & Elite, voucher is for intro card but you can upgrade to elite after paying the difference (₹100)
You have option to choose between bitcoin or digital gold as reward
They give you SATS as reward which has currently value of 60SATS = ₹1 in Bitcoin
You can withdraw after reaching 30000SATS = ₹500

The gold redemption is a bit difficult to achieve so I won't recommend that.
If you want easy redemption in gold rewards try another app ANQ

 

[Skylar]

Both the apps are basically gyftr like platform ie providing discounts on gift vouchers

I'm not aware about the legality aspect but cheq had a voucher for GOSATS card at 1:10 conversion ratio (1 cheq chip = ₹10) so I got it

There are two variants of cards Intro & Elite, voucher is for intro card but you can upgrade to elite after paying the difference (₹100)
You have option to choose between bitcoin or digital gold as reward
They give you SATS as reward which has currently value of 60SATS = ₹1 in Bitcoin
You can withdraw after reaching 30000SATS = ₹500

The gold redemption is a bit difficult to achieve so I won't recommend that.
If you want easy redemption in gold rewards try another app ANQ

Wow, that's sounds amazing have to try it
Thanks for the information

 

[AV$]

Wow, that's sounds amazing have to try it
Thanks for the information

Lol definitely.
Get my referral link later

 

[Skylar]

Lol definitely.
Get my referral link later

Send in DM

 

[Skylar]

or you can post it here too

 

[AV$]

or you can post it here too

GOSATS: GSDR2498
ANQ: 1D709A3683A
If you use cheq definitely buy the GOSATS voucher. Try out GOSATS, on basis of experience you can opt for ANQ