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Wait until you turn 21, and start with Any LTF Core CC of HDFC Amazon Pay ICICI LTF CC Swiggy HDFC CC Axis Airtel CC Tata Neu Infinity RuPay CC

CCs with Milestone Benefits like Axis Atlas, Amex Platinum etc.

Agreed ✌️ & Thanks for the specific details. That's why, Expense tracking and Financial planning helps in avoiding such unnecessary limitations and keep things running smoothly. 🤗

If you have not activated the Sapphiro cards (i.e., not completed the OTP-based activation), as per RBI guidelines, the card issuer should automatically close the card after 30 days (with a 7-day grace period, total 37 days) and you should not be charged any joining or annual fee. However, since...

Mobikwik has been one of the most consistent apps when it comes to flat cashback offers [at present, get 1% cashback (up to ₹25) and 1% supercash (up to ₹100)] Plus, if you spend using an SBI Virtual Debit Card(₹0 Annual/Renewal Fees), you'll earn unlimited Yono Rewards points worth 0.5% of...

Absolutely! Go for the Airtel Axis Credit Card, it’s a great choice considering your spending. ✌️ If your annual merchant UPI spends & other expenses (where you can't make use of Swiggy HDFC, Amazon ICICI, or Airtel Axis CC) add up to around ₹1 lakh or more, then it’s worth considering the Tata...

If I were in your shoes: I’d try to arrange an Amazon Pay ICICI Credit Card with a sufficient limit from friends or family. After receiving my order, I’d pay their credit card bill[Total Purchase Amount - Total Cashback] via MobiKwik using my SBI Virtual Debit Card to maximize savings. (Tip: If...

If Lenovo's 5% cashback is processed separately and HDFC Swiggy Card recognizes Lenovo as an eligible merchant, you should get 10% total cashback. 🤗 To be sure: Check Lenovo’s terms to confirm all cards qualify. Verify HDFC’s merchant category eligibility for Lenovo. Look for past user...

Congratulations on starting your professional journey! 🎉 This is an exciting milestone, and choosing the right CC can help you maximize savings while aligning with your travel goals. My Recommendation will be to go with CCs with Milestone benefits like Axis Atlas, Amex Platinum, HDFC Regalia...

Nope because it's an Invite-only CC. Try reaching out your HDFC relationship manager regarding the same. 🫡

It might be because your credit portfolio does not align with your income, according to the bank. Revaluate your credit portfolio and close unnecessary CCs which doesn't aligns with your spending habits. As per my personal experiences, being a member of HDFC Preferred or Imperia Banking...

Try improving your Credit utilization by making it Below 7-9% and Credit Mix by reducing unsecured CC & Loans(Personal loan) and adding Secured CC & Loans(Home loan) 🤗

Close any unnecessary credit cards, and try to avoid applying for a new credit card or loan for at least 6 to 9 months. 👍

Yes, but bank executives often try to avoid doing this. My recommendation would be to apply for any other HDFC CC, and once you receive an unsecured CC, you can go ahead and close the secured one. ✌️

You have a good credit score! try applying for the SBI Cashback CC. Right now, they’re offering it without requiring any income proof. You can also consider HDFC and Axis Bank credit cards, as their approval rates are quite high. If your credit card application gets declined, don’t...

It looks like Lucknow Vidyapeeth has a non-refundable registration fee policy. Here’s what you can do next: 1. Check Their Refund Policy – Carefully review their official terms and conditions regarding refunds. Based on the information available, their registration, study material, and...

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I’d recommend paying the TAD before its due date. HDFC will adjust the extra amount in your next billing cycle seamlessly! 🤗 Make sure you provide all necessary evidence supporting your accusations to HDFC CC Customer Service Team. 🙄

Considering your spending, my suggestion would be: Tata Neu Infinity RuPay CC(for Offline spends via UPI & Lounge Access) SBI Cashback CC(for Regular Online Spends) any one Core HDFC/Axis/Axis Lifetime Free CC or basic SBI CC(specifically for BBD & GIF sale) 🤗