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Go for ICICI Apay, SBI CB, Simply Click or Save for an Instant SBI discount offers

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Get any sbi base variant card from 2nd year ask them to convert it to LTF

Which bank? new info I thought they were not issuing new cards

Pay the maximum amount that you can pay Don't apply for any new credit card for a minimum of 6 months, your score will gradually increase don,t spend any more using your card till you repay the full amount.

Slightly change the address in the office address add near this and the communication address keep the aadhaar card one

As you are a student get the 10K variant account

One is 10K MAB another is 25k MAB get any one of them both have same features except Airport lounge access and card limit

Just twitch the office address with your home address it will work

Get IDFC account with unlimited withdrawal any Bank ATM

Most of the cards have unlimited cash withdrawal limit from HDFC ATM. Excluding few basic variant cards.

Which mode you applied the card

" I own primary card from other banks." meaning?

You must be a high spender and have a good relationship with HDFC and few Investment via them or NRI

If your spending pattern meets the Infinia rewards structure then take Infinia Also, you have to extract the benefits from Infinia as it's a paid card with 10K+ annual fees

Yes For example, if you have Axis Flipkart and Myzone Paid both sharing a 1.5L limit then you get charged 590 twice one for Flipkart and another for My Zone

It looks like they are only encouraging to do more transactions & no returns

Take the Biz Black if its LTF then Aim for Infinia

Yes, have 3 accounts with them 1 Solo 2 Joint using them from July 23. Recently got upgraded to First Select and Next month I am upgrading it to First Wealth. Smooth Experience so far. CC is also very helpful, call them any time.