Aman Mishra
KF Rookie
I wanted to upgrade to a credit card and as we all know today this is so confusing so can you guys help with it pls. Also if possible please let me know the reason why should I get that card.
Can you suggest me some best credit card with offers either free or yearly charges..
- Thread starter Aman Mishra
- Start date
launchcraft
KF Mentor
You must be using AMAZON as it one of the biggest ecommerce giant.
Amazon has partnered with ICICI to give AMAZON PAY ICICI card which gives 5% cashback to prime customers and 3% cashback to non prime customers which is actually a very good deal.
So according to me this is one of the best card available there which can be obtained easily as it is co-branded and acceptance is dependent on the usage of that brand.
After this you can go for ONECARD which is a great card which gives offers and rewards on various brands like reliance, dmart, bata, etc.
This card is also given easily to many people.
Amazon has partnered with ICICI to give AMAZON PAY ICICI card which gives 5% cashback to prime customers and 3% cashback to non prime customers which is actually a very good deal.
So according to me this is one of the best card available there which can be obtained easily as it is co-branded and acceptance is dependent on the usage of that brand.
After this you can go for ONECARD which is a great card which gives offers and rewards on various brands like reliance, dmart, bata, etc.
This card is also given easily to many people.
which Credit Card are you using currently? and how does your monthly spends look like?
Aman Mishra
KF Rookie
Well, firstly, I would like to apologize as I forgot to mention that as I am going to turn 18 and managing my expanses and all, so this is going to be my first Credit card.
Aman Mishra
KF Rookie
Yeah, Thanks for the info. As of now, one card is good for looks, but overall, it could be better as the maintenance and all + plus the return or the cashback percentage is somewhere around 1%, which is way too low compared to others.
launchcraft
KF Mentor
There is no maintenance charge as of now... It's lifetime free and if you get this card you can even earn upto 21% value back on some brands.
launchcraft
KF Mentor
I think you have to research more about different cards and their benefits.
Aman Mishra
KF Rookie
One card is not in my priority list
launchcraft
KF Mentor
Got it.
Skylar
KF Master
Ahha
When you take ONE CARD it's not about the base reward rate
There are a hell lot of other rewards and value back ranging from 3% to 30%, which most of you don't know. And I'm not interested in elaborating them
Skylar
KF Master
Better not put it in priority, more people use that card more the chances of that card getting devalued
launchcraft
KF Mentor
If you are about to turn 18 better get you PAN Card first and go for EMI's first on basic products like phone, laptop, etc. which will help in building your credit history as any bank will first see your history and repayments before giving you any card. Bank cannot just give you card without any credit report or the history, so its better you should focus on building your credit history before jumping into credit cards.
Prince
KF Mentor
You can go for Gild Credit Card, that FD Backed credit card providing you Interest on FD @7% and Credit Card benefit, which can help you generate CIBIL.
If you want to apply Gild Card, you can connect with me at +prince01office@gmail.com.
If you want to apply Gild Card, you can connect with me at +prince01office@gmail.com.
Last edited:
Aman Mishra
KF Rookie
Well Ik that I have to build my credit history so for that I have plans for it but after that if I plan to get my Credit card which one should I go for it in that sense I was asking...
Aman Mishra
KF Rookie
haha so funny omgBetter not put it in priority, more people use that card more the chances of that card getting devalued
Skylar
KF Master
Building your credit history will take 6 to 9 month and even then, you'll get entry level cards unless you Have good annual package or ITR.
Skylar
KF Master
Yeah, most don't know the benefits that card has, even a few who know don't know how to use it.
And that's the advantage card is not yet devalued, even Bekifaayti videos say card is not good anymore
and there is no other card that can match the benefits one card gives on offline stores.
Everyone knows the 0.10% reward it offers no one knows the 3% to 30% value back it gives.
***No tricks will be reveled here
launchcraft
KF Mentor
The thing is it will take time to build your credit history, after that the best card will change for that time because the cards keep changing their rewards system and offers so it's better to research after having a good history..
Aman Mishra
KF Rookie
ig ik that
Aman Mishra
KF Rookie
excatly I was asking other cards what people are liking to used not just one card is this that other people dont know and ....
Similar threads
