Raghavg123
KF Rookie
Hey guys what would be better if we compare tata neucard plus and hdfc money back plus? I am eligible for both the cards.
First Credit card to start building credit score.
- Thread starter Raghavg123
- Start date
Depends on your existing credit cards and if you need Rupay for UPI transactions or not.
But to give a general answer Money-back plus.
Rewards from Neucard can only be used on Neu app which is very restrictive
Specially because you can find same or similar products or services at better cheaper prices elsewhere.
And for bill payments you might find better cashback offers from other apps.
Also once you have a Core HDFC credit card you can easily apply and get their cobranded credit cards
But if you first choose a cobranded credit card, might not be as easy.
And for UPI, HDFC runs promotional offer every now and then to get a virtual rupay card with their Core Credit Cards for joining fee of just 99
Annual fee waiver criteria is also achievable around 25000
Skylar
KF Master
Initially, consider obtaining the HDFC MoneyBack Plus Credit Card. HDFC Bank’s policies can be intricate, especially if your first card is a co-branded one. Securing a core credit card first is crucial. Once you have a core card, acquiring any co-branded card becomes straightforward.
RitamModak
KF Mentor
Oh. It is like this .. When You are using Amazon pay it should give instant discount of 5% upto 40₹ (once in a month) and on Cred you also get 5% upto 30₹ (once in a month) and minimum amount is 250₹ . You will get instant savings when you pay from one card in both case .. It will give you discount on mobile recharge and electricity and every utility .. sometime it didn't catch the offer ...( I have faced only 1 time on cred in 2 years) But it's good where no one is giving discount on electricity bill payment. .You Can also check The offer running on ONE CARD APP Rewards Section.
RitamModak
KF Mentor
And also I want to add that in this current month I am not showing the offer .. I used it last on 1 Apr on my electricity bill payment . But On check-ing today it is not showing the offer now... Previously that happens but they return those offers .. So if there is no offer again ..It will be a major cons in countable.. as we know one card is making their offer down again and again .
Skylar
KF Master
I guess its user specific, I used it twice and now its not showing from me in my dad's app the offer is being showed.
RitamModak
KF Mentor
It may be but my friend also use this continuesly from 1 and a half years.
