First time credit card

[praveen's]

First-Time Credit Card.
I hope this message finds you well. I am currently exploring options for my first credit card and would greatly appreciate your expert advice. My key requirements are as follows:

1. Usage:
• Online Cash Back: I frequently shop on Amazon and order from zomato and book my show.
• Daily Expenses: Rewards for spending at offline stores for groceries, etc.
• utility bills cash back : current bills, water bills,DTH bills and recharge ect.
2. Card Options:
• Free Lifetime Credit Cards: Could you please suggest three options that do not have any annual or joining fees?

 

[Skylar]

First-Time Credit Card.
I hope this message finds you well. I am currently exploring options for my first credit card and would greatly appreciate your expert advice. My key requirements are as follows:

1. Usage:
• Online Cash Back: I frequently shop on Amazon and order from zomato and book my show.
• Daily Expenses: Rewards for spending at offline stores for groceries, etc.
• utility bills cash back : current bills, water bills,DTH bills and recharge ect.
2. Card Options:
• Free Lifetime Credit Cards: Could you please suggest three options that do not have any annual or joining fees?

First time credit card, so not having any credit history?
Got salary account?

 

[praveen's]

I have bajaj EMI card.No salary account.

 

[Bharatiya Nagrik]

First-Time Credit Card.
I hope this message finds you well. I am currently exploring options for my first credit card and would greatly appreciate your expert advice. My key requirements are as follows:

1. Usage:
• Online Cash Back: I frequently shop on Amazon and order from zomato and book my show.
• Daily Expenses: Rewards for spending at offline stores for groceries, etc.
• utility bills cash back : current bills, water bills,DTH bills and recharge ect.
2. Card Options:
• Free Lifetime Credit Cards: Could you please suggest three options that do not have any annual or joining fees?

You might not get everything in one card. Start with one and slowly build your credit profile so that banks will be able to offer better cards based on credit score.
For online - SBI CB, HSBC CB, HDFC millenia give 5% cb in most cases.
Daily expenses - get a Rupay credit card for UPI.
Utility bills - Axis Airtel if you have Airtel connections or Axis Ace will be best option.

Only Rupay credit card you might get LTF but others listed above are paid.
One LTF is OneCard CC which sometimes give good rewards based on the local shops in your area. You can have look at that.

 

[praveen's]

Thank you...

 

[Gogineni]

Check this comprehensive comparison of card

 

[Gogineni]

Check this comprehensive comparison of card

 

[praveen's]

Thank you