How to apply for first unsecured cc

[Nani]

Hai hii

This is Nani Through your experience please suggest me few unsecured cc's to apply which might get approved for me as you said earlier I got 1 year+ credit age through my Bajaj Emi card and fd cc and my CIBIL right now is 773 so by considering this which cards might get approved for me so please suggest some of them or else show me the path that I can get unsecured CC in the future

Thank you

 

[hitirfan]

Hai hii

This is Nani Through your experience please suggest me few unsecured cc's to apply which might get approved for me as you said earlier I got 1 year+ credit age through my Bajaj Emi card and fd cc and my CIBIL right now is 773 so by considering this which cards might get approved for me so please suggest some of them or else show me the path that I can get unsecured CC in the future

Thank you

Income?

 

[RitamModak]

Hello Nani,
Based on your CIBIL score of 773 and over one year of credit history, here are some unsecured credit cards you might consider, along with their minimum income requirements:


Amazon Pay ICICI Bank Credit Card
Minimum Income: ₹25,000 per month for ICICI Bank customers; ₹35,000 per month for non-customers. This card offers cashback on Amazon purchases and is lifetime free.

Flipkart Axis Bank Credit Card
Minimum Income: ₹15,000 per month. Ideal for Flipkart shoppers, offering cashback on purchases.

Axis Bank ACE Credit Card
Minimum Income: ₹25,000 per month. Provides cashback on various categories, including utility payments.

IDFC FIRST Millennia Credit Card
Minimum Income: ₹25,000 per month. Offers rewards on all spends and is lifetime free.

Recommendations:

• Assess Your Income: Ensure your monthly income meets the minimum requirements for the card you choose.
• Apply Strategically: Given your good credit score, applying for one of these cards could enhance your credit profile.
• Maintain Financial Discipline: Continue managing your credit responsibly to improve your chances of future approvals.

 

[Nani]

Income?

I'm self employed around 30-35k

 

[Nani]

Hello Nani,
Based on your CIBIL score of 773 and over one year of credit history, here are some unsecured credit cards you might consider, along with their minimum income requirements:


Amazon Pay ICICI Bank Credit Card
Minimum Income: ₹25,000 per month for ICICI Bank customers; ₹35,000 per month for non-customers. This card offers cashback on Amazon purchases and is lifetime free.

Flipkart Axis Bank Credit Card
Minimum Income: ₹15,000 per month. Ideal for Flipkart shoppers, offering cashback on purchases.

Axis Bank ACE Credit Card
Minimum Income: ₹25,000 per month. Provides cashback on various categories, including utility payments.

IDFC FIRST Millennia Credit Card
Minimum Income: ₹25,000 per month. Offers rewards on all spends and is lifetime free.

Recommendations:

• Assess Your Income: Ensure your monthly income meets the minimum requirements for the card you choose.
• Apply Strategically: Given your good credit score, applying for one of these cards could enhance your credit profile.
• Maintain Financial Discipline: Continue managing your credit responsibly to improve your chances of future approvals.

Thank you for your advise

 

[hitirfan]

I'm self employed around 30-35k

Apply for Axis Neo, which gets issued easily then after 3 months you can get pre-approved card from Axis like Ace or Airtel Axis.

See if you have offer to apply for Amazon Pay ICICI Credit Card.

Hdfc banks offers many CC LTF nowadays try your luck.