Seeking Advice: Lifetime Free Credit Card with Cashback for Shopping and Dining

[Hitha]

Hi everyone,

I'm currently looking for advice on choosing the right credit card that suits my needs. I'm particularly interested in a card that is lifetime free and offers cashback, as I primarily intend to use it for shopping and dining.

Here are some details about my financial situation:

• Monthly Income: ₹35,000
• Past Loans: I haven't taken any loans before, so there's no history of defaults.
• Current CIBIL Score: I don't have a credit score yet.
• Current Residing City: Bangalore
  
  I'd appreciate any recommendations or insights on credit cards that would be suitable for me.
  

 

[Skylar]

Hi everyone,

I'm currently looking for advice on choosing the right credit card that suits my needs. I'm particularly interested in a card that is lifetime free and offers cashback, as I primarily intend to use it for shopping and dining.

Here are some details about my financial situation:

• Monthly Income: ₹35,000
• Past Loans: I haven't taken any loans before, so there's no history of defaults.
• Current CIBIL Score: I don't have a credit score yet.
• Current Residing City: Bangalore
  
  I'd appreciate any recommendations or insights on credit cards that would be suitable for me.

Call or visit the bank you are holding a salary account with, only they can get you CC easily.
If you apply online. cards will be rejected as you do not have credit history.

- Alternatively, you can take FD based cards.

 

[Prince]

If dont have credit score, Bank will not provide you CC.
1. You can apply pay later from Amazon or Flipkart
2. That way your credit score will be build, you can enjoy credit on flipart / Amazon shoppings.
3. Post 3-4 Months, you can apply for LTF such as ICICI Amazon that will provide you cashback on all spends Online / offline.

Or You can go with FD Backed Credit Card
Or You can apply for Gild Credit Card - its FD backed Card, require no Cibil, provide Interest upto 7% on FD, 1% cashback on all spends.
if you want to apply Gild CC, you can connect with me +96-50-530-550

 

[Hitha]

If dont have credit score, Bank will not provide you CC.
1. You can apply pay later from Amazon or Flipkart
2. That way your credit score will be build, you can enjoy credit on flipart / Amazon shoppings.
3. Post 3-4 Months, you can apply for LTF such as ICICI Amazon that will provide you cashback on all spends Online / offline.

Or You can go with FD Backed Credit Card
Or You can apply for Gild Credit Card - its FD backed Card, require no Cibil, provide Interest upto 7% on FD, 1% cashback on all spends.
if you want to apply Gild CC, you can connect with me +96-50-530-550

I'm grateful for your suggestion regarding pay later options on platforms like Amazon and Flipkart. It seems like a great way to start building my credit history while enjoying the convenience of online shopping. Thanks for pointing me in the right direction!

 

[Hitha]

Call or visit the bank you are holding a salary account with, only they can get you CC easily.
If you apply online. cards will be rejected as you do not have credit history.

- Alternatively, you can take FD based cards.

Thank you so much for your advice! I'll definitely reach out to my salary account bank and explore the credit card options they offer.

 

[Daksh jhanjadiya]

life time free cc are generted or offered by bank itself if you have a loan or something else from that bank