"suggest a beginner CC"

[Bharath Kumar]

Hey credit card enthusiasts, hope you can help me on this!!
I am 20 yrs now and will be 21 yrs in jan 2025.
I have a Cibil score of 769 and Experion 750.
I have got this score by using slice borrow and the account age is 6 months.
I do not have any other loans or cc on my name.
{I took this supercard CC from supermoney app this month. There is no use for this, I'll close it after few more months}
Please suggest me a good CC that I can get without income proof.{ I will get income proof/salary statement after few months, so for now without income proof}
It would be better if it is a LTF card. But I am ready to pay renewal fees if required.
{pls don't say "take a secured CC"}
and ... my knowledge in terms of cc management, I am very good at it, I even help my father with cc's and his score is above 800.

 

[hitirfan]

You should use FD backed CC for now. Don't close Supermoney Card. Apply for unsecured CC after having income proof. Or you can open Account in HDFC Bank and keep using their Debit Card/ UPI and wait for preapproved credit card offer from them.

 

[Bharath Kumar]

sure thank you!!
Even if I use a FD backed card for six months or so, after that I should apply for a new card so could you please say a good card with good benefits.{excluding travel benefits}. And btw the supercard is FD backed, so for now I'm using this.

 

[hitirfan]

sure thank you!!
Even if I use a FD backed card for six months or so, after that I should apply for a new card so could you please say a good card with good benefits.{excluding travel benefits}. And btw the supercard is FD backed, so for now I'm using this.

I also have Supermoney card but it hasn't reflected in CIBIL or any other score. If they don't report it to CIBIL then it won't help you in credit history.

HDFC Tata Neu Cards are good. Kiwi Yes Bank Rupay Card

 

[Bharath Kumar]

Yeah now that's some really helpful information, thank you.. I apply for tata neu plus for now. If I get it for LTF then i'll keep it otherwise ill simply take a ltf card from my salary account bank after few months.

 

[hitirfan]

Yeah now that's some really helpful information, thank you.. I apply for tata neu plus for now. If I get it for LTF then i'll keep it otherwise ill simply take a ltf card from my salary account bank after few months.

Ajkal HDFC ke kuch cards LTF mil rahe hain. Agar free mila b nahi fir b one year tak rakh lena taki CIBIL score acha bane.

 

[harsh_ujjwal]

Hey credit card enthusiasts, hope you can help me on this!!
I am 20 yrs now and will be 21 yrs in jan 2025.
I have a Cibil score of 769 and Experion 750.
I have got this score by using slice borrow and the account age is 6 months.
I do not have any other loans or cc on my name.
{I took this supercard CC from supermoney app this month. There is no use for this, I'll close it after few more months}
Please suggest me a good CC that I can get without income proof.{ I will get income proof/salary statement after few months, so for now without income proof}
It would be better if it is a LTF card. But I am ready to pay renewal fees if required.
{pls don't say "take a secured CC"}
and ... my knowledge in terms of cc management, I am very good at it, I even help my father with cc's and his score is above 800.

Get add- on card from your father's cc account. Use it wisely. It should reflect in your cibil history. Then try fr axis Flipkart n sbi simply click.

 

[krishna1718]

I also have Supermoney card but it hasn't reflected in CIBIL or any other score. If they don't report it to CIBIL then it won't help you in credit history.

HDFC Tata Neu Cards are good. Kiwi Yes Bank Rupay Card

it was showing utkarsh bank from today in cibil

 

[Skylar]

Hey credit card enthusiasts, hope you can help me on this!!
I am 20 yrs now and will be 21 yrs in jan 2025.
I have a Cibil score of 769 and Experion 750.
I have got this score by using slice borrow and the account age is 6 months.
I do not have any other loans or cc on my name.
{I took this supercard CC from supermoney app this month. There is no use for this, I'll close it after few more months}
Please suggest me a good CC that I can get without income proof.{ I will get income proof/salary statement after few months, so for now without income proof}
It would be better if it is a LTF card. But I am ready to pay renewal fees if required.
{pls don't say "take a secured CC"}
and ... my knowledge in terms of cc management, I am very good at it, I even help my father with cc's and his score is above 800.

Income proof verification depends on the location; some banks prefer to conduct it, while others do not. In my location, none of the banks perform income verification, only KYC.

Consider applying with:
- IDFC (your choice)
- YES Bank (Kiwi card)

These banks offer offline KYC:
- Axis Bank
- HDFC Bank
- ICICI Bank

Banks to avoid for now as guaranteed verification:

- SBI
- BOB

Least recommended AU Bank (worst bank)

 

[hitirfan]

it was showing utkarsh bank from today in cibil

Mje Experian mai aya hai but CIBIL mai nahi.