Suggestion about my new decision

[adi6928]

Hey Guys
I am turned in my 20s in 2025. I have been using Flipkart Axis bank CC since 1.8 yrs. Now, I’m getting new credit cards of RBL Bank Rupay shoprite CC LIFETIME FREE. Till date my credit score is about 788. On the basis of this they are providing my RBL CC. Does this affect my credit history / score. I want know what you guys think and any suggestions on this New RBL CC which you guys feel good for me in future. Let me know.

 

[TaxWiser]

Hey Guys
I am turned in my 20s in 2025. I have been using Flipkart Axis bank CC since 1.8 yrs. Now, I’m getting new credit cards of RBL Bank Rupay shoprite CC LIFETIME FREE. Till date my credit score is about 788. On the basis of this they are providing my RBL CC. Does this affect my credit history / score. I want know what you guys think and any suggestions on this New RBL CC which you guys feel good for me in future. Let me know.

If you can utilize Shoprite CC benefits then take it or just leave it.

 

[krishna1718]

Hey Guys
I am turned in my 20s in 2025. I have been using Flipkart Axis bank CC since 1.8 yrs. Now, I’m getting new credit cards of RBL Bank Rupay shoprite CC LIFETIME FREE. Till date my credit score is about 788. On the basis of this they are providing my RBL CC. Does this affect my credit history / score. I want know what you guys think and any suggestions on this New RBL CC which you guys feel good for me in future. Let me know.

first decided flipkart axis is useful to you or not. my suggestion try to get airtel axis and then close flipkart. RBL Rupay shoprite since lifetime free go with it blindly score may drop for few months to 750-760 not a big concern it will be back with in 6 months since you close flipkart axis

 

[zack54]

I have been using RBL shoprite which I found of not so useful card. I won't suggest you. Do not go towards the life time free option. I dont think that card will be beneficial. Go with the Axis Ace card, it is not life time free but will give you cashbacks for utility payments and offline spends as well.

 

[abhimarda]

Hey Guys
I am turned in my 20s in 2025. I have been using Flipkart Axis bank CC since 1.8 yrs. Now, I’m getting new credit cards of RBL Bank Rupay shoprite CC LIFETIME FREE. Till date my credit score is about 788. On the basis of this they are providing my RBL CC. Does this affect my credit history / score. I want know what you guys think and any suggestions on this New RBL CC which you guys feel good for me in future. Let me know.

Almost a useless card. I have it and seldom use it. Better LTF cards available in market

 

[adi6928]

If you can utilize Shoprite CC benefits then take it or just leave it.

Both found useful for me

 

[adi6928]

If you can utilize Shoprite CC benefits then take it or just leave it.

Axis Bank is offering LTF Credit Card in and which card is best for online and offline spends?

 

[adi6928]

Axis bank Privilege credit card Janab…LTF da rage ha. Lane chahiya ya nhi

 

[TaxWiser]

Both found useful for me

Axis Bank is offering LTF Credit Card in and which card is best for online and offline spends?

Axis bank Privilege credit card Janab…LTF da rage ha. Lane chahiya ya nhi

If you can fully utilize the benefits of a credit card, it can be a valuable financial tool. However, if you cannot, it may be better to avoid it. Just because a credit card is LTF doesn’t automatically make it a good choice. While a lifetime free credit card can be attractive due to the absence of annual fees, it’s crucial to evaluate whether the card’s benefits align with your spending habits and financial goals. Simply increasing your credit limit without gaining significant cashback/rewards or discounts may not be the best financial decision.

 

[Vipul0007]

Hey Guys
I am turned in my 20s in 2025. I have been using Flipkart Axis bank CC since 1.8 yrs. Now, I’m getting new credit cards of RBL Bank Rupay shoprite CC LIFETIME FREE. Till date my credit score is about 788. On the basis of this they are providing my RBL CC. Does this affect my credit history / score. I want know what you guys think and any suggestions on this New RBL CC which you guys feel good for me in future. Let me know.

Don’t upgrade your 1 card and dont closed you 1st card you can take any credit card according to your need but don’t close your 1st card because i have made same mistake.