Jump to content

Credit Card - Help & Recommendations


El Tigre Chino
 Share

Recommended Posts

1 hour ago, rushaboswal said:

Osmo 3 combo. 4 and zhiuyn smooth isnt available anywhere. also i have zero idea about gimbals . just bought it to experiment for product videography. So no idea about how good is it for vlogs and stuff.

Sadly DJI 3 doesn't support Samsun S20+ else it's on great price. Thanks did information. 

Link to comment
Share on other sites

8 hours ago, hannibal09 said:

Sadly DJI 3 doesn't support Samsun S20+ else it's on great price. Thanks did information. 

Ok this is a lol moment but i checked it has no support for iphone 12 series too lmao 😂🤣😂

hope it works with 12 mini 😅

Edited by rushaboswal
Link to comment
Share on other sites

I used to have 2 Kotak CCs which I'd gotten with my salary account many years ago. Even after changing jobs I kept the account and the cards. But around last December or so they unilaterally cancelled my cards (wasn't a big deal for me though I'm concerned if/how it'll affect my credit score). I'd quit my job and was freelancing from home so I understood why they might cancel, but I'm no longer willing to bank with them. My other salary account is from HDFC and my new job also uses HDFC and ICICI. Since HDFC can't issue new credit cards rn, I'm contemplating asking my office to set up an ICICI account. But my understanding is that HDFC has better perks on their cards. So, I'm trying to choose between waiting for HDFC to get their sh*t together and get a CC or switch to ICICi. Which sounds better?  

Link to comment
Share on other sites

17 minutes ago, CtrlAltDev93 said:

I used to have 2 Kotak CCs which I'd gotten with my salary account many years ago. Even after changing jobs I kept the account and the cards. But around last December or so they unilaterally cancelled my cards (wasn't a big deal for me though I'm concerned if/how it'll affect my credit score). I'd quit my job and was freelancing from home so I understood why they might cancel, but I'm no longer willing to bank with them. My other salary account is from HDFC and my new job also uses HDFC and ICICI. Since HDFC can't issue new credit cards rn, I'm contemplating asking my office to set up an ICICI account. But my understanding is that HDFC has better perks on their cards. So, I'm trying to choose between waiting for HDFC to get their sh*t together and get a CC or switch to ICICi. Which sounds better?  

Your salary account has nothing do with what credit card you can get. 

Link to comment
Share on other sites

2 minutes ago, Mr. Comingle said:

Your salary account has nothing do with what credit card you can get. 

I know it doesn't. I just didn't want to keep another bank account. I already use Federal Bank for my personal banking needs. Kotak people won't close my bank account until I physically go to the branch (which is hard ATM since I'm back in my hometown WFH), and I already have an HDFC account. Didn't see the benefit in keeping my HDFC account and opening an ICICI one, so I thought I'll pick one or the other.    

Link to comment
Share on other sites

9 minutes ago, CtrlAltDev93 said:

I know it doesn't. I just didn't want to keep another bank account. I already use Federal Bank for my personal banking needs. Kotak people won't close my bank account until I physically go to the branch (which is hard ATM since I'm back in my hometown WFH), and I already have an HDFC account. Didn't see the benefit in keeping my HDFC account and opening an ICICI one, so I thought I'll pick one or the other.    

You don't need to open a bank account to have a cc. That's what I meant. 

Link to comment
Share on other sites

10 hours ago, CtrlAltDev93 said:

Really? Financially illiterate so pardon the ignorance 

No you don't need to have bank account with every bank from where you want credit card. You can always create a netbanking account with bank for credit card only if you want . I am having more than 15 credit cards with multiple banks, for many I have not even registered for net banking. 

Link to comment
Share on other sites

13 minutes ago, hannibal09 said:

No you don't need to have bank account with every bank from where you want credit card. You can always create a netbanking account with bank for credit card only if you want . I am having more than 15 credit cards with multiple banks, for many I have not even registered for net banking. 

That's good to know, thanks! Signed up for the Amazon Pay ICICI Card last night after I asked here. Didn't think they'd do Video KYC at 1:30 am but I guess they do

Link to comment
Share on other sites

7 minutes ago, b!T said:

Guys, which credit card would you suggest mainly for fuel purchase? I travel a lot even in this corona time and pay a premium in fuel every month. Any card which provides decent cash backs or surcharge waiver?

 

You can use Amex Cards to buy HPCl pay cards through reward multiplier gyftr option, shall give upto 5X points 

 

Else load paytm using Citi app, limit of 1 lac per month. 

 

Else use Amex Platinum Charge card on any petrol pump and get 5 MR points per Rs 100. Prefer HP petrol pump due to no fuel surcharge. 

Edited by hannibal09
Spell edit
Link to comment
Share on other sites

3 minutes ago, hannibal09 said:

 

You can use Amex Cards to buy HPCl pay cards through reward multiplier gyftr option, shall give upto 5X points 

 

Else load paytm using Citi app, limit of 1 lac per month. 

 

Else use Amex Platinum Charge card on any petrol pump and get 5 MR points per Rs 100. Prefer HP petrol pump due to no fuel surcharge. 

 

Amex cards are not accepted in majority of the places here in Kerala. Mostly just visa/mc/rupay etc. 

 

Can you elaborate on this Paytm + citi thing?

Link to comment
Share on other sites

7 hours ago, b!T said:

 

Amex cards are not accepted in majority of the places here in Kerala. Mostly just visa/mc/rupay etc. 

 

Can you elaborate on this Paytm + citi thing?

You don't have to use Amex card on petrol pump, you can buy HP pay card from Amex reward multiplier website with Amex card. 

 

From Citi app, you can recharge paytm wallet using Citi cards for 1 lac per card 

  • Thanks 1
Link to comment
Share on other sites

21 hours ago, b!T said:

Guys, which credit card would you suggest mainly for fuel purchase? I travel a lot even in this corona time and pay a premium in fuel every month. Any card which provides decent cash backs or surcharge waiver?

SBI BPCL Platinum. around 5% cashaback . Can be used to reedem directly at BPCL outlets.

  • Thanks 1
Link to comment
Share on other sites

  • 3 weeks later...

I had been putting off getting a CC till now since I was eligible for a LTF Diner's Black.

But it looks like the ban on DB isn't gonna be lifted anytime soon.

 

So HDFC is offering me the puny Regalia as LTF instead.

Should I just get it for now and look for upgrade in future?

Or should I just apply for Amazon ICICI CC and use that for now?

 

Don't want to have multiple CCs and I am not sure if having a Regalia will be any better than having Amazon.

 

I don't have any need of a credit limit, will just shift regular expenses to the CC and build up points. A few purchases here and there to get the CC discount at best.

Link to comment
Share on other sites

Currently you get the same 5% cash back on HDFC cards on Amazon (through SmartBuy) that you get with the ICICI Amazon card. Use that till it works. ICICI Amazon card has no other real benefits. 

 

Wait till Diner's Black is available again if you are getting LTF, Regalia is still mid range compared to that. 

Link to comment
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Restore formatting

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

 Share

  • Recently Browsing   0 members

    No registered users viewing this page.

×
×
  • Create New...