Credit Card - Help & Recommendations

[KunjanPSD]

49 minutes ago, El Tigre Chino said:

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. 

I don't have any CC rn.

Getting a Regalia would hamper the LTF Diner's offer? Because then I won't apply for Regalia.

 

Also how does Smartbuy work?

Just login to your Amazon account and then route from Smartbuy to Amazon?

Are there any limits to the cashback earned on DC/CC? Works on bill payments as well?

Haven't used Smartbuy before.

[El Tigre Chino]

On 8/30/2021 at 7:30 PM, KunjanPSD said:

I don't have any CC rn.

Getting a Regalia would hamper the LTF Diner's offer? Because then I won't apply for Regalia.

 

Also how does Smartbuy work?

Just login to your Amazon account and then route from Smartbuy to Amazon?

Are there any limits to the cashback earned on DC/CC? Works on bill payments as well?

Haven't used Smartbuy before.

You'll need to check with your RM for the regalia thing. When I had an upgrade I could pick only one of the two cards that I was eligible for.

 

For SmartBuy offer you have to go the Amazon / Flipkart page, put in your details and it'll redirect you to their affiliate linked page. From there onwards add stuff to you card and checkout for it to be tracked. Check this out (https://offers.smartbuy.hdfcbank.com/). Works with debit cards too I think.

[Lazyboy8134]

For HDFC cards, do the offers on tech products come only for Regalia and above or comes even for their basic cards?

 

Also how is the credit card from slice? The sliceit card or something

Edited September 2, 2021 by Lazyboy8134

[KunjanPSD]

Just now, Lazyboy8134 said:

For HDFC cards, do the offers on tech products come only for Regalia and above or comes even for their basic cards?

Discount offers are applicable to all CCs.

Only very rarely there are offers which cap the discount for different cards.

Generally you will find discounts on Amazon/FK applicable to every CC.

[Walker]

So I pulled up my credit report just because. And everything was right except for one thing. My f**king name. First Name and Last Name were absolutely spot on, and because we live in a f**ked up world, someone has decided that was not enough and has added the totally sensible extra name of MOHAN. Why? IDK. I know no one named MOHAN, no relatives, friends or acquaintances. Just someone thought I needed to have an extra name added in there. Oh well. MOHAN. Yeah that's me now for some reason.

 

PS: Already flagged and logged a dispute so I'll hopefully not have MOHAN attached to my name in a couple of months. 

 

Thanks and Regards,

Not MOHAN

[Bird Bird Bird]

5 hours ago, Walker said:

So I pulled up my credit report just because. And everything was right except for one thing. My f**king name. First Name and Last Name were absolutely spot on, and because we live in a f**ked up world, someone has decided that was not enough and has added the totally sensible extra name of MOHAN. Why? IDK. I know no one named MOHAN, no relatives, friends or acquaintances. Just someone thought I needed to have an extra name added in there. Oh well. MOHAN. Yeah that's me now for some reason.

 

PS: Already flagged and logged a dispute so I'll hopefully not have MOHAN attached to my name in a couple of months. 

 

Thanks and Regards,

Not MOHAN

 

I've never got a positive dispute resolution from CIBIL in all these years. Best of luck, faux MOHAN. 

[Bird Bird Bird]

 

Pretty dope offer from AMEX. I think the charge cards get upto 100% CB (with a higher limit).

 

Before anyone asks, already got all CB. 

[KunjanPSD]

13 minutes ago, Bird Bird Bird said:

 

Pretty dope offer from AMEX. I think the charge cards get upto 100% CB (with a higher limit).

 

Before anyone asks, already got all CB. 

Is this flat cashback on any purchase?

[Walker]

On 9/15/2021 at 6:58 AM, Bird Bird Bird said:

 

I've never got a positive dispute resolution from CIBIL in all these years. Best of luck, faux MOHAN. 

And got an update. Name's been updated correctly. Unexpected but I'm happy.

[Bird Bird Bird]

5 minutes ago, Walker said:

And got an update. Name's been updated correctly. Unexpected but I'm happy.

 

Superb ! Unexpected, but superb. 

[playstationdude]

On 9/15/2021 at 1:32 AM, Walker said:

So I pulled up my credit report just because. And everything was right except for one thing. My f**king name. First Name and Last Name were absolutely spot on, and because we live in a f**ked up world, someone has decided that was not enough and has added the totally sensible extra name of MOHAN. Why? IDK. I know no one named MOHAN, no relatives, friends or acquaintances. Just someone thought I needed to have an extra name added in there. Oh well. MOHAN. Yeah that's me now for some reason.

 

PS: Already flagged and logged a dispute so I'll hopefully not have MOHAN attached to my name in a couple of months. 

 

Thanks and Regards,

Not MOHAN

Stfu. You are Mohan and you will like it.

[b!T]

On 9/16/2021 at 10:45 PM, Walker said:

And got an update. Name's been updated correctly. Unexpected but I'm happy.

 

Good for you, Mohan. Good for you!

[Aercy]

Currently using the following cards

1. Axis Select CC [Primary card, gonna continue]
2. Axis Neo CC [Drop/Replace]
3. Amazon-ICICI CC [Keep]
4. Flipkart-Axis CC [Keep]
5. SBI SimplySave CC [Drop/Replace]

Thinking of dropping/replacing a few. Considering HDFC, IndusInd Bank. Credit Rating has not taken any hit as I manage spending well. I don't think its wise to use/keep too many cards, but not sure how many are 'too many'.

 

So, asking for suggestions on ...

 

1) How many are too many?

2) If 4-5 are acceptable, which card should I consider? 

[El Tigre Chino]

As long as you aren't opening it within a short timespan I think you should be fine. Don't take my word for it though. 

 

HDFC + ICICI Amazon is a good card to have for sales. Also Regalia is decent for lounge access at airports if you're traveling.

 

See what benefits the other cards offer and if they are relevant to you when taking a call.

[Aercy]

40 minutes ago, El Tigre Chino said:

As long as you aren't opening it within a short timespan I think you should be fine. Don't take my word for it though. 

 

HDFC + ICICI Amazon is a good card to have for sales. Also Regalia is decent for lounge access at airports if you're traveling.

 

See what benefits the other cards offer and if they are relevant to you when taking a call.

Don’t travel, mostly looking for online and retail card offers. HDFC gives offer on apple  stuff a lot which I miss out, but not sure about their hidden charges and overall experience. My experience with Axis is amazing.

[hussain]

Guys, I’m looking for a good fuel credit card. I tried getting the citi bank indian oil card but I’m not a salaried employee I’m a freelancer so they rejected the application. 
 

do you guys know which one I can get ?

[LordSpymaster]

What advantages do we get on a fuel cc?

[OnlyConsultant]

On 9/26/2021 at 10:55 AM, LordSpymaster said:

What advantages do we get on a fuel cc?

around 3-5% cashback on fuel spends. 

apart from that some may carry 1-2 lounge access.

[OnlyConsultant]

On 9/26/2021 at 9:53 AM, hussain said:

do you guys know which one I can get ?

Check this : Link outside forum

 

[OnlyConsultant]

@Aercyhow do you use axis select? what benefits you specifically use that make it primary?

You can replace SBI SimplySave with SimplyClick, 1.25% cashback in form of amazon voucher for online spends (excluding wallet) and 2.5% on amazon.
Will allow you to use SBI Bank offers too. 

If income is greater than 24lpa, then I would advise Diners Club Black- 3.3% value in form of vouchers, 16% on gift vouchers of amazon, flipkart using hdfc smartbuy.