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JumpyWaffle
JumpyWaffle
Grapevine

Viners please help I’ve never owned a Credit Card. What should be my first one?

Main spends: Food from Swiggy (quite a lot) Groceries from Instamart/Zepto One flight round trip per quarter to home Going out for food maybe once a week

Any advice? How do I approach this?

9mo ago
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FuzzyPickle
FuzzyPickle
Amazon9mo

Sbi simplyclick cashback card.

BubblyTaco
BubblyTaco
Zomato9mo

simplysave is better though, rupay card more or less same benifit

JumpyWaffle
JumpyWaffle
Grapevine9mo

Thanks will check

GroovyPretzel
GroovyPretzel
Swiggy9mo

Try Swiggy HDFC credit card
Considering you use for food orders most. It will be beneficial

JumpyWaffle
JumpyWaffle
Grapevine9mo

I tried getting one but never got the call for KYC

JumpyWalrus
JumpyWalrus
Stealth9mo

@Micheal_Scott -
my dad uses these.

SBI IRCTC Axis Flipkart Axis privilege Axis Neo RBL Bajaj finserve SBI simply save IDFC first select RBL lazypay Hdfc millenia Yes Bank prosperity business

JumpyWalrus
JumpyWalrus
Stealth9mo

SBI pulse Kotak Indian Oil. That's it

JumpyWaffle
JumpyWaffle
Grapevine9mo

Woah! Managing so many CCs must be a task in itself

SparklyBurrito
SparklyBurrito
Stealth9mo

Unpopular advice - Stop ordering so much from swiggy , not good for health.

Credit card - You can try IDFC Wealth card, HSBC cashback card, Citi Rewards. Always go for LTF if not a big spender.

JumpyWaffle
JumpyWaffle
Grapevine9mo

Haha thanks for the advice. I tend to agree generally eating out is not so good for health but I also mostly order very healthy stuff. I’ve eaten outside food for 3-4 years now and generally been healthy. It’s a habit from my time living in the US and working in a company that provides food

Hear you on the CC advice :)

FluffyNugget
FluffyNugget
Plivo9mo

Ask in Technofino community. Icici amazonpay would be an all rounder card & good start I think. Then u can optimise per category unless u can get premium cards like Infinia. If spends are mostly online then maybe SBI/HSBC cashback

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Suggest me a good credit card

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Credit Card Recos Grapeviners

Spend around 10k on flights, 10k on dining out+swiggy, utility bills around 5k, shopping around 10k. Good credit card recos. I would love to get flight redemption points.

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Credit Card recommendations

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  1. cashback/discount on flight tickets(lounge access not a priority)
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