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?
Try Swiggy HDFC credit card
Considering you use for food orders most. It will be beneficial
BiryaniEnthu
Stealth
7 months ago
The spends tab is so relatable! 🙌
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
Whatsinthename
Stealth
7 months ago
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.
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 :)
DesignTinker
Stealth
7 months ago
Get any basic credit card with 0 fees.
Gob_Bluth
Student
7 months ago
Does those basic credit cards offer same discount on air fares?
Gumnaamhaikoi
Stealth
7 months ago
Onecard
@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
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Qwerty2398
Stealth
6 months ago
Don't buy one. Unless you are the owner of grapevine and you can pass GV expenses under the card.
If the mentioned expenses are the only major ones you have, then not worth it.
Noobita
Stealth
7 months ago
Get a allrounder card first.
Try to get it for 0 fees.
Amazon Pay ICICI is the best one here.
If you want something that works with UPI get the HDFC tata Neu play card(benefits of HDFC + Cashback on Tata Neu app, bought the Apple Watch series 9 effectively for 33k with this card).
Take HSBC Cashback Credit card as it gives 10% cashback on groceries, restraunts and food delivery on all merchants, capped at 1000Rs, unlimited 1.5% back on other categories. As you have mentioned only food & grocery spends, better to go for it. Hsbc also regularly runs offers related to flights and also gives one lounge access per quarter so good for you. It carries 1000 annual fee but according to your spends, you can easily recover it
HDFC Swiggy card is a good places to start with. Though it has a ₹500 joining fee, considering you order from Swiggy/Instamart a lot you’ll get 10% cashback upto ₹1500 per month (Also applies to Dineout payments).
So maximum cash back is like 18000 over a year? And this is over and above any other discount codes I may get?
Yes. The 10% cashback is capped at 1500 per month(18k per year). You’ll get the cashback in form of Swiggy money. So can only be used for spends in Swiggy.
Swiggy HDFC card is ideal for your use case. Also you get 5% cashback on platforms such as Amazon Flipkart, etc
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