Credit Card recommendation
What's a good credit card for someone that'll start working soon? Expenses would mostly be electronics, and food
Fair warning about HDFC credit cards… they don’t report credit limit to cibil. Cibil takes maximum amount due ever as ur credit limit. So as a starter credit card HDFC may not be good for ur credit score.
TiredFold30
Stealth
a year ago
I think this is what happening to my account.
Any way we can report to cibil from our side?
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TiredFold30
Stealth
a year ago
Hdfc millenia is a good one for starting out
ProteinPancakes
Stealth
a year ago
ICICI Amazon Cashback card is quite good
Thincrust
Stealth
a year ago
You can get HDFC regalia first card easily. Others mostly reject due to salary constraints
RapidHaunt95
Stealth
a year ago
I don't think you can get regalia that easily.. mostly entry level card for hdfc will be moneyback card..
Thincrust
Stealth
a year ago
Regalia is different and regalia first is the other one - I got it without much hassle.
Yeah agree with most here - HDFC has one of the best spend-to-points conversion (gets better as higher up you go on their card list)
You can check out Axis cards as well - they typically have some discounts running with food delivery companies + have a perpetual 40% off tie-up with Eazydiner on dining outside
Below cards work if you just use them for needs
Online - SBI Cashback
Offline - Axis Ace/ Flipkart
But if you spend 80k+ per month consistently, then get the premium ones like Magnus, Infinia etc
SoftApp38
Stealth
a year ago
Axis Bank/Flipkart card: 5% cashback on all flipkart, Myntra,ajio (there are a few more)
4% cashback on all swiggy purchases
1.5% cashback on offline purchases
Learner2504
Stealth
a year ago
I would say No Credit card if you are going to start working soon
Learner2504
Stealth
a year ago
I feel when you just enter workforce, you seldom have any financial knowledge and by getting credit card you end up making unwanted purchases and fall in the debt trap....so I feel it's better to get a credit card may be after 3 years of work experience
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It completely depends on what you spend your money on. If you're someone who shops via amazon or Flipkart a lot, then get Amazon ICICI or Axis Flipkart. If you do frequent travels then get one with cashbacks on air tickets ans lounge access.
I personally have HDFC Millenia as it offers best all world's and my sis has Amazon ICICI one which I use when doing online shopping.
