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Micheal_Scott
Micheal_Scott
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?

8mo ago
GoldenHandcuff
GoldenHandcuff
Amazon8mo

Sbi simplyclick cashback card.

coala
coala
American Express8mo

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

Micheal_Scott
Micheal_Scott
Grapevine8mo

Thanks will check

Data_Nerd
Data_Nerd
Swiggy8mo

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

Micheal_Scott
Micheal_Scott
Grapevine8mo

I tried getting one but never got the call for KYC

Nobitaa
Nobitaa
Self Employed8mo

@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

Nobitaa
Nobitaa
Self Employed8mo

SBI pulse Kotak Indian Oil. That's it

Micheal_Scott
Micheal_Scott
Grapevine8mo

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

Whatsinthename
Whatsinthename
Stealth8mo

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.

Micheal_Scott
Micheal_Scott
Grapevine8mo

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 :)

FunnyBones
FunnyBones
Plivo8mo

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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