nemo_online
Explorer
Ya I meant "foolish" in the philosophical sense that is there even something called "honest marketing/advertising?"
Credit card recommendations?
- Thread starter nemo_online
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- credit card purchase
Ssreek
Guide
If there’s honest advertising, we wouldn’t buy most of the productsYa I meant "foolish" in the philosophical sense that is there even something called "honest marketing/advertising?"
I have a regalia which i rarely use. Have been mainly using Amazon ICICI. Just got HDFC Tata Neu infinity because i buy a lot medicines from 1 MG
Is there any harm in getting multiple life time free cards. I just got zomato edition card because it's free and will get discounts on zomato. This is my fourth card. Regalia, tata neu card, Amazon icici and this.
Is there any harm in getting multiple life time free cards. I just got zomato edition card because it's free and will get discounts on zomato. This is my fourth card. Regalia, tata neu card, Amazon icici and this.
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nemo_online
Explorer
Random update: This might be a first but my wife was denied a Amazon Pay ICICI card. 
despite having a near-800 credit score.
despite having a near-800 credit score. enthusiast29
Innovator
A person with no or very little credit history has a high score by default. It must depend on her salary or job duration or other things such as average bank balance etc. I'm not 100% sure but there must be a reason.Random update: This might be a first but my wife was denied a Amazon Pay ICICI card.
Is Zomato card lifetime free?
App says first and second year free, not sure about annual fees after that.
nemo_online
Explorer
Agree with your points but she does have a loan against her name with a 100% repayment-on-time record.
Anyway, doesn't matter in the end. The lesser CCs, the better. Also, this credit score biz is again just corporate mumbo-jumbo according to me. In my parents time, the world worked just fine without credit cards which are nothing but just instruments of debt-traps for the middle class.
Wait for Axis Bank to offer a replacement card. Axis Bank has a iocl card of its own.
honest1
Guide
Have you given a thought about SBI Octane Card?
kalph09
Forerunner
I did. You get points for filing at BPCL outlets. Unfortunately, I don’t have those outlets through my everyday commute while I have 4-5 IOCL outlets on the same route.
Speaking of axis. Their edge points is terrible and expires. I have lost thousands of points for the last 10yrs. Therefore exploring cards that offer points on fuel + daily expenses.
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honest1
Guide
Got it.
For me, I use BPCL and I believe Octane card gives maximum value.
kalph09
Forerunner
Looks like am left with this only. How’s SBI’s support now? I have a savings account with them, it was always a hassle to sort any issues over the phone and end up visiting the branch.
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honest1
Guide
Its better now but not that will make you fall in love with them!
OMEGA44-XT
Herald
It isn't good. Had a case of CC fraud for my father (partly my father's fault as well), immediately flagged the transaction as fraud & blocked the CC. My father had auto-payment on, initially, they didn't deduct the money but after 2 months they did. So now 25k fraud transaction has been charged & many times it feels a bigger hassle to follow up with them.
Went for Axis FK CC for my father now.
I have limited experience with US banks when I was there for a few years. I will say all Indian banks have bad service, you have to live with best among the worst. I personally had issues with ICICI, HDFC & even Axis, SBI for sure as well. Unless you are 0.1% of the rich, doubt that you will get a good experience.
kalph09
Forerunner
Very true, have their Platinum travel card which is my primary for all spending except fuel due to poor acceptance. The Citi card filled that gap quite well, I have got about 25-27k worth of fuel free using their points for the last 6-7 years.
Has anyone here experienced the Stan Chart Super Value Titanium card? They have cash back on fuel, am assuming that mostly surcharge waiver with a monthly cap.
Super Value Titanium - Best Fuel Credit Card | SC India
Apply for Super Value Titanium credit card and earn 5% cashback on fuel spends, phone bills, utility bills & earn reward points on all other spends.
www.sc.com
honest1
Guide
Very true, have their Platinum travel card which is my primary for all spending except fuel due to poor acceptance. The Citi card filled that gap quite well, I have got about 25-27k worth of fuel free using their points for the last 6-7 years.
Has anyone here experienced the Stan Chart Super Value Titanium card? They have cash back on fuel, am assuming that mostly surcharge waiver with a monthly cap.
Super Value Titanium - Best Fuel Credit Card | SC India
Apply for Super Value Titanium credit card and earn 5% cashback on fuel spends, phone bills, utility bills & earn reward points on all other spends.
This makes it pretty much useless.
In my experience the CC companies give CC to people who cannot pay back their money on time. My friends all have platinum/gold etc cc and they never seem to be able to pay off the dues. They keep getting calls from one cc company to another every week for transferring their cc dues at zero% interest etc. Plus Axis Bank tried to force me to get their 4L credit card when I didn't even have a job. These CC companies are searching for bakras to make money. People who pay full credit on time are not their main clients.