PerkyNugget

Regarding Credit Cards

Hey fellow Viners! I’m a recent graduate and have just started my first job. I’m looking to understand which credit cards I’m eligible for and which ones would be the best fit for someone in my situation. Would love your suggestions!

22d ago

Talking product sense with Ridhi

9 min AI interview5 questions

ZippyBiscuit

Stealth22d

Don't get credit cards.

Burn what you have earned. Dumb points and discounts are not worth getting habituated to talking credit for the smallest of things.

PrancingMuffin

WS Atkins22d

DizzyBoba

Stealth22d

Lol

DizzyBoba

Stealth22d

Amazon pay icici

ltf, so no harm in getting it.

Airtel axis

10% flat upto 500 per month on zomato, swiggy, Bigbasket
25% flat upto 250 per month for airtel recharge/wifi bill payments
10% flat upto 250 per month for other bills

SBI cashback

for 5% on Amazon flipkart and most other things, you need to learn how to use this card.

HDFC Millenia / Regalia / Infinia

Based on your eligibility, if not eligible just get freedom / moneyback+ ltf for flipkart/amazon sales

HSBC Live +

10% flat up to 1000 for groceries per month

If you have traditional vehicles and spend > 5k on fuel per month overall, maybe one of
SBI BPCL Octane (can be used for sbi offers on Amazon / flipkart, does have rupay variant to use UPI to achieve spend criteria) IDFC First HPCL power plus (only rupay variant available) RBL IOCL card (If you have sbi cashback, you might not need a fuel card)

Kiwi neon rupay card for UPI

This way 95% of your spending will get at least 5% discount. I didn't include travel related because i have never been on a flight. Maybe someone else will.

DizzyBoba

Stealth22d

Most of these cards I suggested include spends that you will have to do regardless if you have a credit card or not(e.g. bills/groceries/fuel) so just make a promise to yourself, think of credit card as just a medium to pay, and never as "I want to get cashback so I must spend".

Also don't spend the money you don't have.