JumpyWaffle
JumpyWaffle

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?

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FuzzyPickle
FuzzyPickle
Amazon13mo

Sbi simplyclick cashback card.

BubblyTaco
BubblyTaco

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

JumpyWaffle
JumpyWaffle

Thanks will check

GroovyPretzel
GroovyPretzel
Swiggy13mo

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

JumpyWaffle
JumpyWaffle

I tried getting one but never got the call for KYC

JumpyWalrus
JumpyWalrus

@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

JumpyWalrus
JumpyWalrus

SBI pulse Kotak Indian Oil. That's it

JumpyWaffle
JumpyWaffle

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

SparklyBurrito
SparklyBurrito

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.

JumpyWaffle
JumpyWaffle

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 :)

FluffyNugget
FluffyNugget
Plivo13mo

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

ZestyQuokka
ZestyQuokka

The spends tab is so relatable! 🙌

PeppyMarshmallow
PeppyMarshmallow

Get any basic credit card with 0 fees.

ZippyBiscuit
ZippyBiscuit

Does those basic credit cards offer same discount on air fares?

PerkyWalrus
PerkyWalrus
CARS2413mo

Not a fan of Zomato family?

JumpyWaffle
JumpyWaffle

I guess Swiggy just works really well in my area in. BLR

SnoozyWalrus
SnoozyWalrus

Buy HDFC Diners club / Infinia

JumpyWaffle
JumpyWaffle

What’s the requirement for Diners Club? I’ve heard only very high salary people get it

SnoozyWalrus
SnoozyWalrus

You can show your company books and claim for a card, you are one of the GV Founders na.

DancingQuokka
DancingQuokka

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).

JumpyWaffle
JumpyWaffle

So maximum cash back is like 18000 over a year? And this is over and above any other discount codes I may get?

DancingQuokka
DancingQuokka

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.

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