Best Rupay Add-on card for wife

[CoolGeek]

******Update*******
I got IndusInd Platinum Rupay LTF credit card (add-on card) for my wife, and it worked for her UPI number too. It's a decent card with 0.7% return for UPI

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Hi Everyone,
I have a Tata Neu rupay card, which I use for UPI payments. My wife just started a company (and its not making any revenue), and she does not have any credit cards. She also spends on UPI when I am not there. Hdfc does not allow us to add Add-on card to her mobile UPI.
So I want to know the best Rupay credit card (with a good cashback rate) that I can apply in my name, and then I can apply for a free add-on card for my wife, which can be added to her mobile number UPI.

 

[Desu Sarath]

If she has ICICI account, She can apply for Rupay card. ICICI is offering LTF

 

[CoolGeek]

If she has ICICI account, She can apply for Rupay card. ICICI is offering LTF

No, she has HDFC savings account, HDFC & IDFC current accounts (for her business)

 

[Vasuki]

Hi Everyone,
I have a Tata Neu rupay card, which I use for UPI payments. My wife just started a company (and its not making any revenue), and she does not have any credit cards. She also spends on UPI when I am not there. Hdfc does not allow us to add Add-on card to her mobile UPI.
So I want to know the best Rupay credit card (with a good cashback rate) that I can apply in my name, and then I can apply for a free add-on card for my wife, which can be added to her mobile number UPI.

Whats your credit card profile

 

[CoolGeek]

Whats your credit card profile

I presume you are asking about the list of cards I have. I don't have any Rupay card except Tata Neu Infinity. I have around 10+ cards...Amex Trifecta, BoB eterna, SBI cashback, ICICI HPCL, IDFC wealth, IndusInd Legend, Hdfc diners. Can she get any Rupay card, from my profile/guarantee, or any FD that she can have.

 

[MrJJ]

I presume you are asking about the list of cards I have. I don't have any Rupay card except Tata Neu Infinity. I have around 10+ cards...Amex Trifecta, BoB eterna, SBI cashback, ICICI HPCL, IDFC wealth, IndusInd Legend, Hdfc diners. Can she get any Rupay card, from my profile/guarantee, or any FD that she can have.

Well if she can do fd then PNB offers Rupay Card against FD.
Paisabazar stepup card is also a Rupay Card from SBM but it only works with Payzapp and Freecharge.

 

[CoolGeek]

Well if she can do fd then PNB offers Rupay Card against FD.
Paisabazar stepup card is also a Rupay Card from SBM but it only works with Payzapp and Freecharge.

Ok PNB could be an option...any other way?

 

[CoolGeek]

I can also apply for a new credit card in my name, if add-on card can be added to her UPI mobile number

 

[Vasuki]

I presume you are asking about the list of cards I have. I don't have any Rupay card except Tata Neu Infinity. I have around 10+ cards...Amex Trifecta, BoB eterna, SBI cashback, ICICI HPCL, IDFC wealth, IndusInd Legend, Hdfc diners. Can she get any Rupay card, from my profile/guarantee, or any FD that she can have.

Well for Quick remedies.
You can either change number just for cc in Axis, bob , idfc or icici even hdfc & give her your Rupay card.
Only con is new number will be added to cibil ( never a problem) .

For long term.
If u have banking program in idfc , axis or hdfc .u can add her .

If u don't you can open her a Hdfc Saving max account with 2-3 lakh or even 1+ lakh to maintain for 3 month & she will get cc from hdfc
( Just don't accept low end card & low end limit from hdfc)

Or if u can do if & want cc soon 🔜
Go to ICICI . Do 1 lakh Fd or 1.5 lakh
Get coral rupay card fd based .
In 3 month u can apply Apay form amazon & 100% it will be approved around same limit ..
Then u can close the fd card 😄

Don't go for Paisa bazar, kotak , one card or even idfc card ..
Those are for people who want to build credit card with low investment.

 

[Vasuki]

I can also apply for a new credit card in my name, if add-on card can be added to her UPI mobile number

Get icici coral rupay, & add her number
Even idfc virtual rupay card & add her number

Do it prior to activation of upi ( not card)

 

[timva]

If I apply an add on card for my Coral Rupay and give it to my father, will he be able to use upi on his number?

 

[MrJJ]

If I apply an add on card for my Coral Rupay and give it to my father, will he be able to use upi on his number?

Only the number registered with CC can be used to register UPI.

 

[Vasuki]

If I apply an add on card for my Coral Rupay and give it to my father, will he be able to use upi on his number?

Yes
And yes

 

[CoolGeek]

Well for Quick remedies.
You can either change number just for cc in Axis, bob , idfc or icici even hdfc & give her your Rupay card.
Only con is new number will be added to cibil ( never a problem) .

For long term.
If u have banking program in idfc , axis or hdfc .u can add her .

If u don't you can open her a Hdfc Saving max account with 2-3 lakh or even 1+ lakh to maintain for 3 month & she will get cc from hdfc
( Just don't accept low end card & low end limit from hdfc)

Or if u can do if & want cc soon 🔜
Go to ICICI . Do 1 lakh Fd or 1.5 lakh
Get coral rupay card fd based .
In 3 month u can apply Apay form amazon & 100% it will be approved around same limit ..
Then u can close the fd card 😄

Don't go for Paisa bazar, kotak , one card or even idfc card ..
Those are for people who want to build credit card with low investment.

We both have Hdfc accounts (salary accounts). Which hdfc rupay card would you suggest? Or if it's Idfc, Axis, which card would you suggest?

 

[MrJJ]

We both have Hdfc accounts (salary accounts). Which hdfc rupay card would you suggest? Or if it's Idfc, Axis, which card would you suggest?

For HDFC I would suggest install Payzapp do some bill payments and you will get pre-approved offer in the app.

 

[D₹V]

Hi Everyone,
I have a Tata Neu rupay card, which I use for UPI payments. My wife just started a company (and its not making any revenue), and she does not have any credit cards. She also spends on UPI when I am not there. Hdfc does not allow us to add Add-on card to her mobile UPI.
So I want to know the best Rupay credit card (with a good cashback rate) that I can apply in my name, and then I can apply for a free add-on card for my wife, which can be added to her mobile number UPI.

Apply her Kotak Myntra RuPay Select Credit Card.

No income proof required. It has annual fees but you'll Myntra GV worth 1000₹ to reimburse it.

And 1.25% cashback on UPI txns above 2k.

Make sure Kotak is serviceable at your pincode.

Once you get a credit card, getting other cards will be easier.

Hope it answers your query, you can mark my answer as solution by clicking best answer ☑️ button below my reply.

 

[Vasuki]

Apply her Kotak Myntra RuPay Select Credit Card.

No income proof required. It has annual fees but you'll Myntra GV worth 1000₹ to reimburse it.

And 1.25% cashback on UPI txns above 2k.

Make sure Kotak is serviceable at your pincode.

Once you get a credit card, getting other cards will be easier.

Hope it answers your query, you can mark my answer as solution by clicking best answer ☑️ button below my reply.

Max limit is 5 k per transaction upi

 

[Vasuki]

We both have Hdfc accounts (salary accounts). Which hdfc rupay card would you suggest? Or if it's Idfc, Axis, which card would you suggest?

Then apply for hdfc bank cc via bank .
Via salary slip
Hdfc( tata neu is best ) but get Millniea/ regalia as core card then rupay card . Thinking long term

As for. Sharing .
Axis iocl is good . ( U can get any axis card & iocl u can get on same limit just with call )
Idfc - power + , digital card rupay

 

[CoolGeek]

Then apply for hdfc bank cc via bank .
Via salary slip
Hdfc( tata neu is best ) but get Millniea/ regalia as core card then rupay card . Thinking long term

As for. Sharing .
Axis iocl is good . ( U can get any axis card & iocl u can get on same limit just with call )
Idfc - power + , digital card rupay

Since you said apply with salary slip, not sure if you have got the context. She is not working, and has no credit card, so no question of salary slip for get. Can I apply for her through my salary slip (don't think so). Or if i get the card, will add on card will have her mobile number in UPI.. Not happening with HDFC

 

[Vasuki]

Since you said apply with salary slip, not sure if you have got the context. She is not working, and has no credit card, so no question of salary slip for get. Can I apply for her through my salary slip (don't think so). Or if i get the card, will add on card will have her mobile number in UPI.. Not happening with HDFC

Ok okie
To sum up:-
1- Really short term - Give her one of your cc ( one bank ) by changing to her number so she can use cc right away .
Or if u have any axis card - take IOCL card from axis & get her Add on card ( very easy process)
Or Give her Idfc rupay u will get it too ( another Rupay just by a call ( ask from customer care with link of digital rupay card or power + rupay card )


For her cibil profile -
Just maintain 1+ lakh on Hdfc .
by march / april she will get credited card.
More you maintain in hdfc more type of pre approved offer u will get .
Please never select self employed
If u have business - please show as Employed in same business as any post of ur liking hehe)

If u have another lakh - Get 1+ lakh fd Coral rupay or if coral(500+gst) is not rupay ..
Get Platinum chip card( ltf)
In 3-6 month she will get Apay with same kinda limit.
When she apply .
Amazon & her number (bank ) should be same .
Then u can cancel platinum fd based .
And get Platinum chip card unsecured via X route ( u will know from here)
Then its easy .

For axis - if u have more lakh for initial funding to bank
U can always negotiate with bank to get a credit card if u open With large funding.

ASK BANK u will get ..

I hope this sums up