Credit Cards Preference

[Saurabhjaiswal]

Dear All,

What is it that you see or want in your credit cards when you apply for one?
How much fees or NO fees would you be ok with in exchange of certain features you want in a credit card?

Please help me out with this research.

 

[Gaara]

Dear All,

What is it that you see or want in your credit cards when you apply for one?
How much fees or NO fees would you be ok with in exchange of certain features you want in a credit card?

Please help me out with this research.

Here's what I look for in a credit card:

• Sweet sign-up bonus: Gotta jumpstart those rewards!
• Clear terms: No hidden fees or confusing jargon, just transparency.
• Cashback: I prefer cashback over rewards. (Rewards are okey if there are no redemption fees!)
• Milestone Benefits: Reaching spending goals should come with extra perks.
• Annual fees? Maybe: Only if they unlock awesome benefits like airport lounges or travel insurance. Gotta feel like the fee is worth it, you know? Otherwise, no fee is the way to go.

 

[Vasuki]

Dear All,

What is it that you see or want in your credit cards when you apply for one?
How much fees or NO fees would you be ok with in exchange of certain features you want in a credit card?

Please help me out with this research.

Depends on stage of credit card journey you are & excitement of your

Question that u want to be a collector of cc or happy with 1-2 card .. so
Real thing is what u want & if u have doubt regarding Any specific bank or credit card
You can ask .

 

[Vasuki]

Here's what I look for in a credit card:

• Sweet sign-up bonus: Gotta jumpstart those rewards!
• Clear terms: No hidden fees or confusing jargon, just transparency.
• Cashback: I prefer cashback over rewards. (Rewards are okey if there are no redemption fees!)
• Milestone Benefits: Reaching spending goals should come with extra perks.
• Annual fees? Maybe: Only if they unlock awesome benefits like airport lounges or travel insurance. Gotta feel like the fee is worth it, you know? Otherwise, no fee is the way to go.

Good answer.
Its generic & Generalized answer regardless of bank & card .

 

[Gaara]

Depends on stage of credit card journey you are & excitement of your

Question that u want to be a collector of cc or happy with 1-2 card .. so
Real thing is what u want & if u have doubt regarding Any specific bank or credit card
You can ask .

Based on the way he phrased the question, it seemed as though he was conducting a survey to understand what features people desire in their credit cards, rather than seeking assistance in choosing a specific card.🧐

 

[Gaara]

Good answer.
Its generic & Generalized answer regardless of bank & card .

My credit card journey started with Kotak Urbane card, with modest reward rate of 0.3%. However, spending 1 lakh within a financial year unlocks milestone benefit of ₹1,000, effectively elevating the reward rate to 1.3%.
So, I Miss milestone benefits in the cards I own these days 🙁

 

[sidp]

@Saurabhjaiswal you can tell us which bank you are from. 😂

2 things that bug me is rewards redemption fee and minimum transaction value to earn rewards. Also nw matters a lot. Ready to pay little premium for visa/mc over amex/diners.

I also support minimum billing amount to access lounge. Some people abuse that. And because of that genuine users get stiffed. As long as it is in reasonable level, (5-10k monthly,) it's ok.

Cashback over rewards any day.

 

[techt]

What I see,

1. the CC must fit into my expense with no or minimal annual fee.
2. Rewards must be redeemed as cash or quasi cash like apay / tata neu coins.

thats all.

 

[NShah]

What I see,

1. the CC must fit into my expense with no or minimal annual fee.
2. Rewards must be redeemed as cash or quasi cash like apay / tata neu coins.

thats all

Is the MoneyBack Plus CC a good fit for your expenses?🤭

 

[techt]

Is the MoneyBack Plus CC a good fit for your expenses?🤭

Nope just a dormant. But again it keeps giving some GVs for some offers.

SBI CB + Axis ACE + Tata Neu Infinity + IDFC Wealth CC + ICICI Apay -------- > This panchamrutam is enough for me.

 

[Vasuki]

Is the MoneyBack Plus CC a good fit for your expenses?🤭

Great banger 😂😂

 

[sidp]

The s#it @techt Gets for mb.

 

[techt]

The s#it @techt Gets for mb.

He be like
View attachment 44798

Don't get that.

 

[sidp]

Don't get that.

It's a GOT reference. Anyway joke isn't funny if you explain it.

 

[deep@vie]

Dear All,

What is it that you see or want in your credit cards when you apply for one?
How much fees or NO fees would you be ok with in exchange of certain features you want in a credit card?

Please help me out with this research.

Brother, it has to be subjective e.g. someone not traveling much,what would he do with a card with unlimited lounges by paying 10k/15k.
Journal your spends & as per that get the cards which suits or spends.
It should give good rewards/cashback if not the highest in category.

 

[plastikman]

Cards are pokemons and we gotta catch em' all.

I prefer getting LTF cards which are useful for offers and 2-3 premium - super premium card that are worth paying for.

Such cards should be able to provide rewards as cb / miles, come with lounge visits for self and addon holders and also offer rps on offline spends.

 

[Saurabhjaiswal]

Based on the way he phrased the question, it seemed as though he was conducting a survey to understand what features people desire in their credit cards, rather than seeking assistance in choosing a specific card.🧐

Yes, Monika. I'm conducting a survey to understand what people prefer in general. I myself have a decent knowledge about credit cards and hold 10 of them from across banks.

 

[Saurabhjaiswal]

Brother, it has to be subjective e.g. someone not traveling much,what would he do with a card with unlimited lounges by paying 10k/15k.
Journal your spends & as per that get the cards which suits or spends.
It should give good rewards/cashback if not the highest in category.

Thanks @deep@vie. I'm conducting a survey and trying to understand what people prefer in credit cards. So, even if you can provide your rationale and preference for using them, that'd be of great help.

 

[Vasuki]

Yes, Monika. I'm conducting a survey to understand what people prefer in general. I myself have a decent knowledge about credit cards and hold 10 of them from across banks.

Thanks @deep@vie. I'm conducting a survey and trying to understand what people prefer in credit cards. So, even if you can provide your rationale and preference for using them, that'd be of great help.

For that open Poll type not just general question

 

[Saurabhjaiswal]

Depends on stage of credit card journey you are & excitement of your

Question that u want to be a collector of cc or happy with 1-2 card .. so
Real thing is what u want & if u have doubt regarding Any specific bank or credit card
You can ask .

Thanks. I'm just trying to understand and collect people's preferences and rationale for using credit cards.