Idfc vs Indusind which is more useless

[asahi]

I opened aura edge Visa Platinum card (comparing other indusind cards), after having it for like 10 days it felt it’s one of the most useless card, No use whatsoever(No sale offers no proper discounts on food delivery etc etc). I closed it within one month.

Then comes Idfc cards tight competition to IndusInd cards(based on my personal experience/requirement).

I opened select card after few days i realised its useless for me, so I closed it & opted for power card, which is slightly uselfull for me(upi,Swiggy offer). Biggest disappointment is, its a paid card but still i have to pay rewards redemption fee even for gift cards. I’ll close it soon

Irony is I felt very bad when these 2 banks rejected my card application 1 year back, but now I am regretting for getting these cards.

 

[SpiesCan'tCatchMe]

apply tiger they have lounge benefits

Ohh you were talking about indusind cc I thought you replied to @D₹V that apply tiger (balm) 😂😂

 

[D₹V]

Ohh you were talking about indusind cc I thought you replied to @D₹V that apply tiger (balm) 😂😂

Never heard of this balm 😂

 

[aayusharyan]

I opened aura edge Visa Platinum card (comparing other indusind cards), after having it for like 10 days it felt it’s one of the most useless card, No use whatsoever(No sale offers no proper discounts on food delivery etc etc). I closed it within one month.

Then comes Idfc cards tight competition to IndusInd cards(based on my personal experience/requirement).

I opened select card after few days i realised its useless for me, so I closed it & opted for power card, which is slightly uselfull for me(upi,Swiggy offer). Biggest disappointment is, its a paid card but still i have to pay rewards redemption fee even for gift cards. I’ll close it soon

Irony is I felt very bad when these 2 banks rejected my card application 1 year back, but now I am regretting for getting these cards.

If they are LTF, then why close them?

 

[aayusharyan]

Never heard of this balm 😂

Brooo, really?
It's very popular. In my last thailand trip, people explicitly asked me to get Tiger Balm. lol

 

[D₹V]

If they are LTF, then why close them?

Because it increases DTI Ratio unnecessarily & lenders like SBI reject cards.

 

[D₹V]

Brooo, really?
It's very popular. In my last thailand trip, people explicitly asked me to get Tiger Balm. lol

Really bro 😜.

So it is related to Thailand massage, right?

 

[aayusharyan]

Because it increases DTI Ratio unnecessarily & lenders like SBI reject cards.

Ahhh, that is true. With my recent experience. I now recommend people to get SBI Card first as later it will be very difficult.

 

[RishiKiDev]

Because it increases DTI Ratio unnecessarily & lenders like SBI reject cards.

@aayusharyan maybe you're getting rejected for SBI due to this only

 

[aayusharyan]

Really bro 😜.

So it is related ot Thailand massage, right?

Hahaha, I mean it has various purposes.
But it's a good balm. Really, helps in muscle cramps.

 

[RishiKiDev]

Really bro 😜.

So it is related ot Thailand massage, right?

Arey kuch nahi ye videshi zandu balm hai.

 

[aayusharyan]

@aayusharyan maybe you're getting rejected for SBI due to this only

Yes yes, I am aware of that. SBI person told me after I cited the RBI guidelines to them. After rejection.
Story here. 👇🏻

Banks should give clear reason for application denial

I got a mail from SBI that said, Thank you for showing interest in SBI Credit Card. While processing your credit card application for issuance of SBI Credit card, we observed that unfortunately, you do not meet the age eligibility criteria set forth in our internal policy. We, therefore, regret...

www.technofino.in

 

[D₹V]

Arey kuch nahi ye videshi zandu balm hai.

Ohh 😮 now I see 😂.

 

[RishiKiDev]

Yes yes, I am aware of that. SBI person told me after I cited the RBI guidelines to them. After rejection.
Story here. 👇🏻

Banks should give clear reason for application denial

I got a mail from SBI that said, Thank you for showing interest in SBI Credit Card. While processing your credit card application for issuance of SBI Credit card, we observed that unfortunately, you do not meet the age eligibility criteria set forth in our internal policy. We, therefore, regret...

www.technofino.in

Thank God I got my SBI Cards in the beginning. 😅

 

[aayusharyan]

Thank God I got my SBI Cards in the beginning. 😅

Yeah, you lucky. I wish I had known that before. 🤷🏻‍♂️

 

[D₹V]

Thank God I got my SBI Cards in the beginning. 😅

Yeah.

I'm still finding ways to get one

 

[RishiKiDev]

Yeah, you lucky. I wish I had known that before. 🤷🏻‍♂️

I mean how could you not take SBI card, their agents were selling it like gutka everywhere. 😂

 

[aayusharyan]

I opened aura edge Visa Platinum card (comparing other indusind cards), after having it for like 10 days it felt it’s one of the most useless card, No use whatsoever(No sale offers no proper discounts on food delivery etc etc). I closed it within one month.

Then comes Idfc cards tight competition to IndusInd cards(based on my personal experience/requirement).

I opened select card after few days i realised its useless for me, so I closed it & opted for power card, which is slightly uselfull for me(upi,Swiggy offer). Biggest disappointment is, its a paid card but still i have to pay rewards redemption fee even for gift cards. I’ll close it soon

Irony is I felt very bad when these 2 banks rejected my card application 1 year back, but now I am regretting for getting these cards.

Anyway, coming back to OPs question. With my experience of holding both. Indus is more useful because I was able to upgrade to Pinnacle LTF. But with IDFC, I am still at Select and not able to upgrade to Wealth yet.
Maybe after upgrade my response would change, but in your situation, Indus has better chance of giving upgrades.

 

[RishiKiDev]

Anyway, coming back to OPs question. With my experience of holding both. Indus is more useful because I was able to upgrade to Pinnacle LTF. But with IDFC, I am still at Select and not able to upgrade to Wealth yet.
Maybe after upgrade my response would change, but in your situation, Indus has better chance of giving upgrades.

How much limit have you got on your IDFC?

 

[aayusharyan]

Yeah.

I'm still finding ways to get one

@D₹V to SBI employees for CC issuance be like:

 

[aayusharyan]

I mean how could you not take SBI card, their agents were selling it like gutka everywhere. 😂

I know, I just was not into CC game back then. 🙈