Need credit card suggestion

[shivamk]

Hi TFians

I need suggestions regarding credit cards for my father. Preferred are Rupay cards with some rewards for UPI spends since he primarily uses UPI. Any rewarding LTF cards or low spend fee waiver cards (non Rupay too) would be great too.

Current profile:
CIBIL: 750
Credit Cards: KCCB Kisan CC with 20L limit(1 Sub standard payment reported to CIBIL)
BNPL: Amazon Pay, Mobikwik
ITR: 4.5LPA approx.
Closed accounts: Car loan, Secured Overdraft and Business Loan
Savings Accounts: SBI, Indian Bank, Bank of India, Union Bank, BoB
Pin Code: 174303

P.S. Tata Neu might not be the best option since Big Basket doesn't work in my hometown.

Or should I get add-on cards against my cards. Some banks like AmEx/ICICI report to add on member's CIBIL as I know of.

 

[Pollex]

I think you should get him an add on for Apay first and foremost. For 1% offline spends with a simple cashback scheme.

 

[Vasuki]

Hi TFians

I need suggestions regarding credit cards for my father. Preferred are Rupay cards with some rewards for UPI spends since he primarily uses UPI. Any rewarding LTF cards or low spend fee waiver cards (non Rupay too) would be great too.

Current profile:
CIBIL: 750
Credit Cards: KCCB Kisan CC with 20L limit(1 Sub standard payment reported to CIBIL)
BNPL: Amazon Pay, Mobikwik
ITR: 4.5LPA approx.
Closed accounts: Car loan, Secured Overdraft and Business Loan

P.S. Tata Neu might not be the best option since Big Basket doesn't work in my hometown.

Or should I get add-on cards against my cards. Some banks like AmEx/ICICI report to add on member's CIBIL as I know of.

My portfolio:
ICICI Amazon Pay 7.5L LTF
ICICI Coral Rupay, Rubyx, Sapphiro 7.5 LTF
SBI Pulse 45k FYF
SBI Cashback 80k FYF
Axis MyZone 3.75L LTF

You want suggestions for father ..
Writing your cc list

Make it crisp too much information

Also pincode & saving account

 

[Cc_creditguy]

Bro my suggestions try addon account first then increase cibil then he can get so cards like icici rupay , pnb , indus, kiwi etc

 

[Pollex]

You should let us know what areas your dad usually spends on. And any insurance or other regular payments.

 

[shivamk]

You want suggestions for father ..
Writing your cc list

Make it crisp too much information

Also pincode & saving account

Updated, had mentioned my portfolio for add on card thing.

 

[shivamk]

Cool, will try getting him add on against my Rupay Coral so that he can use for UPI.

Bro my suggestions try addon account first then increase cibil then he can get so cards like icici rupay , pnb , indus, kiwi etc

 

[shivamk]

You should let us know what areas your dad usually spends on. And any insurance or other regular payments.

Mostly day to day UPI spends on groceries, fuel etc. No major regular payments as such.

For the fuel part I am thinking of using Pineperks Prepaid cards bought using my SBI CB for 4% back.

 

[Vasuki]

Hi TFians

I need suggestions regarding credit cards for my father. Preferred are Rupay cards with some rewards for UPI spends since he primarily uses UPI. Any rewarding LTF cards or low spend fee waiver cards (non Rupay too) would be great too.

Current profile:
CIBIL: 750
Credit Cards: KCCB Kisan CC with 20L limit(1 Sub standard payment reported to CIBIL)
BNPL: Amazon Pay, Mobikwik
ITR: 4.5LPA approx.
Closed accounts: Car loan, Secured Overdraft and Business Loan
Savings Accounts: SBI, Indian Bank, Bank of India, Union Bank
Pin Code: 174303

P.S. Tata Neu might not be the best option since Big Basket doesn't work in my hometown.

Or should I get add-on cards against my cards. Some banks like AmEx/ICICI report to add on member's CIBIL as I know of.

Try cc with home loan bank - 90% u will get

Isn't icici apay pre approved ?

Sbi Bpcl normal (rupay ) 50k sweet sbi card .(Don't expect return just for 10% ) .
Sbi cashback at 4.5 might be difficult

Try sbi offline



2- if service area - kotak Myntra would be best rupay rn ..no cap 1.25 % cashback

3 - try Bob card ..( long process )

4- if u want want ax-shit ..
Try ltf offer of Neo , myzone or try Airtel.


This should complete his basic profile.


For hdfc he is not eligible for millniea so u have to take money-back business..which is shit but still sweet

 

[shivamk]

Try cc with home loan bank - 90% u will get

No home loan, only card loan with KCCB which doesn't have CC

Isn't icici apay pre approved ?

Shows in Amazon App, not sure if it's pre-approved.

Sbi Bpcl normal (rupay ) 50k sweet sbi card .(Don't expect return just for 10% ) .
Sbi cashback at 4.5 might be difficult

Try sbi offline

Will try once

2- if service area - kotak Myntra would be best rupay rn ..no cap 1.25 % cashback

Nope, only a micro ATM here

3 - try Bob card ..( long process )

Oh I forgot he has a savings account with BoB and very actively uses it. Will try BoB

4- if u want want ax-shit ..
Try ltf offer of Neo , myzone or try Airtel.


This should complete his basic profile.

Nah, no Axis

For hdfc he is not eligible for millniea so u have to take money-back business..which is shit but still sweet

Will check MB as a backup if needed

 

[Vasuki]

No home loan, only card loan with KCCB which doesn't have CC

Shows in Amazon App, not sure if it's pre-approved.

Will try once

Nope, only a micro ATM here

Oh I forgot he has a savings account with BoB and very actively uses it. Will try BoB

Nah, no Axis

Will check MB as a backup if needed

Update after applying sbi & Bob ..
Will give u some tips for others

 

[shivamk]

Update after applying sbi & Bob ..
Will give u some tips for others

Ok boss, will do