Rupay credit cards on shared limit

[Ram1]

Hello,
I am looking for rupay credit cards on shared limit to existing credit card.
It should not report as new card in cibil.
Please suggest which banks offer like that

I have Normal ccs from icici, axis, sbi, yesbank, federal, hdfc, indusind, kotak, rbl, hsbc, scb, amex

 

[P B R G]

I can confirm this. I have platinum, amazon and coral. Only platinum and amazon are reported. I get only two statements i.e, one for platinum & coral combined (platinum card statement) and another for amazon.

I also have Platinum, Apay and Coral. All three cards are reported as separate account even though limit is shared. I get three different statements for each card.

 

[Ram1]

I also have Platinum, Apay and Coral. All three cards are reported as separate account even though limit is shared. I get three different statements for each card.

Yeah my mother's cards also showing separate

 

[Anil_Singh]

I also have Platinum, Apay and Coral. All three cards are reported as separate account even though limit is shared. I get three different statements for each card.

Strange. You got cards recently or old cards like 2-3 years old?

 

[cardy]

I also have Platinum, Apay and Coral. All three cards are reported as separate account even though limit is shared. I get three different statements for each card.

That's strange 😕

 

[P B R G]

Strange. You got cards recently or old cards like 2-3 years old?

Platinum - Nov 2022
Apay - September 2023
Coral - October 2023

Platinum is a secured card, so that could be the reason for separate accounts, not sure though.

@Ram1 Does your mother own any credit cards that are secured?

 

[Ram1]

Platinum - Nov 2022
Apay - September 2023
Coral - October 2023

Platinum is a secured card, so that could be the reason for separate accounts, not sure though.

@Ram1 Does your mother own any credit cards that are secured?

No, unsecured only.
First coral visa preapproved.
After a year, i applied rupay cc in imobile app.
Both are getting separate statements

 

[cardy]

No, unsecured only.
First coral visa preapproved.
After a year, i applied rupay cc in imobile app.
Both are getting separate statements

Something new addition
Generally it's not seen

 

[Ram1]

Something new addition
Generally it's not seen

Yeah whereas for my icici,
Coral visa, saphiro MC&amex, saphiro visa, all 3 variants getting single statement and single account in cibil

Something new addition
Generally it's not seen

 

[vega]

Its not satirical post bro.
If I had idfc i would have taken already.
I already mentioned my cards above.
My intention is to know like idfc, there might some other banks, which merges rupay with primary card without opening a separate account in cibil.
Hope experienced people say if there is any possibility in other banks.

I second everyone who recommended icici rupay.

Icici reports all its core cards in one account. As you have mentioned otherwise in case of your mother, I would suggest get it corrected. It's a fringe case that has happened with you.

 

[Ram1]

I second everyone who recommended icici rupay.

Icici reports all its core cards in one account. As you have mentioned otherwise in case of your mother, I would suggest get it corrected. It's a fringe case that has happened with you.

I don't think they would merge separate accounts into one. I don't have any complaints on my mom account.
I don't want to take risk with icici on my account. Already too many cards, too many accs in cibil. Looking for other banks feedbacks from tf community.

 

[Ram1]

I don't think they would merge separate accounts into one. I don't have any complaints on my mom account.
I don't want to take risk with icici on my account. Already too many cards, too many accs in cibil. Looking for other banks feedbacks from tf community.

So far i knew
Icici - separate/merge depends on luck
Hdfc - separate
Idfc - merge
Yesbank - Separate
Axis - separate
Can anyone comment on other banks?

 

[Trust Me]

Icici - separate/merge depends on luck

I'm a bit confused. ICICI clearly specified to me that multiple cards from them share a common limit.

 

[vega]

I don't think they would merge separate accounts into one. I don't have any complaints on my mom account.
I don't want to take risk with icici on my account. Already too many cards, too many accs in cibil. Looking for other banks feedbacks from tf community.

Do all cards from icici(reported separately) have separate limit? If limit is separate, it's a novelty of icici. If limit merged, it's incongruity.

 

[Ram1]

Do all cards from icici(reported separately) have separate limit? If limit is separate, it's a novelty of icici. If limit merged, it's incongruity.

Its not new na, all major banks like axis, hdfc doing same