Got 7th credit card approved , Edge CSB rupay card on Jupiter, with 2,50,000 limit...
I was scrolling fb , saw the ad , applied and it got approved... It was lifetime free so i went ahead without much thinking...
Now , my total credit cards are 7 with total limit of rs. 10,25,000...
My cards list...
1. Axis kiwi
2. Axis Airtel
3. icici coral rupay
4. icici amazon pay
5. Hdfc tata neu plus
6. Yes uni nx wave
7. Edge csb rupay
All are Lifetime free except axis airtel...
Thanks for reading, any questions are welcomed...🤗 🏻 🏻
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csb card sabsa ghatiya card ha
Free h , pada rhega , konsa jeb se kuch ja rha h...
Too many co branded cards. Try to get core cards bro. These co branded cards don't have any future except Airtel and Amazon pay.
me wese hdfc millenia soch rha hu ya fir sbi cashback... But abi hdfc de nh rha h...
Congrats man 👍🏼 I have never heard of CSB bank before.
@Gulag-Survivor Thanks bro, ye fintech wale card h, ek saal se waiting chal rha h inka , ye h , uni wave h ,but mera without waiting ek bar me approve hogya, people are still waiting... 🏻
Did you apply on Jupiter app? You did not mention benefits?
@Imperial_Penny yes on the jupiter app...
They have three categories - travel , shopping and dining...
u can activate any1 for three months to get 2% cashback, and on all other transactions u will get 0.4% cashback...
After 3 months u can changed the category...
U will get cashback in the form of jewels , where 10 jewels equals to rs. 2 per 100 rupees transaction equivalent to 2% cashback...
Plus u get 250 rs. Voucher on making a transaction of rs. 2000 in the first 30 days from the app...
Kongrats! For some reason, I am banned from applying for this CC, always showing "Not eligible" for last 2 centuries
@some1anywhere don't loose hope, mene to esi hi apply kr dia tha, aur hogya...
Keep trying...
And thanks 🏻
I have already secured onecard
Federal not provide 2nd card
Can I cancel onecard and then apply this????
Only the Visa Jupiter Edge card was from Federal Bank.
Itna mere ek card ka limit hai
it is stupid to get so many cards, good luck managing all the cards. You also risk your max limit enhancements in the future. Much better to get bigger limit and have 2-3 cards.
With so many cards you are not able to maximize benefits on them.
Infact u should get different cards for different benefits and needs and ultiize them in less ratio, so that u can repay ur debts easily without much worrying...
And I'm good at managing so i don't find it difficult to have 7 cards , there are people who are using 40+ cards, it's only about ur needs and ur skills to manage it... 🏻
I have 20+ cards using since 2010.. each year 2 cards have been added to my list.. I took lot of benefits from various cards by using in all platforms. Almost 1Lakh + benefits availed.
first priority rupay card is tata neu infinity LTF, next comes kiwi/jupiter. rest all can be considered regular cards. it's suggested to have only top two rupay cards or else any two rupay cards, in general rupay cards won't offer any reasonably good rewards as on today.
One benefit about this card is, before paying any merchant, it will show how many jewels you will earn, if it is not 10% , please pay with some other cards.
5 Jewels =₹1
In 70% of the offline shops , I saw 2% cashback , some merchants have disabled scan and pay with cc and some providing 0.4%
RBI should mandate scan and pay with credit card atleast for ₹2000
I dont have any ac on jupiter app but on waitlist earlier only i had registered so i can too get this but i don't want to open any account (BANK AC) in jupiter is it still possible??
@prahul7856685 Yes... U can without account but if were on the waitlist then u have to check whether u r eligible or not...
Don't take too many credit cards
Credit card companies are doing business, they are certainly not doing charity.
When you have multiple credit cards, it becomes difficult to manage which in turn can invite missing bill payments. & You know, companies are waiting for that to squeeze you out by levying heavy penalty & or interest.
When you have multiple cards, you most probably will end up very little limit utilised for each card & you will not be able to reach any milestone reward.
There is no pride of having multiple useless cards, any mistake can hamper your cibil score . So when you need actual money for your goals like car, house, banks may not give you credit. Or can give credit with high interest rate
Keep in mind, credit card is simply one type of loan, not your money. When you have access to different cards, you will get lured to purchase any unwanted item, as because you will get offer in online or offline every time as you have cards of all banks.
is it worth having ? already have tata nue plus cc
VU. Applied. Approved. And received Digital card. Waiting for physical card.
Am planning to take any Yes Bank card and considering Yes Kiwi vs Yes Uni Nx wave. Which one would you suggest based? Also, can we use these cards for any Yes bank offers? I have Federal Onecard which am not able to use for any Federal offers
Congratulations for long term non endurable pain
Apart from csb, what's your highest credit limit?
it is stupid to get so many cards, good luck managing all the cards. You also risk your max limit enhancements in the future. Much better to get bigger limit and have 2-3 cards.
With so many cards you are not able to maximize benefits on them.
Think 7 is too many? I have 23 cards. All in good shape, no default or issue.
Getting 5%+ on any spend no matter the category.
1. AmEx Platinum Travel (Paid)
2. AmEx Platinum Charge (Paid)
3. AmEx Membership Rewards (Paid)
4. SBI Cashback Visa (Paid) (Waiver)
5. HDFC Infinia (Paid)
6. SBI SimplyClick (Paid) (Waiver)
7. SC Smart (Paid) (Waiver)
8. Airtel Axis (Paid)
9. Amazon ICICI
10. IDFC Wealth
11. IndusInd Pinnacle
12. Tata Neu Infinity
13. AU LIT
14. Flipkart Axis
15. OneCard
16. ICICI Rubyx
17. IDFC Club Vistara (Paid)