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How to Get Multiple LTF Credit Cards From All Indian Banks and Their Best Cards

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Finance Mentor
beastboy
Its a big Question that is Bugging me From Quite Some time and Many Other Dimers might have felt the same Lets Help each other by Making a List of Multiple Credit Cards Offered By Banks and the best Cards offered Finally How can we get our Hands on those Credit Cards Preferably on LTF Basis . And How To Maximize the Profit By Having Multiple AddOn Credit Cards. I Will Add and modify the Details in Deal Wiki based on the Inputs received from other Dimers. Plz Tag Dimers in the Post whom you feel will be able to contribute to this thread.
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Critic Critic
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Generally I refer the comments section of the below 3 mega-threads for any credit card related existing info (might want to add the links in the wiki for reference) : https://www.desidime.com/discussions/credit-car... https://www.desidime.com/discussions/credit-car... https://www.desidime.com/discussions/credit-car...
Coming back to the main thread queries, here's my take: HDFC: You already covered most, just want to add one things regarding multiple cc's; If you happen to have a credit limit of 10L+ on your existing card, you can get that split into cards via your RM, this is how many people have both Infinia and DCB; It works generally especially when you have DCB with said mentioned limit, you can simply tell that the diners network is limiting your spends, so you want to get it split with Infinia. Do note that just CL of 10L won't suffice, your actual spends also needs to be in a decently high to get qualified for the second card. SBI: Nothing to add much, you already covered what I know. Axis: Axis LIC Credit Cards are something that is offered as LTF for any LIC policy holder (variant depends on your policy premium value or ITR/Salary), need to be applied directly from LIC office/agent and not via Axis bank... Axis Insta Easy CC is a secured CC that one can get it directly over the counter based on his FD, and the beauty of this card is that generally this secured card becomes unsecured (FD limit/lien is removed) after about 8-12 months basis your usage pattern; will remain LTF as usual; so pretty good anyone looking to start his cc journey with nil cibil score. BoB: Well, BoB is BoB, no words here XD ICICI: You covered up most, just adding one more; ICICI MMT CC (platinum/signature) are pretty much LTF cards, you just need to pay a joining fees, no annual fees; much like any IndusInd CCs. Amex: Amex has a unique and a beautiful concept of "companion" cards; You hold a payable Gold charge card, you get a free MRCC which stays LTF untill you hold your gold card; The gold card in this case acts like a parent card, the mrcc like a child card; similar thing for any pair, you only pay for the higher variant, the lesser variant becomes ltf. Citibank: You can hold upto 3 cards afaik, 1 will be the normal one, the other 2 will be a co-branded like iocl/paytm/ikea/shoppers. Getting a Citi card is tough job for anyone already holding 3-4 cards or more. Anyways Citi is gonna hand over it's retail business in India soon. IndusInd: just like HDFC, only 1 allowed in general; rare cases of 2 also exists, especially for people holding Iconia Amex, since they get the 2nd one mentioning low acceptance rate of Amex as a reason.
Will add more info later wink
Deal Cadet Deal Cadet
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@luciferous

I have 5 cards from different banks, every card payment dates are different it’s a hassle. Cred helped a lot in maintaining and viewing in one place.

How come you are maintaining this many cards, can you explain?

Deal Cadet Deal Cadet
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@sathish666 Ask your bank to change billing cycle, except BoB and One Card many banks will change. Also, try RUSSH app or else go with excel.
Deal Captain Deal Captain
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Need a rupay credit card LTF, preferably select or else platinum, which one is the best??

@abhishek012

Finance Mentor Finance Mentor
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RuPay Select is a premium tier equivalent to Visa Signature and Mastercard World and comes with host of premium features & benefits. BOB - PREMIER, SELECT & EASY card available in RuPay Platform. currently BOB offer LTF cards (Banks by default issue any network cards Visa or RuPay. Be in touch with them through social platforms, or customer support). HDFC - Millennia, Moneyback+ & New Freedom card available in RuPay Platform but I dnt know how to apply this cards in RuPay network. HDFC Indianoil RuPay & Bharat RuPay credit card currently offer LTF. LIC RuPay Credit Cards - LTF, visit here - https://www.desidime.com/deals/lic-launch-lifet... Yes bank - 1 RuPay credit card is live and 3 more coming soon but i dnt know which card it is. SBI - IRCTC, BPCL & FBB co-branded RuPay credit cards available (I think issue/annual charges applicable) Kotak - Kotak-Indigo tie up for co-branded credit card but no card network announced yet, Only thing i know Kotak bank alloted total 5 RuPay BIN numbers. 2 LTF RuPay card already launched for Armed forces. Now there is a 50-50 chance Kotak-Indigo can be RuPay or Visa. smile Federal bank - RuPay Signet Credit Card (spend 75k in a year and AMC wavier), visit here for offer details - https://www.desidime.com/deals/federal-bank-lau... Paisabazaar SBM FD based RuPay Select Credit card - No charges if FD 12k+, visit here - https://www.paisabazaar.com/stepu...d/ All other PSU banks like Bank of India, Indian bank, IDBI bank, Union bank, Canara bank, Central bank of India, PNB bank etc already offered LTF RuPay Credit cards, visit PSU bank website and check details. ICICI and other large co-branded RuPay credit cards coming soon.
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Deal Cadet Deal Cadet
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Yes. Paid the Joining Fees plus GST.. Got vouchers worth the joining fees. So GST was the expense for me which is easy to recover in a year or so.

Deal Newbie Deal Newbie
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Nice info

Deal Subedar Deal Subedar
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good work
VU +KG

Deal Cadet Deal Cadet
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Thank you for the detailed information 🙂

Deal Cadet Deal Cadet
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goooooood

Post Tycoon Post Tycoon
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Thank You for applying for Axis Bank Flipkart Visa Credit Card. This card has Joining Fees: Rs 0 and Annual Fees: Rs 0. Your communication email ID registered.

If v get above msg then it’s LTF CC na??

Commentator Commentator
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Got FK axis CC today…
Dear how to know customer id?
Sms to 56161600 is getting failed.
PS- I have balance+unlimited recharge on VI.

Finance Mentor Finance Mentor
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You need to visit branch , their Internet banking is Shit and same behavior from their CC executives , they dont have any idea about anything . Even their reply on Email will baffle you.

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Deal Newbie Deal Newbie
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HDFC reps are giving me a moneyback card against my 50k limit sbi click card. should i take it?
or are their better cards from axis?
I also have an itr of 2.3 lacs. could that get me a better chance of millenia?

Crusader Crusader
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Try asking for HDFC millennia as u r asking the rep..

Shopping Friend Shopping Friend
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All cards revert the annual charges if you ask them of Card closure. The most notorious was icici bank card.. Who said “we have taken your request for card closure and you can break the card”, later they emailed me of reversal after 2-3 days.

In all.. All cards revert any charges including late payment if you ask of card closure and stay firm on it.. And they’ll revert it and will allow you to keep the card. smiley

Deal Cadet Deal Cadet
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Thanks for the info on SBI cards, it is just what I’m looking for. To get those 10% instant discounts, I was thinking to apply for IRCTC card for 300 fee, but looks like there are better options.

So which is better among SBI Spar and SBI FBB? And in case of SBI Spar RP points need to be redeemed only at Landmark stores? No options to buy gift card or statement conversion?

Helpful Helpful
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friends, I am missing Rupay CC in my kitty. any LTF suggestions?

Helpful Helpful
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i personally have 5 ICICI CCs grinning

Finance Mentor Finance Mentor
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Which Variants you hold bro and are all cards LTF ?

Deal Newbie Deal Newbie
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I don’t know if this has been asked already, but I wanted to know about Axis Flipkart CC. Earlier this card had Rs. 500 annual fee but now it is being advertised as LTF. So the existing cardholders will be charged an annual fee or not?

Pro Deal Legend Pro Deal Legend
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they will be charged

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Deal Cadet Deal Cadet
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Is WTF cards same as LTF cards.. Once i went banks he told me what limit you wanting. I said 4 crores.. Will it a LTF the bank manager said WTF and escorted me out My question is WTF cards different from LTF?
Benevolent Benevolent
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One of the premium HDFC Credit Card which is Diners Black is easier to get if you are an Alumni of Any premier Institute like , IIT’s NIT’s etc. and on top of that they will get that card as LTF , yes you heard it right.

Is this still available? I remember they had this offer in 2019. But when I tried it in early 2020, they said offer is expired. How does this work? I don’t have any hdfc savings account.

Finance Mentor Finance Mentor
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You need to connect with the Respective college representative from HDFC or state representative who processes such application , its was on hold only during the Dinersclub ban by RBI , should be live now again
HDFC Savings account is not needed for processing this card

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Helpful Helpful
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I have just instslled Cred, has given access to my email. Added some credit cards in it. I am not geting autopay option in it.

Deal Captain Deal Captain
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Need a rupay credit card LTF, preferably select or else platinum, which one is the best??

@abhishek012

Finance Mentor Finance Mentor
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RuPay Select is a premium tier equivalent to Visa Signature and Mastercard World and comes with host of premium features & benefits. BOB - PREMIER, SELECT & EASY card available in RuPay Platform. currently BOB offer LTF cards (Banks by default issue any network cards Visa or RuPay. Be in touch with them through social platforms, or customer support). HDFC - Millennia, Moneyback+ & New Freedom card available in RuPay Platform but I dnt know how to apply this cards in RuPay network. HDFC Indianoil RuPay & Bharat RuPay credit card currently offer LTF. LIC RuPay Credit Cards - LTF, visit here - https://www.desidime.com/deals/lic-launch-lifet... Yes bank - 1 RuPay credit card is live and 3 more coming soon but i dnt know which card it is. SBI - IRCTC, BPCL & FBB co-branded RuPay credit cards available (I think issue/annual charges applicable) Kotak - Kotak-Indigo tie up for co-branded credit card but no card network announced yet, Only thing i know Kotak bank alloted total 5 RuPay BIN numbers. 2 LTF RuPay card already launched for Armed forces. Now there is a 50-50 chance Kotak-Indigo can be RuPay or Visa. smile Federal bank - RuPay Signet Credit Card (spend 75k in a year and AMC wavier), visit here for offer details - https://www.desidime.com/deals/federal-bank-lau... Paisabazaar SBM FD based RuPay Select Credit card - No charges if FD 12k+, visit here - https://www.paisabazaar.com/stepu...d/ All other PSU banks like Bank of India, Indian bank, IDBI bank, Union bank, Canara bank, Central bank of India, PNB bank etc already offered LTF RuPay Credit cards, visit PSU bank website and check details. ICICI and other large co-branded RuPay credit cards coming soon.
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Deal Subedar Deal Subedar
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Did anyone have infinia card and 1) get diners black via the method suggested here (ask RM to split credit limit), 2) originally not LTF but converted to LTF without paying any fee? If yes pls let me know how

Deal Newbie Deal Newbie
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@beastboy any idea what’s the process to get Diners Black lifetime free for premium institute alumni? I did find some old offers but they were valid offline

Helpful Helpful
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Is there any joining fee for Indusind Pinnacle credit card now.If yes,how much.

Critic Critic
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It varies from time to time… When it was launched before the COVID, it had a joining fees of a whopping 50K+gst, then later it got decreased to 30K, then again to 15K, then 13K and sometimes in between to 9K. However you would be given brand vouchers equivalent to the joining fees each time. This is if officially applied through their bank website. However, BankBaazar/PaisaBaazar in between had a lifetime free offer, which many of us availed, hence no joining charges at all (obviously no joining vouchers also). As of now, they are not using this card for to MasterCard ban, so once the ban is removed, you will get to know the current joining fees as applicable.

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Deal Cadet Deal Cadet
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Can someone provide refferal blink for amex

Critic Critic
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Amex is still under RBI ban; also their referral links are under suspension and not valid as of now (from what I know).

Talk-Of-The-Town Talk-Of-The-Town
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Good information

Deal Cadet Deal Cadet
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My first card is ICICI which is more than 16+ years old, luckily got this even though I was working in a small logistics company. It’s using only in emergency or else like a dead card but bank used to provide loans on this card without any documentation and process, also so quick within hours time loan amount get credited. It’s a LTF ICICI HP card but when come to rewards … very pathetic and never seen they promises and even I don’t remember rewards redemption, after few years they linked to packback, so about my rewards GOD knows, got Amazon and using this very good. Even though using these card so many years, my limit they never increased more than 3 lacs that’s another pathetic.
SBI … Initially it’s good about rewards, limit also good but not so attractive hence this also like dead card
HDFC …. Somehow got this card and enhanced to business card, credit limit is cool and helps really in emergency, rewards didn’t use much but redeemed as cash against points (around 35k points – 7K) another thing is that in last year more than 10K vouchers got for transactions alone hence my priority become this card but it’s not LTF but charges are waived off based on transacitons.

Deal Cadet Deal Cadet
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Very good effort

Deal Cadet Deal Cadet
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Would like to know. I have hdfc millenia card. If I apply add on card, then discount benefits will be separate for both cards or clubbed as one card?
Otherwise one can be applied for family member separately

Finance Mentor Finance Mentor
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Please spare some time and read the post , you will get your answer wink

Deal Captain Deal Captain
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Is citi Paytm card, online only application or physical verification through agent comes for documents.

I live in a non serviceable area how to Bypass the issue.

Finance Ninja Finance Ninja
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I wanna know too

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Crowdpuller Crowdpuller
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Vu+ kg+ bro

Deal Lieutenant Deal Lieutenant
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Need Yes Bank LTF Cc. And the recent posts don’t work toungueout
Someone suggest . How to get it.

Pro Deal Legend Pro Deal Legend
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just apply it bro based on salary they will give ltf card … most of them are ltf only

Deal Lieutenant Deal Lieutenant
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Amex add-on cards fees ( beyond free limit ) is one time or annual?

@beastboy @arorasid

Deal Captain Deal Captain
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one time

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Deal Subedar Deal Subedar
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HDFC diners black credit card: Alumni of Any premier Institute like , IIT’s NIT’s etc. and on top of that they will get that card as LTF

How to get this card ?
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