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

5353°
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 Ninja Finance Ninja
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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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I was just checking with ICICI for LTF cards. Got call from them for processing platinum chip card. I asked for instant approval as I am holding amazon pay card. They said need to send consent sms for credit check and vkyc. I said then I don’t want.
Then the lady at customer care was threatening me that my cibil score will go down for cancelling application. imp

Deal Cadet Deal Cadet
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Getting ICICI Bank Coral Contactless Card and ICICI Platinum Chip Credit Card as pre approved offers in paisabazaar.
both are 0 fees. which one is better and do they need documents or credit check for processing?

Deal Captain Deal Captain
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If both are LTF take coral, the higher variant of both

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Deal Cadet Deal Cadet
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BOB already hitting CIBIL even before completing application. rage
Deal Captain Deal Captain
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Yeah no guarantee that the application will proceed to the end on their stupid banking platform but they do cibil enquiry everytime you enter basics.

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Deal Lieutenant Deal Lieutenant
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Anyone applied Ola SBI card recently ?
I got the message that card is conditionally approved with limit 2lakhs.
KYc verification of DL is pending for tomorrow.
What’s the timeline usually for SBI Ola card ?

Deal Cadet Deal Cadet
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are AMEX taking new customers now? I’ve been waiting to apply Amex for the past 5 months and noticed they haven’t been taking any new customer and website still shows they aren’t. Are they taking customers thru referral or such methods?

Deal Captain Deal Captain
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I have Amazon pay card, if I’m getting LTF icici mmt card and LTF icici platinum/coral, which one is the best choice ??

Finance Ninja Finance Ninja
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Get Icici mmt plat (590 joining fee one).
Don’t get mmt signature. Though ltf, it carries joining fee of 2500..

Coral i doubt it’ll be ltf, it has annual spend waiver set at 1.5 lakh.

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Deal Cadet Deal Cadet
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Dont take MMT. Except for one lounge access it is useless. Go for coral card as ICICI Amazon and ICICI MMT are co branded cards and nor eligible for offline cashbacks and discounts. I lost a deal of Flat Rs 5000 CB on electronic purchase as I only had these 2 cards. I converted to Coral nexr day.

Finance Ninja Finance Ninja
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Bro, where were you purchasing electronics from. Gada electronics?
I see cashbacks and offers on electronics and mobiles with MMT plat, which are not available in Amazon icici.

Flat 5k cb seems like an offer if purchase is above 1 lakh.

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Finance Ninja Finance Ninja
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@beastboy

" Annual Fees comes dont to 1/3 which comes to Rs.1500 + GST = Rs.1770"
For amex u said it comes down to 1/3rd if applied via referral.
So if i apply for amex smartearn cc(which carries maintenance of 495+gst) , i will only have to pay less than 200 annual inc. gst?

If yes, then those who hold other high variants can refer me for this card(when ban is lifted)?



https://www.americanexpress.com/in/credit-cards...

This is the card i am talking about

Finance Ninja Finance Ninja
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@BlueFlash

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Deal Subedar Deal Subedar
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How to cancel a lost credit card SBI which was never used?
The card is lost now and atleast 10 years old.

No statement or bill by post arrives nor any annual charges are seen in account SBI staement.
It has affected the CIBIL score as credit card is shown active and pending dues seen.

PS: No credit or loan due from 2014
In cibil only Credit Card account is seen active

Helpful Helpful
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write to sbi customer care requesting it’s closure

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Deal Newbie Deal Newbie
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Which is the best card from indusind??

Generous Generous
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Pinnacle and iconia. You will find a lot of threads about these cards.

Deal Newbie Deal Newbie
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Which banks provides card on card basis through online process?
1. Good Rewarding Credit Cards
2. Card on Card Basis
3. Online Process

Helpful Helpful
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BOB Eterna

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Critic Critic
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Anyone got Federal bank CC as LTF, apart from OneCard ? Any leads on this will be helpful wink

Finance Mentor Finance Mentor
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Any Particular offers from Federal in mind ?

You can check this https://www.federalbank.co.in/credit-cards-appl...

Not Sure if Both Federal and SBI offers come together will be get double dip discount again
like the one with OneCard – Federal Offer on Amazon

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Helpful Helpful
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Can anyone suggest how to get hdfc LTF card.just need it for using in sales on ecom sites,so any varient is ok for me.
I don’t have acc in hdfc

Helpful Helpful
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the answer is in your question itself. First open an account with hdfc and then wait for few months to avail the credit card.

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Deal Cadet Deal Cadet
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Sbi card customer care is worst. Hours of hold time and no email support. Lame customer support executive are rude.
Benevolent Benevolent
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Exactly!I have experienced the same with SBI,PNB and many other PSUs affected with Sarkari culture.There is no accountability and they behave rudely in branch as well.Their lunch breaks never end and their servers are always down.These crooks take things too casually and got an attitude like “Kya farak Padta hai.Baad main kar denge.Koi customer complaint to karega nahin.Complaint karega to bhi koi action nahin hoga / Who gives a f**k!Will do it later whenever I feel like.Nobody will report and even if somebody does no action would be taken against us.Just chill man!”
That’s why privatization of public sector banks is required.

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Post Tycoon Post Tycoon
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I am using following credit cards.
ICICI AMAZON PAY
AXIS BANK ACE
AXIS BANK FLIPKART
RBL BANK FUN+
CITI BANK INDIAN OIL

SPECIALLY FOR ZOMATO, SWIGGY AND SPECIAL RECHARGE OFFERS

SLICE, ONE CARD AND UNICARD



Pls guide, is there anyone card in the above, which I can replaced with other one.

Finance Mentor Finance Mentor
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Keep LTF cards in your kitty always for any occasional offers ,
Apay , Axis Fkart and RBL FUN+ are LTF cards.
AXIS Ace is good to keep even if paid , CITI IOCL has only 30k spend for fee waiver

Close Fkart Axis and RBL if not LTF

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Deal Cadet Deal Cadet
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Is axis LIC credit cards can be upgraded to ace or flipkart. 

Generous Generous
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Any benefit for non-lic policy holder for this card? Some guy is offering it to me on ltf basis also i already have axis ace

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Benevolent Benevolent
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Anyone know how to apply for hdfc diners club card as LTF for iit alumni in Bangalore? Their customer care is not reachable and no other info available anywhere.

Crusader Crusader
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This discussion may help
Upgrade to DCB – Diners alumni exclusive offer

Please Visit
https://ddime.i...FW

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Deal Lieutenant Deal Lieutenant
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Any One Recently Applied For CITI Or HSBC CC? 

Finance Mentor Finance Mentor
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HSBC seems to be goofing up with the new applications submitted
CITI though announced to wrap up the business in India still promoting their CC
aggressively and every now and then I an my brother get calls for the same though
he already hold a CITI card and my application was rejected twice so I am not applying for CITI anymore

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Deal Lieutenant Deal Lieutenant
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Any One Applied For RBL Shoprite? 

Any Physical Verification? 

Deal Cadet Deal Cadet
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Just a random query:

Anyone without HDFC Bank account can get hdfc credit card?

Anyone with above scenario

Deal Lieutenant Deal Lieutenant
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Yes you can if you are salaried person or self employed.

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Deal Cadet Deal Cadet
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Are the IDFC Credit cards good? Any referral offer exist ?

Helpful Helpful
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is there a dedicated post like this for card to card for every bank ? Where it mentions office verification and everything?

replyuser
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