No, the issue is marked resolved as per the message I got from IDFC customer support. But I did not to any new transaction after this message.
All cards have their own features. It depends person to person which suits them most.
Like you need : Secured card against fd (onecard , idfc wow card, Paisabazar card)
Read post for onecard - click here
For idfc wow card - click here
then what should be the minimum fd
For onecard Rs 5000 upto 1 lakh, for wow card rs 2000 or 5000, for paisa bazar card rs 2000
Kotak 811 with 5750-11,111
Then what should be issuing charges or annual subscription charges. For onecard both charges 0, for idfc both charge is 0, for paisa bazar issuing charges is applicable for 2000 fd.
What should be reward system. For onecard 1% for top two categories but you have to spend in 3 categories to get 1% (such as bill payment, shopping, electronics, travel, etc)
For idfc wow 1 rs on spend of rs 150
App or transaction and user experience onecard is best for this, idfc is ok ok. I do not know about paisabazar.
If you shop a lot then go for unsecured card amazon icici, flipkart axis, bob myntra etc. These card waive of charges after achieving the targeted spends
3 Likes
I hv to check.
There are many secured LTF cards like
- OneCard (Easily get 1% reward rate)
Make an FD of ₹2050, 2150, 2250 so on to get 2100, 2200, 2300 so on - paisabazaar StepUp Card (RuPay Card, 0.25% reward rate, CC over UPI isn’t supported yet). Min. FD of 5000
- IDFC First WoW Card (0.67% reward rate, good for 0% forex markup fee, IDFC Card offers, Visa Infinite offers). Min. FD of 2000
All these above cards mentioned come with zero joining fee, zero annual fee, 100% credit limit
4 Likes
Wow! We are getting secured credit cards for Rs.2000 FD and that too with 100% credit limit. That’s pretty cool… Happy to see that things have evolved so much.