Hey!
Can anyone suggest to me the best credit card for shopping from HDFC Bank?
Right now i am thinking of a TATA NEU credit card.
If you already have the Tata Neu Card, that is good option to make purchase via Tata Neu as well as Smartbuy.
1 Like
I tried to apply for it a few days ago but apply screen doesn’t work.
The interface is definitely buggy. I faced multiple drops while trying to put in an application. And eventually, when I received the card, they blocked it sighting a closed card relationship I had with HDFC bank back in 2007.
1 Like
Hello Everyone, I’m new to the world of credit cards and only have two cards: Onecard, my first-ever card, and Paisabazaar’s Step Up card, both of which are FD-backed. The latter has a deposit of only 2k.
My primary account is with SBI, and I have noticed many of my friends receiving pre-approved offers from them. Despite having a good number of transactions, my name is not on the list.
Whenever I open Paisabazaar’s app, it shows two pre-approved cards without requiring income documents: Kotak’s League Platinum card and SBI’s SimplyWave card. However, my applications are immediately rejected, and my credit score decreases due to increased inquiries.
In January of this year, I received a pre-qualified offer for a Flipkart Axis Card through the Flipkart app and applied for it. After receiving a message that Video Kyc was successful, the status changed a few days later to Video KYC was unsuccessful, and I was told an executive would contact me for document verification. However, after waiting two months for the call and the executive, the application was rejected, and no one contacted me for the documents.
In March, I received the same offer again on Flipkart and applied once more. This time, Video KYC was successful, but the application is currently stuck at the document pickup stage. It has been two weeks, and no one has contacted me for the documents.
My credit score ranges from 720-740. Would this be a problem? I would appreciate it if any credit card experts could suggest solutions or provide valuable recommendations for what steps I should take.
1 Like
You can reach out to Axis bank customer support. They must help in this case.
1 Like
Bdw, what is your professions
1 Like
720-740 is you CIBIL?
@Satyajit_Singh , When I contact Axis Customer Care, I receive responses indicating that the executive will collect the necessary documents within a specified timeframe, such as 7 or 14 business days. But as mentioned in the first case, no one came even after 2 months. At present, am working as a UGC Research fellow.
@specter Yes sir. My CIBIL Score is in between that range. Only once did I attain a 750+ score, but changed the very next week. Is there any credit card which can get approved easily with those scores?
1 Like
Apply for SBI Card
Most probably, you can get approved.
1 Like
Abdul, the score range does get affected by the number of inquiries. Also, the more the inquiries on the credit report, the more it goes against the applicant as the risk assessment engines view this as desparation to get credit.
Pre approved offers may not always result in approvals. These offers are designed to assess the probable applicants on Very basic qualifying parameters.
1 Like
Axis people are idiots.
Go with League platinum of kotak if you are getting it LTF as it will be your first unsecured card. They give out LE pretty quick.
1 Like
My kotak card went from 19K to 7lacs in 3 years 
1 Like
Federal bank is ready to approve me a unsecured metal credit card through one card. But the limit is low so I gave it a pass.
2 Likes
I have really not pursued LTF cards. Every other card i have, has built credit limits for a period of time.
2 Likes
I think It is easier to get axis Bank cobranded cards compared to the axis bank’s card. Install onecard, maybe you might get it. I got one even without asking for a salary slip and did get a nice limit too.
I have taken kotak 811 for the LTF kotak league card. Its just one month now.
I have heard from other communities that it is easier to get Au bank’s Lit card. It is LTF but offers are based on the categories you pay for.
4 Likes
Really Kotak is gem 
they offered me 2 times credit limit increase in 2 months. Now all I have to wait for 4 months more to get HSBC Cashback Card. I will apply it with Kotak.
2 Likes
Which Kotak card are you talking about?
Don’t believe 3rd party app or website, they don’t know bank risk policy clearly, they provide you fake information… Actually they provide or suggested you pre approved based on your credit score,
Then you apply for it , if approved by bank… They will get referral bonus… If rejected it’s hurts your credit score 
dont believe them… I recommend you to wait for official bank pre approved offer…
For applying axis Bank card… You must have a Cibil score 750+ … Please wait for some months increase score and then apply for it
I am receiving calls for yes prosperity credit card, I am being told that this is a pre approved card based on my credit report and I do not need any documents because I am using anothers bank’s credit card already, this offer is being made on the basis of that. Should I go for it ?