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u/Bruce_Wayne170

▲ 2 r/CreditCardsIndia

FD backed HDFC credit card worth it or not

I have a relationship with HDFC and an annual TRV>6L and HDFC is offering me BizGrow and Biz First CC, while I am interested in retail CC.

I called my RM and he said they only provide FD backed cc specifically Regalia and marriot bonvoy.

I submitted my ITR >15L and there were no pre-approved retail cc offers for self employed on his end.

1)What is the best I can do in this case(wait longer or take the deal)

2)Also is it worth taking the fd backed deal now and ask for unsecured cc later

  1. Can I upgrade to DCBM or Infinia later(unsecured CC)

  2. LTF for secured cc??

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u/Bruce_Wayne170 — 12 days ago
▲ 13 r/CreditCardsIndia

I also own Kotak 811 Super DC(offline)

CIBIL- 780

Income- 15Lpa Self Employed

Annual spends-4/5 lakhs

Requirements- Offline purchase at Retail stores, Amazon/Flipkart shopping, Travelling by air 2-3 times a year and 10-12 times train, No luxury or overspending for the sake of reward points🤗

I live in a Tier 3 city

Please recommend some good CC for a good credit mix towards my spends

Sidenote- I have an HDFC account for 8 years and TRV > 6L and they pre approve me BizGrow

RM asking for FD based Millennia or MarriotBonvoy but I rejected

Every CC has 2-2.5L limit

u/Bruce_Wayne170 — 14 days ago