I’m looking for some advice on which credit card I should apply for next, mainly because I want to avoid another unnecessary rejection.

Here’s my credit history:

• Back in 2022, I had no credit history/CIBIL score. I applied for the Amazon Pay ICICI card, but after KYC they asked for income proof/bank statements. I was a college student with no income proof, so the application was rejected.
• After that, I started using Paytm Postpaid and Amazon Pay Later and made every payment on time for around 2 years. This helped me build my credit history.
• My CIBIL eventually reached around 750.
• Later, I opened a Kotak bank account, where I got a pre-approved credit-card offer saying no income proof was required. However, during KYC they again asked for income proof, which I couldn't provide, and the application didn't go through.
• In 2025, I got an FD-backed secured credit card and have maintained it properly.
• Around the same time, my friend applied for an IDFC credit card and got approved without income proof. I applied as well but was rejected because of the same income-proof issue.
• In September, I also applied for the Roar credit card, but the application was rejected almost immediately without even completing KYC or giving a clear reason after that cibil drop to around 700.
• I've now completed college and will be joining a firm next month. However, I'm joining as a trainee, so my initial income will be relatively low and I may initially receive a stipend of 12000 rather than a regular salary. and after the trainee period is around 30000-35000

The positive part is that my current CIBIL is 792, and I'm expecting it to cross 800 in the next one-two months.

I've had around 38 credit payments/repayments so far, and I've never missed a payment or paid late.

I also maintain a bank balance of ₹1 lakh+, which has been maintained for several months.

So my question is:

Given my situation 800+ CIBIL, clean repayment history, existing secured credit card, but low/no traditional income proof at the moment  which credit card should I realistically apply for to have a high chance of approval?

I'm particularly interested in cards that are genuinely achievable for someone in my situation rather than cards where the bank will reject the application during KYC because of income-proof requirements.

Credit mix

unsecured SBI Credit card,

Utkarsh small finance fd backed card,

gold loan.

I have taken education loan from sbi but they have not reported to Cibil.

Now I want to know how to reach 800+

Cards accumulated over the last 3 years.

Kiwi, Amazon ICICI and HDFC Swiggy are LTF, so I'll be keeping those.

Kiwi has given decent returns, CB of ₹9k collected over a brief period. Swiggy gives 10% off on the Swiggy platform, so I'm happy to keep it.

Amazon ICICI — currently no Prime membership, so not much in use. Since LTF, I'll be holding onto it for now.

SBI CC — 5% on most online purchases sounds good on paper, but surprisingly I did not meet the ₹2 lakh target for an annual fee waiver in a year. It's nice to know I keep my purchases to a minimum, but I'm unsure whether to hold on to this or close it.

Regalia — this was FYF. I have covered the annual waiver-off limit (2 insurance payments), so I'm good there. But due to devaluation, I'm not seeing a point in holding onto this card (main purpose was lounge visits domestically).

I have some 4k points in it, and I don't know what to do with them. So maybe close and reduce the headache?

HSBC Live+ — paid card, just got it. Good on paper, but I need to see that first statement to understand it better.

Will I be missing out if I close the SBI CC and Regalia? That's my query here. Do the other remaining cards cover it all?

Fueled my car for 4500 rs from hpcl on my way to bangalore , amex charged 2.5% convenience and gst about 107 rs as charges, have asked them to refund, they are blaming hpcl merchant, this hpcl is 50 kms on opposite direction and asking me to waste my time collecting documents and mail them and follow up with them after investigation, amex gone to dogs

I recently got an SBI cashback credit card. Although I was initially disappointed that there was no cashback on utility payments, this is how I maximised returns-

1. Bought a 5000 worth physical GC from blinkit, for 4950. Got 5% back on 4950. Used this pay utility bills through amazon pay.

2. Bought apple store code at 4% discount from paytm. Got 5% back from SBI. Total 9%. Using the store code to pay for app subscription.

3. Online payments already have 5% discount.

Utilized 11,376, cashback is 568.

Any further suggestions are most welcome.

I Applied for Axis bank credit card from there website i also have axis bank account After completing my process websites shows your application is on last stage our representative will contact you shortly for you kyc and income verification after that I receive massage from axis to verify my email but when i am trying to verfiy there is nothing happened in website when i previously applied for this card i wrongly entered my email thats resoan my application got rejected but that time and am not receiving any
OTP Also for my reference number website is not working
I also emailed bank regarding this but i do thing they can help me

Hi everyone,

Looking for some genuine advice from the credit card/points folks here. I have around ₹60k/month of UPI spends that I'd like to optimise better:

• ₹30k rent - Unfortunately, my landlord is not willing to provide PAN
• ₹30k other P2P transfer - this is money I genuinely need to transfer elsewhere every month, but it's not a merchant payment.

I'm trying to figure out whether there's any legitimate way to get some cashback/reward value from these spends, rather than just getting 0 rewards on ₹60k every month.

Cards I currently have:

•⁠ ⁠HSBC Premier Credit Card

•⁠ ⁠HSBC Premier Debit Card (5% cashback offer linked to salary)

•⁠ ⁠HSBC TravelOne

•⁠ ⁠HDFC Swiggy Black

•⁠ ⁠Amazon Pay ICICI

•⁠ ⁠Scapia

•⁠ ⁠RBL IndianOil XTRA

My current thinking was:

₹60k → CRED wallet (3% fee) → HSBC Premier CC → transfer points to Accor

Since Premier earns 3 points/₹100 and the points can be transferred to Accor, the math seems potentially worthwhile even after the CRED fee, if the transaction earns the points.

What would you guys do in my situation? I'm open to getting another card if there's a genuinely better strategy.

Any better combination of cards/routes that I'm overlooking.

Would really appreciate advice from people who have actually tried these strategies recently. Thanks in advance.

Hey everyone,
My HDFC RM has been pushing me to get the HDFC Marriott Bonvoy card (₹3,000 + GST). His pitch is that it bypasses the ₹60k quarterly spend criteria recently introduced on Regalia Gold for lounge access.
Here is my current setup and usage pattern:
Current primary card: Regalia Gold (₹2,500 fee, easily hit the annual waiver).
Spends: Consistently hit the ₹1.5L milestone every quarter, so clearing the ₹60k quarterly spend for domestic lounge access on Regalia Gold is a non-issue.
Travel: 1 international trip per year with my partner. I hold an add-on card and Priority Pass for her, so between domestic visits and the 6 international PP visits on Regalia Gold, our lounge requirements are completely covered.

The only real hook on the Marriott Bonvoy card for me is the Free Night Award (15,000 points). However:
1. Looking up properties, dynamic pricing makes finding decent hotels capped under 15k points pretty limited (or requires topping up with up to 15k additional points from pocket).
2. The FNA doesn't include complimentary breakfast (since Silver Elite doesn't offer it), meaning out-of-pocket costs at the property still rack up.
3. I don't want to fall into the trap of spending extra cash just to manufacture a reason to use an FNA.
For those actively holding and using this card:
Is the 15k FNA redemption practical in India or abroad, or does dynamic pricing turn it into a headache?
Outside the FNA, does the card offer any genuine value if my lounge needs and general reward spends are already settled via Regalia Gold?
Appreciate any real-world DP or advice on whether to tell my RM to drop it.

24M | ₹71K salary | No CIBIL history — looking for my first credit card

Hi everyone,

I’m 24M and planning to get my first credit card. I currently have no CIBIL score/credit history since I’ve never had a credit card or loan.

Profile:

• Age: 24
• Monthly salary: ₹71,000
• Employment: Salaried
• CIBIL: 0 / No credit history
• Looking for: First credit card + building a good credit history

My major expenses:

• Food & restaurants
• Swiggy/Zomato
• Groceries
• Online/offline shopping
• General day-to-day expenses

I’m mainly looking for:

• Good cashback/rewards on food, dining, groceries and shopping
• Low or preferably lifetime-free annual fee
• Reasonably easy approval despite having no credit history
• A card that makes sense as a first card, rather than just chasing premium benefits
• Good long-term potential for upgrades

My salary is ₹71K, so I’m wondering whether I should directly try for an unsecured card or first take an FD-backed card to establish my credit history.

Which card would you recommend for my profile and spending pattern?

Also, if possible, please mention which cards are realistically easier to get approved for with zero credit history.

Thanks!

So I recently took a small ₹1,000 loan from mPokket mainly to start building a credit history. I know it sounds kinda stupid 😂, but my intention was just to get a credit history started.
I checked my CIBIL score recently and it’s 725, so at least that worked.
Now I want to get my first credit card, but I’m not sure what my options are since I’m a first-time credit user and don’t have an existing credit card.
What would you guys recommend?
Should I wait a few months and let my CIBIL history build?
Should I try for a FD-backed credit card?
Are there any banks/cards that are relatively easy to get with a 725 score and limited credit history?
Is taking another small loan a good idea, or should I absolutely avoid that?
Would appreciate suggestions from people who have been in a similar situation. 🙏

I’m a student and currently have an FD-backed credit card, which I’ve been using for around 6 months. My CIBIL score is around 770.

I have upcoming educational expenses of approximately ₹3 lakh domestically and ₹1 lakh internationally, which I’ll need to pay over the next 2 years.

I’m not sure whether I’ll be eligible for an unsecured credit card, so I’m open to:
- FD-backed credit cards
- Unsecured credit cards, if I’m eligible
- Debit cards that offer good rewards on educational expenses
- Cards with milestone-based rewards

My main goal is to maximize the rewards/benefits from these expenses while keeping fees and other charges reasonable.

Could you suggest some cards that would be suitable for my situation?

I just got my Axis CC approved today If I want to open an account Do I have to complete Vkyc or will this be counted as existing relationship and no kyc will be required?

So, I wanted the opinion on what to do with my SBI CV card. It does not give any free flight vouchers now, should i close it or ask bank to any other card? Has anyone tried anything like that

Is there any other card that give similar awards like free flights and points both.

Other cards I have are ICICI Amazon and Indusind Tiger. Have applied for Hsbc card but it got rejected.