I have been using various credit card since 2015 and I currently have 8 active credit cards of different banks. Now I have got both amazon icici card and hdfc millenia card approved just 2 months back. The amazon card is so good and rewarding that I am using this card as primary.
@lxst7602 Жыл бұрын
Is there any benefit or disadvantage of having multiple credit card. Asking cause i have no idea if i should consider getting a credit card.
@awwush Жыл бұрын
same ques
@saurabhjuneja45402 жыл бұрын
1. HDFC infinia 2. Amazon pay ICICI 3. One card 4. Flipkart Axis 5. Yes first exclusive 6. ICICI platinum 7. Zomato classic edition All are LTF and I'm enjoying using all of them
@amanjhun1232 жыл бұрын
How u got infinia?? And how can infinia be ltf??
@sajalbasak66402 жыл бұрын
@saurabh Da , Reply kijiye.
@sajalbasak66402 жыл бұрын
@@amanjhun123 abhi tak reply nehi aya Dada se through other medium ???
@amanjhun1232 жыл бұрын
@@sajalbasak6640 no reply
@sajalbasak66402 жыл бұрын
@@amanjhun123 😓
@satyabratadhal2 жыл бұрын
Yeh kya Bata diya sbi 499+gst 90 amazon voucher 500. Kahan zero hua 89 to laga na. Title likhe ho lifetime free, to Yeh sbi kahan se free Hai.
@ankitpatel06982 жыл бұрын
Aap akhand hutiye ho satyavrata ji 🙏
@AnkitSharma-xd3mb2 жыл бұрын
Aapke ghar agar gas ka cyllender aata hoga 999.96 aap zaroor 4 paise mangte honge.
@satyabratadhal2 жыл бұрын
@@AnkitSharma-xd3mb nahin 1010 deta hoon. Jo leke aata hai usko kuch paisa deta hoon. Iss video Mein sbi ko agar include kiya hai...to market Mein yese bahut saare credit cards hai waive off of annual fees. Gst component is seen as minimal for 500 but for cards of 2k or 10k annual fees, it can be a large amount. When you are saying top 4 free credit card, the lady should not consider sbi.
@satyabratadhal2 жыл бұрын
@@ankitpatel0698 Akhand nahin Maha hutiya hoon. Jo bewakoof banayega usko to main nahin chodunga.
@satyabratadhal2 жыл бұрын
@@AnkitSharma-xd3mb rounding off is not same as gst. Kya aap cylinder ka 999.96 ko 1100 karke dete ho?
@hardikharsh36192 жыл бұрын
Best channel for overall financial knowledge.. Simple and accurate
@s_k_472 жыл бұрын
Just for info - SBI card have dropped giving reward points during sale period from 1st dec i.e if there is currently sale going on amazon for sbi card so we wont get rewards for amazon transactions during sale period
@vishal.choudhury2 жыл бұрын
SBI is good for EMI transactions only.
@prateeknarayan78812 жыл бұрын
Having all cards excluding idfc i can say you r right.. Best & amazing cards.
@rohanyadav68032 жыл бұрын
Same here broooo... I have sbi n icici ...
@uk04sunny972 жыл бұрын
apka video dekha turant apply kiya amazon pay icici credit card turant 50000 limit k sath card aprove ho gaya
@Vinay8484Studio2 жыл бұрын
4 mein se 3 hai... 🎉 Superb cards..
@Cyamvlogs2 жыл бұрын
जब credit कार्ड ,lifetime free है तो बाद में उसका annual चार्ज क्यों लेंगे ?? 500 -1000₹ ??? ये तो गलत बात है ना
@ronaklimbachiya8338 Жыл бұрын
Ye to achha h but sabse acha or in 4 me se best konsa credit card best?
@anilkumarsharma63432 жыл бұрын
You give very helpful and practical knowledge and you are also very cute..👌
@sugandhadogra17812 жыл бұрын
Life tak se yahan tak ❤
@yashtrivedi12722 жыл бұрын
Effective 1st October, 2022, a convenience fee of ₹99 (plus applicable taxes) will be levied on redemption of Reward Points
@surekhamhede2 жыл бұрын
You missed Axis Ace, it gives 2 percent cash back everywhere.
@jjstechworld64262 жыл бұрын
But that's not LTF....
@JP_Kumar2 жыл бұрын
Waise sbi & hdfc wale bhi nhi h
@nilsong19022 жыл бұрын
@@jjstechworld6426 To SBI aur HDFC konsa LTF hai 😂😂😂
@jjstechworld64262 жыл бұрын
@@nilsong1902 Hdfc hote hai na LTF for select users...SBI me free jaisa kuch v ni h..
@olifern2 жыл бұрын
I think citi indianoil and the amex cards have been really rewarding along with the ones you spoke about. For me both these, are almost free. Amex most of the time waves off my annual fees. Citi ioil is lifetime free anyways. For rewards on the citi I get free fuel, so I just need to fill fuel with the citi ioil card at a ioil petrol pump, I get a sms to convert that purchase into a reward points purchase i.e free fuel
@dhamult00762 жыл бұрын
btw how much joining and annual fees?
@dhamult00762 жыл бұрын
quit intresting
@olifern2 жыл бұрын
@@dhamult0076 they made Citi ioil lifetime free for me
@verticillaster2 жыл бұрын
@@olifern how .. u talk to citi branch manager??
@Kidvideos19972 жыл бұрын
@@olifern how ?
@healyou42432 жыл бұрын
Asli Maja tou toll plaza wala bekifayati tha😄😄
@souvikban832 жыл бұрын
Where is the flipkart Axis bank card? 5% cashback on flipkart and 1.5% on any other online purchase, also cashback directly credited in the bill.
@manishcreation33072 жыл бұрын
Mam esa card batao jo bina ITR aur bina Salary slip k mil sake esa card hai kya?
@anupagarwal64522 жыл бұрын
Just to ask agar free card banwaliya or use may nai aa raha ho toh kya humne kuch extra charge pay karna padega ya card block ho jayega
@rohanyadav68032 жыл бұрын
Sbi simply click has joining fees + annual fees (500+500) ... U can get it back 500 when I join ... 500 when u spend 1lakh in a year ...
@HarishKumar-en6eb2 жыл бұрын
IDFC is best but I think it is delivered in metro cities. It is even not available in AGRA AND KANPUR where IDFC has it's own branches. So it is very hard to obtain it in these areas.
@dipanshukhandelwal22862 жыл бұрын
Can you share the sheet in which you collected the details of all the credit cards?
@AJITHNKALE-cg5qk2 жыл бұрын
Amazing video. Keep up the good work💯🙌
@For._.Everything2 жыл бұрын
Got HDFC _--_*_MILLENIA_*_--_ credit 🤩 💳 card with 75k total limit
@atulpandey65002 жыл бұрын
Don't understand why you missed on some obvious greats like hdfc regalia, yes first exclusive, idfc wealth, amex membership card and selected a paid SBI card 🤣 For most cards annual fee is waived off if you spend upto a certain extent but that doesn't make them life time free credit card. Lifetime free cards remain free no matter how rarely you use.
@PrinceKumar-ji6xp2 жыл бұрын
Exactly
@whatsupvideos76732 жыл бұрын
Nice video...keep itup. Informative as well not boring.
@nbh3132 жыл бұрын
Kya koi intrest charge ya hidden charges hote hain credit card usage main
@arnabbaishya73132 жыл бұрын
I subscribed your channel to see your face😄 damn cute
@sandippal27332 жыл бұрын
Axis flipkart card best h, bcoz sale time it gives 10%+5% cashback
@thenoshow2 жыл бұрын
Thanks dear for info I love your voice
@udaygupta69342 жыл бұрын
good research work truly yaar
@SomnathDas-fg2qc2 жыл бұрын
Isme se agar koi v credit card mai lena chhata hu to ye jaruri h kya us bank me normal saving account ho, ya fir saving account nhi hone se v mai credit card us bank ka le sakta hu?
@narutozmk1722 жыл бұрын
Wanted to know, if we take a lifetime free credit card, how can company start charging us annual fees after that? Will that be only for new applicants? or all?
@bekifaayati2 жыл бұрын
If they start charging annual fees, that'll be for all the card holders
@narutozmk1722 жыл бұрын
@@bekifaayati then that would be unfair and a lie. Right? Lure people in with lifetime free claim and then change it
@bekifaayati2 жыл бұрын
@@narutozmk172 you always have the option of closing that card in case something like this happens 🙏
@satyabratadhal2 жыл бұрын
Companies will charge for new applicants. When offer is for the time period you applied, it will be as per the offer. They have to overlook their business. Otherwise ppl will lose trust on the company. Icici coral and platinum are lifetime free for some and for some ppl they are chargeable.
@vincentjr80132 жыл бұрын
@@narutozmk172 they can do it because , i think somewhere in terms and condition they may have mentioned that they can change rules any time if they want 😂
@NickBortisaaggy182 жыл бұрын
How does a company make money by giving no-cost emis, zero joining and annual fees?
@jeetpradhan70702 жыл бұрын
I think you should include Axis Bank Ace credit card also. It has really good features and cashback offers.
@satenderkumar11942 жыл бұрын
Wo bnd kr diya bhai bank ne ..ab nhi mil rha. Maine pucha tha bank walo se yhi reply Mila
@nilsong19022 жыл бұрын
Axis has very bad policy 90% percentage rejection rehta hai
@nirmitgandhi32082 жыл бұрын
@@satenderkumar1194 yes they have replaced this card with Airtel axis card
@praveengampa2 жыл бұрын
@@satenderkumar1194 Now they started again i applied and got yesterday only
@verticillaster2 жыл бұрын
@@praveengampa what's the full procedure
@healyou42432 жыл бұрын
@Bekifayati mam. .kya ye cards ke liye har Bank mei account hona padega
@ajayvarma64002 жыл бұрын
Very unique content. Thank you and God bless
@nishadsubair7749 Жыл бұрын
Thank you well explained 😊
@StarStrangelet2 жыл бұрын
best card is amazon pay icici credit card your rewards directly come to your amazon account every month. in sbi cards you can only redeem rewards if reward points exceed 2000 pts
@manojkumarbhagavatula Жыл бұрын
Great content mam, I think on basis of this 1st card is good by the way pl. improve your video quality though
@PrawinTV2 жыл бұрын
great info and your videos are very interactive all the best and thank you for sharing valuable information
@shivanshsaini52752 жыл бұрын
If used carefully ans smartly, credit cards are a money saver
@muhammad.yaqoob2 жыл бұрын
Flipkart axis card zyada kifayati hai ya amazon pay icici?
@gautamsehgal82612 жыл бұрын
Is it necessary to have a bank account in these banks to get a credit card or can we get a credit card without opening the bank accounts?
@aravind432 жыл бұрын
I too have the same doubt
@sumitgaur092 жыл бұрын
I have all these cards. Sbi simply save is the one which I kept from last 9 years.
@verticillaster2 жыл бұрын
Save is fir groceries n clik is for electronics purchase
@03ashubham12 жыл бұрын
Great content, also try to mention reward points redemption value for each bank.
@mukulsingh36712 жыл бұрын
Agar jiske paas koi job nhi hai wo bhi apply kar sakta hai kya?
@rishabhchauhan6219 Жыл бұрын
Good, Keep it up.
@krushnarajsinhjadeja41032 жыл бұрын
SBI Simply Click Credit Card se LIC ke premium pay kr skte hain? Means ke kya usme rewards points milege?
@N1SHIKSHA10132 жыл бұрын
I love you ❤️ be kifayati girl..Beena mekeover ke itni sundar kaise😍
@the_wanderer_singh Жыл бұрын
Amazon wale to dete he nhi 2 baar apply kr diya, cibil score bhi 720 hai, pata nhi what is wrong with these people
@SaITel122 жыл бұрын
SBI se 1 year mei 1 lakh.. Mere 1 year salary is 1 lakh per year
@RamakrishnaNKamat2 жыл бұрын
to own this 4 cards for free we need to spend 2.5 lacs annually using these cards😂
@mr_anand_parekh2 жыл бұрын
It was good video, Can you check that upon closure are there any charges or not?
@drudaybhushansharma58112 жыл бұрын
Have been using sbi simply click cred card. No benefits only hidden costs.
@Paranom.Cultxx Жыл бұрын
Meri Salary 18K he Bas 😭 but Cibil score 821 he
@suparasjain96652 жыл бұрын
If we take hdfc credit card then after spending of minimum limit of 30000, is one time or we have spend minimum limit every time
@md_aasif_anwar2 жыл бұрын
ICICI Platinum and Flipkart Axis Bank is also free credit cards.
@jeevandsouza27692 жыл бұрын
If we enter during Lifetime free ? From next year if some AMC introduced is it applicable to us?
@sanatani_bhartiy2 жыл бұрын
Mera abhi credit score build nahi hua, to muze koi credit card milega kya
@sklelectronics62392 жыл бұрын
Very nice and lots of knowledge . love from Patna Bihar ❤️
@MayankKumar-og9sd2 жыл бұрын
Mam jyda credit cards rakhna shi h ya nhu
@alfaizilahi75929 ай бұрын
Maam what is the procedure to apply all these cards? i knw at a time we need 1 card but I'm just wnna knw all the cards process of applying.!! So that i choose 1 in all of them.
@mdahmed3608 Жыл бұрын
My favourite is HDFC Melina, Card to Card Basis It will be a life time free😅
@vincentjr80132 жыл бұрын
Hi , applied for amezon pay card but got rejected because of address location i think, can i get a credit card if i live in bikaner rajasthan? Or is there any way to change adress or if i am staying in a rented house in delhi can i use that address for application , but how i will show a address prof for that ?
@murtjaali91812 жыл бұрын
You don't need to verify address. In vedio kyc they will verify adhar no and pan card. No physical verification. They will verify your current location, that should be match with either your working address or adhar address.
@murtjaali91812 жыл бұрын
You don't need to verify address. In vedio kyc they will verify adhar no and pan card. No physical verification. They will verify your current location, that should be match with either your working address or adhar address.
@rj76862 жыл бұрын
How many credit cards do u have??
@NarendraMnr2 жыл бұрын
I'm surprised 3 of my cards in the list ;) Except the IDFC. Applying now!
@my.orange2 жыл бұрын
👉 *Agar millennia credit card aap category mein rakh sakte hai tho Axis Bank ka FLIPKART and ACE credit card kyon nahin Rakha .* 👉 *AAPKA JANKARI ADHURA HAI .*
@bekifaayati2 жыл бұрын
Millennia is atleast 2 notches better than Ace or Flipkart 🙏
@dineshgurjar35262 жыл бұрын
Mam mere icici ka credit card h 34900 ka koi itam liya tha ek din let hone pr 4390 Rupye charge laga diya Iska kuch solution he kya?
@sachinallexplorevedio12892 жыл бұрын
Your voice is excellent🥰🥰
@abhisheknarayansingh62452 жыл бұрын
Fantastic information 👍🏻👍🏻
@stevenspellberg2 жыл бұрын
Please make video on how to plan finances better for new professional
@Ajay_Patel__ Жыл бұрын
Amazon card Flipcart pe use kar skte kya..?
@steadlex428 Жыл бұрын
ha
@Rudresh18022 жыл бұрын
500 rs voucher vs 500 + gst charges. So, no. It is not a "free card" since the gst amount has to be paid from our pocket.
@RupinderDhamija2 жыл бұрын
1:50 joining fee with have 18% gst. Amazon voucher will be 500 only
@RohitParmar922 жыл бұрын
Out of 4 i have 3 life time free cards.
@kallolmondal57682 жыл бұрын
Dear sister, please make one video on HDFC Bank fraud policy. How HDFC Bank manipulating customer CIBIL Score intentionally...
@kallolmondal57682 жыл бұрын
Unlike others bank HDFC Bank not sending customer's full Credit card limit to Credit bureaus or CIBIL. But it is one of the top most important thing to make proper Credit score. Because it helps to calculate Credit utilization rate which has highest impact in Credit score. As CIBIL not getting Credit limit they are calculating Till now highest credit utilization as Credit limit. So customer credit utilization will be always very much higher than actual. Sometimes may be 100% also. I have emailed them but they are not agree to send it. Normally answering: "our bank don't send it". BUT THIS IS ILLEGAL. I am showing you how it is happening and what is the Negative Side For customers and Others Bank.
@kallolmondal57682 жыл бұрын
FOR EXAMPLE: One Customer Credit card has Rs.1,00,000 limit His present Due amount: Rs.7,500. Till now his highest utilisation amount is: Rs.10,000. Now what will the RESULT: 1st: In others bank (SBI, ICICI,Axis Bank etc) His credit utilization rate: 7.5 % which is not only good it is excellent to build excellent Credit score. 2nd: In HDFC Bank case His credit utilization rate: 75% which is not only bad it will ruined his Credit score. As below 30% utilization is always recommend to build good Credit score. Where his original utilization rate is 7.5% only but here HDFC bank very cleverly making it 10× higher. And he is becoming a customer who is Over dependent on Credit. But actually he is not this.
@kallolmondal57682 жыл бұрын
Now telling you How and Why they are doing this: Because if they don't send full credit limit to Credit bureau by default bureau calculate till now your highest credit utilization amount as Card limit. So his utilization rate will be always greater than the actual. Which is INJUSTICE. Because it will decrease his credit score even after making 100% on time payment. As per credit bureau he will be treated as Over dependent on credit for your fake high utilization rate. So other banks will not be able to take right decision to give you loan because of your poor credit score although you are a very good customer. But at the same time HDFC only knows your full customer details. So this bank will say I can give you loan no problem. But as your Credit score is low so you have to pay higher interest rate. This is very illegal policy.
@saikumarg52292 жыл бұрын
Video is good , but can be more detailed like hdfc millennia card has limit of monthly 1000 cash back like this important stuff
@vilaspawar89432 жыл бұрын
Good information. My choice. SBI
@ANUJSHARMA-lk2ll Жыл бұрын
Mene Amazonpay icici card k liye do bar request Kiya per dono Barr unho ne reject ker diya . Mera credit score 760 firbhi
@ANUJSHARMA-lk2ll Жыл бұрын
Or ak bar reject hone k bad 6 month k badd hi apply ker sekte hai .
@aryanbaadshah50102 жыл бұрын
PLEASE MAKE A VIDEO ON BUILDING CREDIT SCORE 🥺
@cardwaalebaba2 жыл бұрын
You can check this video on my chanl
@atulmits2 жыл бұрын
Free credit card do not mean you have to spent some money like 1 lakh.
@danish0420 Жыл бұрын
Unlike other credit card it's reward points are not expired... There is approximately no credit card whose reward points gets expired
@shubhamtondak25322 жыл бұрын
befifaayati paid cards kaa bhi bta do data toh already hai aapke pass
@vamshichalla13362 жыл бұрын
Your hair is too beautiful and thick 💕💕it's so thick and voluminous
@satishpatro2 жыл бұрын
Really. Nice topics
@shivamkolhe75902 жыл бұрын
Is HDFC Regalia CC a better option to go with??? Any suggestions?
@Aman123532 жыл бұрын
My credit score is 725 and my monthly earning is 40 to 60 thousand which card I should get
@PrinceKumar-hj7in2 жыл бұрын
Hello, dear can u tell how I can earn from credit card without using single rupee??
@kallolmondal57682 жыл бұрын
Madam, millenia card free hota he after ₹50000 spend in 90 days. Not ₹30000. Give proper information please.
@chinmaygrover60152 жыл бұрын
Really informative video ...!
@keval_yt2 жыл бұрын
If there is fee then why clickbait-title of Life time free🤦🏻
@yashmishra1251 Жыл бұрын
After joining my first company, hdfc offered me millenia card with LTF and no joining fees
@lxst7602 Жыл бұрын
Is it good?
@SirGadwalls Жыл бұрын
Apply करने जाओ तो 100 पछड़े दिखाते हैं। IDFC आपसे मांगेगा 2000 on fd और credit limit देगा ₹2000। बस 🤣
@vivekd0052 жыл бұрын
mai to chaaron hi lene ki soch rha hun😂😂
@rameshsuthat1572 жыл бұрын
Very good
@Ankush.192 жыл бұрын
For HDFC MILLENIA Credit Card, You have to spend 50K within 90 days not 30K then it will be Lifetime Free.
@jayeshsharma37932 жыл бұрын
Correct bro
@karanpratapsingh87122 жыл бұрын
This card will only charge 9@15 interest if you are not able to pay the payment on time what was this i didn’t understand can any one explain me
@memesurgeon82712 жыл бұрын
Thumbnail mai to red t shirt thi Isliye to open Kiya video
@hardikmody90242 жыл бұрын
Got my AmazonPay ICICI credit card delivered today. Just want to know - is there a dove 🕊️ logo on the back side of your card?