Credit Card First Timer | Need Guidance

@Sushubh yup two main reason,
1. I may apply for a joint home loan next year with my mother. So need to get her a good CIBIL score to be eligible for a higher loan amount.
2. Need another good CC to reap benefits. I applied for Axis Ace CC as it had good cashbacks on Zomato & Swiggy (before devaluation).

@Smh yup thinking to try again at the bank with her salary account. Need to think about SBI CC though. The branch agents leak the data for scammers/spammers ?

@Jonas well don't want to get the CC against FD as it blocks the FD amount for some days.

@vishalrao on Axis web we cannot select Ace CC. It's exclusive to Google Pay. Since my mother is working women, her office timings overlap with the bank timings. She have to take a day off just to go to the bank. So want to avoid bank visits😅
 
I don't usually recommend BNPL schemes. However, buying items worth less than Rs.500 per month for just 6 months via Amazon Pay Later helped a homemaker to build CIBIL over 750. From there, it is easy to get unsecured credit card (for a working person).

Getting Canara Bank CC is the easiest option as it provides pre-approved CC offer (only) for salaried people.

Any credit card can be closed at any time within 7 working days of informing the bank that should provide multiple channels for closure. There are strict rules around CC closures. So, no harm in getting Canara Bank CC as the first unsecured CC.
 
I applied for HDFC CC for my mom twice(6 months gap) and it got rejected citing stupid reasons. Her salary account is in IDBI bank, she also has a savings account in HDFC(fairly new). We submitted her salary slip and other required information, they even sent a verification agent to our house for verifying the address but she got a rejection email citing it doesn't meet the internal policy which is BS.
I am a HDFC CC holder and my salary account is also HDFC so it was very easy for me to get the Infinia CC last year. It's always a gamble with HDFC credit cards, they might reject your application for stupid reasons. I even escalated it to their grievance redressal team and they came up with some stupid reason to reject her application.
 
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