r/CreditCardsIndia • u/InternationalHat682 • 8h ago

General Discussion/Conversation Hey! Got my first ever cc

Post image

Did anyone use this card from sbi, how to get the maximum benefits? Help!

62 Upvotes

92% Upvoted

54 comments sorted by

13

u/SufiSaint_ Maximizer 8h ago

Tell us more like when and how you applied, what's your age, credit score, etc

8

u/InternationalHat682 8h ago

Applied only this month, I am 25 yrs ma credit score would be 790 I think, last time checked

2

u/Strict-Background189 Maximizer 5h ago

Are you employed

1

u/InternationalHat682 5h ago

Yeah bro

1

u/Strict-Background189 Maximizer 5h ago

Salaried or business

1

u/InternationalHat682 5h ago

Salaried

1

u/Strict-Background189 Maximizer 5h ago

Well me being self employed sbi7rehectd this card, why dint you went for sbi phonepe black

1

u/InternationalHat682 5h ago

Idk abt that card bro

1

u/Strict-Background189 Maximizer 5h ago

Don't you use phone pe

1

u/InternationalHat682 5h ago

Just googled & it suggests me this as a entry level card alongside with simply click

2

u/Strict-Background189 Maximizer 5h ago

Sbi phonepe black is premuim level card yiu could have got that one as you're salaried threshold is lower. Now wait for 2 months then see

1

u/p_pawar19 5h ago

I wasn't even employed ,then also sbi gave me this card.

1

u/Strict-Background189 Maximizer 5h ago

How

1

u/p_pawar19 5h ago

Nothing much I think , I had a good history with sbi. Mom regularly transferred my pocket money, college fees etc. into this account.

Now I have got a job , I will try to upgrade it.

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1

u/MintyHuggle 1h ago

same situation over here, still learning the tricks with my first card too

7

u/Calamitychaos_ 8h ago

Use for Instant Discounts. If you are not getting a savings of more than 1000 from this card in a year, upgrade to better SBI cards like cashback card and close simply.

2

u/Old-Resource8332 7h ago

even i have the same card got it one month back salary account my age is 21, cibil shows 788

1

u/Calamitychaos_ 7h ago

You could have opted for Visa for visa offers. Not much with MC

1

u/so_orz 7h ago

Why close it? This can be used during amazon sales since SBI cashback is excluded.

1

u/Calamitychaos_ 7h ago

As I already mentioned, close it only if savings are below 1000 annually considering the card has an annual fee of around 600.

Don't forget to get the visa poshvine offer.

5

u/lundbunty Cashback is King 7h ago

Best use of this card is for instant discounts on online sales

3

u/Plastic-Swordfish279 7h ago

First CC enjoy using it to Manage Your Payments by using this as a Channel to pay. Nothing else..

2

u/Karmabots 8h ago

If you buy during the Amazon Great Indian sale or Big Billion day, you get good offers. But they are not this card specific.

2

u/GrandAd4702 8h ago

My father have this card from about 10 years, this card does not have any great use and honesty this card is so outdated, it doesn't have any benifit you get 1 reward points per 200 spent and you can redeem that reward points either for gift cards or coupon or convert it to card balance. 4 rewards points = ₹1

2

u/so_orz 8h ago

I have the same card but rupay version so i can pay on local merchants as well and get like 1.66%

1

u/Top_Intention_4003 8h ago

Nothing below 150 rs

1

u/so_orz 7h ago

Yes, but do you get that in Mastercard version?

1

u/Top_Intention_4003 7h ago

The network doesn't matter, reward rate is same for all variants 

2

u/FriendshipNo7239 8h ago

Hey congratulations OP babai 🎉🥳

2

u/abolem 6h ago

Applied thrice for this and got rejected😅

2

u/Intrepid_Fill_5348 2h ago

Congratulations

2

u/luminancelightnext 8h ago

Trash card

5

u/STARK_VADER-1 7h ago

It's a practical card for offline sprnds

1

u/KolaholShobdo 8h ago

congo OP

1

u/Individual_0001 7h ago

Why did you not consider SimplyClick? & What's the approved limit?

2

u/InternationalHat682 5h ago

I applied many and got rejected so I just tried this one, credit limit got 2L

2

u/Individual_0001 3h ago

You've got impressive limit but I think SimplyClick would have been better

1

u/Forsaken_Earth_6332 7h ago

Peeche wala side post kar bhai

1

u/InternationalHat682 5h ago

Ehh, no chance 😅

1

u/vsx007 Cashback is King 3h ago

Cut it and throw it away but before that upgrade to a better card like cashback or premium sbi card. Also, if this then better get simply click. Far better for online spends. 

1

u/drunkaf1 3h ago

Even I have this, how to apply for upgrade

1

u/Several-Secretary751 14m ago

Anyone bought SBI Google Pay Flex CC?