Now many people have credit card in India and I am one of them. To get credit card there are many banks. All the credit cards work in same way. But there are many type of credit cards. On HDFC bank site there are 15 type of credit cards that you can apply to get one for you.
I canceled my ICICI bank account because their debit card was unable to verify my PayPal account. I was unable to renew my web hosting account with ICICI debit card. It was useful for online mobile recharge only. Most of my friends know I have a prepaid Reliance CDMA. ICICI agent promised, you will be able to do everything online as one can do with his credit card. The only difference is you will not have credit, but you see what happened. I thought if my ATM-cum-Debit card from SBI does the same job why should I have minimum balance of rupees 10,000/- in ICICI.
I registered my hosting account using credit card of one of my dad’s friend. And next year I had my own credit card hopefully. I was able to manage credit card again from one of dad’s friend’s to renew my hosting account. But having one of your own credit card is 100 times better.
I tried to get a credit card in my nearest SBI branch that is close to my society. But the officer started talking about F.E.M.A., F.E.R.A. and NRI banking. I thought what the hell officer is talking, he was misguiding me. This is the problem in India. If something is possible still you can not get that. Because no one will tell you about the process.
I decided to visit main branch of SBI in Ahmedabad city, that is also international branch in Ahmedabd for SBI bank. There someone told me to go to 10th Floor. When I reach there someone told me to go to 3rd floor, when I reached there someone told the section has been shifted to seventh floor. I told enough is enough and then my voice was not in good manner and the officer started speaking in English (it is not my duty to get a credit card for you) because I was speaking in Hindi, I mostly speak in Hindi wherever I go. But I saw he is speaking in English I also started in English then he become quiet. He dialed a number and told me to go to 4th floor and ask for Mr. X. Mr. X was cheerful person talking very gently and using word “Sir” for me. I told him my problem and he told “let me check in PC for rules and requirements”. I told no problem, the he took half an hour to find the file with the help of another one. Finally he find the files and told me you should having a minimum 0f 50,000/- rupees transaction quarterly to get a credit card. That was the end of my hopes and dreams.
Thanks to one of my my friend, he was trying to get government job and he successfully passed in all the aspects of SBI banking exams. Now he is in an SBI branch that is near to his home. He told me it is possible to get credit card without qualifying all the aspects.
I already have a SBI savings account, I had to manage only 10 thousand rupees, I told my friend I can manage to get 50 thousand if I am going to get a credit card. He told me don’t worry 10K is enough. It was really a breath of relief.
When I was choosing my credit card, I was illegible to apply for any one of three type of credit cards, but he suggested me to select advantage SBI card. Because that is for students only and hopefully I am still a student. As a student you get additional benefits.
To get my credit card I visited my friends SBI branch with 10 thousand case in my pocket, my original driving license, original PAN card, my election card, my latest passport size photographs and my SBI saving account pass book. But they need only my photo, driving license, pan card and passbook. I got a form and in 15 minutes all the process was complete. In next 10 days I had my credit card.
I have deposited only 10K so I have only 9K credit limit per month. Next year I can increase it.