Paanch slide. Ek minute. Uske baad aap galat card nahi lenge.
Lifetime FreeVisa
••••••••••••0001
Koi annual fee nahi
Rule 1
₹0
Lifetime free se hi shuru karo
Pehla card seekhne ke liye hota hai, kamane ke liye nahi. Agar pehle saal kuch galat bhi ho jaye,
to kam se kam fee to nahi bhari.
Fee wale cards tab lena jab aapko pata ho ki aap saal me kitna aur kahan kharch karte hain.
Amazon Pay ICICIVisa
••••••••••••5108
Lifetime free
IDFC FIRST MillenniaRuPay
••••••••••••6134
Lifetime free
Do options
Do cards jo sach me free hain
Amazon Pay ICICI — koi joining fee nahi, koi annual fee nahi. Amazon pe Prime walon ko 5%, bina Prime ke 3%.
IDFC FIRST Millennia — bhi bilkul free. Dining, travel aur international pe 10X reward points.
Dono me se ek chuno — dono ek saath lene ki zaroorat nahi.
Rule 2
30%
Limit ka 30% se zyada mat use karo
Limit ₹50,000 hai to mahine me ₹15,000 tak hi kharch karo.
Credit utilisation aapke CIBIL score ka 30% hissa hai. Limit bhar ke use karna score ko
neeche khinchta hai — chahe aap poora paisa time pe bhar dein.
Rule 3
"Minimum due" ka jaal
Bill me chhota sa "Minimum Amount Due" likha hota hai. Wo bharne se card band nahi hota —
par baaki poori raqam pe interest chalu ho jaata hai.
India me credit card interest 18% se 45% saalana tak jaata hai. Ye sabse mehnga udhaar hai.
SBI Card ke MITC me ye 3.75% per month = 45% saalana likha hai.
Hamesha Total Amount Due bharo. Har mahine. Bina exception ke.