Sad Reality of Lifetime Free Credit Cards
Вставка
- Опубліковано 10 вер 2024
- The sad reality of lifetime free credit cards:
Limited rewards and benefits!
Free credit cards often offer limited rewards programs or benefits compared to their fee-based counterparts. You may miss out on earning valuable cashback, travel points, or other rewards that could have offset the annual fee of a different card.
Kis kis ko ladki se pyar ho gya😂........
Gandiv 😂😂
kapdo se ho gya!!!
Tujhe
❤❤
Humko ho gya
yaar she's so cute..dil jor se dhadak raha hai..❤️😍🤤
Mere pass iska number hai chaiye ?
Tatti bhi krti hai wo. Chahiye??? Grm grm
Kuch der baad dil bahar bhi aa jayega😂
ltf cards are useful if you just want to avail instant discount on products. atleast try to have 1 ltf card of all the banks and one primary card (which can be paid as well) for all your other spends to maximise rewards.
Why u want ltf when u take paid credit card, as the return are more in paid cards
@@neerajg6976 because he is smart and you’re dumb
@@neerajg6976 LTF cards like Amazon pay card has extremely high returns. No other card can match Amazon pay card in returns. Also, having ltf cards of every back is useful when Flipkart, Amazon etc offer 10% discount for cards of different banks at different times
Having ltf card as ur first card is actually good coz the longer u have ir first card without being closed, the better could be your cibil score
7 saal se #HDFC money back hai.... use hi nahi karta mein bhi... Ro rahe hai bank wale 🤣😂
Kitni limit kiye hai 7year me😂
Eshsaan hai #Hdfcbank ka mera par .. 😂🤣
@@vibrantmove8116 ji 15000/- limit money back LTF de kar 2year se limit nhi badha rahe isliye puchhA tha
@@HINDIBESTSONGS1 better to close such cards. I have money back too with 50k limit. Other cards give me 4-5 lacs. Hdfc is just shit.
@@nishilbright2007 ji apne sahi kaha itr and computison send kiya chennai phir bhi limit 15000/- other bank cc limit 1lac . Hdfc primery AC hai phir bhi itna kam limit
What a simple and beautiful dress
Mujhe toh ye ladki pe dil aagya
Card type accha hai
down bad
Utha le re baba 😅
abe chupp hojaa hiaad
😂😂😂😂 same here
Card bare main sochu ya apki bare main.. apko dekh ke to Dil ayega❤❤
Bhai mere bhi yahi haal hain
ICICI Amazon pay card
Axis Airtel CC
These two are best and value for money
Next Video me 7 to 8% upto 15% wale Card ka bhi example Dena , please
Fees bhi jyada rehta hain aur itne returns ke liye spend bhi jyada karna padta hain
SBI ka cards hai. 5% return on every spend par fees 1k per year.
@@happium4118 hdfc millennia credit card mujhe free mila h us pr bhi 5% de dete hain.
😂😂😂😂😂
@@happium4118 That spend is restricted to limited categories
Ache card ka example kon batayega 🤣🤣
😂
Bahut badmash ho aaplog😅😅
Not agree with you. I have hdfc millennia ltf card with has great benefits
yes but it's not something bank's give out if you're not eligible for it
Kaash tumari picture Mere CREDIT CARD pr hoti..........What a Charming face!
🤢meri sbnam ko line Marta hai
@@amanac7305 shakal dekh...apni ..."GHONCHU"
MAI USE 🔴THONKK....CHUKA..HU...
TABHI...WO hamesh 🔴skirt pahnkr rakhti hai....
Tu kya 🔴Second hand ke saath hai ab..
Hawas ke maulana
I got hdfc freedom credit card when I started my job as LTF but it is the basic card. And i have upgrade offer to moneyback plus but it would have annual fee. So I am not upgrading it, neither i use this card that much.
Also i heard people get Regalia and millenia card for LTF and here I am stuck with freedom CC. 😂
same i got money back at first with ltf.. i got upgraded with moneyback plus with charges. i stopped using it. People are getting regalia and millenia for ltf
I started with Moneyback for initial 4 yrs as LTFree, but now bank offered upgrade to Millenia card with 1st year free and next year 1000 fees but with 1 lakh yearly spends.
Card has 5% cashback on Amazon and Flipkart, Uber, bigbasket and swiggy
So 1 lakh spends happens, 1 reward = Rs 1
Yearly I earn Rs 5000 cashback on it approx.
Plus sale offer of 10% cashback on HDFC cards
@@urvbu27sh864 now I also got Millenia offer for first year free and then annual fee will be charged. I still didn't upgrade it.
I mailed the hdfc bank credit card department requesting them to give lifetime free offer but they simply rejected it. 😂
I guess I will be stuck with freedom card forever.
Also today I got agent call giving hdfc LTF cards, but when I say that I am already using it they said sorry because of one card per customer policy of HDFC Bank. Yes, it can be upto 3 now, one main card, one co branded and one UPI rupay card.
@@urvbu27sh864sale offer of 10% additional than 5% money-back ?
It means total 15% cash back ?
You used minimum 10-12 background for this shorts ..😂
App ki voice bhut achi hai app samjhte bhi bhut ache se😊
Editor deserve a raise
Owning your first card to be a ltf card is actually good, as one of the criteria of a good cibil score is the longer u own your first cc without being closed✌️
Usually in bank they are not interested to provide LTF rather they want to give a charge card
HDFC credit cards ka sabse bda fayda hai ki aap ka score kharab kr deta hai 😊
2 lakh ki limit hogi but credit bureaus ko 25k report karta hai or credit utilisation badh jata he
How to check these ki aisa hai, yeh detail kaise pata chal skta hai; I too have hdfc card
HDFC Bank has corrected this recently. They have started reporting the actual credit limit to the credit bureaus.
@@AlphaCentauri2 G Pay and AZ Pay have this feature built it. So, you would not need an extra app just to check your CIBIL score.
Some apps show Experian score like Jupiter and Cred, and it is not much useful.
Best cards with fee: axis ace, airtel axis bank ,axis freecharge plus
Best Ltf credit cards : amazon pay icici, one card,
I hve Amazon pay ICICI 😊
I have a icici, one card,
One card is worst.
As a credit card holder I totally disagree what ever she said I am using since last 4 years still not paid any xtra charges and get lot of instamt like Amazon Flipkart discount and flight booking discount and lounge and many more ❤
I got the HDFC Freedom card and have been using it for 2 years but the bank is not upgrading my credit card. In hdfc my card site, the millenia card is showing but my application is rejected twice after applying for it. Also this freedom card is not that great and the bank is charging a 500 Rs annual fee. Limit has increased by the bank substantially but the reward rate of this card is very poor.
Good information ❤
Wo sab Jane de
😮 bahut achi baat kahi apne
HOW TO POSSIBLE MARRY YOU MAM?
Aukat nehi ha teri kisi bhe ladki se shadi karne ki
Marrying a hot girl isn't achievement.
Ooh bhai shauk bhi nawabo wale!😂
Government job and lots of money
Ye bilkul sahi kaha apne@@vitadude5004
Ye kon sa card hai jo 8 to 15% de raha hai ?
haha mai bhi yahi puchne aya 🤣🤣
Chor n koi sa bhi ho ldki pyari h 💀
MBI (Modani Bank of India)
Most cards will get you more than 1 percent return
Nice Explanation ❤
aaj is lady mere dil ki baat keh di for not to buy credi cards of any bank
Have Bournvita
Legends Focus on goals
Started seeing your videos to take some free ka gyaan, but end up loving your voice. Gosh it's damn seductive;)
Please clarify, recently BOB offering LTF credit card but in some websites its showing one have to spend 10k within 2 months and 1.2L in a year for LTF offer.
LTF cards are great to get the good offers when they are launched then you cancel it after the offers are not attrective and then buy another new comer so you dont have to pay any fees or charges
Hdfc millenia credit use kar rha hoon and it's beneficial sab jagah offer milta hai.
Provide good info not bad.
School Fee can be given through credit car
Hsbc charging 300% fees within 2months of time do not take credit card from hsbc
RBL ne bola free card hai aur Annual 1500 Rs charge laga aur fir,, Mujhe charge laga hai 1298 ka AFter 6 months use 😥
Video kis bare me tha mai bhul gya. Cuteness overload
MDR would be 1 - 1.5% same as my benefit? We both are equal?
I need to ask a question... Standard chartered bank issued a credit card without asking me at the time of opening my salary account now the card isn't activated yet so if I close the credit card will it affect my credit score?
If credit card is issue without your consent why can't you file a complaint in rbi ombudsman always bank try to avoid closure of credit card because is money making card for them
Acche cards konse hai jispe 7-8% returns 15-20 % returns hai ??
भई banks शुरू से ही premium cards तो नहीं दे सकते ना । LTF cards से आप अपना CIBIL बना सकते हैं । फिर धीरे धीरे जैसे जैसे income बढ़ेगी और spends बढ़ेंगे cards upgrade भी होते हैं । अगर banks शुरू में LTF cards ना दें तो क्या axis reserve जैसा card दे दें ? ऐसे वीडियो की आपके channel से तो उम्मीद नहीं थी
Bilkul sahi baat hai but cards ko upgrade karne waali janta bahut hi kam hai. Mostly customers apne purane cards hi use karte rehte hai jab ki unki income aur spends badh jate hai. Upgrade na karne ka reason yehi hai ki purana card LTF mila hua hai and chote mote benefits mil hi rahe hai. Assuming ki ek person same hi entry level card 10 saal use karta hai jis duran uski spending 50-60% se badh gayi hai. Toh inka return diminish hi hota rehta hai. Bank MDR level par hi asani se aese customers se profitable hi jata hai.
@@CardAcademyAgar customer jagruk nahin hai to har kahin thaga jayega. Credit card industry is no exception. If people don’t insist on upgrading their cards with time they will be losers.
bhai koi batayega fake credit card information use karna legal hai ya nahi youtube 2 months premimum ke liye mujhe use karna tha
mujhe aaj tak wo card nahi mila jisme return 7 se 20% milta hai
Milna to dur mene suna bhi nahi ki koi aisa card bhi hota hai
Thank
It's usefull for high spenders not for normal spenders
That's ok but even if we're using that LTF card, then how's the bank making money from it?
Amazon ICICI card is best LTF card
Agree
Kyu Wrong information Faila rhe ho.....icici Amazon pay card, Flipkart axis card LTF hai or sbse best card hai in return 😮😮
Flipkart axis free nhi h. Wo logg 2-3 saal mai 1 mahine campaign krte h LTF ek mahine k liye. Bass kuch hi logg le pate LTF. Maine liya tha 15k ka limit mila and 590rs annual charge so maine band krdiya
Flipkart Axis Bank credit card gives 5% cashback❤❤
How to get secured credit card??
With no joining fees
No annual fees
I've 1 cibil socre🥺
Maximum FD 5000
PLZ SUGGEST ME🥺
15% Return Konsa Card De Ra India Me Didi Jo Middle Class Ko Mil Raha Ho ??
None
There are hardly any card gives 10% back. I don't know any single card with 15-20% cashback, please elaborate the cards
I have 16 credit cards
aap bahot beautiful ho
Ma'am ne jo bola wo toh samajh nahi aaya toh puri video pe maine subtitles padhli💀
Didi ji....
I have around 7-8 credit cards....
If the returns are low.....fine with me.....rather than the tension of premium cards and their fees..😅😅
The only benifit that I got from LTF Card is 50 days credit value
how can i check annual fee of a hdfc credit card that i already own?
@miss zane
Previously I thought tha1-1.5% return/gain is good.
Describe & elaborate the 7-8% return value.
Good if in form of cash or voucher.
One of the cards is Kotak PVR gold card, if yup are a movie freak, you can get 800 worth of free PVR tickets on spends of 15,000 every month. So, nearly 6℅ yearly profit on spends. Few other cards are RBL Maxima, HDFC Regalia, Axis Ace etc.
@@adi_0001 what about in case of only business related transaction & not required any movie voucher.
@@adi_0001you can save even more by watching the movies on OTT instead. There is hardly one movie released every year that is worth watching at the cinema.
How LFC cards are a loss? I didn't understand!
Aapke hisab se konsa life time free card sahi he.
Madam Amex k basic card oe 5000 rs ka AMC hai poinys kamate kamate takla ho jaega aadmi par justify nai kar oaega
ekdum sahi bola aapne....
I own moneyback cc but still not received any gv of 500₹
You have to spend 50k per quarter and after that you'll get in within 90 days. Sometimes you may get it in a week but mostly they're slow. You should track it in rewards redemption portal. I've received a lot of these milestone gift cards in the past from money-back cc.
Kitni cute hai YAAAR
U r my cutie pie😍
Very very fashionable looking truly ❤👌👍
Amazon pay icici best hain fir to
150000 k package pe 5 lakh k shopping 😀🤣
@@scout029 are ek saal k baat kr raha tha 🤣
Don't put the video at the centre of the screen it's blocking us to see you properly.
😂
achhe credit card ke category m kon kon se card aate hai?
Le Me: only use my credit card for strict zero cost emi and small-medium cost payments which i repay in statements 🤷🏻♀️
What about you are using free money for 50 days period
I bought 72k of laptop at 60k with credit card 😊
Lekin m bank se jyda smart hu bina koi savings account k life time free cards leta hu 😅😅😅
Can u plz elaborate how a bank will be benefited without charging us ?
Fake info, card charges is 2990 per month
Many have said the facts she told are not totally correct. I tried loatening to her. My ears can listen the sound. But brain is unable to process the sound as it is much busier with eyes.
Kuch samjha nhi but, sunke accha laga😊
I like this girl
You are smart too ❤
“Bank smart hai “ this line always crack me up. 🤣😂😂
What to do then
Really well explained video
so lovely but thoda dheere bole plsss
Focus kahan karun...? Transitions pe..?
Can make in English please?
Premium cards me devaluation hote rahte hai
Not dependable.
amazon icici and swiggy hdfc wale card ka kya
Hi Mam ,
But for Businessmen, it is good or bad ?
Detail me samjha Diya ma'am apne 😅😅vme bhi credit card sales ki job krta hu
Kaun se card h jinme 10-15 % milta h
I have money back card for last 8 years, limit upgraded karte karte 8L se uper ho chuka hai but kabhi free card upgrade nehi diya
Btw i never use that card.
What’s the last line she said ?
But mere paas to SBI elite LTF hai 😢
Looking good ❤
But madam normal loan companies se accha hi hai interest and usage
Promoted content. Also told that it has cap on every monthly spend also.
Amazon icici is best
HDFC Millennia says hello
It isn't issued LTF to most users. Even less than Regalia LTF.
@@chaitanyaagrawal it is issued to many salary account holders I know that too LTF
@@chaitanyaagrawal I have