First SBI CC - SimplyClick or Cashback?
I'm looking to apply for my first SBI credit card through an agent. He's claiming pre-approval, but I'm a bit skeptical. I'm leaning towards the Cashback card, but many suggest it might not be as effective during major sales like Big Billion Days or Great Indian Festival. They recommend the Simply Click card instead.
My spending pattern : - Regular bills: Multiple utilities and subscriptions. - E-commerce: Personal and occasional purchases for others throughout the year. I'm hoping the cashback card can help me maximize rewards, especially with Amazon Gift Vouchers and Park+ cashback.
Already have Moneyback+ & Swiggy (both LTF) with Shared limit of 75k
CIBIL score: 772 Credit history: 7 months Self-employed with a monthly income of 15~30k
Questions: - Which card is better suited for my spending habits: Simply Click or Cashback? - If I choose the Cashback card, what limit can I realistically expect? (Simply Click is likely to offer at least 50k) - If I apply for both cards, how long should I wait between applications? - What should I declare as my income for faster approval and a higher limit?