Sad Reality of Lifetime Free Credit Cards
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- เผยแพร่เมื่อ 17 พ.ค. 2023
- 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.
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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
Mujhe toh ye ladki pe dil aagya
Card type accha hai
down bad
Utha le re baba 😅
abe chupp hojaa hiaad
😂😂😂😂 same here
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
Ache card ka example kon batayega 🤣🤣
😂
Bahut badmash ho aaplog😅😅
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..
yaar she's so cute..dil jor se dhadak raha hai..❤️😍🤤
Mere pass iska number hai chaiye ?
Started seeing your videos to take some free ka gyaan, but end up loving your voice. Gosh it's damn seductive;)
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 ?
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
Card bare main sochu ya apki bare main.. apko dekh ke to Dil ayega❤❤
Bhai mere bhi yahi haal hain
Nice Explanation ❤
You used minimum 10-12 background for this shorts ..😂
Usually in bank they are not interested to provide LTF rather they want to give a charge card
Mera daay taraf ka brain baay taraf chala gaya , iska translation dekh kar 🤣🤣🤣🤣🤣🤣
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
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.
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✌️
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.
App ki voice bhut achi hai app samjhte bhi bhut ache se😊
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 ❤
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
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.
Ma'am ne jo bola wo toh samajh nahi aaya toh puri video pe maine subtitles padhli💀
MDR would be 1 - 1.5% same as my benefit? We both are equal?
aaj is lady mere dil ki baat keh di for not to buy credi cards of any bank
“Bank smart hai “ this line always crack me up. 🤣😂😂
What a simple and beautiful dress
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
Kis kis ko ladki se pyar ho gya😂........
Most cards will get you more than 1 percent return
bhai koi batayega fake credit card information use karna legal hai ya nahi youtube 2 months premimum ke liye mujhe use karna tha
Really well explained video
That's ok but even if we're using that LTF card, then how's the bank making money from it?
how can i check annual fee of a hdfc credit card that i already own?
School Fee can be given through credit car
U r my cutie pie😍
RBL ne bola free card hai aur Annual 1500 Rs charge laga aur fir,, Mujhe charge laga hai 1298 ka AFter 6 months use 😥
Hdfc millenia credit use kar rha hoon and it's beneficial sab jagah offer milta hai.
Provide good info not bad.
The only benifit that I got from LTF Card is 50 days credit value
Can u plz elaborate how a bank will be benefited without charging us ?
M face dekh k aaya tha mene suna bhi nhi kya bola h 😂
What’s the last line she said ?
Detail me samjha Diya ma'am apne 😅😅vme bhi credit card sales ki job krta hu
Di hdfc me kon sa card bust hai airtikite book kar ne k kam jada hai mere pass
Didi abhi bachhi hai ,
LTF cards ka use hai to pro bando ko patahi hai 😂😂
मैं तो यूज करता हूं, अभी तक कोई एक्सट्रा चार्ज नहीं दिया हूं,😂😂 6 हजार का अमेजन gift voucher मिला है 😂😂
Arre mujhe to thumbnail dekh k kuch aur hi lg rhia tha
You are smart too ❤
Flipkart Axis Bank credit card gives 5% cashback❤❤
Hsbc charging 300% fees within 2months of time do not take credit card from hsbc
Le Me: only use my credit card for strict zero cost emi and small-medium cost payments which i repay in statements 🤷🏻♀️
Can make in English please?
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
Aapke hisab se konsa life time free card sahi he.
Hi Mam ,
But for Businessmen, it is good or bad ?
Right 💯❤
Thank
But mere paas to SBI elite LTF hai 😢
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.
Bolne ki speed km kro mam smjh hi nhi ata uneducated person ko
Ye thi best comment
Hello can I get credit card statement without any transaction ??
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.
Mere ko to ek baat bta do Itne cute kese ho 🥺☺️❤️
Itna calculation kyu kar rahi? SBI Cashback Card le lo😅
People enjoying LTF Infinia,Mangnus and Emeralde laughing in corner
The sentiment we have generated are for cards like Coral, Moneyback, Regalia, Kotak cards, etc. Cards like Infinia & Magnus are the cards do pay for because of the benefits and experience they provide. Btw the Emeralde guys can’t laugh because it’s not even as good as entry level cards.
@@CardAcademy Absolutely. Emeralde is as garbage a card as it can get.
Third class benefits and third class plastic material.
@@CardAcademy tell about 7-8% return as business purpose not do shopping.
Focus kahan karun...? Transitions pe..?
Flipkart axis bank credit card joining fee nhi payment kiya hu card block kaise karu please tell me mam
Very very fashionable looking truly ❤👌👍
Lekin m bank se jyda smart hu bina koi savings account k life time free cards leta hu 😅😅😅
Kuch samjha nhi but, sunke accha laga😊
Acha tohh phir amzon pay icici card choomtiya hai ?
Ek video shoot krne men kita take lie the.😊😊😊😊😊
5000 fD wala credit card se 25000 ka phone emi pe le sakte hai
@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.
Aap v bahut smart ho
Hum Indian 200 rupees ke liye 200000 lakh Tak ka spend kar dete hai
Make video on idfc credit card
Didi
Mb credit card muja 10k ki spend par month pa 250 statement pe or 250 gift voucher deta hai
Kya mast bol Rahi ho yar
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..😅😅
I have LTF hdfc millenia credit card , never used it. 😂
amazon icici and swiggy hdfc wale card ka kya
Haan yahan apply hi nahi horaha Aisa lagta hai ki Mera faida hai
Have Bournvita
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....
Promoted content. Also told that it has cap on every monthly spend also.
But madam normal loan companies se accha hi hai interest and usage
Main to sirf iss ladki ko hi dekh raha tha😐
150000 k package pe 5 lakh k shopping 😀🤣
@@scout029 are ek saal k baat kr raha tha 🤣
Legends Focus on goals
Konsa card de raha he 5 to 7% . 5% milta he vo bhi bohot term and condition k sath
It's usefull for high spenders not for normal spenders
I bought 72k of laptop at 60k with credit card 😊
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
😂mere jo kharche pahle account se hote the wo bas ab credit cards pe trasnfer ho gaye. Faayda bas itna ki kbhi kbhi kuch discount mil jaata h, uske alawa uska kuch use nhi
Hi Madam ❤
Very good information
Who's looking at pasta 😅
में तो कुछ और ही समझ रहा था
Samajh me kuch nahi aaya... Lekin sun ke acha laga 🤭😌
❤❤❤❤