Can NRI get Indian Credit Card

• Some users suggest that as an NRI, the easiest way to secure a credit card such as Infinia is by getting a fixed deposit (FD) backed credit card. However, it might not be worth the hassle unless spending long periods in India.
• There are options like Amazon Pay card from ICICI which may not require a credit history and could be used for building credit in India.
• Some users question the need for an Indian credit card and suggest using foreign cards with no foreign fees like VentureX.
• It's noted that banks may offer credit cards to NRIs without requiring FDs by negotiating with branch officials or checking with the Priority NRI Outward (PNO) using an email query.
• Some users have had challenges getting regular cards as an NRI, but suggestions include getting an FD with an Indian address proof and then upgrading to other cards after a few months of use.
• A user mentions ICICI NRO account linked credit cards as an option for NRIs.
• Standard Chartered may keep renewing cards for NRIs even after they have moved away from India.
• SBI Prime card is mentioned as a card with desirable features, but there is a lack of clarity on whether it's allowed for NRIs.

Pros and Cons of Credit Cards for NRIs:

Pros:

• Infinia and other premium cards offer exclusive benefits and rewards.
• Amazon Pay card from ICICI may be easier to obtain for building credit history.
• Standard Chartered may be lenient with card renewals for NRIs.
• Applying for an Indian credit card may be necessary for specific perks or usage scenarios while in India.

Cons:

• Getting premium cards like Infinia may require FD backing, making it complicated for NRIs.
• Limited benefits compared to foreign cards like VentureX which may have no foreign transaction fees.
• Challenges in dealing with banks when trying to cancel or renew cards as an NRI.
• Lack of clarity on the eligibility of certain cards like SBI Prime for NRIs.

Overall, the process of getting an Indian credit card as an NRI seems to have its challenges and specific requirements, with various users sharing their experiences and suggestions for navigating the system.