Hi guys,

Sharing the list of credit cards that are tied up with cashkaro and provide cashkaro rewards (in descending order of maximum possible rewards) if applied through the cashkaro platform (you actually have to get accepted + activate the card to receive the cashkaro rewards):

1. DCB Bank Novio FD-Backed Card – Upto ₹2925 Rewards
2. YES Bank Novio Card – Flat ₹2900 Rewards
3. IDFC FIRST Bank Power Plus Card – Upto ₹2700 Rewards
4. IDFC FIRST Bank Mayura Card – Upto ₹2700 Rewards
5. Ashva Card – Upto ₹2700 Rewards
6. HSBC Platinum LTF Card – Flat ₹2200 Rewards
7. HSBC Live Plus Card – Flat ₹2000 Rewards
8. HSBC Travel One Card – Flat ₹2000 Rewards
9. Axis Bank Flipkart Card – Upto ₹1960 Rewards
10. Privilege Amex Card – Upto ₹1960 Rewards
11. Axis Bank IndiGo RuPay Card – Upto ₹1960 Rewards
12. SBM Card – Upto ₹1500 Rewards
13. IOB Zet FD Card – Upto ₹1500 Rewards
14. Kotak Mahindra Bank Air Plus Card – Upto ₹1480 Rewards
15. SBI Card Cashback Card – Flat ₹1400 Rewards
16. Axis Bank Select Card – Upto ₹1400 Rewards
17. Axis Bank Magnus Card – Upto ₹1400 Rewards
18. Axis Bank Horizon Card – Upto ₹1400 Rewards
19. SBI Card Flipkart Card – Flat ₹1200 Rewards
20. SBI Card SimplyCLICK Card – Flat ₹1200 Rewards
21. SBI Card Tata Neu Infinity Card – Flat ₹1200 Rewards
22. SBI Card Tata Neu Plus Card – Flat ₹1200 Rewards
23. SBI Card BPCL Card – Flat ₹1200 Rewards
24. SBI Card IRCTC RuPay Card – Flat ₹1200 Rewards
25. BPCL Octane Card – Flat ₹1200 Rewards
26. SBI Card SimplySAVE Card – Flat ₹1200 Rewards
27. SBI Card Elite Card – Flat ₹1200 Rewards
28. SBI Card Miles Card – Flat ₹1200 Rewards
29. SBI Card Prime Card – Flat ₹1200 Rewards
30. Axis Bank Neo RuPay Card – Upto ₹1200 Rewards
31. Axis Bank MyZone Card – Flat ₹1120 Rewards
32. Axis Bank Airtel RuPay Card – Flat ₹1120 Rewards
33. Axis Bank Indian Oil RuPay Card – Flat ₹1120 Rewards
34. Axis Bank Samsung Signature Card – Flat ₹1120 Rewards
35. Axis Bank Ace Card – Flat ₹1120 Rewards
36. YES Bank POP Card – Flat ₹1100 Rewards
37. Air Card – Upto ₹1080 Rewards
38. Privilege Card – Upto ₹1040 Rewards
39. Axis Bank Privilege Visa Card – Upto ₹1040 Rewards
40. Axis Bank Cashback Card – Upto ₹1040 Rewards
41. Rewards Visa Card – Upto ₹1040 Rewards
42. UNI GoldX Credit Card – Flat ₹1000 Rewards
43. Kiwi LTF RuPay Card – Flat ₹1000 Rewards
44. SalarySe Card – Flat ₹1000 Rewards
45. YES Bank Ace Card Kredit.Pe – Flat ₹1000 Rewards
46. HDFC Bank Swiggy Ornge Card – Flat ₹1000 Rewards
47. HDFC Bank Swiggy Blck Card – Flat ₹1000 Rewards
48. HDFC Bank BizPower Card – Flat ₹1000 Rewards
49. HDFC Bank BizFirst Card – Flat ₹1000 Rewards
50. HDFC Bank BizGrow Card – Flat ₹1000 Rewards
51. HDFC Bank BizBlack Card – Flat ₹1000 Rewards
52. Marriott Card – Flat ₹1000 Rewards
53. AU Small Finance Bank Vetta Card – Flat ₹1000 Rewards
54. AU Small Finance Bank Altura Card – Flat ₹1000 Rewards
55. AU Small Finance Bank LIT Card – Flat ₹1000 Rewards
56. AU Small Finance Bank Ananta Card – Flat ₹1000 Rewards
57. AU Small Finance Bank Laksya Card – Flat ₹1000 Rewards
58. AU Small Finance Bank Prathama Card – Flat ₹1000 Rewards
59. AU Small Finance Bank Tejas Card – Flat ₹1000 Rewards
60. AU Small Finance Bank Zenith Card – Flat ₹1000 Rewards
61. HDFC Bank Millennia Card – Flat ₹1000 Rewards
62. Axis Bank LIC Platinum Card – Flat ₹1000 Rewards
63. Axis Bank LIC Signature Card – Flat ₹1000 Rewards
64. HDFC Bank Shoppers Stop Card – Flat ₹1000 Rewards
65. HDFC Bank RuPay Card – Flat ₹1000 Rewards
66. HDFC Bank Credit Card – Flat ₹1000 Rewards
67. HDFC Bank Diners Club Card – Flat ₹1000 Rewards
68. HDFC Bank Indian Oil Card – Flat ₹1000 Rewards
69. HDFC Bank Regalia Gold Card – Flat ₹1000 Rewards
70. HDFC Bank Pixel Go Card – Upto ₹1000 Rewards
71. HDFC Bank Pixel Play Card – Upto ₹1000 Rewards
72. Kotak Mahindra Bank Cashback Plus Card – Upto ₹1000 Rewards
73. Zaggle Twin Card – Flat ₹825 Rewards
74. RBL Bank IOCL Xtra Fuel Card – Flat ₹800 Rewards
75. RBL Bank Indian Oil Card – Flat ₹800 Rewards
76. RBL Bank IRCTC Card – Flat ₹800 Rewards
77. RBL Bank BookMyShow Card – Flat ₹800 Rewards
78. RBL Bank Safari Card – Flat ₹800 Rewards
79. RBL Bank Cookies Card – Flat ₹800 Rewards
80. Kotak Mahindra Bank League Platinum Card – Upto ₹800 Rewards
81. RBL Bank Shoprite Card – Flat ₹700 Rewards
82. YES Bank Elite Card – Flat ₹700 Rewards
83. YES Bank Select Card – Flat ₹700 Rewards
84. IDFC FIRST Bank IndiGo Dual Cards – Upto ₹700 Rewards
85. IDFC FIRST Bank Credit Card – Upto ₹575 Rewards
86. Scapia (Scupia) Card – Flat ₹550 Rewards
87. Eterna Card – Flat ₹540 Rewards
88. BOBCARD – Flat ₹540 Rewards
89. IndusInd Bank Tiger Card – Flat ₹500 Rewards
90. HDFC Bank Tata Neu Card – Flat ₹450 Rewards
91. IDFC FIRST Bank WOW Black Card – Flat ₹230 Rewards
92. IDFC FIRST Bank WOW Card – Flat ₹230 Rewards
93. IDFC FIRST Bank Hello Cashback Card – Flat ₹230 Rewards
94. FIRST Earn Card – Flat ₹230 Rewards
95. IDFC FIRST Bank Quantum Plus Card – Flat ₹230 Rewards
96. AU Small Finance Bank Nomo Card – Flat ₹225 Rewards

I remember seeing a post of a tie up of cash karo with this subreddit in which they were offerring slightly higher rewards (I think 20%?) for the members of this subreddit. I think I saw this about a year ago, but they didn't mention the process so I couldn't use it. If someone was able to get it working for additional, a comment / DM with the steps to get that additional cashback would be highly appreciated.

​

My CIBIL score dropped by 2 points despite having no hard inquiries, making all payments on time, and having no outstanding dues. I even pay my credit card bills on the same day they are generated.

I have two secured credit cards and maintain around 1% credit utilization on both (CC age 2 and 3 months)

While researching the reason for the drop, I came across the AZEO (All Zero Except One) method, where you keep one card reporting a small balance and the remaining cards reporting zero utilization.

For those familiar with the Indian credit scoring system, is this method effective for improving CIBIL scores? Could keeping one card at 1% utilization and the other at 0% help, or could it negatively affect my score?

I'd appreciate insights from anyone with experience or expertise in this area.

NB: I know 2 Point drop isn't anything, but am actively trying to improve my score.

Hi guys, i have got 2 smartbuy flight vouchers for 5k each. Looking to sell them. Please reach out to know more about it. Expires in December. Thanks!

Hey everyone,

I’m trying to apply for an SBI credit card, but I’ve run into a bizarre technical issue on their application portal. The field for the First Name only allows a maximum of 10 characters.

My actual first name is longer than 10 characters. If I cut it short to fit their system, it won't match my PAN or Aadhaar card, which will obviously lead to an automatic KYC rejection.

Has anyone with a long first name dealt with this legacy system bug at SBI Card before?

• How did you get past the application stage?

• Did you use a specific abbreviation that didn't mess up your KYC?

• Is there a way to force an offline/physical application through an agent where they can override this?

Appreciate any advice or workarounds you guys might have. Thanks!

TL;DR: I paid ₹18 of OD interest early (before deadline) via UPI. The next day, ICICI rewarded me by marking me a “Common Borrower NPA” and blocked all three of my credit cards with just an SMS warning. After weeks of back and forth with customer care, PNO, and ther template replies and shifting deadlines, they silently unblocked the cards but never addressed the NPA tag or my credit profile. I’ve now filed a complaint with the RBI Ombudsman. If you’re facing a false NPA tag, ask for an NOC in writing.

1. My account standing

• 800+ CIBIL score
• Zero days past due (000 DPD) across all accounts with ICICI and other banks
• The only credit facility I have with ICICI besides the credit cards is the FlexiCash overdraft. I pay its interest and fees on time, in full, every time, and I never use it to pay credit card bills.

2. The trigger: a ₹20 payment

10 Sept 2026: I made an early manual UPI payment of ₹20 into my FlexiCash OD account to clear the ₹18 interest for August (due date: 14 Sept).

11 Sept 2026: My credit cards disappeared from the iMobile app. The only warning was an SMS saying I had been tagged as a “Common Borrower Non-Performing Asset.” All three cards were blocked, with no prior notice and no explanation.

My speculation, and it is only that: the small early payment confused the auto-sweep logic and triggered a system error. The bank never confirmed this.

For context, an NPA classification requires 90+ days of default. I had missed zero payments on any card or loan.

3. The financial impact

With all my cards blocked, I had to rely on the FlexiCash OD facility for daily expenses. That led to ₹393 in interest charges I would never have paid otherwise.

4. The escalation: template replies and moving goalposts

Customer Care - I raised my grievance repeatedly and got generic template emails accusing me of defaulting on “some other ICICI product.” That is impossible, and I had already sent them the statements ICICI itself issued. At one point they even suggested that using FlexiCash caused the NPA tag. If that were true, ICICI should stop selling a product that turns paying customers into NPAs.

After a long list of template replies and me asking for the exact ledger which proced I am an NPA, the ICICI customer care executive gave me the most stupif reply. They claimed that using the Flexicash facility (which is actively maintained) caused the NPA. Meanwhile I had to escalate to the Principal Nodal Officer.

Principal Nodal Officer (PNO). As I had escalated to the PNO, I also had to explain to the Customer Service what an NPA actually is and why I don’t qualify, and asked for the ledger that proves I’m an NPA.

The shifting deadlines. Once I had a ticket, the promised resolution date kept moving:

• 21 September
• 30 September
• 6 October
• 12 October

5. My first Ombudsman complaint (22 Sept): rejected on a technicality

When the deadline slipped from 21 to 30 September, I got frustrated and filed with the RBI Ombudsman on 22 Sept. It was closed on technical ground because 30 days hadn’t passed since my original complaint to the bank. The RBI Integrated Ombudsman Scheme requires you to give the bank 30 days first, so I had to wait until 12 October. I had no option but to endure this delay game ICICI was playing

6. The silent unblock (7 Oct)

On 7 October (before their 4th deadline), ICICI quietly unblocked my credit cards, with no explanation and no acknowledgment that they had falsely tagged me as an NPA. Their email also claimed they had tried to call me that day. I know what a missed call looks like, and I didn’t get one. Maybe the call was lost in the same system that lost my cards. 😉

7. My formal demand for an NOC from ICICI Bank (8 Oct)

I formally rejected this half-resolution. An NPA tag is a serious allegation, and the bank hadn’t said a word about whether it had affected my credit profile. On 8 October I demanded an official NOC on bank letterhead confirming that:

• the NPA tag was a system error
• my account is 000 DPD
• nothing adverse was or will be reported to credit bureaus

I gave them a 48-hour window. They ignored it for 6 days.

8. Second Ombudsman complaint (14 Oct): accepted

On 14 October, with the 30-day waiting period over and my NOC demand ignored, I filed a second complaint with the RBI Ombudsman. This time it was accepted, and ICICI has since sent an email saying they are working on my demands.

9. What I’ve asked the Ombudsman for

1. An NOC on bank letterhead certifying the system error, 000 DPD status, and no adverse reporting to credit bureaus
2. Refund of the ₹393 in interest I paid because of the blocked cards
3. Compensation for mental harassment under the RB-IOS
4. An IT audit of the auto-sweep logic so this doesn’t hit other customers

10. Advice for anyone in the same situation

• Don’t rely on phone calls. Keep everything in writing.
• Document everything: SMS, app screens, emails, statements.
• Know the basics: an NPA needs 90+ days of default. If you’ve paid on time, escalate and say so.
• Ask for an NOC in writing. An unblocked card is not the same as a cleared record.
• You can file an Ombudsman complaint at cms.rbi.org.in, but only after the bank has rejected your complaint or 30 days have passed without a reply.

I’ll update this post when I hear back from the Ombudsman, as the process takes time. I wanted to document this for anyone else dealing with it who may not know their rights.

How to get HDFC Blck credit card as LTF recently I upgraded from Orange to Blck

I currently live in a non service area for Cheq CC but I want to apply for it using my friend’s address and do the VDKYC from my area is it fessible?

Has anyone tried it for other cc ?

Want to plan a Europe Trip next year (Swiss, France and Italy) around May end / Early June.

Current Points Balance:
Atlas: 60k
HSBC: 20k
HDFC RG: 25k
Amex: 10k
Qatar: 18k

Need 3 business class tickets, which routes are possible ?

We are family of 3 including 2.5 year old kid. If 3 business class tickets aren’t possible if there a possibility that we book 2 business class adult tickets and one revenue kid ticket / call customer care to add it to the same PNR ?

Will the flight staff allow 2.5 year kid on lap in Business class along with us ? Is Qsuites possible ?

If not possible then can you suggest some stopover countries which might be good addition to Europe trip ? Able to think of Istanbul Turkey. Would like to avoid Middle East.

What the redemption options for Economy tickets ?

Mostly I will move HSBC and HDFC RG points to Accor for Hotel stays. So Atlas and Amex points to be then used in that case for flights.

I've been using pop upi from the last two months and I found the cashback to be good.

I ordered protein powders and creatine which was around 200-300 rupees cheaper than any other website using my pop coins.

I've also applied for POP Chop which lets me enjoy more discount.

Now, they are marketing their card again with 0 annual and joining fee valid till 31st March.

Is the card actually lifetime free? Or are there any hidden charges?

I'm actually looking for a lifetime free card.

My major purchases from the app would be for my lifestyle - Shoes, proteins and supplements.

Is it worth applying for the credit card? Or the UPI rewards would work jusy fine since my purchase utility is limited to a small segment?

Converting pop coins to cash is just not feasible since the deal of 10 pop coins = 1 Rupee is just trash.

I'll just redeem my pop coins through either vouchers Or pop shop.

People who have been at my place before, please suggest me some other good credit cards or UPI apps which will help me spend effectively.

Applied for this one as I wanted to get an Axis Bank Credit card for Apple Pay!! The process took like a week these are the steps

1. Applied via Scapia Link from X
   
2. Video KYC
   
3. Got application number in like 4 days from Axis via SMS
   
4. Did another video KYC
   
5. In person verification
   
6. Approved in like 5-6 hours after in person verification
   
7. Got the virtual card in the Scapia app, activated and added to Apple Pay- yet to test it for payments !!

Hello fellow Redditors, specially those with SBI Phonepay Black

If I apply through Phonepay app for this card, would at same stage SBI’s credit application review algorithm reject my application if it assumes I am over leveraged?

I hold 4 unsecured cards, 3 acquired in July - September.

15 L limit across all 4 together

Any guidance will be appreciated.

My objective to get a credit card is to get a discount in Flipkart/amazon sale

I prefer lifetime free cards Any suggestions plz

In my case.

Tried last week and got rejected as employment couldn’t be verified.
I’m getting a constant payout from the broker to my savings account and selected salaried, as it asks for less information than self-employed. Gave the broker address as office address . But for the office mail ID, I gave my personal mail ID. (i have Clg mail id still active and receives mails too)

And one more thing is when I entered the office name. It is not their in their list of companies they tie up with.

Now I have sent an email stating that I have a consistent payout from the firm and a good CIBIL score. So please provide me cc.

I applied for a basic cc - Rupay cashback cc

Any idea if they will consider my application again?

Is there any benefit of opening a IDFC zero balance savings account. I got lots of call from idfc because I have there credit card. After so much insisting, I open a zero balance saving account. But now they sent me debit card. Is there any benefit or not. Do I get charge for debit card or not ?

My hsbc live+ cred card got approved today, and i got a mail saying you can access your card in hsbc mobile banking app. But when In app it is asking for pan number and email, but after entering details it says

" Unable to process your request as your account is inactive or not eligible for online registration"

Did anyone faced this issue? FYI the card is still not delivered to me

I need suggestions. I want best credit cards that are good for lounge access at airports. They shouldn't have spend criteria and should have joining/annual fees. Or it should be minimum like 500.

I found a few:

Indusind Tiger (application rejected)

HSBC cashback (rejected during kyc)

Suryoday sf bank rupay cc

What other options should I explore?

Has anyone got the reward for HSBC spend fest happened in July?

The reason is not what you think

I don’t think its a threat to UPI

because UPI’s reach and the fact that average dukaandar doesn’t have card machine means its irreplaceable
It is that the online checkout facility which Apple Pay brings that is compatible with credit cards and something many indians hadn’t experienced till mow

AND THIS will be replicated by Google wallet which is already providing the service in other countries and soon enough. People will start loading their credit cards in Google wallet, because obviously credit cards provide better rewards and this is a big threat for companies like Paytm and PhonePe and this why

They can’t really charge on UPI transactions itself, but they can charge on other services like movie tickets and flight bookings

Now imagine if Google pay where you can already book your flight, tickets and recharges starts offering online card checkout too.

People who have credit cards will use that because credit cards give rewards and UPI Credit lines aren’t successful.

Plus google’s predatory behaviour means that the second they see people being happy with apple’s onetap checkout they will spam this everywhere and soon enough people will prefer using google pay with credit cards

AND THIS IS A BIG PROBLEM FOR PAYTM AND PHONEPE who RELY on these

It is bad for our companies since their only revenue source will be gone

Am I just faltu mei taking this the wrong way?

​

Hi everyone,

My father’s Axis Bank credit card was hit by six unauthorised Flipkart / Flipkart PA transactions totaling ₹2,97,685 on July 25, 2026, within approximately 15 minutes.

These were OTP-less, tokenised transactions. We reported the fraud to Axis Bank within 4 days and filed a complaint with the Cyber Crime Portal.

We also escalated the matter to Axis Bank’s Principal Nodal Officer (PNO) and filed a complaint with the RBI Ombudsman.

Current situation:

- Axis Bank initially provided temporary credit but revoked it this month.

- The latest statement shows a ₹50,000 write-off entry.

- The statement has been generated.

- I have emailed the PNO again requesting a chargeback and final resolution.

I need advice on the following:

1. What does the ₹50,000 write-off mean? Does it reduce the outstanding balance, or can the bank still recover it?

2. What should I do about the generated statement and upcoming payment due date?

3. Can Axis Bank revoke temporary credit while the fraud dispute and RBI Ombudsman complaint are pending?

4. Has anyone successfully obtained a full reversal for similar OTP-less, tokenised transactions?

I would really appreciate guidance from anyone who has faced a similar situation with Axis Bank. The disputed amount is substantial, and I want to understand the right steps to take next.

Thank you.

Previous post: https://www.reddit.com/r/CreditCardsIndia/s/JtqkaELbcl

Hey everyone,

I'm looking for some suggestions on how to get my SBI Cashback credit card converted to a Lifetime Free (LTF) variant.

For some context:
I’ve had the card for 1 year.
I’ve already spent approximately ₹2.5 lakhs in my first year, so my upcoming renewal fee will be automatically reversed based on the spend milestone.
I’ve earned around ₹9,000 in cashback so far.
Even though my fee is waived for this year, I really want to make it permanently LTF for peace of mind. I recently emailed the Nodal Officer requesting a conversion. You can see my initial request and their standard system generated rejection.

I have a couple of questions for anyone who has navigated this:

1. Has anyone successfully converted their SBI Cashback card to LTF recently? If so, did the Nodal/Escalation desk route eventually work for you, or did you have to escalate it to another email ID (like the Customer Service Head)?

2. Is the "card closure request" trick too risky for this specific card? I know a very common tip for SBI cards is to initiate a cancellation request on the app to trigger a retention call where they offer LTF. I am genuinely worried about trying this because I do not want my card to actually be closed. If they process the request without a retention call, I'd lose the card entirely. Has anyone tried this recently with the Cashback variant?

Would really appreciate any guidance, tips, or recent experiences you can share regarding what to do next.

Can someone confirm if they have used hsbc live+ to get 10% cashback for jiofiber/mobile recharges made through jio app. Does this fall into 10% cashback utility transaction?

Just started off my CC journey
Currently having
SBI Prime LTF
Swiggy Ornge LTF
Kiwi in processing

CIBIL 716 when I applied for Kiwi

I don’t travel a lot. But as Sapio is LTF and it is zero forex, was thinking of applying and just keeping it incase I travel in the future. (would have to travel to US and Europe once or twice for work reasons.)

Opinions?

Whenever I am trying to apply sbi credit card, an error comes , my address is already with the bank and kyc updated recently using sbi website. Do anyone knows what the problem, and how to solve?

My current Card Stack is:

HSBC LIVE+

SBI Cashback

Kiwi UPI Card

Hdfc Moneyback

Axis Flipkart Credit card

Cibil: 790

Salary: 1 lakh/ month

Age: 25M

Requirement:

1. Need Creditcards that provide benefits for Haircuts, like for Subscriptions, vouchers, Discounts etc.

2. Need Creditcards that give SPA Discounts, complimantary Spa sessions , Subscriptions, etc.

3. If any discounts/ offers are already applicable with my existing Creditcards!

Hi everyone not directly related to credit card but loan.

I had a 2 wheeler loan from Shriram Finance and have paid all since it was autopay never missed any EMI ever.

Just today received a demand notice for 22 rupees, then i went to there website to check if any due is there and i can pay this small amount and get done with since don’t want impact on my credit history.

Issue is on website 0 is due, then thought of requesting support but can’t raise a support request because support form need some sort of account i am logged in but can’t find my account and I can’t type anything there so deadlock.

Now I have no idea what to do, I have seem even few ruppee due can impact credit score i have perfect track record with no Emi credit card payment missed till days 5 year+ credit history what to do?