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!

I have/had two SBM FD Based Credit cards, Novio and Zet, which I took for building credit score. With the recent change in terms and conditions, I mailed them to close both the cards without any penalty. ( RBI rules says, you can close CC without any penalty if you are not okay with change in TnC ). I received refund of SBM ZET credit card FD with penalty deducted, mailed them again and received deducted penalty as well, so it's done and dusted.

But the NOVIO is headache, it's been 20 days since i mailed, no response, on top that I'm receiving calls from private numbers asking why are you closing card? And saying many other irrelevant things in threatening tone. Such a huge difference in teams of 2 CCs of same bank.

If anyone is planning to build credit score with FD CCs, go for major banks not these small banks who runs promotional campaigns on twitter/reddit saying if you open FD CC, you'll get 400/500 cashback etc etc.

After listening to threatening tone of that Novio person, i feel even my data is not safe with this bank. Be wise go for major banks

Its been 1 year since i tried creating an account on kiwi app. I have tried deleting the account and creating new account but still facing the same error. I tried reaching out to them over email support but they are saying the same thing since three months. Should i raise a case on rbi ombudsman? If yes should i file it against yes bank or kiwi

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?

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?

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

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.

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 ?

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?

Hello . I recently made some large transactions into my savings account of dcb bank . Needed money (around 1.5L ) , took out from a cc and gave it back in like a week for so . Did it twice in April .
At around september start , the bank froze my debit channels . No reason given . Visited branch . They told me I did transactions above my kyc limit (student) . So they asked me to do a signature update , visited my home and did a rekyc . Jump back to now , its still not open . I had 50K in it which I didnt need atm but now I need to travel and I need the zero forex card .
At one time , my ckyc records were accessed by dcb and i got a mail for it . I thought that would be the point after which it would open up . Still no update. Customer care is clueless . Went to the branch and all they say is its in process . I need that money now . The said that its in CIDD . Whatever that is . Is there any time limit for a re kyc ? Why havent they opened it yet ?

Can I do something better to get the done faster ? Is there any way to access the funds atleast .

Please note that there were no lien or anything placed . Just a debit freeze . I still get credits in it . Please help me out

Quantum + LTF

First wow LTF

Hello cashback 0 joining ,1000 annual (waived at 2 lakh spend in year)

First wow black 750, 1.5 lakh spend waiver

After a huge effort I have finally got the mastercard world credit card from canara bank

1. My base branch is in Maharashtra , But currently I stay in bangalore

Thats why they told me to transfer bank acc to bangalore branch

1. I had lot of credit cards, like I had credit of almosy equal to my salary , so I closed all of them

2. After all these things it took almost 3 months to entirely complete it

(Also I had to start a saving Acc with them that took a little bit time also)

But finally I got it, Only for Lounges across india and world😄

I'm a 25-year-old employee for 3 yrs with a monthyl salary of 20k and have never had a credit card. I've applied to SBI twice when my CIBIL was 720, but I was rejected for not meeting their criteria because I don't have enough monthly transactions. I just want one for emergencies, but no bank will approve me. My score dropped to 702 for no reason, even though my salary account is with SBI. My cousin doesn't even work or have any transactions, yet they have an HDFC card with an 80k limit. Can anyone help me figure out how to get a card?

I recently got an email from HDFC Swiggy that I have to choose between the Orange or Black credit card as they have phased the current one out. This email was sent on 9th October but I didn't see it. Just saw it today.

Now when I go to the link on the email and enter the OTP from registered number it tells me that I have the best card they have to offer and nothing more.

On the swiggy app as well there seems to be no change. All orders also show 10% cashback on it currently. I did get a few calls from HDFC in between but I couldn't receive them

What version of the card will I get. Anyone else faced a similar issue?

I am currently holding indusind bank legend signature credit card, I wanna get indusind tiger credit card but whenever I am applying it's saying u already have a indusind credit card like that, there is no card upgrade option also, so how can I get indusind tiger credit card

I saw a post a few days ago saying Axis Scapia is going to take up two slots at Axis in that context, I want to share that I already had two cards, but recently my Scapia was also approved, and I have received both Mastercard and RuPay versions, making it four. Will there be an issue, as Axis has a limit of three cards?

Hii there..

I am newbie at this credit card world and want to start own some good cards for daily spends and also with some shopping card

But i don't have any CIBIL score yet so my application rejected for the axis Flipkart CC & Kotak CC

First thing i want to create my CIBIL score and then apply some good CCs

I am exploring bharatpe credit line, slice CC and Flipkart as of now

Can anyone suggest which process i follow to create Credit score

FD backed CC, Loan or any thing that you know

But i am avoiding FD backed CC as my mind is not accepting

1. How can i create CIBIL score

2. Bharatpe credit line opening process (as i am not able to see apply button on bharat pe app now. but my friend applied it when it launched but it is not there for apply can anyone know how can apply for that)

3. Which cards to start with

4. Some strict rules that help to save from most interest traps or any other scams

Actual experience and suggestions will be very valuable.

Needed to Pay,LIC bill of around 83000 ,which platform and credit cards should be used for maximum advantage?

I was buying tv 61000. Retailer said I will get cashback of 4575 and net price costs for me is 56425.

But my emi amount is 9875.89 for 6 months

9875*6 = 59255.34

Why am charged extra 2830(59255-56425) if I pay after 6 emi. I clearly don't understand no cost emi when I pay more than I was promised

Please help me out

Attached the bill photo in comment

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.

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!

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 ?

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.