I’m 24 and have been using the HDFC Regalia Gold for the past year. My annual card spends sit comfortably around 7–8L.

I’m eligible for the Magnus for Burgundy from Axis if I switch my salary account over (it’s currently with HDFC). My monthly in-hand is slightly above 2L.
Does getting the Magnus Burgundy make sense for my spend profile?

My main hesitation comes down to the fee and past devaluations, especially since Regalia Gold is essentially free for me right now. On top of that, I don't think I can hit the spend threshold for accelerated rewards consistently (maybe for a month or two during major expenses, but definitely not regularly)

Would love some inputs, especially from folks holding the card or anyone who made a similar move from HDFC.

PS: Tried to push my RM for a DCB but she said it wont be possible without the 2.5L spend criteria

Does anyone know if the exchange rate on international credit card transactions is based on the bank’s TT buying rate or the Visa/Mastercard rate? Do zero-forex cards use the same exchange rate, or does it vary from bank to bank?

Is this a valid reason

4 months of credit history (fd based cc)

18 yrs

Someone here said having a credit history and applying as self employed, around 4-5 lakhs income .

Will get me that card 😭😭

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😄

Can someone confirm if HSBC live + is the best card now for getting maximum returns buying an amazon pay gift card?

It gives 250 + 750 amazon pay gift card which waives the joining fee - Am i right?

How to get hsbc live plus cc with a salary of 50k as the card keeps getting rejected

Hi everyone,

My CIBIL score is 778, and I've held it steady for the past year. I missed some education loan payments in 2022 when I was jobless, but otherwise I've paid 208 of 215 payments on time.

Every time I apply for a new credit card, I get approved for less than 70k, even after submitting a salary slip showing over 1 lakh per month.

My current limits:

Axis Neo + Flipkart: 35k

RBL: 55k

Kotak: 56k

These guys do not approve my limit to increase requests.

How can I get better limits, ideally 1.5 to 3 lakh per card?

Would moving my salary account help?

Any tips from people who've been through this would be great.

Thanks

Hi!

I am 22 y/o, working as an electrical engineer. I presently have a monthly salary of 50k in the first year of my job. Soon it will be 68K from November.

I presently have a CIBIL of 774 and I have 2 cards:
1. Swiggy HDFC - ₹34,000 limit
2. Axis My zone
3. Axis Neo - both with a combined limit of 2.5L

I tried applying for Scapia thrice and got rejected. I left it behind now thinking its not for me.
Recently I applied for IndusInd Tiger. I meet all their criteria and somehow still got rejected.
I even applied for some Yes bank card sometime ago, again very basic with me meeting all the criteria and still got rejected. The last time I got a new card line is in November 2025.

Like I don’t understand what this all is. I see people with similar situations having so many LTF credit cards in their collection, most of them which they apply very randomly. On the other hand here I am not getting acceptance from even one single bank.

Is there anything fundamentally wrong with my profile? What should I do to make this better?

I am a salaried person working in IT. I have a good credit score of 776. Still, I am getting rejected after credit card applications.What do I do?

Hi everyone,

I’m seeking advice on an unresolved credit card reporting issue with Axis Bank that is now affecting my ability to obtain a loan.

In January 2026, I contacted Axis Bank to clarify my outstanding credit card dues. After confirming the amount payable, the bank assured me that I would receive a No Objection Certificate (NOC) after making the payment.

Based on the bank’s confirmation, I paid ₹32,347.27 on 1 February 2026. My Axis Bank statement reflected the payment and showed NIL total payment due.

However, on 2 February 2026, Axis Bank transferred my credit card account to UV Asset Reconstruction Company Ltd. (UVARCL). UVARCL subsequently contacted me for payment. After I shared proof of my payment to Axis Bank, I was asked to pay additional processing charges because the account had been transferred to them. I paid the additional amount, and UVARCL issued me a No Due Certificate.

Despite multiple follow-ups with Axis Bank and a complaint to the RBI Ombudsman, my main concern remains unresolved. Axis Bank continues to report the account as “Written Off” in my CIBIL report.

The critical issue is that I have a No Due Certificate from UVARCL, but I have not received any NOC or clear written confirmation from Axis Bank addressing its “Written Off” remark. This remark is affecting my loan eligibility, and I am struggling to obtain a loan despite being a salaried employee with a CIBIL score of 741.

I have already approached Axis Bank multiple times, but I still do not have a clear resolution.

I would appreciate advice from anyone who has faced a similar situation:

• How can I get Axis Bank to correct its “Written Off” reporting with CIBIL?
• What escalation options are available after the RBI Ombudsman complaint has been closed?
• Is there a way to ensure Axis Bank corrects its reporting rather than directing me back to UVARCL?

I have the payment proof, Axis Bank statement, UVARCL’s No Due Certificate, and email correspondence as supporting evidence.

I am frustrated that this unresolved remark is affecting my financial profile and loan eligibility, and I would appreciate any practical guidance on resolving it.

Thank you.

Asking for normal city use just so that I save on regular petrol filling, which card is best and can be obtained without much hassle? Researched on google but need help with actual real life review

I actually brought it accidentally instead of redeeming my card points into gift vouchers. I accidentally selected gift card due to which I received this and it’s been like a year. It’s been lying around and it has around 5K in it, and I’ve tried all my methods and it’s not working out, like I tried in many outlets. And everyone is saying it’s not working also behind the card. There is a website. I went on the website, but the website itself is not working. I don’t know. I am lost. Can anyone help me?

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

I m applying for apay icici vkyc done said vkyc guy but on amazon showing error in vkyc redo is it true or just glitch

When tried again showing technical error

Update : approved within 5 min... no re-kyc was required ✌️

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’ve noticed there seem to be two different physical variants of Amazon pay gift cards out there, and I wanted to see if anyone else has run into issues—or if I just got a bad one

Here is what I've found:

Type 1: Has a QR code on the back to activate it

Type 2: Does not have a QR code on the back for activation

I can confirm that Type 1 (with the QR code) works perfectly fine.

However, last month I bought a ₹10,000 gift card of Type 2 (no QR code), and it failed to work on the app. It became enough of a headache that I had to escalate it to Pine Labs support just to get my money refunded.

Has anyone actually had the second type (without the QR) work fine for them?

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’ll be Turning 18 in a Few Months and I want some Card suggestions? I’m not exactly earning but I used to invest a lil bit from my Parents account and made a profit and ever since that I’ve been using that same money that I made to take care of of myself and my daily expenses and things, I also have a small SIP as of now, but all these things are under my Parents Account, since I’ll be turning 18, I’ll start fresh and no one in my family really used a Credit Card, like no one actually used it which makes me sort of mad at my parents cause they have so many benefits if used properly, So I’m writing this so that I could get any advice? Recommendations ofc? Everything I should know about, all the knowledge of is welcomed, I’ll really appreciate knowing more and more from people with Experience.

Thank you for your engagement, I appreciate it.

Top 5 would prolly be the same along with Protein then Food.

Asking one liner/no context questions such as best card for so and so category is not allowed.

While asking for a card recommendations make sure to include details as per the below format.

Current Cibil: idk?
Age: 17
Monthly Income and Employment status: I don’t really have a fixed income? Just whatever the profit i make in my investments, i’m just a student so not employed

Monthly Expenses & Spending Patterns: mostly I tend to spend money on myself? Like I like to invest in myself, like groceries, food, gym membership? I also have a habit of purchasing things that I really like, recently I came across Garmin and well I found it really useful in my life as I workout often and go on runs etc, so i decided to buy it, so yea I tend to spend on things that are useful to me but I research alot before spending, cause i think that whatever I take is sort of me investing in it? Idk if im right?

Top 5 Monthly spend categories and Top 5 Annual spend categories: probably, Family Trips (yes I tend to pay whenever im allowed to cause I want my family to enjoy and feel proud of me at the same time), apart from that idts there are any huge spends I make.

Preferences for Credit Card Features: I’ll appreciate it if you guys were to help me out with this

Reward Preference (Cashback or Reward Points):aswell as this

Lounge Access Required: Yes I suppose cause it will help out alot.

Other Special Needs; I got no clue.

So I got my first credit card today which is sbi phonepe select black card. It advertises 10 percent cashback rewards in utility payments.

Now I want to book a train ticket so how will I get the cashback.

1. If I select the train using railone app and then pay there using my phonepe card with otp will i get 10 percent.
2. When I use the phone pe inbuilt train booking feature, it redirects me to confirm ticket which charges its own convenience fees and agent fees which is around 50 for 500 rs ticket. And there I have to pay using upi pin of card. So essentially I'm paying 50 to get a cashback in the form of rewards points which would also be 50. So what do I gain?

So am i missing something or is there a better way to get that 10 percent cashback without paying these hefty convience fees.

And what are some other tips advices to maximize my savings using this card?

Also how will i save 5 percent on zomato Swiggy, do i have to pay using phonepe upi there also or i can use card directly with otp

Attached ss of booking both via phonpe confirm ticket and railone app.

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

Hello people,

Could you kindly recommend to me which forex card I should apply for as I am travelling to South Korea for an academic conference. I am 29, my cibil is 780+, flight and accommodation are already booked, I need the card for expenditure in the country. Zero currency exchange and lounge access, that is what I am looking for, nothing flashy.

I have SBI ELITE, ICICI RUBYX credit cards already and have savings bank account in PNB and Union. I’ll leave for Korea by 6th Nov. kindly help.

Thank you all.

SBI people are offering lifetime free SBI elite card in my college with offers like free bms tickets and airport lounge access. But they are saying an account in SBI is compulsory to apply is this true? I searched online and there is no such rule. What should I do?

Basically I want to buy s25 u from Amazon using Amazon ICICI card and the total comes out to 80 k after no cost emi can I buy gift cards using my sbi card and use those gift cards to lower the amount to my card will it work with no cost emi ?

Did any one got call from crdilio card regarding cc closure and revised MITC. They said me that MITC again revised for those who have fd more then 10000 there will be a no AMC. I'm not getting what to do now.

Hi,

I have HDFC millennia card, which has an upgrade option to regalia Gold, should I do it or not? I already have sbi cashback tata neo Infinity and HSBC live plus suggest me, please. Thanks in advance

Millennia is LTF and Regalia Gold is FYF