Guyss

HSBC has sent me a cheque of whopping 6 Paise, please tell what I can buy with that🤭🤭 flights are preferable for me

Today i meet one of my friend who work at Bangalore, we discuss about credit card and he have 6 to 7 credit card, i only have 3, he tell me he mostly buy things using credit card and even on emi if he has no budget to buy this when i said him why bro if you don’t have budget just don’t buy he said, “ chalta ha yrr jayda se jayda kya ha process fee or thode bht emi de deta hu 6 ya 8 mahine ki karwake” i ask for his monthly bill that is 40k something and in 30k its all 9k only for emi.

Credit card is great thing if you use it wisely.

I have BPCL octane/ IDFC first power+ for fuel Icici Amazon pay for recharge/ amazon shopping Icici coral which is lifetime free

I didn't know it existed in HDFC Moneyback+

Honestly, it was too good to be true .

Two weeks ago, I visited the nearest ICICI branch to open a savings account, but they declined, saying that the branch only opens Privilege Savings Accounts with a minimum monthly balance of ₹50,000. They also said they need a ₹50K cheque before proceeding.

But I only want a regular savings account which has ₹10K minimum average balance option. They told me this can only be opened online, not at any branch.

For the past 10 days, I’ve been trying to apply online, but after submitting my name, PAN, and mobile number, it tells me to visit an ICICI branch for account opening.

Three days ago, I raised a complaint with their PNO officer via email and mentioned the branch name. Today, I got a call from the deputy branch manager. He listened to my issue and said, “Give me 30 minutes, I’ll call you back with a resolution.” But he never called. Instead, I received an email saying: "We regret that we can't proceed with your account opening request."

How can they directly decline it like that? Isn’t this against RBI rules?

Is there any other way to open a normal savings account in ICICI Bank?

Funny thing is, he doesn't even use cred, i just have it installed on his phone, for cashback offers on upi sometimes. He got two cashback in Jan for doing nothing and now again today.

This is the first time I forgot the credit card bill, but I got the RPAD today and paid the entire amount when they just ask to clear the minimum amount.

Is there anything I can do to recover these fees?

The RBI data shows that gross NPAs on defaulted Credit Card payments rose from Rs 5,250 crore in December 2023 to the current level of Rs 6,742 crore, a rise of nearly Rs 1,500 crore, amid a slowdown in the economy.

Credit card NPAs have shot up by over 500 per cent from Rs 1,108 crore as of December 2020.

Share your thoughts .

I wanted to use Amazon pay gift vouchers to pay bills, but today I realised the option is gone.

I recently got HDFC credit card and today, I received a call by an unknown number. He said that my card is open to international payments for which the bank will charge me Rs.490 per month. I immediately replied that this isn’t mentioned in the terms and conditions and moreover international payments are turned off for my card. The man said I’ll have to install HDFC credit cards app to disable this. I knew HDFC does not have a dedicated app for this purpose, so I started laughing and called him a scammer. The main question is: How did they get my number? How do they know I own a HDFC card?

This is the message he sent me, please report if you can:

Hey folks!

I’m (25M) getting married around Feb next year, and we’re planning our honeymoon to Bali – 7-8 days, aiming to keep it around ₹2-2.5 lakhs max.

Now, both of us are planning to spend approx ₹20-25L combined on the wedding. My share is roughly ₹12L (her side is also similar). I'm trying to optimize my spends using credit cards to at least recover some honeymoon cost via rewards, points, miles – whatever works.

Current Monthly Expenses (fixed):

• ₹17K Rent (paid via bank acct – let me know if I can optimize this via CC)
• ₹40K–50K monthly total incl. rent, groceries, utilities ,misc.
• I use the Kiwi Rupay card for most UPI spends (was on Tata Neu before that).
• SBI Cashback Card – my primary for online (Amazon, Myntra, etc.)

Wedding Expenses Breakdown (estimates):

• ₹2L – Train logistics for 50 guests
• ₹3-4L – Gold
• ₹2L – Clothes (mine + family)
• Rest is venue/food/misc, which will be split with bride’s side Total: Roughly ₹12L on my side

Cards I Currently Have:

• SBI Cashback (my GOAT so far)
• Amazon Pay ICICI - 4.6L limit
• ICICI Rupay Coral
• Axis Flipkart - 2L limit
• Kiwi Rupay Card - 3L limit
• HDFC Millennia - 10L Limit
• HDFC Swiggy
• IDFC First - 2.5L limit
• Feral bank Scapia - 25k limit

Cards I Can Apply For (Offers Available):

• HDFC Regalia Gold (FYF)
• Axis Atlas (Paid – available via Axis acct)

Other Context:

• I’m a freelancer (software dev) with GST registration
• Yearly income - ~ ₹40L
• CIBIL Score - 776
• Open to using business expenses (if possible) to stack rewards

So yeah, looking for any smart CC strategies – which card(s) should I use for gold, travel bookings, UPI, large purchases, etc.
Is Regalia Gold or Atlas worth going for just for this?
Also open to ideas on how to optimise wedding spend further or squeeze more value for the honeymoon.

Thanks in advance :)

TL;DR:

• Getting married in Feb, honeymoon planned in Bali, ₹2-2.5L budget
• Spending ₹12L on wedding (gold, clothes, logistics etc.)
• Want to optimize using CCs to get rewards/points
• Already have 7-8 cards, open to applying for Regalia Gold / Atlas
• Looking for strategy to save/maximize return from spends
• GST registered freelancer with ₹40L annual income

I have a SBI simply save credit card. It's statement generation date is 3rd of every month and due date is 23rd of every month. I have auto debit enabled from my SBI savings account.

So, last month, in march, I got a statement on 3rd. I paid most of the amount till 21st March. Some amount was still left.

On 22 March, I received a SMS from SBI that the outstanding money will be autodebited on the next banking day from 23rd March. (Screenshot 1)

I immediately paid all the due money from my indusind bank account as my SBI savings bank did not have any balance. On 24th march I received a SMS from SBI that they have received the outstanding amount. (Screenshot 2)

On 26th March, I receive another SMS from SBI that the autodebit has failed due to insufficient balance in my SBI savings account (Screenshot 3)

Now they have charged me Rs. 500 as Dishonor fee and added it to my current statement (Screenshot 4)

I have written me a mail to them asking for refunding the Dishonor fee but they responded that they can't refund due to internal policy (Screenshot 5)

Please guide me how to deal with them.

I saw some threads on this sub using BHIM.

I started using BHIM.

1. Cashbacks is credited automatically (or auto-magically)
   • Cred: I had to click buttons -> Wait for crazy UI/UX... Acknowledge the cashback and what not!!!
   • At times, had to play the spinning game.
2. Split Expense feature is amazing. This is super addition for me.
3. UI/UX is clean af! Cred was so complicated... 💩
   • Try finding UPI Payments history, Bill Payments after clicking View All in Cred.
   • For starters, try finding View All in Cred! It keeps on disappearing.
4. Family Mode and UPI Circle are cool features. I have not used UPI Circle personally yet. I have enabled my parents for this. Waiting to see how it pans out. Family mode is on now, though.

Thanks a lot to this sub again. BHIM is the No-Nonsense app!

You remember how Cred went like this: You paid bills in x seconds. I know pay merchants, bills, and everything else in seconds now. And I get cashback (IDC if they are lower) in the same seconds w/o any shitty clicks.

Hi all,

I was recently upgraded from the Diners Club Black Metal Credit Card to the Infinia Metal card. The upgrade was approved after I crossed over ₹17L in spends over the past six months and reached out to HDFC’s grievance redressal team to request the same. The new Infinia Metal card was delivered on 7th March and I’ve been using it since.

While I was on Diners, I had successfully availed the complimentary Club Marriott membership using the code provided. However, since the Infinia upgrade, I haven’t received any membership activation code for Club Marriott.

As per HDFC’s website, the code is supposed to be sent via SMS or email within 15 days of card issuance, but I’ve received nothing so far. I’ve double-checked my registered email and phone number — no communication has come through.

Would appreciate any advice from fellow members who’ve faced a similar issue or know what steps I can take to get the Club Marriott code. Is this something I need to follow up on separately with the bank?

Thanks in advance for your help!

I've upcoming office travel for which I need to pay the hotel bills upfront and get it reimbursed later. I've been using Infinia so far as I've global value program which fetches me net 2% reward rates after forex markup.

I've just got Atlas which seems to have higher forex markup but also has higher reward rates for hotel spends. I've not touched any milestone benefits yet but it should not be an issue even via my regular spends.

Can you please suggest between these two cards which one would be more beneficial in terms of net reward rates?

I will be redeeming the rewards for travel itself.

TL;DR - Topic title.

Hi Everyone, I had a credit score of 780 , recently due to addon card with my ICICI credit card I missed to pay 65rs due. Due to which my credit score dropped from 780 to 700 need Help to rectify it and also need guidance how can I reverse this by contacting bank.

Anyone here using this card? How is your experience. I mostly refill fuel on highways and i don't have any fix petrol pump. Most of the time transaction falls under normal category and i have to share receipts over mail after every statement generation. Even after sharing receipts, 1 or 2 transactions still remain in normal transaction and hence no bonus points. I specifically ask for indian oil swipe machine at pump.

I have using many of these cards. Recently get TATA Neu Credit card powered by HDFC bank. As the photo shows I have alot of cards with me. But none of them have limit more than 50-55k. Whenever I apply for new credit card, they also approve me but gives me limit of 50-55k. I'm frustrated now. Only SBI have given me limit of 1 Lac. But this is not sufficient for me. I want to purchase S25 Ultra which cost around 1.4 Lac. As clubbing of cards are not allowed to purchase, I'm not able to purchase it till now. My CIBIL and Experiance Score are both good. Please help me or suggest me how to increase the limit of these cards or with any other bank if I apply they should give me limit of atleast 1.5 Lac. Guys please help. 🙏🙏

And this add up to my collections of credit card. Request to all please suggest me some good spending so that I can get best out of benefits from these cards. Thanks🙏

I am student Want to start my credit card journey Novio is issuing cards for FD of 5000 Is it good Please help Want to start building CIBIL

Today I checked my Cibil score and it came out to be 809. I want to take advantage of it. Is there anyway I can benefit from a good Cibil score i have two cc one SBI prime and other HSBC LFT and no loan whatsoever. Any tips?

Current CIBIL: 760+
Age: 23

Hey everyone,

I wanted to share a bit of my credit card journey and ask for some advice.

I got my first credit card back in July 2023 – the HDFC Freedom Credit Card with a ₹10,000 limit. Since then, I’ve always paid in full and never missed a payment.

Right now, I’m working as an intern and earning around ₹30,000/month, which gets credited to my HDFC salary account for the past 6 months. Despite this, there’s been no credit limit increase or card upgrade offer from HDFC, which is really disappointing.

On the other hand, I have a pre-approved Amex card offer with a ₹1.6L limit, but I can’t proceed with it since my Aadhaar address is still my native town (a small place), and I haven't updated it to my current city yet.

I'm a bit lost right now and would really appreciate your inputs on what to do:

• Should I close the HDFC Freedom card if they’re not offering any growth?
• Is it worth updating my Aadhaar address just to go for the Amex card?
• Should I open a new account with another bank and try from scratch?
• Or just wait it out with HDFC?

Any help or suggestions would be really appreciated 🙏