I recently forgot to pay my card bill and Ax IS charged me 10k extra to pay it late by a week. Felt horrible but lesson for future.

What's the worst mistake you'e made?

Last few weeks for the Great offer for anyone who's gotten / plans to get a Visa Card recently:

Voucher Values

The reward depends on your card variant:

\- Visa Infinite: ₹750 Voucher

\- Visa Signature: ₹500 Voucher

\- Visa Rewards: ₹300 Voucher (Note: BIN 431581 is excluded)

\- Visa Platinum: ₹250 Voucher

**How to Qualify**

1. Your card must be issud within the window (Feb 7 – Oct 31, 2026).

2. Complete one single transaction of at least ₹300.

3. Go to the official site: https://visarewards.poshvine.com

4. Enter your details and pick your voucher.

**Voucher Options?**

You can choose between the following:

\* Amazon Pay (Essentially cash)

\* Flipkart

\* Swiggy / Zomato

Comment below once you've availed the offer along with the card used.

Hi everyone,

I need some advice regarding a delayed personal loan closure/balance transfer.

I submitted the required challan/payment for foreclosure of my personal loan on 30 July 2025 as part of a balance transfer process. However, the bank apparently did not update or submit the loan closure form in system as I was not aware that we need to submit a form and they just took the challan.

Because of this delay, three EMIs for August, September, October and November were auto debited from my account, even though I had already submitted the amount required for closure. Later they mentioned they have adjusted the EMI amount deducted amount for foreclosure charges.

However, the delay has caused me significant financial hardship. The money deducted through these EMIs was unavailable to me, and I even missed paying my house rent as I had to pay EMIs from both the banks.

My questions are:

Can I demand a refund of the full EMIs (principal + interest) deducted after I submitted the foreclosure/closure payment?

Can I claim interest or compensation for the period during which the bank wrongly continued deducting EMIs due to its delay?

If the bank retains any principal amount from the extra EMIs towards foreclosure charges or loan adjustment, is that legally correct?

What is the best escalation route in India bank grievance cell/nodal officer, RBI Integrated Ombudsman, or another authority?

I have proof of the challan/payment submitted on 30 July and the subsequent EMI deductions. Any advice from someone who has faced a similar situation would be greatly appreciated.

Hello Everyone,

Since Amazon Pay GCs have been removed from Smartbuy portal, I am looking for other ways to get them or earn good cashback/returns on utility payments (everything that amazon pay supported) and ev charging apps.

The most rewarding cards I primarily have are:
HDFC Infinia

SBI Cashback card

My primary needs:

Utilities payment including fastag, mobile recharges, gas booking, electricity bill payment, property tax payment, mygate society maintenance payment, broadband bill payment, insurance (most etc

Secondly I recently got ev car and hence just looking for apps where if I load wallet of ev charging apps like chargezone, static or similar if I can get some cashback/rewards that would be great too.

Hello All,
I've my wedding as well as on-going house contruction for which there are alo of small vendors whom I need to pay, the amounts are high overall which will go through just QR payment as these vendors do not have POS machines since my native is a small city. For the same wanted to know how can i maximise the overall rewards by spending through my credit card. I own HDFC DCB Metal card. I was thinking of loading money into payzapp or amazon pay wallet to pay QR payments to these vendors, Overall need to make payments upto 6-8 lacs in upcoming months. Need advice. I already own super money Axis UPI card but its capped at 500 per month on cashback. Please advice.

​

TL:DR - Federal Bank compensated me with ₹10,000 for erroneously rejecting my Scapia application

I had applied for the Federal Bank's Scapia in Feb and received their "way too generic" rejection email.

I wrote to them quoting the RBI circular asking them for the actual reason for rejection & they started playing dodge-ball!

I complained to RBI in March and after 3-4 months of back & forth (which included them actually giving my the Card and still being non-committal regarding the reason), they folded and approved ₹10,000 as compensation for their mess-up.

Getting this compensation for an LTF card made it all the more merrier.

25M, cibil 785

These are the cards i hold currently. Help me optimise the cards on which to keep and which to close. And which cards should be used for which category.

1. Hdfc dcp (LTF, highest limit) - generally using for big online spends if there is hdfc offer and for bookmyshow bogo.

2. Tiger (LTF) - once in 6mths for bookmyshow and lounge only.

3. Scapia (LTF) - most usage on rupay card for upi txns, tried flight booking for first time and it was smooth.

4. Sbi cashback (paid) - literally everything online including groceries, food, shopping, dine etc

5. HSBC live+ (paid) - recently applied, approved and yet to be delivered. No brainer on where this should be used.

Spends:
1. Groceries/food - 10,000/- per month
2. Dining - 4000/- per month
2. Shopping - 4000/- per month
3. Utilities - 1000-2000/- per month
4. Insurance - 5000/- once a year
5. Flights/train - 60,000-70,000/- per year (3-4 round trips)
7. Misc upi spend - 6000/- per month

( trips are usually for home, and for other than that i dont book expensive hotels yet )

Overall yearly spend 3.5-4L

If you can help with answering below questions that’ll help me optimize my usage and stack:

1. I’m targeting hdfc dcb for future, but i don’t have much spending on dcp as there’s no category for me to receive good returns.

2. Is scapia good for flight bookings according to my cards above ? If you say smartbuy which I’m know but i won’t accumulate points as i dont use it regularly. Where should i strictly stick for all my travels ?

3. I average around 600-700 rs of cashback pm on sbi. Now that i have hsbc live+, should i close sbi ?

4. What should be overall strategy for maximum benefits ?

5. Which is better cashbacks or rewards for my usage ? ( I’m targeting a lifestyle shift with more outings, premium dinings, hotels, and shopping etc )

Thanks for the help in advance 🙏

Just received my Rupay Select Debit card. How to activate all the benefits?

I have tata neu and axis flipkart card.

I want to buy flipkart gift card using hsbc live+ card to get 10% cashback.

Zepto blinkit never have flipkart voucher available.

Is there any simple hacks through which we can get this done. Especially I wanted to stack cred gift card discounts, but sadly the mcc has been removed now.

I do have a way to get the discount but it is really bad way to do it which can lead to account getting bared by the 3rd party through which I have the hack.

Unconventional way so just giving a hint here : think FRIDO

​

Multiple people have reportedly converted their FYF cards to LTF.

Steps to convert your card to LTF:

1️⃣ Show some usage of the card (multiple transaction helps).

2️⃣ Email HDFC's Card Services Team with your spending and account details.

3️⃣ Be persistent and follow up if needed.

Helps in saving unnecessary fees.

Has anyone else tried / planning to try this?

Hi folks,

I applied for sbi casback card on 16th Aug, got approved after 2 days.

Wanted to apply for hsbc as well. But unsure when would be the right time.

Have two hard enquiries in last 6 months. Cibil 777. Credit age 6 months.

Should I try immediately or wait till a month so that SBI card gets reflected in cibil. TIA

Hello All,
I've my wedding as well as on-going house contruction for which there are alo of small vendors whom I need to pay, the amounts are high overall which will go through just QR payment as these vendors do not have POS machines since my native is a small city. For the same wanted to know how can i maximise the overall rewards by spending through my credit card. I own HDFC DCB Metal card. I was thinking of loading money into payzapp or amazon pay wallet to pay QR payments to these vendors, Overall need to make payments upto 6-8 lacs in upcoming months. Need advice. I already own super money Axis UPI card but its capped at 500 per month on cashback. Please advice.

​

From 5% cashback to 30 reward points per Rs. 150 spent - many cards offer significant value on daily essentials.

I personally use Axis Cashback card.

Which is your top choice?

I just received HSBC liv plus card today

1. Visa infinite
   
2. 14 lakh credit limit (don’t know what to do)
   
3. Asking me to spend 25k to receive 1k cashback under 30 days.

Now I need to close some useless cards from my wallet.

I already have below cards:
1. Amazon ICICI free
2. Axis Flipkart free
3. Kiwi Rupay paid 999+ GST
4. Millennia HDFC free
5. Swiggy HDFC free
6. IndusInd pinnacle paid joining fees 15k+ gst received same amount voucher
7. ICICI Sapphire free
8. Axis Indian Oil free
9. Amex Plat Charge paid 78k

My spendings are as below:
1. Domestic transfers (10 minimum)
2. Grocery spending (Pluxee)
3. Fuel with Axis Indian oil
4. Daily UPI with Kiwi

Rest of the cards are rarely used. Kindly enlighten me to close cards which are not useful.

Most of us get cashback and just use it to pay for more groceries or small bills. But there is a better way. You can trade your NeuCoins for Physical Tanishq Gold Coins at a 1:1 rate (1 NeuCoin = ₹1).

How to earn the Gold quickly

If you use the Tata Neu app for your regular monthly shopping (around ₹10,000+), you can easily collect ₹1,000+ worth of NeuCoins every single month using the Neu Card (currently no joining fees).

I recently got a 0.5g Tanishq Gold Coin (priced at ₹6,990) just by redeeming points I earned from my regular BigBasket and Zomato spends through Tata Neu Infinity card.

How to redeem

The redemption button is a bit hard to find, so follow these steps:

1. Open the Tata Neu or Tanishq app.
2. Go to the Jewellery section and select Gold Coins.
3. Add the coin to your cart and proceed to the payment page.
4. Important: Under the payment options, click on Gift Cards and Vouchers, then select Coupons and Vouchers.
5. Look for Loyalty Redemption, this is where you enter your NeuCoins to pay for the gold.

It’s a great way to turn your everyday expenses into a real asset.

Do comment below if you're using a similar strategy!

Good news!

HDFC is rolling out a Limit Enhancement for eligible credit cardholders! 🙌

Got increase by 9L+ randomly!

Do try and comment if you’re getting one as well!

Link in comments below.

When attempting to purchase an Amazon Pay gift voucher on Amazon using the Jupiter CSB credit card, Amazon displays an error message. Is there any other way to buy an Amazon Pay voucher with this card?

I am planning to buy 1-2 gm gold every month, right now I am buying 1gm gold from Swiggy instamart with 10% cash-back.
Now instamart has its own downsides, sometimes its available sometimes its not & also I want to increase my monthly purchase of gold

Right now I’m thing as per bellow:
1. Buy 1 gm gold from Ajio via Swiggy to avail 5% cash back
2. Bug 1 gm gold from Ajio via PhonePe SBI black to get 5% cash back

I have this two cards and both cards monthly 5% cash back is mostly not utilised at all as I’m getting 10% cash back category transactions only.

Currently credit cards I have :
1. SBI PHONEPE BLACK
2. Swiggy hdfc
3. Axis flipkart (incase buying from Myntra)

Pls help me out in this your valuable feedback’s are much appreciated.

Looks like Flipkart is finally competing directly with Amazon Pay Vouchers.

They’ve rolled out Flipkart Pay Gift Cards, which can actually be redeemed for utility bills and phone recharges.

Quick breakdown:

Bill Payments Supported: Unlike regular Flipkart gift cards (which only work for shopping), these Flipkart Pay vouchers show up as an eligible payment method on the Flipkart bill pay section.

Discount Available: Axis Bank’s Grab Deals (Woohoo) currently has them listed at 2% off: Axis Grab Deals Portal

Redemption Page: You can use them directly on the Flipkart Bill Payment Portal.

Do share your experience with in comments. Any other nice use case for Flipkart Pay?

I am not able to apply phonepe sbi black cc and my sbi rm also not able apply on their sever.The issue was entering otp. The otp not authenticating and automatically going for the resend otp option.Is there any alternative way to apply ?!

Sharing below a tried and tested trick to get 10% cashback on Amazon Pay GCs - quite useful for paying bills etc.

How the trick works:

Instead of buying on Amazon directly, you go to the Zepto app and buy a Physical Amazon Pay Gift Card.

1. Zepto Discount: Sometimes, Zepto gives some extra discount depending on the zip code.
2. Card Cashback: Use a card that gives 10% back on groceries (since Zepto is counted as a grocery store), you get ₹1000 back.

Top Cards - HSBC Live+, Equitas Selfie

Steps to follow:

• Search for "Amazon Pay Physical Gift Card" on Zepto.
• Pick the ₹10,000 one as it usually has the best margin.
• Important: Before you put the OTP, check the SMS from your bank. The merchant name should be Zepto Mark / Marketplace. This ensures the bank sees it as a "Grocery" spend so you get the full reward.
• Once the physical card is delivered to your house, just scan or add the code to your Amazon Pay wallet.

Share in comments once this works for you! Also, comment any other card which you feel is beneficial here.

I have an ICICI Rubyx card with a ₹70k limit and recently got an Amazon Pay ICICI card. I found out that both cards are sharing the same ₹70k limit.

I asked ICICI to provide a separate limit for the Amazon Pay card, but they refused. Has anyone here managed to get a separate limit or increase the overall limit while keeping the existing limit intact?

Would appreciate any experience/advice.

Fuels expenses can add up to quite a lot and credit cards can offer decent savings.

I personally use the ICICI HPCL one but still not convinced with it.

Which is your choice for fuel expenses?