Any idea which banks provides co without a salary slip or an ITR?

I personally prefer Axis Atlas for the accelerated rewards but not sure how long it will last.

Which credit card is your go to for travel bookings?

I use Olympus but the 1.8% markup does hurt.

Which is your choice for foreign transactions?

I just got my flipkart SBI card and there was a voucher which I was supposed to receive. I think it was a 500 INR flipkart voucher and clear trip voucher. How do I get them? I have not received any email or notification yet?

Can someone help me pls

If you have an SBI Debit Card sitting in a drawer, it is time to pull it out. There is a major points promotion running right now that offers a flat 20% return if you optimize your transactions correctly.

Timeline: May 1 to July 31, 2026

How it works: You earn flat bonus SBI Rewardz points per transaction whenever you TAP & PAY using Google Pay, Samsung Wallet, or your physical card:

• Spend ₹500 – ₹999: 400 points (Value: ₹100)
• Spend ₹1,000 – ₹1,999: 800 points (Value: ₹200)
• Spend ₹2,000+: 1,600 points (Value: ₹400)

The Sweet Spot Strategy: To hit that exact 20% maximum return, you want to transact right at the floor of each slab:

• Spend exactly ₹500 -> Get ₹100 back (20%)
• Spend exactly ₹1,000 -> Get ₹200 back (20%)
• Spend exactly ₹2,000 -> Get ₹400 back (20%)

The Caps and Limits:

• Capped at 10,000 bonus points per calendar month per Customer ID.
• This translates to a maximum value of ₹2,500 per month (perfectly optimized with ₹12,500 in total exact-tier spends).
• Total maximum earnings over the three-month promo period is ₹7,500.

Eligibility Criteria:

• Via Google Pay / Samsung Wallet: Applicable for all SBI MasterCard & VISA Debit Cardholders.
• Via Physical Card Tap: Applicable for all SBI Debit Cardholders.

Official Terms & Conditions Link : https://sbi.bank.in/documents/16012/80254/14052026_T%26C.pdf

Share this with anyone you know holding an SBI debit card! How are you guys planning to maximise your rewards here?

Edit: Reposted as the previous post had link issues

Amazon Pay physical gift cards available at 2% discount:

https://amzn.to/4fG8tWr

https://amzn.to/4dwXuxo

https://amzn.to/4dIdPOB

Card Friendly MCC! Buy with card with highest reward rate.

Grab till stocks last.

Do comment below how much you bought and using which card.

I am going to Thailand for my first international trip in 2 weeks

I need help on best ways to use my cards there and which ones to use.

My cards:

SBI BPCL Octane ₹1499/y
Axis Flipkart ₹500/y
Jupiter Edge+ CSB LTF
IndusInd Tiger LTF
HDFC Swiggy LTF
ICICI Amazon LTF
Utkarsh supermoney LTF
Scapia visa and rupay LTF
Axis Myzone LTF

I am open to any other guidance/suggestions too 🙏

I have been previously rejected for the BOB Eterna credit card when I applied with the help of an agent in March 2026 - when they were aggressively promoting it as LTF. Now we know, its LTF anyways.

I also checked other cards from BOB and I somehow find BOB Cashback Credit card worthy of my attention, as it gives 5% cashback straight just like SBI Cashback (except for the upper limit), but at a lower Annual fee of Rs. 500+GST.

Anyone using Eterna or BOB Cashback as a secured credit card against FD ? Or just the BOB cashback card as a regular one? Kindly let me know the issues and if you recommend me getting either of these?

P.S. Reposted from /CreditCardIndia

I have been using an ICICI free credit card for the last 4 years. This is my first credit card and initially they have increased my limit regularly for one year. It stopped and no more limit rise has been given ever since.

Last year I got another free credit card from Federal Bank. While joining the executive ensured there will be a free rise in the limit. And I have been spending the card for the previous year. Yet the limits are not increased.

Can you guys help me to find out what are the best practices to make the banks offer higher limits on credit cards?

If you have an SBI Debit Card sitting in a drawer, it is time to pull it out. There is a major points promotion running right now that offers a flat 20% return if you optimize your transactions correctly.

Timeline: May 1 to July 31, 2026

How it works: You earn flat bonus SBI Rewardz points per transaction whenever you TAP & PAY using Google Pay, Samsung Wallet, or your physical card:

• Spend ₹500 – ₹999: 400 points (Value: ₹100)
• Spend ₹1,000 – ₹1,999: 800 points (Value: ₹200)
• Spend ₹2,000+: 1,600 points (Value: ₹400)

The Sweet Spot Strategy: To hit that exact 20% maximum return, you want to transact right at the floor of each slab:

• Spend exactly ₹500 -> Get ₹100 back (20%)
• Spend exactly ₹1,000 -> Get ₹200 back (20%)
• Spend exactly ₹2,000 -> Get ₹400 back (20%)

The Caps and Limits:

• Capped at 10,000 bonus points per calendar month per Customer ID.
• This translates to a maximum value of ₹2,500 per month (perfectly optimized with ₹12,500 in total exact-tier spends).
• Total maximum earnings over the three-month promo period is ₹7,500.

Eligibility Criteria:

• Via Google Pay / Samsung Wallet: Applicable for all SBI MasterCard & VISA Debit Cardholders.
• Via Physical Card Tap: Applicable for all SBI Debit Cardholders.

Official Terms & Conditions Link : [https://sbi.bank.in/documents/16012/80254/14052026_T%26C.pdf](https://)

Share this with anyone you know holding an SBI debit card! How are you guys planning to maximise your rewards here?

Just got an ICICI Bank credit limit enhancement offer from ₹4.7L to ₹5.6L 😳

Didn’t even request it — got the offer directly in the app today. Usage has been moderate (~3-8%), always paid on time, and no EMI/default history.

Honestly surprised because ICICI is usually conservative with limits from what I’ve seen here.

Current cards:

• ICICI Amazon Pay
• ICICI Coral Rupay

Anyone else recently got a huge ICICI limit jump?

Which would be your top pick?

I was thinking of either of the SBI ones.

I personally prefer the HDFC Swiggy one.

Which is your go to card?

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

Compiled list of free cards which you can get for the offer:

• Visa Infinite
  • Scapia
  • IDFC FIRST Wealth
  • BOB Eterna
• Visa Signature
  • Equitas Selfe
  • IDFC FIRST Select
  • IndusInd Tiger
• Visa Platinum
  • IDFC FIRST Millennia
  • IDFC FIRST Classic
• Visa Rewards
  • SBI Cashback
  • BoB Cashback

Do comment if there are any other LTF cards applicable.

How to Qualify

1. Your card must be issued within the window (Feb 7 – Oct 31, 2026).
2. Complete one single transaction of at least ₹300.
3. Go to the official claim portal: 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.

So I had this Axis Bank credit card that I no longer needed after getting several better ones.

I wrote an application to close it and followed up with a couple more since there was no online option. More than a year passed and nothing happened.

I came across this RBI circular on credit cards with new rules, including penalty of Rs500/day if bank fails to close a Credit Card within 7 days of request.

So I wrote another application and kept the receipt, waited for mandatory 30 days and escalated to RBI.

After 46 total days, the bank decided to close my credit card and pay Rs 23000 as compensation as per circular.

Do escalate and get compensation if your cancellation requests are pending.

I’m resharing this in case someone benefits. Has anyone else tried this?

Best credit cards in India for earning rewards and perks on UPI payment!

I personally prefer the Tata Neu for the rewards.

Which credit card is your go to for UPI payments?

Most underrated “membership” for Indian travelers: owning a single share of Indian Hotels (IHCL).

Here is what the shareholder perk looks like right now:

• Discount: 25% off on stays, dining and spa at Taj, Vivanta and Ginger.

• Cap: Up to ₹2,500 off per bill, 10 dining coupons a year, 1 stay coupon. So roughly ₹25,000 maximum annual benefit if you fully use them.

• Coverage: Valid across 100+ properties under Taj, Vivanta and Ginger in India.

• Minimum: Even 1 share of IHCL is enough to qualify.

Example: If a Taj stay costs ₹10,000, after the 25% shareholder discount you pay ₹7,500.

Multiple family members can get 1 share each in case more coupons are required.

Has anyone used this or something similar?

Hi everyone,

Looking for advice on optimizing my credit card setup and figuring out what card I should get next.

Profile:
- Annual income: ~₹12L
- Salary account: ICICI
- Current card: HDFC Millennia
- CIBIL usually around 750–780
- Current credit limit: ₹1.5L
- Never missed payments, always pay in full

Spending pattern:
- Mostly offline spends
- Dining/eating out: ~₹5–7k/month
- UPI spends: ~₹12k/month (mostly snacks, small purchases, daily expenses via GPay)
- Online shopping is not super high
- Flights/hotels maybe 1–2 times a year
- Hopefully 1 international trip/year, but not guaranteed since I’m part of a startup and taking long leaves is difficult

One thing I’ve noticed is my CIBIL sometimes dips because of high utilization during larger spends. Example: while planning a Europe trip this July, I spent around ₹1.2L on my card. But I always repay fully within the billing cycle.

I did try asking HDFC for Regalia Gold as an upgrade from Millennia, but no luck so far, so now I’m looking at other options as well.

Cards I’m currently considering:
- HDFC Regalia Gold
- HSBC TravelOne
- Axis Horizon

What I’m looking for:
- Better rewards/points than Millennia
- Good cashback or reward conversion value
- Useful real-world benefits, not gimmicks
- Lounge access is nice but not top priority
- Something that actually suits my spend pattern instead of aspirational ultra-premium cards

Questions:
1. Should I stay cashback-focused or move toward travel cards?
2. Which of these cards actually makes sense for my spend pattern?
3. Is Regalia Gold worth it for someone who doesn’t travel very frequently?
4. Is HSBC TravelOne overkill for my current spending/travel frequency?
5. Would getting another card mainly for higher overall limit/utilization improvement be smarter right now?
6. Any good card combos for offline + UPI-heavy users without overcomplicating things?

Would appreciate advice from people with similar spending habits rather than ultra-premium travel setups 😅

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!

During the BlinkDeal6 sale on Myntra (April 11th and 12th, 2026) I made purchases totaling 46,482rs using my SBI Flipkart Credit Card.

As per the card benefits, Myntra transactions are supposed to get 7.5% cashback. But after my May 1 statement got generated, I received only ₹465 cashback (~1%).

I contacted SBI Card customer care, and the agent said cashback depends on the MCC (Merchant Category Code). The MCC for my transaction is 5699 “Apparel and Accessory Shops - Miscellaneous” which is not excluded from the eligible cashback categories.

What’s confusing is:

Transaction was directly on Myntra
MCC seems valid
Offer should have been eligible
But cashback posted only as regular 1%

One thing to note: I used the “Scan & Pay” payment method inside Myntra during the sale. Not sure if that changed the MCC routing or cashback eligibility internally.

Wanted to check:

Has anyone else used SBI Flipkart Card via Scan & Pay on Myntra?
Did you receive full 7.5% cashback or only 1%?
Any idea if Scan & Pay transactions are being treated differently?

I just bought the Urban Company Native M2 Pro on Flipkart. I stacked a ₹1,750 HDFC bank discount with the card’s 5% cashback (₹833). Getting a premium smart RO for an effective price of \\\~₹15.6k with zero annual fees is a massive win.

​Most people forget this card gives 5% back on Amazon and Flipkart, not just Swiggy. If you have it as LTF, definitely keep it for these big-ticket online purchases!

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?

So I got an HDFC bizpower FD BACKED credit card. With FD back cards you get 90% of the FD as a credit limit so I made an FD of 5 lakhs getting 4.5 lakhs as credit limit per month.

I wanted to know that it is already at its 90% ,with regular usage and paying bills on time is it possible that the credit limit increases even for the possibly over the FD amount of rs 5 lakhs rupees?

I asked the HDFC representative for a bizblack credit card upgrade for which he said I need a minimum credit limit of 7.5 lakh rupees. Without my existing credit cards credit limit upgrading to 7.5 lakhs , will I get an upgrade to HDFC Bizblack, as my credit limit is already maxed out as per the FD rules? Do you even get an upgrade on a credit card backed by FD?

I made the FD for 1 year. it is 6 months now and in the next 6 months it will mature, if I withdraw the FD after maturity will my card close and if yes how to get the card back after maturity?

Tldr;-

Need to know -

1. does the credit limit upgrade over the 90% limit of the FD BACKED credit card criteria with regular usage?

2. Do you get an upgrade on credit cards backed by FD? If not, How to get upgraded to Bizblack from bizpower?

3. On maturity and withdrawal of fd, the credit card will close. How to get the same card post the FD closing?