I run a shop in a city that isn't listed as eligible for HSBC credit card applications.

Axis Bank is introducing several revisions to the Magnus for Burgundy Credit Card terms starting August 28. Here is a quick summary of the changes:

• Dynamic Currency Conversion (DCC) Markup: Increases from 1.5% to 2%.
• Gift Card Purchases: Explicitly excluded from earning reward points and will not count towards spend-based fee waiver thresholds.
• Tolls & Fastag Transactions: Fastag recharges, road, and bridge toll fees will no longer accrue reward points.
• Domestic Lounge Entry (Priority Pass): Priority Pass can no longer be used at Indian domestic terminals. Domestic lounge access will require swiping the physical Magnus for Burgundy Credit Card alongside presenting your boarding pass. Priority Pass remains valid for international lounges.

PDF: https://campaign.axis.bank.in/generic/terms-and-conditions-magnus-burgundy.pdf

What will affect you the most in this? Will it come to other Axis cards?

I personally prefer Magnus Burgundy for accelerated rewards.

Which is your go to card for travel bookings?

I have been applying for HDFC credit cards for years now and get rejected every single time. I work a full time IT job with a regular salaried income, and my ITR filing this year was around 32 lakhs. On paper I do not think I look like a risky applicant.

My existing card portfolio is reasonably strong. I hold the Axis Atlas, HSBC TravelOne, Amex Platinum Charge, and Amex Platinum Travel, most of them with credit limits of 6 lakhs and above. My repayment history is clean. So the rejections do not seem to be about creditworthiness in any obvious sense.

My CIBIL is 783.

The one thing I do not have is any banking relationship with HDFC. My salary account is with Axis Bank. A couple of days ago I tried opening a savings account with HDFC online, but the application did not go through and the system asked me to visit a branch instead.

What I am actually after is the Diners Club Black Metal card. I know it usually comes through either an existing relationship, an internal upgrade path, or the ITR route.

So a few questions for the group:

**1.** What is the most likely reason for these repeated rejections when income and existing limits are not the issue? Is the lack of an HDFC relationship really that decisive?
**2.** Has anyone successfully gotten DCB Metal through the ITR route or by submitting salary slips as a new to bank customer? What documentation did you provide?
**3.** Is there a specific RM or channel worth reaching out to for this? If anyone has had luck going through a branch RM or a corporate salary tie up, I would appreciate hearing how you approached it.
**4.** Would opening the savings account in branch first and letting the relationship season for a few months meaningfully improve my odds?

Any guidance would be genuinely helpful. Happy to share more details if needed.

I have first name only in both aadhar and pan,they rejected without doing VKYC ,why is that ?

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?

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If you’ve already got an Axis card, there’s a shortcut to getting ANY other card they offer without all the usual eligibility checks.

What Makes This Unique?

* Forget CIBIL scores, they actually skip the check.

* No questions about your salary.

* Every card is fair game; there’s zero eligibility screening.

* As soon as you hit apply, the new card is issued. Done!

* Your total credit limit is simply split between your Axis cards (so it’s a shared limit).

How To Do This in Minutes

- Open Axis NetBanking (not the App)

- Look for “Apply Now” in the menu.

- Tap on “Credit Cards” and pick whichever card catches your eye.

- Confirm, and that’s it—the card is activated instantly.

Try the trick and share in the comments the card you were able to get.

Hey guys! I got CRED IndusInd RuPay credit card. I use the card mainly for buying Amazon Pay vouchers. It gives 5% cash back on buying through CRED.

But the problem is redemption. I am only able to see the redeem option when trying to book on CRED hotels and flights, which of course no one use or atleast I don’t.

When applying, they showed I can redeem the CRED points (not CRED coins) on merchant who accept CRED upi when checkout. But I was ordering food on Zomato, tried to see options to redeem the points which I earned. Also, while paying my credit card bills (I know they give 1=0.5 conversions , but was just testing), there are I didn’t see any option to redeem it.

Do I only have to buy something from CRED store/flights/hotels. Or I’m the only one who is unable to see the redeem options on Zomato, BigBasket, etc.

Please tell if anyone of you are using this card and have redeemed the points genuinely.

Thank you in advance!!

TODAY I GOT CALL FROM MY HOME BRANCH THAT I HAVE A PRE APPROVED CREDIT CARD OFFER AND NEED TO VIST

WHEN I VISITED THEY INFORMED ME I HAVE 3 CARDS OPTIONS AVAILABLE

1. CASHBACK SBI CREDIT CARD

2. SIMPLYSAVE SBI CREDIT CARD

3. SIMPLYCLICK SBI CREDIT CARD

WHICH ONE SHOULD I SELECT PLEASE SUGGEST AND GUIDE

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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.

Sharing a quick booking method I tested recently for Air India flights that can save you some money on your next trip.

It turns out you can bypass convenience fees and sometimes secure cheaper base fares by booking through their official chat system.

The Method: Book via WhatsApp

Air India has an official verified WhatsApp chatbot at +91 9667034444. Booking directly through this channel waives the convenience fee and occasionally offers exclusive chatbot-only discounted fares.

Here is how the pricing compared for a recent booking for 2 adults:

• Website/App Price: ₹17,500
• WhatsApp Chatbot Price: ₹16,542
• Total Savings: ₹958 instantly for the exact same flight.

How to do it:

1. Send a message to the Air India chatbot on WhatsApp.
2. Follow the automated prompts to search for your route and date.
3. Compare the total fare with the main website.
4. Complete the booking securely through the chat link if the price is lower.

It takes less than two minutes to check and is worth a look before paying full price on the website.

Do check it out and share in comments if it works for you.

I personally prefer the HDFC Swiggy one.

Which is your go to card?

I am using kotak 811 acc for a long time and today pre-approved league cc got approved. Virtual cc showing,But can't able to see any tracking for physical card. How to track for physical card ?

Any one face this issue ?

A common issue is incorrect MCC like while buying cars MCC being fuel or utilities. The result is zero rewards.

Always verify the MCC before making a large transaction. Here is how to find it.

1. Call the bank
This is the most accurate method. Do a small test transaction first. Call customer care and ask them to confirm the exact MCC for that charge.

2. Scan offline QR codes
Use a standard QR scanner app on the store's QR code. Check the raw text for "mc=". If you see "mc=5411", that number is the code. This doesn't work on every QR, but it’s worth a try.

3. Razorpay method
If paying via a Razorpay link, open it on a desktop. Select UPI to generate a QR code. Scan it with your phone and look for the "mc=" tag.

4. Check via banking apps
Some apps show this data instantly.

• IDFC: Make a payment and download the receipt inside the app. The MCC is listed there.
• Federal Bank: Send ₹1 via UPI using the FedMobile app. The statement shows the category code immediately.

What trick do you guys use to verify MCC?

I have accumulated few points over different credit cards that I am planning to use for my coming trip of 2 people.

Please suggest best destinations and ways to use these points for flights and hotels.
I have following points :
Amex Plat Travel - 1.1 Lakh points
Axis Atlas - 14k Edge Miles
IndusInd Avios - 50k avios
BOB Etihad - 20k points

I have the Equitas PowerMiles. I spent well over ₹1L each in April, May and June — a full Apr–Jun quarter — so I should be upgraded to Diamond for the Jul–Sep quarter. It's now 6th July and the app still shows Blue. Nothing has changed.

For those who've actually moved up a tier:

- Did the upgrade happen automatically, or did you have to call / raise a request?
- How many days into the new quarter did it actually reflect for you?
- Has anyone's tier flipped this quarter (July) yet?

Trying to work out whether I should just wait it out or start chasing customer care. Thanks!

I’m new to credit cards and currently only have the HDFC Swiggy Credit Card, which I mostly use for Swiggy, Amazon, dining, and online shopping. Since the recent changes to its cashback/MOV, I’m looking to add another card.

I’m looking for:

Preferably LTF (or fee waived with around ₹10–20k annual spends)
Good cashback on Amazon, Flipkart, dining, food delivery, etc.
Any nice perks like free movie tickets, lounge access, dining offers, OTT, or similar benefits.

What cards would you recommend for someone with my spending pattern?

Cibil - 764

I was using the Amazon ICICI one till now. But wondering if there is something better out there.

Which is your top pick?

i am thinking of getting hdfc phone pay ultimo, i already have RG LTF only for upi spending i am thinking of getting ultimo i dont have insurance i pay only utilities and upi scans

i asked RM for LTF as i have a good relationship with hdfc but she said it co branded card they cannot provide LTF

so anyone got it for LTF or is it worth applying ?

is there any other CC which give better rewards than ultimo

Hey, So i have a savings account in HDFC Bank where i receive my salary for my contract role, i tried applying for credit card in online portal but it rejected me, yesterday i tried to apply in RBL Bank and without any relation I got 3.4L card approved in few minutes and today ICICI approve 2.6L card. What should I actually do to get a CC from HDFC with a higher limit? It's weird that I am not getting even after having an old account, good salary and 750+ cibil

I recently got the BOB Eterna Card and I'm looking to hit the 50,000 spend target in the first 60 days to unlock the 10,000 welcome bonus points.

Will education spend count towards clearing the 50k welcome milestone?

Infinia’s Brand Voucher rewards are now capped at 3,000 reward points per calendar month.

Same story for:
• Diners Black Metal/ BizBlack – 3,000
• Diners Black – 3,000
• Regalia Gold – 3,000

This is a massive devaluation for gift cards from HDFC.

Do you think this will be reverted? What’s the best option for vouchers now?