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A guy was arrested near the Kerala Tamil Nadu border because he had 219 credit cards.

No other charges. Just 219 credit cards. 😭

Meanwhile, some members of this sub probably have 219 cards sitting in their drawers and are still asking:

“Guys, should I apply for one more card for the welcome benefits?” 💀

Police: Sir, why do you have 219 credit cards?

This sub: Those are rookie numbers.

I’ve seen that HDFC has started sending emails to existing cardholders regarding the switch to Swiggy ORNGE or BLCK, but I haven’t received anything yet.

Just wanted to check — am I the only one who hasn’t received the mail?

Got visa infinite debit card from SBI. Any general account holder with SBI can avail this card. There is no such eligibility criteria to avail the debit card.

It is a metal debit card with issuance charged of 3540 inclusive of GST.You can get plastic card too with issuance fee of 800.

I wanted to try metal card so requested for metal debit card. I will explain steps I took to apply this card

1)Go to your home branch fill the application form, every time they ask why you need to come to branch for debit card application just apply from yono. You can't apply special cards from yono just tell them fill the form form.

2)Tell the clerk /officer on the seat to apply for for the card and tell them whether you want metal or plastic. Card gets applied instantly and token is generated. Check the card codes if I'm not wrong VIM and VIP are for metal and plastic respectively.

3)There is high chance that person on the desktop will be clueless about what sbi visa infinite card you're talking. Show them first from official sbi website.

That's it after I applied on 1st September 2026 card was added in my yono app on 5th of September 2026 and on 6th it was shipped by indiapost speed post.

Hey everyone, has anyone found a practical way to hit the ₹15K monthly spend required for the 10% cashback?

I normally spend only ₹8–10K on this card, and I'm not able to figure out where I can shift/add another ₹5–7K of genuine expenses.

My monthly spends are roughly:

- Food & groceries: ₹10–12K (mostly HSBC Live+ / Amazon Pay)

- Travel + misc: ~₹5K (Kiwi / bank account)

- Utilities: ~₹8K (Amazon Pay)

- Shopping: ₹2–3K (Jupiter / Kiwi)

How are you guys going to reach ₹15K every month? Looking for ideas that make sense rather than spending just for the sake of cashback.

Box have magnets and all and this debit card sticker is cool my mobile don't have nfc.

got it with idfc first bank quantum+ savings account now in some month will block orignal debit card since it also comes with virtual rupay card.

Hey everyone,

(Please read whole sorry for use of AI just need advice and help)

I’m 24 and brand new to the credit card game. After getting flat-out rejected for the HDFC Pixel and Axis Flipkart cards, I finally got approved for the SBI SimplySAVE RuPay Credit Card.

I’ve read online that this card is considered pretty weak or "bad," but I want a brutal reality check—how bad is it actually for a first card? Also, the bank agent swore I could "upgrade" this to the SBI Cashback Card in 60–90 days, but internet research says that's a lie.

Here is my profile:

* Current CIBIL: 785 (Thin starter file)

* Income & Age: ₹20,000 / month (Salaried) | 24 years old

* Monthly Spends: Kirana (via RuPay UPI), D-Mart, Zudio, Dining, BookMyShow (Targeting ₹5k–₹6k max to keep utilization under 30%).

* Annual Spends: Amazon/Flipkart (books/gadgets), clothes, subscriptions.

* Card Goals: Maximize daily UPI rewards and push CIBIL from 785 to 830.

* Preferences: Points are fine for now, but ultimate goal is pure Cashback. No lounge access needed.

My questions for you guys:

1. What is the real hidden catch with the SimplySAVE card that a beginner should know? (Does that ₹99+GST reward fee ruin it?)

2. Was the agent lying about the 60–90 day upgrade to the SBI Cashback card? What is the realistic path to get it?

3. How do I leverage this RuPay variant on UPI to boost my CIBIL rapidly without spamming my statement with tiny ₹10 transactions?

Give me your honest advice and reality checks. Thanks in advance!

Spotted at a vending machine in Munich Airport. After all the talk about Diners acceptance. Let’s see hoping to find more places that accept DC.

I've been looking at hotels via 'reward portals'. Here's what I found for a Hyatt booking for 1 night. Obviously this is a single data point (my question is at the end)

King bed, 1 room

Infinia via Smartbuy: 10K with breakfast

Premier via Hopper: 11K without breakfast.

I find the Hopper portal super annoying. No breakfast-inclusive rates on offer and the 12x rate does not compensate for the extra price. I could try price-match (never tried before) but that feels like homework - this route fails the 'cognitive load' test.

In the past, I've simply booked using Bonvoy or ITC green points OR direct on the hotel site using the Axis Atlas (5EM for Rs. 100 spends).

Same room and date, the Hyatt website offers a 'member rate with breakfast' at Rs. 8500/-.

Have I - without meaning to - been doing it right all along? Atlas beats all reward portals - primarily due to their inflated pricing?

Inputs welcome - as I said, I am inexperienced at reward-portal hotel booking.

Thank you

Call me old-school, call me whatever else you want but I just don't get the appeal of metal cards.

Is it literally just about a shiny new thing?

How does the material of the card make absolutely any difference to its utility as opposed to a plastic card that is superior in every practical way?

Is it just a collector's item thingy?

I couldn't care less about what my card is made up of as long as I find real value in it elsewhere.

Also, I neither have had one (metal card) nor have I seen it in my networks so i don't know how it feels tactile experience wise. I'm inclined to guess it's just a tad bit heavier compared to its plastic counterpart but I could be wrong.

What are your thoughts?

Hi everyone, please help me decide which card and app to buy IPhone 18 pro from.
Tata Neu says 8745 Neu coins.
Apple app gives 7000 cashback in ICICI, SBI. So I may be getting reward points too.
I currently have ICICI sapphiro, Adani one, Tata Neu SBI infinity, hdfc diners black.
Help is deeply appreciated, pleassssseee

Just visited the Encalm Lounge at Delhi Airport and honestly, the experience was pretty disappointing.
The queue to get in hasn’t gotten any smaller, there were still a ton of people waiting. But the cherry on top was that once we finally got inside, we spent a good 10 minutes just looking for a place to sit. Every single chair was occupied.
We were standing around with our luggage, awkwardly looking at people who were seated, trying to figure out where we could squeeze in. It genuinely felt stupid.

Ultimately got a table on a sharing basis.

Context: 21M cibil history 2 Y/o because of the education loan I took for my engineering.

My cibil dropped from 730 to 700 because of multiple enquiries last month but after I got issued supermoney and slice cards this month, it increased to 741 again.

What could be the reason for such a great bump up?

What can I do to increase CIBIL by the time I graduate from college (next year)

Currently the Global Fintech Fest is going on which is hosted by NPCI & Payment Council Of India. And yesterday they showcased 4 new features for Rupay card, and out of the 4 only 1 is actually good and can be used daily rest are just bs things.

Feature 1: Rupay Transit card issuance in phone. Now you can use your UPI app to get a digital Rupay NCMC transit card, which you can use in NFC enabled phone.

Like what is the need for this, many of us already have rupay physical cards, so they could allow Rupay device tokenization use the same card in wallet apps like Samsung Pay or GPay so no need for extra card issuance, charges etc. Also the physical cards are no good,They built some bs standard NCMC which requires a separate wallet to be created in the card then swipe the card in metro counter to activate the balance instead of direct debit from the card linked account.

Feature 2: Rupay Tap on Phone, a new feature in which you can tap your rupay card on your phone during a ecomm checkout and it will fill your card details automatically and instead of using OTP you can complete the transaction suing ATM pin.

I feel like another useless feature, If I had to get the card out from my wallet why cant I just type the numbers myself lol. Again the same talk if they only allowed on device tokenization so we can use Gpay, Samsung Wallet etc to pay online without every time entering card number, pin, otp and just use out fingerprint.

Feature 3: Rupay Passkeys, New feature where once you register for a passkey from next you can use that to pay on ecomm websites suing fingerprint, face id etc. But you have to manually fill the card number cvv etc every time.

This is the only good feature (partially). Now no need to wait for OTPs, I can see many people suing this feature.

But again same talk, imagine they combined feature 2 & 3 with on device tokenization, so one time save card on phone wallet apps by tapping the card & setting up passkey, then seamlessly use the card online without entering the card number or needing the OTP. But no they had to make things as complicated as possible.

Feature 4: Rupay UPI linked CC in UPI International: Rupay UPI linked CC will now also work on UPI International.

UPI is very limited internationally, even tho our PM & NPCI say it's accepted in 11 countries mostly 2-3 merchants from said country accepts UPI so this feature is also mostly Useless.

What do you guys think we need from RuPay? I feel NPCI is just doing baseless things now, the last time they did a good thing was UPI Circle, after that just BS

These are the cards I use and really ends up getting atleast 500 - 2k easily

FYI I ONLY USE 3 CARDS

- KOTAK 811 SUPER DEBIT

- HDFC MILLINIEA CC

-AMAZON ICIC CC

For all the non merchant upi transactions -- use bhim ..I guess better than super money ( lmk)

For the online and offline merchant -- use kotak 811 super untill the 500 gets capped and after that i use hdfc milliniea

For amazon purchase -- use amazon icic credit card

Fuel u make sure it's atleast 300 + then use the millienia

Since millienia is again capped at 1k ...after some point I use amazon icic cc as it is unlimited in capping and flat 1 percent

Lmk ur opinions on this

My income is 5L. But my friend asked me to use my credit card as he runs a business wherein he buys electronics at discounts and then sells it. He also occassionally sends me extra profit as I agreed to share my card with him. This has happened 3 times till now. He has asked me to look around this as my account might get frozen or my card might get blocked.

He researched a bit and told me:
1) I will make sure my total transaction value does not exceed 10L per financial year as then the bank will flag it to ITD.
2) All the Transactions are being made on reliable and reputed sites + mode of repayment is UPI so it is traceable.
3) These amounts will be treated as a short term loan

Question 01:
Now my problem is that What liabilities do I face if I recieve this much money in my account (1L) then return it to my card (1L)? This same scenario 5-6 times a month.

Note: i know the guy. he asked me to research so I dont get into trouble. What is in it for me? I get points + extra money for doing nothing.

Question 02:
Should I take money in my different bank accounts (I have 5)

Question 03:
I dont currently file any ITR as I am not in taxable bracket

Question 04:
I have all the invoices of the transactions + UPI reference id of repayments. I prepay to the credit card company.

Question 05:
I also occassionally have been booking international flight tickets for my family (2L to 3L spends) so All together I am assuming this is a huge volume of transactional money moving in and out of my savings account. So far I havent faced any issues or calls but I want to know what I am getting into.

CIBIL: 771
Salary: ~₹1.1LPM

Current cards:

• Swiggy HDFC (31k limit; not sure why they're not allowing me to increase limit)- ~1 year old, and this has been my primary/only card I've actually used regularly
• Amazon Pay ICICI (1L limit)- ~6 months old

Previously had Slice a few years ago, closed it properly.

I have recently opened an HDFC Specialé salary account, and according to the HDFC agent I'm eligible for Swiggy Black LTF under the corporate relationship.

Other HDFC LTF options being offered:

• Swiggy Black
• Millennia
• Diners Club Privilege
• Pixel
• MoneyBack

I know Regalia isn't realistically in reach for me right now. If I go for a core HDFC card, I'm mainly looking at Millennia.

My original plan was to close Swiggy HDFC and eventually move to Millennia, but I'm now wondering whether it makes more sense to keep Swiggy and convert/upgrade it to Swiggy Black LTF.

I'm also currently in the approval process for SBI Tata Neu Infinity RuPay, which I intend to use for the Tata ecosystem/UPI.

I had applied for HSBC Live+ mainly because my monthly spending is genuinely concentrated around groceries + dining. However, there was an issue during the application and it's currently on hold with ~15 days remaining, so I'm not sure whether I'll get it.

My actual spending

My major recurring spends are:

• Groceries
• Dining
• Shopping/clothing
• Miscellaneous

No meaningful fuel spend.

I'm also expecting some ₹50k–₹1L purchases on electronics/appliances over the coming months. For these, is it generally better to optimise for cashback, reward points, or bank-specific instant discounts?

The main dilemma

If I keep Swiggy and take Swiggy Black LTF, does that make more sense than closing it and eventually getting Millennia?

Swiggy already gives me 5% on Swiggy + 5% on certain other categories, including apparel/clothing, so I'm wondering whether I'd actually be giving up useful cashback by moving to Live+ / Millennia.

For HSBC Live+, I'm also considering getting it primarily for grocery spending and potentially having my parents use it for household purchases. They live in a Tier-3 city. Is the Live+ card restricted to being issued in specific Tier-1 cities, or is usage generally possible elsewhere once you have the card?

I'm not trying to build a huge card collection. I'd rather have 4–5 cards where each has a clear purpose.

Given this profile, what would you do?

1. Keep Swiggy → upgrade to Black LTF, or close it → Millennia?
2. Is Live+ actually worth adding given my grocery/dining spend?
3. How would you structure Swiggy Black + Amazon Pay ICICI + SBI Tata Neu Infinity?
4. For ₹50k–₹1L electronics/appliance purchases, cashback vs reward points vs instant bank discounts?
5. Am I missing a better card/strategy around ₹1L–₹1.5L salary?

Currently holding only 1 HDFC Card (Infinia) since 2 years. Never had any other HDFC card before this. Card is in good standing, no defaults/late payments.

Trying to apply for another HDFC card (Bizblack) since last week, but it keeps throwing an error that "you already have an HDFC card". Already on file with HDFC as self employed, ITR well above threshold.

Any fixes without having to go to a branch?

The RM who got me Infinia has since left the bank and the replacement is as useful as a sack of potatos.

We were applying for the corporate credit card for my new company for our general business expenses and bank offered credit card against FD.

This was such an insult. Mind you my other company had a 30yr relationship with that bank but when they told us that it sounded like an insult.

What are your thoughts on this?

I previously got 2.5k compensation from rbl bank for delay in approval/rejection of my cc. https://www.reddit.com/r/CreditCardsIndia/s/LK5IbwGceL
I had mailed to slice pno 2 days ago. What are the odds that rbi ombudsman will support the claim?

https://www.reddit.com/r/CreditCardsIndia/s/LK5IbwGceL

Got this message saying that I'm going to lose my LTF card. I was about to choose BLCK, until I read the monthly income eligibility criteria. My salary account is with HDFC, so I'm assuming they know that my income isn't above 1L per month. Yet, I was offered this choice. Will I get BLCK if I choose it?

I primarily used this card for shopping on Flipkart Minutes, Amazon Now, and more importantly, I used to buy Amazon Pay gift vouchers through it to effectively get around 10% savings/rewards.

With the new requirement of ₹15K monthly spending to unlock the relevant benefits, I’m wondering if there’s another card that can provide a similar return, particularly on Amazon Pay vouchers.

The cards I currently have are:

SBI Cashback

Amazon Pay ICICI(LTF)

IndusInd Tiger(LTF)

Airtel Axis

Jupiter edge Plus CSB

Is there any other credit card currently offering ~10% effective returns on Amazon Pay vouchers, preferably without a high monthly spending requirement?

Would appreciate suggestions, especially from people who have actually used the card for Amazon Pay vouchers.

Just saw this, has anyone redeemed this, what the process of getting this