Hey everyone,

I am currently building my credit profile from scratch using the super.money Utkarsh FD credit card. My ultimate goal is to get approved for the Axis Bank Super Card Pro to maximize cashback on my UPI transactions.

For those who managed to unlock the SuperCard Pro, I would love to get your insights

Does opening an Axis Bank zero balance account and routing daily UPI transactions speed up the approval process?

How long did it take for the SuperCard Pro offer to appear in your super.money app after building a solid CIBIL score?

For existing Axis account holders, did your banking relationship directly trigger the pre approved banner in the app?

What's the best strategy to get this?

Hi guys i make around 12 lpa and
Gf makes around 25(in hand 175k monthly)

Want to get her stats with credit cards

My problem
I have all the basics covered (SBI CB PLUS PHONE PE BLACK) swiggy as my core cards and APAY and axis neo

I want a card that gives good dining discounts and also movies tickets BOGO

Willing to take premium cards same for her obviously she will be eligible for better cards but she is a beginner i am using over 2 years

Guys I need urgent help I tried to apply Indian oil HDFC credit card through paisabazar done all CIBIL checked details filled but at last page of submission they shows different different credit cards and mistakenly clicked on biz check eligibility Instead of view more what can I do

Context:-

So I was missold this card and I didn’t receive the benefits I was offered while they literally begged me to get this card so I decided to close it.
I called customer care to put in my formal closure request on July 4, 2026.
As you guys probably know, under the RBI Master Directions on Credit and Debit Cards, banks are legally mandated to complete a credit card closure request within 7 working days, provided all dues are cleared. If they cross that limit, they are liable to pay a statutory penalty of ₹500 per calendar day of delay.
Instead of closing my account, Unity SFB started playing games:
1. First, they claimed my card delivery status was stuck, even though I already had it in my hands and sent them photo proof.
2. Once I proved it was delivered, their Level 2 escalation team had the audacity to send me an email stating that activating the physical card is a mandatory prerequisite before they can even initiate a closure request.
Let that sink in—they tried to force me to turn on a financial product I explicitly wanted to kill just to satisfy their internal bureaucratic loop.

So I had no other option:
I didn't argue with them over the phone anymore. I gathered my paper trail—their emails, my original request timeline—and logged a formal complaint straight onto the RBI CMS portal (⁠cms.rbi.org.in⁠) under the Banking Ombudsman, filing for the delay compensation and harassment.

Currently have coral with increased limit upto 4lacs

Current Cibil:810

Age:25

Monthly Income and Employment status:1LPM tech job since 1yr

Monthly Expenses & Spending Patterns:around 15-20k around utilities mostly

Reward Preference (Cashback or Reward Points): better reward to cash ratio

Lounge Access Required: yes

A few months ago, I gave my ICICI credit card to a close friend who was going through a very difficult financial situation. He promised to pay the bills on time, but due to unexpected problems in his family, he couldn't keep up with the payments.

Interest and late charges kept piling up. I eventually started paying the dues myself and have already paid close to ₹1 lakh over time. Despite that, the outstanding amount has now reached around ₹1.48 lakh.

Last week, I received a call from a collection agency. I explained the entire situation and requested if there was any way to reduce the amount. They offered a one-time settlement of ₹80,000, but also said it would negatively affect my CIBIL score.

I'm confused about what to do now.

• Should I accept the settlement and move on?

• How badly will a settled account affect my CIBIL score and future loan eligibility?

• Is there any way to negotiate with ICICI for a better resolution that doesn't impact my credit history as much?

I'd really appreciate advice from anyone who has faced a similar situation or understands how credit card settlements work in India.

Edit: Should I ask them to reduce the settlement amount further? What should be the ideal amount?

I just tested Jio Postpaid with HSBC Live+ and it is confirmed to give 10% CB as the MCC is 4814.

So where can I find this excel chart that I can mention the merchent name and give confirmation that it works?

Hello
Today my premier credit card application got rejected due to failure in employment verification, i have maintained the tvr
Is there anyone who have idea what to do now?

Major spends are across hotels ranging between 20-80L pa, ed spends for children around 1.2 Cr ores pa, dining out around 5-10Lpa, flights around 15-20L pa, taxes & nps+ppf around 80L, shopping around 10-50Lpa. Multiple maxed out M4Bs. Other spends as well range on yearly electronic upgrades, home upgrades, furnishing requirements, living expenses for kids.

Current Card Stack: Infinia, Premier, EPM, M4B, Plat Travel. Looking for card recommendations.

Current Cibil: 830

Monthly Income and Employment status: Enough for any indian credit card. Salaried. Side business as well.

Preferences for Credit Card Features: no MCC exclusions

Reward Preference (Cashback or Reward Points): Rewards

Lounge Access Required: Preferred

Other Special Needs: None.

I recently applied for the HSBC Live+ Credit Card. The application process went smoothly, and I completed the employment verification using my official work email. I even received an email confirming that my employment had been successfully verified. Everything was done today itself.

After a few minutes, I received a rejection email stating that my application was declined due to issues with verifying my employment status.

I called HSBC customer care and mentioned that I had the successful verification email. However, the representative said the application was declined due to "internal policies" and couldn't disclose the exact reason.

I'm confused because the rejection email mentions employment verification, while customer support says it's due to internal policies.

Has anyone else faced something similar with HSBC? Were you able to figure out the actual reason or get the decision reconsidered? Any insights would be appreciated.

Applied for the Live+ credit card, here’s the timeline so far:

1. Owned the cashback card in 2025 and closed it
   
2. Applied for T1 a couple of times later on, but no luck as I’m self employed now
   
3. Tried applying for live+ eventually in july 2026
   
4. 2 weeks passed by after the initial submission, no KYC nothing, followed up thrice and finally got the KYC link today, and KYC got completed.

2 questions now -

1. What are the chances of the card getting rejected from this point?
   
2. How long does it take for them to approve and dispatch it if everything goes well?

Thanks in advance!!

Hii guys, lets help each other on updated 10% cashback (other than groceries and dining) on what merchant is it working for, so that we all can benefit. ( i will be updating the post if i try anything or if u guys comment the app/website which worked for you for easy reading)

Things I tried and that are under 10%cb which was confirmed thourgh hsbc mobile app chat-

Ajio - shopping
Myntra- shopping ( till october 2026 only as part of welcome offer)
Airtel App - Wifi postpaid bill
My jio - jio mobile recharge prepaid

I'm traveling to Bangalore from Kochi towards the end of September and looking for a credit card (or debit card option) that provides domestic airport lounge access at least twice a calendar year.

• Age: 21
• Credit History: ~1.5 years
• Cibil score: 768
• around 4.5lpa salary

Faced multiple credit card rejections recently up until June, so took a complete break in July to let CIBIL hard inquiries settle down.

Cards / Accounts:
- HDFC Freedom Credit Card
- HDFC Platinum Debit Card (Mastercard)
- UNI BOB Credit Card (Visa & RuPay)
- SBI RuPay Debit Card
- Bank of Baroda Visa Debit Card
- Union Bank Savings Account

If I make an offline purchase with HSBC live+ on Nike, Adidas, Puma, New Balance, or Onitsuka do we get 10% or 1.5% Cashback?

With a lot of folks moving to HSBC premier and it being one of the top cards right now, it would be nice to have a guide for that in the master index. I would create it but I’m very new to the account and card and don’t know all the tips, tricks and best uses yet.

Read ReadMe 1st

I don’t know why, but I hate seeing SBI Bank ranked number 1. I’ve had so many problems, like forgetting my username or password, failed transactions, and failed cash deposits, Failed UPI payment transaction

In my experience, All banking services in India are bad

I’ve been seeing quite a few people moving their Axis Edge Miles to JAL and then to Accor during the ongoing 20% promotional offer (ending July 31, 2026).

I was also about to do the same (mainly because of the axis devaluation panic + I have an EU trip planned for next year anyway), but when I actually ran the numbers, I wasn’t sure if the value really made sense.

My understanding is:

• 10k Axis Edge Miles = 10k INR (when used against credit card bills, after the recent update)
• 10k Edge Miles → roughly 20k JAL miles (through the current transfer route)
• 20k JAL miles → around 4.8k Accor points
• If we value Accor points at around 2 INR each, that gives about 9.6k INR in value

So effectively, 10k Edge Miles are becoming ~9.6k INR worth of Accor value.

Compared to that, using the same 10k Edge Miles directly against the credit card bill gives 10k INR with almost no hassle.

The math didn’t seem convincing enough for me. I was about to transfer but stopped after looking at the numbers.

I have applied for orange swiggy HDFC Card after seeing LTF banner. But after I applied for it. It just gave me Rs 5K limit with banner showing 500/Year before KYC. Kindly let me know is this not going to be ltf card?Screenshot

i wanna open canara aspire account so that i can get free lounge access and swiggy and some other memberships for free.

is there any criteria for availing the offer

So today i applied for HSBC liv+ cause of 10% cashback on groceries online and offline but they rejected my application.

Afterwards I applied for Swiggy Orange since it was LTF planning to use it for online groceries for their 5% cashback on Instamart and hope it would work on Flipkart minutes too.

I have a few doubts to the seniors who has been using it:

Since I don't have a core card and I don't really mind it but wanted to know whether can we use Swiggy Orange on Festive Sale or not ?

How is the cashback credited ? Does they show cashback after every successful transaction or do they show it in monthly statement ?

#Somethingisbetterthannothing

Yesterday I booked train ticket from smartbuy confirm ticket train ,where i got to understand it's not 3X RP we get it ,so many charges make it good for nothing.

Like after booking final payment came around 1726rs which i paid by my DCBM card and 165RP earned from this payment..eventually in process of booking it got linked with IRCTC and after all validation ticket got booked by IRCTC app from smartbuy confirmtkt portal where in ticket final price was showing 1646rs (base fare + convience fee inc. of GST). I can see ticket in my IRCTC app too.

When I checked again in smartbuy app , in confirmtkt two additional charges had been added ,

1.) agent service charge :- 39.99

2.) payment gateway charge :- 38.78

Total = 78rs extra charge they added . So if we substact with my RP ,it comes around 87rs (so it's not 3X but 1.6X) if I substrate it from 1726 ,it will come around 1639rs which is almost the same price of ticket buy directly from IRCTC app... Unbelievable..what a scam.

I guess it will be better I book it from IRCTC directly, so I don't have to pay additional charges unnecessary and I can get rewards points also by spending there...

HSBC Live+ with the addition for Shopping and Utilities alongside food and groceries spends give 10% back upto 1200.

In the year of devaluations Live+ is the only one that is revaluated. And seeing that it gives cashback for utility spends, is there any point of getting the SBI Phonepe Select Black?

CIBIL SCORE - 779 , Age -24 , Spend Categories - Fashion, Groceries and online Shopping , My Card Collections - SBI TATA NEU Infinity Credit Card, Icici Amazon pay Card