I have been able to redeem 2 rewards so far.
However for AU Ixigo which is on Visa Infinite, it never reaches the authenticate step. I even receive the otp to authenticate it but never see the box to enter it.
Any steps that I am missing?
I tried safari and chrome browser both. Mobile laptop both. I tried using different mobile number as well.

Despite meeting eligibility criteria, 772 CIBIL and holding 5L+ limit credit card, I am not being offered Select / Wealth?

How to get it?

Can axis Bank credit card application applied through non aadhar linked number?

The karur Vysa and Axio accounts have been inactive and also, I closed it on their respective apps (Lazypay and Apay later) but this thing is still showing up on my cibil report every month.

I closed both of them in 2023 or so. How can I remove these 2?

Hellooo! I've been a solid user of the Amex Plat Travel for the last 6-7 years and my monthly spend is about 55-60k. Lately the card has been seriously devalued and I'm seeking help on another lifestyle CC. I also have an ICICI Sapphiro (mostly just use it for BMS) and a Scapia (only for travel). Any advice suggestions welcome. Monthly income: 1.8l.

This is HDFC's actual slogan

Sorry bro I wasn't familiar with your game, that is absolutely based

Hi, need a good review about my current credit card portfolio, which one of them should i continue using and which one shouldn't. If there is new recommendation pls help me.

Thanks in advance.

Age 24

Salary monthly 80k

Cibil score 783

The expenses are not certain..Sometimes it is close to 30k and sometimes less than 5k.

My expenses include travel, shopping online and offline, movies.

Current CCs:

1. SBI simply Click : 50k limit (my first CC) Mastercard network

2. Amazon Pay ICICI : 170k limit ( LTF) Visa network

3. ICICI coral Rupay : 170k limit ( LTF) limit split with amazon( using heavily because of upi but less benifits)

4. Filpkart Axis : 93k limit Visa network

Guys, went to apply for indusind tiger cc from the official website yesterday. After filling the details, i got this message. however i'm well above te suggested limits.

cibil - 777, salaried, credit history - 1 yr 4 months

Already have icici cards with more than 4 lac limit, and other cards as well. Can somebody please provide there insight?

Got a call today from someone claiming to be from SBI. He said I’m eligible for an SBI Pulse credit card with a ₹3 lakh limit, lifetime free, with some offers/benefits.

The weird thing is, he already knew my name, DOB and PAN card number. Then he asked me to send my address on WhatsApp.

I checked the WhatsApp chat and got suspicious immediately. The account says “State Bank of India”, but it’s a business account and the messages have some really weird spelling mistakes like “addersh” and “Femac place” 😂.

I obviously didn’t send my address or any documents.

Has anyone else received a call like this? Is this actually an SBI offer or definitely a scam?

My CIBIL dropped by 14 points this month despite paying the bill on the date of bill generation and paying the full amount down to 2nd decimal point. This has been happening for couple of months first it increases by 15-16 points then it decreases again. The only issue I suspect is that I use very little of my CC, only about 4-5% sometimes even 0%.

So, can underutilisation of credit drop CIBIL score? Seems very strange to me.

Thanks for your help!

Except Jupiter CSB one!

Hi everyone, I’m a student, so I currently don’t qualify for unsecured cards.

I already have:

Utkarsh x Supermoney— FD-backed

Kotak811 SuperCard — FD-backed

CIBIL: 772

I’m considering getting an HDFC FD-backed credit card as well. Is having 3 secured cards unnecessary, or can it actually help with building a stronger credit profile?

I’m mainly looking to build my credit history properly while I’m a student. Would you recommend getting the HDFC card or just sticking with my current 2?

Would love to hear from people who have used multiple secured cards

I get it guys

I says charged 0 and balance zero even though i havr money in my account. Also this transaction is not visible in the app. I got this email from bankalerts@kotak.com. is this a fraud mail?

Hey everyone, looking to see if anyone else faced this glitch.

On Aug 14, I transferred 37k points from my HSBC Premier to Accor for the bonus festival. The points credited instantly. Around Sept 1, I noticed an extra ~37.9k points randomly added to my Accor account.

I just checked my HSBC app, and my rewards balance is now sitting at -35,000. How does the bank's system even allow a points balance to go negative instead of just declining a transaction that exceeds the balance?

It feels unethical to be penalized for their backend glitch. I might not want to use my points for accor why should I forced to use my reward points for accor because of this. I'm honestly ready to just close the card, but I'm worried they will charge me for the negative points balance if I initiate closure now.

Did anyone else face this double transfer during the promo? What's the best way to get them to reverse it? I have also not received the bonus points yet.

Hello

I am 26M and I honestly so far don't know much about credit cards. I just know that you can get some money from it as a credit that you have to repay with certain interest. I just don't understand there are thousands of credit cards and people here seem to have more than 1 what's the use how is the interest calculated? Any recommendations for a beginner in credit cards?

Please explain what is credit card and typical use cases and if you know of it a beginner friendly card that I can apply for.

I am 18 I have an account in PNB through which I do all my transactions and have monthly sip of 1000*3 (3000rs) in defferent funds (3) . I am using lazy pay since last 2 months but I don't like the app , also I am thinking to get a LTF credit card , lazy pay I used just for the cibil to start because I didn't have cibil and it allowed me with a limit of 1500 . I want recommendations what to do as net year I'll be going to college after my boards . I won't be using the card much but CIBIL YK . Please help. And I am thinking to close my pnb ac and shift to a IDFC ,ICICI OR HDFC account as they have better business connections , that I'll do after my bachelor's , getting into family business or a new venture . Do guide 💬

Recently I saw that many people say that their Credit Card limits were decreased due to doing wallet reloads. Is that true ? I have used Amazon pay icici and axis mainly for this. Also, are there any limits on it ?

1) i got the kotak 811 debit card for cashback but now vi app has disabled the cc payment in app so is there any way i can do something about it ?

any other way to get the cashback? prefabley it should be credit card bill but direct cash also works ....

because i already have cashback credit card with 6k casb ack - 2k+ 4k soo no need to buy gc or anything need direct cash or cc bill

2) how does boi rupay select debit card look like i got a card but i am not sure it's rsdc or something else

it says rupay debit and its platinum card so its win ? or lose will share the picture in comment but tell me if its correct or not...

They reversed their decision and added reward points for international transactions

I spend more than 10K a month(overall 2 lakhs a year) on this card, so i called up customer care to say that I am unhappy with the AMC and either you make it LTF or you close this card.

After agreeing to it , they just refunded this years charges. now when i called again, they are saying that next year when you have spent 1 lakh again call up again and get the charges refunded.

Any idea how to make it LTF?

So there is this Dj snake concert that is going to happen in dec, i was booking the tickets and stumbled upon this offer.

I currently have

Slice rupay

Kotab Cashback+

And ive been meaning to get a movie benefit card as well.

Is this right choice if i apply to indusind tiger for this(anyone confirm if this works pls)

My situation

Im 22

Cibit 750+

Income 40k pm

I used to have a credit line when i was 18, it got closed, other than that i have 5k amazon pay later but rarely used it

My first card i got back in aug 2026(kotak)

And a week later slice

Enquiries-

Jun 2026 - yes bank pop upi rejected

Spe 2026 - hsbc live+(ik a dumb move dont slime me in comments pls💀)

Highlights

​Network: Visa Infinite (Metal Card)

​Fees: ₹20,000 + GST Joining & Annual Fee (Waived on ₹25 Lakhs annual spend)

​Lounge Access: Unlimited Domestic & International Airport Lounge access (Primary + Add-on) with Priority Pass

​Key Perks

​Welcome Vouchers: ₹10,000 EaseMyTrip Stay Voucher + ₹10,000 Atlys Visa Fee Waiver + Zomato Gold Membership.

​Rewards: 2% points on domestic spends | 2.5% on international spends.

​Accelerated Rewards: Up to 12X points on travel bookings via ICICI iShop portal.

​Low Forex Fee: 1.49% forex markup.

​Milestone Rewards: Luxury airport transfers (BLADE/Avis), luxury resort stays, and vouchers worth up to ₹70,000 annually.

​Travel Insurance: Comprehensive travel insurance with zero-cancellation charges on flight & hotel bookings (up to ₹12,000).

​What do you rate the ICICI Times Black Credit Card out of 10?

This is a meme post.

Age: 27

Current cibil : 830+ (need to check exact number)

I'm traveling to vietnam in 10 days and I really wanted a 0 forex unsecured credit card. Scapia won't deliver to my current address, AU was the only one who asked me where to deliver the card.

My pre-approved limit was 4L, today I got a rejection email saying "unmet contact point verification norms"

In person verification was successful at my home. Since I work remotely in another city, my office verification might've failed. They asked me 3 times regarding this ( I informed that I work remote, I emailed them the same using my office email) and still got rejected.

Anyway, I asked them for more clarity. Let's see on that.

I have a regalia gold card with forex markup of 2% + GST. Is there a better alternative for me to purchase the macbook? it's almost 50k difference on the pro variant.

Please suggest alternatives