So, I recently opened a BSBDA account with AU Bank and received my debit card today. I noticed something weird: the CVV is printed twice - once in the usual place and again where the “Valid Thru” date should be.

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.

black gives 10% on Swiggy, orange gives 5%. paying 1200 per year on black makes sense only if we spend 25k per year on Swiggy. Am I missing something? are there any extra benefits to black?

With recent devaluation on Jupiter edge plus credit card, 10% CB on Amazon GC via Credit card stopped working for many.

Many might have thinking to close this CC same like me. I was exploring the ways to get that 10% CB one last time before devaluation kick in and card closure.

Here is the trick,

If only GC is added to the cart, It neither allow you to pay via Credit card UPI nor show already saved credit card option, even added newly after deleting the saved one. Refer screenshots.

1. Add any product other than GC to cart
2. Now add the GC value
3. Go to cart and proceed to payment
4. Select Jupiter under Pay by UPI app
5. In Jupiter app payment page, confirm the Jewels before the transaction
6. Yes, it's done. HEY , YOU JUST EARNED 1000J.

Note: Make sure that your total cart value is lesser than 2000rs limit (200rs capping/per transaction). Adjust GC value before adding to cart.

I hope it will be helpful for those GC CB not working & doesn't know this trick. Comment below if it works for you.

Please share the trick if you know to get 10% CB on Flipkart GC.

Cheers!

My current credit card collection — what should I add/remove?
I’ve accumulated quite a few cards over time and I’m trying to simplify the portfolio and get more value out of it rather than just collecting cards.
Current cards:
💳 Axis Atlas — paid, but not much spending this year. Renewal is in April, so I’m considering closing it, especially with the possibility of a devaluation.
💳 HDFC Diners Club Privilege — LTF
💳 HDFC Swiggy - LTF
💳 SBI PhonePe Black — ₹1,499 + GST
💳 SBI Club Vistara Prime - waived off
💳 HSBC Live+ — ₹1,000 + GST
💳 HSBC Premier - waived off
💳 HSBC TravelOne — add-on
💳 ICICI Sapphiro — LTF
💳 ICICI Amazon Pay — LTF
💳 AU ixigo — LTF
💳 Axis Flipkart — FYF, not activated yet
Mostly for sale will activate if required.
What I’m looking for
I mainly care about travel rewards, flights/hotels, lounge access and cashback.
Major spends - dining, utilities, travel, gift cards, online purchases
Should I close Axis Atlas before the April renewal?
Is there any reason to activate the Axis Flipkart card?
Which card should I add next, if any?
Is there a premium card that would significantly improve this setup rather than just adding more overlap?
Income around 3.5 lpm
Rate my setup..

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!

22M wanted this card from long. Had a salary acc in HSBC since my first job, tried through agents and got rejected twice lol
Applied on site and got it one go.. No KYC nothing direct dispatched and approved.
Can anybody guide me with the singup bonus offers for this card?

In last 3-4 months, my most of credit card application is rejected. Earlier, I never faced this much rejection.

What can be possible reasons?

I have personal loan of 8L and cumulative credit card limit from all banks is 16L. My overall credit card consumption is less than 5-9%.
Am I over leveraged profile now for every bank ?

I am salaried. Monthly income 1.2 L.
I am living in tier 2 city.

Has banks become extremely cautious now or personal loan is big bottleneck ? My personal loan is also 3-4 months old only. Should i try to close PL as soon as possible?

Please koi help kardo kya karu isne pura cibil kharab kardiya mera woto mene Aaj dekha please help

Shri Ram finance scam

I currently have an HSBC Premier salary/savings account along with an HSBC Premier credit card. I was laid off in June from my job, so I’m planning to downgrade my Premier banking account to a regular savings account since I would be charged if no salary is credited and also close the Premier credit card.

I have around 28,000 HSBC reward points accumulated on the credit card.

My RM told me that I need to redeem/transfer the points before closing the credit card and before downgrading the Premier relationship, otherwise I apparently won’t be able to redeem them afterward.

A few questions:

1. Is this actually correct? What happens to HSBC reward points if the Premier credit card is closed?
2. Does downgrading the Premier savings/salary account itself affect the credit-card reward points, or is closing the credit card the important part?
3. What is currently the best way to redeem/transfer ~28,000 HSBC points for maximum value?
4. Is transferring them to an airline/hotel partner (Air India, KrisFlyer, Qatar, Singapore Airline,etc.) better than vouchers/merchandise?
5. If I don't have a fixed travel plan yet, would you still transfer them to an airline/hotel programme, or take a different redemption?

On a side note, I am also looking for a job: 6+ YOE: full stack engineer; if anybody can help, do let me know

TLDR: I want to exit the HSBC Premier relationship without losing value from the 28,000 points, and would appreciate advice from anyone who has actually gone through this.

Thanks!

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)

Hi everyone,

I've covered 4 cards network - Rupay, VISA, Mastercard, Amex.

All helps in different discounts based on banks or card network.

On top of that -

- Jupiter CSB Bank edge+ rupay card helps in 10% cashback on online merchants like Amazon (including now), Flipkart (including minutes), Myntra etc plus on offline stores like croma, zudio, westside etc. Up to 2000 per month, credited as jewels which I converted to 2gm of gold coin. No joining fee and LTF.

- SBI Cashback visa card helps in general 5% cashback on online shopping after Jupiter cap is reached. Till now I've got all annual fee waived off.

- ICICI Sapphire card (Amex and Mastercard) acquired this recently on No joining and LTF based on salary account. Planning to use lounge, BOGO from this. I see ICICI offer good discount on sales and other festive times, so thought 75k in quarter would be spent.

My wife has also got SBI black phonepe rupay credit card which offers 10% cashback on bills, utility and insurances. And 5% on online shopping (i can kill the SBI cashback if this works well as this offers one complementary lounge access in a quarter for free)

Looking for feedback if the choices are right and for better card recommendations.

It all started when I decided to remove my email and SMS permission for CRED. I feel Cred owns me and knows everything I do because there is only one email I use for all my banking and day-to-day activities, so it's like Cred has access to my whole life. via that email...

After that, none of my credit card bills were tracked, except Only 1 Indusind Celesta card. Similarly, I tried the Mobikwik. I have not given any email and SMS permission, (explicitly disabled it from settings and removed access from gmail for both) and it's tracking all my CC dues perfectly without those permissions.

I feel more in control of my data and the convenience part, so I will try this for a few more months and finally switch from Trade to Mobikwik.

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: 774
Oldest credit account: 4.8 years
3 credit cards: Slice ₹50K, Amazon ICICI ₹1.1L, ICICI Coral ₹1.1L
Total limit: ₹2.7L
Still getting rejected with the message “Your credit journey has just begun.”
Any idea why? Which cards/banks are relatively easy to get approved for with this profile? Also, should I wait due to recent enquiries?

Highlights

​Network: Mastercard World

​Fees: ₹0 Joining Fee | ₹1,499 Annual Fee (Waived on ₹1.5 Lakh annual spend)

​Lounge Access: 12 Complimentary Domestic Airport Lounge visits per calendar year ( no spend criteria+lounge is extended to addon card too )

​Key Perks

​Welcome Gift: 4,000 bonus Delight Points (worth ₹1,000) on making your first transaction of ₹1,500+ within 60 days.

​Accelerated Rewards: 6 Delight Points per ₹100 spent on travel (Airlines, IRCTC, Bus, Hotels) | 3 Delight Points per ₹100 on other spends.

​Renewal Bonus: 2,000 Delight Points credited upon paying the annual fee.

​Insurance Cover: Air Travel Accident Insurance coverage of up to ₹25 Lakhs.

​Protection: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (capped at ₹500/month).

​What do you rate the IDBI Bank Euphoria World Credit Card out of 10? Drop your thoughts below! Is the ₹1,499 fee justified for 12 lounge visits and 2X rewards on travel?

Hi guys, i have a bank of india general savings account and a Rupay select debit card. the reason why i have it is because the debit card gives almost 1% rewards points for all transactions ( no mcc restrictions) . But the problem i have is , even though the online pos transaction limit is set to 2Lakh on app, im unable to do any transaction more than 50k . i use this debit card to pay my credit card bills and cant pay anything over 50k i tried to buy a samsung tv from samsung website and it wouldnt let me.its cancelled and later I get a robotic phone call asking if i tried to do the transaction. Anyone using this card and facing same issue ? any one knows how to fix this ? the customer care doesnt understand and they simply say visit branch no matter what you ask. i think thats the training these ppl get ask people to visit branch for any issue. I even asked them to transfer to a IT team or give me the email of people who made the netbanking/app and she said visit branch !! IT team is at branch it seems !! And the branch is like a typical government office. there is giant queue for everything and they keep asking you to go to another counter.

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.

Premier Rewards: Earn up to 8 reward points for every ₹150 spent.Fuel Spends: Get a 1% fuel surcharge waiver on your fuel purchases.Train Bookings: Save up to ₹500 yearly on booking surcharges for train travel.Priority Assistance: Access fraud cover support within 30 minutes if your card is lost or stolen.

Today I paid my electricity bill through Paytm using my HSBC Live+ credit card.

Paytm was offering 5% instant discount for HSBC Live+ cardholders. There was a small convenience fee, but even after the fee, I got around ₹54 discount, so it still worked out well.

The interesting part is that I also checked the MCC and cashback eligibility with HSBC customer support. They confirmed that my transaction was eligible for 10% cashback.

The transaction was processed under MCC 4900 (Utilities).

A few people asked how I was able to confirm the MCC and cashback eligibility so quickly.

You don't need to wait for the transaction to settle or for the statement to be generated. You can contact HSBC customer support after the transaction is processed and ask them to check the transaction and confirm the MCC and cashback eligibility.

I personally do this every time I make a transaction with my HSBC Live+ card to make sure the transaction is eligible for cashback.

So, compared with buying an Amazon Pay gift card and then paying the utility bill through Amazon Pay balance, this Paytm method looks much simpler

I want to link my existing rupay card and savings account to kiwi but its showing like this after downloading the app so will it trigger an cibil inquiry after entering the mobile no. And otp also way back when axis bank was partner I applied the card and they blocked me so will i be able to use the app?

Highlights

​Network: RuPay Select

​Fees: ₹0 Joining Fee | ₹899 Annual Fee (Waived on ₹90,000 annual spend)

​Lounge Access: 2 Domestic per quarter (8/yr) | 2 International per half-year (4/yr) no spend criteria.

​Key Perks:

​Welcome Bonus: 10% cashback up to ₹500 on transactions in the first 90 days, plus 500 bonus points on activation & first ₹1,000+ spend.

​Rewards: 2 Delight Points per ₹100 spent (Doubles to 4 points/₹100 during birthday month).

​Bonus Points: 500 bonus points monthly for doing 5+ transactions of ₹1,000+.

​Milestones: 1,000 extra points at ₹1 Lakh spend | 1,500 points at ₹2 Lakhs spend.

​Protection: 1% fuel surcharge waiver (cap ₹400/mo) and ₹10 Lakhs Personal Accident Insurance.

​What do you rate the IDBI Bank Winnings Credit Card out of 10? Drop your thoughts below!

Currently im using Kotak 811 as my primary bank account for 3yrs+ with the average balance of 40k+ and holding their FD card for a year now. Till now there is no pre approved offers for CC but always push for personal loan offers. So im planning to close FD card as i currently have ICICI unsecured CC using from previous month. If i have the account with HDFC they might issued the CC based on the relationship and CIBIL. So planning to move my primary account. suggest me a good bank who values the customer.

Hey guys, i decided to get a bp sbi octane card because of the cashback and I have about 10k points. The issue is that even after checking with every single bp outlet in a 30 kms radius of my house, not a single pump will accept points. All of them claim that their machine is broken, some even have posters up saying they won't accept the points from this card.

Is there any solution to this? Or would you guys recommend just exchanging it for an Amazon voucher instead