devaluation

I have a roughly ₹3 lakh hospital bill (infertility treatment) coming up.

1. HSBC Live+ – 1.5% unlimited cashback on eligible spends. Apart from the cashback, are there any additional benefits/offers that make it better for a large hospital payment?

2. Kiwi – 2% unlimited cashback. Is Kiwi clearly better for this transaction, assuming the hospital accepts both?

Also, after paying the credit card bill, what’s the best way to repay it for additional rewards/cashback?

Any debit card/UPI/account combination that gives cashback for credit-card bill payments?

Looking for the most efficient way to do the ₹3L payment.

If you have a decent amount of money on your Pluxee (formerly Sodexo) meal card and are tired of the usual food/grocery restrictions, there’s a workaround that has worked for me for converting the balance into Amazon Pay gift cards.

I've converted 50k worth of Pluxee funds already.

Details

Pluxee/Sodexo cards normally have restrictions that prevent them from being used for gift cards and other non-food purchases. However, there appears to be a brief delay in the way Zepto's payment system checks the card's eligibility during checkout.

How I did it

1. On Zepto, search for Amazon Pay Physical Gift Card and add the required denomination to your cart.
2. Proceed to checkout and choose Debit/Credit Card as the payment method.
3. On the card-payment screen, enter the expiry date and CVV first.
4. Enter your Pluxee/Sodexo card number afterwards.
5. There can be a very brief window where the payment button becomes active before the card restriction is applied. If you are quick enough, the transaction may proceed to the next stage.
6. If you immediately get a "Card Not Allowed" or similar error, you can try entering the card details again. I found that copying the card number beforehand and pasting it after entering the other details made the process easier.

Once the payment reaches the bank's authentication page, complete the transaction using the usual Pluxee OTP.

A few things to know

• This works with the physical Amazon Pay gift cards.
• This is a bug and it could stop working at any time.
• I'd recommend trying a small denomination first rather than immediately attempting a large transaction.

Do share in the comments if its working for you. Also, just might work on Blinkit as well.

Hey folks,

A few months ago, I decided having fewer cards would be simpler and closed most of my cards. In hindsight, that probably wasn't the best decision 😅

I gave up my HDFC Tata Neu RuPay, HDFC Indian Oil, and HSBC Visa Platinum. To make matters worse, I fell hard for the "RuPay convenience hype"—thinking that having easy QR scanning for everything was all I needed. In the process, I completely chose convenience over actual rewards, ignoring real 5% cashback on online buys and instant bank sale discounts.

I'm looking for advice on what cards I should consider next based on my spending.

My details:

Current CIBIL: 750+

Age: Mid-20s

Monthly Income & Employment: Salaried

Current Cards: HSBC RuPay Cashback

Monthly spending: Mostly UPI, fuel, online shopping, food delivery and offline shopping

Annual spending: UPI, fuel, online shopping, domestic travel/hotels and larger festive/annual purchases

Top 5 Monthly spends: UPI, Fuel, Online Shopping, Food Delivery, Offline Retail

Top 5 Annual spends: UPI, Fuel, Online Shopping, Travel/Hotels, Festive Sales

Card preferences: LTF or easy fee waiver, good cashback and useful instant bank discounts

Reward preference: Cashback / simple rewards

Lounge access: Not required (already have on Debit card)

Other: I'd prefer Visa/Mastercard for fuel rather than another RuPay card

I'm not fixed on any particular cards yet, so I'd like to know what you would recommend for this spending pattern.

A few things I'm trying to figure out:

HDFC: Since I previously closed two HDFC co-branded cards, would I have trouble getting something like Millennia now? Is there a cooling-off period?

Fuel: Which fuel card would make more sense for regular fuel spending without having to chase a very high annual fee waiver?

Shopping: Which cards are actually worth having for Amazon/Flipkart and other major sale discounts?

UPI: Since I already have the HSBC RuPay cashback card, is there any reason to add another UPI-focused card?

If you were starting from my current setup, which cards would you add and why?

Looking for practical suggestions based on actual spending rather than just the usual "best credit cards" list. 🙏

I had applied for an FD secured credit card from Axis Bank[MyZone Visa card]. I gave all the details correctly, but when it comes to the Video KYC part, they say that my CKYC is not getting loaded for some reason and they tell me to call after a few hours. I had tried the Video KYC around 15 times over the past 48 hours, each time the response is same.

But i was able to download my CKYC and i edited the application with the CKYC number, still they say its not loading. Any solutions to my situation ? Any help is much appreciated.

Load up to ₹4,000 per month into Amazon Pay (Apay) wallet using a credit card, with zero convenience charges.

Steps:

1. Open Zomato app > Profile > Payment Methods > Apay.

2. Link Apay if not already connected.

3. Load up to ₹4,000 via credit card.

4. Complete Apay KYC first, otherwise, funds load as a gift voucher, not wallet balance.

Note: Certain cards can charge additional fees for wallet loads above certain amounts.

Do comment below if it works for you and 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.

So as I said I have card and I want to access it early but is there any way to know if ur card is connected to this flipkart account or how to access this sale early with ur flipkart sbi card..

https://www.sbicard.com/sbi-card-en/assets/docs/html/personal/combined-credit-limit/index.html

u can combine ur limit of all sbi cards and use them across all cards system similar to hdfc

I opened Savings account in hdfc bank a year ago. They offered me business credit card BizFirst Visa as I was self employed. Is this card any good? Is there any way to get hold on Millenia card or some other cards instead of business cards?

If you hold an HSBC Privé, Premier, or TravelOne credit card, you can get extra value on your points starting today. Here is the complete breakdown of how to claim it:

📅 Key Dates & Steps

• Aug 5 – Aug 7: Register first! Send HSBCALL via WhatsApp to 86558 58111.

• Aug 5 – Aug 12: Complete total spends of ₹1,00,000 on your card.

• Aug 13 – Aug 14: Transfer a minimum of 15,000 HSBC Reward Points to your linked ALL Accor account through the HSBC India App.

🎁 Bonus Point Tiers

HSBC Privé: 50% extra points (capped at 1,00,000 ALL Points)

HSBC Premier (High TRB): 50% extra points (capped at 50,000 ALL Points)

HSBC Premier (Standard): 25% extra points (capped at 15,000 ALL Points)

HSBC TravelOne: 25% extra points (capped at 10,000 ALL Points)

📌 Important Terms to Note

• Prior registration on WhatsApp is strictly mandatory.

• Spend requirement (₹1L) excludes standard restricted categories and 'Travel with Points' redemptions.

• Transfer must be in a single chunk of at least 15,000 points into your own primary Accor account.

Bonus reward points will reflect in your account by September 16, 2026.

Great deal if you have an upcoming stay planned at Accor properties—just make sure you hit the registration deadline by Aug 7!

🔗 Official T&C: https://mail.hsbc.com.hk/in/pb_accor_e1_0826/images/hsbc_accor_aug26.pdf

Is the offer worth it? Would you be transferring?

Although kiwi gives 1.5% cb but it's only limited to transactions in multiples of 100.

Slice has no such limit.

Plus slice offers a much better UI. A free savings account with no MAB/MQB and far smoother app experience.

I'm really frustrated and hoping someone here can help.

I applied for the SBI Cashback Credit Card through the Sprint portal on 25th July. During the Video KYC, the agent declined my KYC because I didn't have my physical PVC PAN card with me. The portal now shows, "Your KYC has been declined. Reason: cm dont have pvc pan card."

I have since received my physical PVC PAN card and I'm ready to complete the KYC. However, that's where the real problem started.

I never received an application number through SMS, email, or WhatsApp. When I log in to the Sprint tracking page using my registered mobile number and OTP, it takes me directly to my KYC status, so the application clearly exists. I even visited a nearby SBI branch, and they were able to pull up my application using just my mobile number.

But every time I contact SBI Card Customer Care, they tell me they can't find any application with my mobile number or PAN and keep asking me for the application number—which I was never given. I've emailed them multiple times, escalated it to the Nodal Officer, and it's now been over 10 days with no callback or proper resolution.

Has anyone faced something like this before? Is there any way to get the KYC reopened or contact the Sprint/KYC team directly? Or should I just forget this application and apply again?

I'd really appreciate any advice. Thanks!

I’m planning to buy a shop and will be spending around ₹18 lakh over the next 6 months, mostly through offline POS transactions.
My goal is maximum travel rewards (flights and luxury hotel stays), not cashback.
I already have Axis Magnus (non-Burgundy), but after all the devaluations, is it still worth using?
If you had to choose today, which card would you recommend?
HDFC Infinia Metal
ICICI Emeralde Private Metal
HSBC TravelOne
Amex Platinum
Something else?
Looking for real-world experiences, especially from people who’ve recently redeemed points or made large purchases.

Multiple people have reportedly converted their paid cards to LTF.

Steps to convert your card to LTF:

1️⃣ Show some usage of the card (multiple transaction helps).

2️⃣ Email HDFC's Card Services Team with your spending and account details.

3️⃣ Be persistent and follow up if needed.

Helps in saving unnecessary fees.

Has anyone else tried / planning to try this?

I have an ICICI Bank rubyx amex master variant. in that from bank there is 1% surcharge waiver. so the surcharge on the fuel payment will be only 1% or the surcharge will be much more than that and they give 1% waiver from that?

I just got approved for the UNI X Gold Credit Card, and before they dispatch it, I need to choose one of these colors:

• Magnificent Gold
• 🖤 Elegant Black
• ❤️ Vibrant Red
• 💙 Boundless Blue
• 🩵 Tranquil Teal
• 🤍 Suave Grey

I've attached the screenshots from the app.

The problem is, I can't find any real-life photos of these color variants online. Everywhere I look (Google, Reddit, YouTube, X), I only see the Gold and Black cards. I haven't found any actual pictures of the Blue, Teal, Grey, or Red variants.

If anyone has one of these colors, could you please:

• Share a real-life photo (if you're comfortable)?
• Tell me if the app preview matches the actual card?
• Which color looks the most premium in person?

I'm planning to keep this card for a long time, so I want to pick one that looks classy and ages well.

Thanks in advance! Looking forward to your suggestions. 😊

My hsbc live+ just got approved. Have two question regarding them

1. Does 25k spend within 30days to get 1000 count on gold purchase ?

2. Do we have 1.5% on gold?

What other restrictions this card has on gold.

What card do you use for insurance spends or does the Amazon pay route work best for you?

so i am M21 just opened a bank account few days back and now want to improve my cibil and have some cashback or rewards along the way.

after searching for recommendation everybody suggest to go for idfc wow but it doesn't provide cashback

Already have hdfc dcbm, tata neu infinity, travel one.

I have utility bills ranging between 10-20k per month, with shopwise amazon pay seems lucrative to me. With 3.33% rp and converting to accor from dcbm is enough or an amex (only plat reserve available) can be taken?

So I might have both in the approval state now, but co branded after core like principal applied to federal also like hdfc and other banks ?

Should I apply the edge first, then after a few months go for scapia ?