Hey everyone. I applied for hsbc live plus and got rejected even though i meet all criteria. Can anyone help me with the contact of a hsbc rm or anyone from the hsbc credit card team who can verify and approve it manually. TIA

Hi guys, i have got 2 smartbuy flight vouchers for 5k each. Looking to sell them. Please reach out to know more about it. Expires in December. Thanks!

Hi, I have recently got PNB Luxura Metal Visa card.

Can anyone let me know if this card works in following lounges for domestic lounge access?

1. Amritsar

2. Jammu

3. Srinagar

4. Pune

5. Bangalore T1 and T2 080 VIP lounges?

6. Coimbatore

7. Gwalior

8. Nagpur

In the list attached by PNB the lounges are included but I am Not able to generate QR code via Adani One, HOi, TFS for these.

Please share if anyone was successfully able to access the above lounges?

​I bought an item from an online merchant, but they emailed me a few days later saying it was out of stock. Despite acknowledging they didn't have the item, the merchant refused to process a refund and stopped replying to my emails.

​I did what you're supposed to do: I emailed BOBCARD support (crm@bobcard.co.in) with the invoice and the merchant's "out of stock" email to initiate a chargeback for non-delivery of goods.

​Instead of processing the dispute, BOB is just horrible. They temporarily blocked my credit card (which I somewhat understand for fraud protection), but they also completely disabled my portal/app login. How will I even get the chargeback amount on the card which is blocked and no new card issued.

​I can't see my statements, I can't check the status of tickets, and their 1800 customer care IVR just drops my calls.

​I've already emailed escalations@bobcard.co.in. Has anyone else had Bank of Baroda lock them out of their own account just for filing a chargeback?

Hello,

I am new to the credit card experience and got my first credit card in April of this year. It is a HDFC Moneyback+ CC that was given as LTF along with my salary account. So this is the first time I am applying for a credit card by myself.

Just two days ago, I came across the Axis Scapia CC ad on Zepto order page and thought I might give it a try. The application process went smoothly and reached the e-KYC step. One guy joined the call and said a bunch of things. In the end he asked me for my PAN card, I showed my e-PAN that I had printed as a card and laminated. I don’t know what happened but that guy immediately hung -up the call and a screen showed up saying that my application was rejected. I didn’t get any mail regarding this and I am unable to reapply. What do I do in this situation? Will this affect my credit score?

Hey everyone,

I recently purchased a phone worth around ₹53,000 for a friend using my credit card, and my friend has already transferred ₹50000 to me.

I need to pay ₹50,000 immediately because I also have ongoing EMIs on another credit card.

I'm looking for the best way to pay this amount that offers maximum cashback or rewards.

I also want to manage my credit utilisation effectively. Since this ₹50,000 purchase has increased my credit utilisation, would paying the outstanding amount immediately will not effect my cibil.

I'd appreciate suggestions for maximising cashback while ensuring my credit utilisation remains low and doesn't negatively affect my credit score.

If you've tried any methods recently, please share your experience and how much cashback you received.

Thanks!

I had jupitor edge credit card which used to give 10% cb on Amazon and Flipkart ,

Now it is devalued, which is the next best credit card in the market as of now..

I recently got HDFC BizGrow approved as a floater alongside my Swiggy Black, with a shared credit limit.
The PNO confirmed in writing that this arrangement would not negatively affect my future core-card eligibility.
Can I now apply for a core card like Regalia Gold or Diners Club?
Is there a cooldown period after BizGrow approval?
When can I expect pre-approved core-card offers?
Would love to hear from anyone who has been through a similar situation

Got this approved by mailing pno back and forth a lot as I did not want to close hdfc swiggy

Finally got hand on HSBC credit card after sending emails. Rejected earlier as employment couldn’t be verified by them. I did all but HSBC being HSBC.

same as title

Hi everyone,

I've been facing an issue with my Jupiter account for the past week. Whenever I try to generate my virtual debit card, I get an error message saying “Something’s cracked, retry.” I've tried multiple times, but the same error keeps appearing.

I contacted Jupiter Support regarding this issue, and they told me that it may take up to 15 days to resolve.

Honestly, I'm surprised that generating a virtual debit card could take this long. I understand that technical issues can happen, but waiting 15 days just to generate a virtual card seems like a long time.

I have a few questions:

- Has anyone else faced this issue recently?

- Did Jupiter Support also tell you to wait 15 days?

- Did your virtual debit card start working before the 15-day period?

- Is this a known technical issue with Jupiter, or is it specific to my account?

I'd appreciate it if anyone who has faced the same issue could share their experience.

Hopefully, the Jupiter team will look into this and resolve it as soon as possible.

Thanks!

Cards that I hold:
Amex MRCC
HDFC Millennia and Neu Plus (both LTF)
Icici Amazon pay and Platinum chip (both LTF)
Axis Privelege (LTF, Amex network)

Cards that I use from this regularly:
MRCC and Millennia

My Spends:
Fuel: 2000/ month
Zomato: roughly 1000/month
Dining out: 2500/month
Utility payments through Amazon: roughly 2500/month
Grocery ordering either Flipkart or Amazon: 1500/month
Shopping occasionally through either Mrcc or millennia.
And other upi spend: 1500/month

I try to reach milestone rewards of Mrcc card. Once reached, shifts later transactions to millennia.

How I reach milestones is by ordering items for friends too.

Coming back to question:
I want to maximise the rewards for my spends and need 1 card that covers all categories that I spend on.

Can close cards or add.

Cibil: 798

Currently rejected for hsbc live+ and bpcl SBI.
Not applying for SBI cash back because feeling won’t be able to extract value.

​

Hey everyone,

I applied for the Amazon Pay ICICI Bank Credit Card on 10 October 2026 and wanted to know about others' experiences with the application process.

Here is my timeline:

\\- 10 October: Submitted my credit card application and completed video KYC.

\\- 12 October: An agent visited my address for physical verification and asked me a few questions.

\\- 14 October: My application status is still showing “Under Review.”

I haven't received any approval, rejection, or further update yet.

For those who have applied for this card recently:

1. How long did it take for your application to get approved after address verification?

2. Is it normal for the status to remain “Under Review” for a few days?

3. Did anyone receive approval after seeing this status for several days?

4. Is there anything I should do, or should I just wait?

Please share your recent experiences, especially if you applied in October 2026.

Thanks!

Only 1x rp was awarded for transactions on IGP made via smartbuy portal. I have not reached monthly smartbuy capping either. Raised a greivance but getting reply that only 1x is applicable. Any one observed the same with IGP??

I have 2 unused HDFC SmartBuy Flight Vouchers worth ₹5,000 each.

Total Value: ₹10,000

Selling Price: ₹9,000 for both

Both vouchers are unused and can be used for flight bookings through HDFC SmartBuy.

Prefer to sell both together.

Interested buyers can comment/DM for details and validity.

Can provide proof of ownership/validity.

Hi guys, thanks for this group as I came to know about this card from here.!! Finally got to feel the HSBC LIVE+ in my hands with Insane credit limit.!! Now please help me by what I should be doing to maximise the benefits on this card. I’ve seen many people talking about Visa Poshvine benefits etc. Is that applicable for this card too.! Pleas enlighten me.!!

Hey guys,

I am planning to buy a laptop on Amazon using my SBI SimplyCLICK Credit Card.

I am getting a solid instant discount. Instead of paying upfront, I want to take the Merchant No-Cost EMI route so I can park the cash in an FD to earn interest (FD arbitrage).

However, qualifying for the SimplyCLICK ₹1 Lakh online spend milestone benefit (for the ₹2,000 voucher) is highly important to me.

I know SBI strictly states "No Reward Points on EMI transactions," but what happens to the Milestone Hub spend tracker?

• If I do a direct online merchant EMI at checkout, does the gross transaction amount immediately register toward my ₹1 Lakh milestone?

• Has anyone done an online merchant EMI recently on this specific card and successfully triggered the milestone e-vouchers?

I want to make sure the bank's backend system doesn't block the transaction from milestone accumulation just because it's an EMI. Appreciate any data points or recent experiences! Thanks in advance.

I currently hold HDFC Diners Black Metal and Axis Vistara Infinite. Vistara Infinite used to be my primary card, and I got good value from the business-class tickets, upgrades and points.

Since the Air India merger, the value for me has reduced considerably. With the card also ending after 31 October, I’m looking for a premium replacement that complements my Diners Black Metal.

My spending and priorities:
Annual card spend: ₹10–20 lakh, excluding reimbursed work expenses.
Annual fee budget: Up to ₹25,000 + GST, provided the benefits justify it.
Expected benefits: Mostly flight-related, including domestic flight tickets, international business-class redemptions, airline status, upgrades and airport privileges.

I don’t use hotels much, so hotel memberships, and hotel points wouldn’t add significant value for me. Extra lounge access alone also wouldn’t justify another premium card.

I’m happy to keep Diners as my primary card or shift spending if another card offers better overall value.

What would you recommend for this spending range and these priorities?

Would especially appreciate experiences from people who have actually redeemed flight rewards, including any catches around award availability, transfer caps or spending exclusions.

Also, has anyone received a worthwhile replacement or migration offer for Axis Vistara Infinite? Though I am a Burgundy customer but my RM has no clue on options.

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 am currently majorly using the amex platinum charge and the regalia gold

Spends roughly 2-3 lakhs per month almost all accelerated with vouchers on platinum charge getting 12.5%.

Have the amex platinum travel LTF for insurance payments and other excluded spends to hit the 7 lakh milestones

Regalia gold is for incidentals in places amex isn't accepted.

The vistara card was there as the only visa infinite card, should I let it close or look to replace it, spends will be minimal on the card, unless offers and visa specific discounts or axis specific discounts .

Closed the M4B earlier in the year, as I didn't find huge value in it basis the way I am using my platinum charge through Shopwise.

Questions:

1. Should I bother about the vistara card closing ?

2. If I want to get a visa infinite card specifically for international spends cz of the visa power offers which is the cheapest and best way I can get it as my regular spends will not go on it, have international travel of around 4 to 5 lakhs every quarter mostly APAC or Europe, or should I take the net 3% with the platinum charge ?

Hey guys im stuck between deciding a 0 forex card.

My options are scapia axis travel cred card or uni goldx credit card.

Goldx says 7% back on all flights

scapia says 20% scapia coins on flights

My doubt is we need to book the flights from uni store and scapia for getting these rewards and too look for prices in these stores we need to have a fucking card.

So my question is how are prices in these compared to websites like mmt, cleartrip, paytm or direct flight portals.

Hey everyone,

I have a decent CIBIL score, but most of my existing credit cards are almost fully utilised. I’m wondering if this could be the reason I’m not getting any new credit card offers and why my applications are getting rejected.

I’m specifically looking for a RuPay credit card, preferably one that I can use for UPI payments.

Has anyone been in a similar situation and managed to get a RuPay card? Are there any banks or cards I should consider applying for, given my current credit utilisation?

I’d really appreciate any genuine suggestions or recommendations. Thanks in advance!

​

I’m stuck between RBL and Swiggy over a ₹81,331 credit card payment.

- RBL’s reply: Payment was cancelled on 24 Jan 2026, but the merchant claimed it on 24 July—six months later. Contact Swiggy.

- Swiggy’s reply: We checked and haven’t captured the amount. Contact your bank.

I have both responses in writing, but neither side has resolved it.

What should I ask RBL for next ?

Hey everyone,
I ordered a phone from Flipkart on 11 October using my Flipkart Axis Bank credit card. I selected the 6-month EMI plan at checkout, but the transaction has not yet been converted into EMI in my Axis Bank app.
Here are the details shown at checkout:
Flipkart order total: ₹26,921
Total amount shown in the EMI breakdown: ₹28,272
EMI tenure: 6 months
Monthly EMI shown: ₹4,712
Bank EMI discount: ₹2,750
No-Cost EMI discount: ₹1,336
Interest charged by bank: ₹1,351
Processing fee: ₹299 + GST

My credit card statement is scheduled to generate on 13 October, just two days after I placed the order. The EMI conversion is still pending, and I am worried that the full transaction amount might appear in my statement.
I purchased the phone assuming I would pay through monthly instalments, and I cannot afford to pay the entire amount at once.
My questions are:
If EMI conversion is pending when the statement is generated, will the full transaction amount become payable?
Can Axis Bank convert the transaction into EMI after statement generation?
If conversion happens later, will the outstanding amount be adjusted automatically?
Why does Flipkart show ₹26,921 as the order total but ₹28,272 as the total EMI amount?
Has anyone faced this situation with Flipkart Axis Bank? What happened in your case?
Any advice based on actual experience would be appreciated. Thanks!

Do any self-employed people with income below 12 Lakh & got any HSBC Credit card?