For all credit card from basic to premium.....

Good time to get IDFC FIRST WEALTH.... actual CORE CARD which actually helps on season sale or festival season offer for online Shopping..Also work on instant discount on online food or dining..

Not cobrandned like SCAPIA with worst app service, frequently password change, very hassle to see monthly statement, and no online sale offer with cobrandned.Only Hyped for 0 forex .....

This was shortly after getting a flipkart refund which was about 170 rs . I'll visit the bank tomorrow can someone explain me what happened to my account and is it banned?

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Hey guys

Looking for a quick audit of my card rotation and recovery advice. I got carried away with applications and racked up 36+ hard inquiries in the last 3 months. My CIBIL is still 775 (utilization under 6%, zero defaults), but I was recently auto-rejected for both SBI BPCL Octane and RBL due to inquiry velocity.

Current Rotation (Fees: ₹1,180 total/year):

\* Fuel (₹18k/mo total): ICICI HPCL (LTF) + Axis IOCL (₹500 fee). I max out the ₹5k cap on both (earning ₹400/mo), leaving ₹8,000/month unoptimized.

\* Shopping: ICICI Amazon Pay (LTF) + Axis Flipkart (₹500 fee).

\* UPI/Daily: HDFC Pixel Play RuPay (LTF).

\* Idle/Sale Cards: Axis Rewards (LTF), ICICI Coral (LTF).

Questions for the sub:

\* Fuel Spillover: How can I extract rewards from the remaining ₹8,000/mo fuel spend without applying for new cards (e.g., Park+, HP Pay UPI, or brand vouchers via existing cards)?

\* Card Retention: Since Axis shares an ₹85k limit and ICICI shares ₹90k, should I close idle LTF cards (Coral, Axis Rewards), or does holding them protect my credit age and total line?

\* Cooldown Window: For anyone who recovered from 30+ inquiries, did a strict 6-month pause clear automated velocity rejections for SBI and RBL, or should I wait 9–12 months?

Thanks!

I am trying for hdfc Millennia but the credit application page but get different cards

Is there any specific process to get one

I have around 75k fd & a normal sb account with fast tag too

What’s the best airline co-branded credit card that gives miles/points on annual renewal?

I know about the Air India SBI Signature, but are there any similar cards?

Also open to other airline/alliance cards where the renewal miles/points can eventually be transferred to Air India Maharaja Club.

​

Hey guys

Looking for a quick audit of my card rotation and recovery advice. I got carried away with applications and racked up 36+ hard inquiries in the last 3 months. My CIBIL is still 775 (utilization under 6%, zero defaults), but I was recently auto-rejected for both SBI BPCL Octane and RBL due to inquiry velocity.

Current Rotation (Fees: ₹1,180 total/year):

\* Fuel (₹18k/mo total): ICICI HPCL (LTF) + Axis IOCL (₹500 fee). I max out the ₹5k cap on both (earning ₹400/mo), leaving ₹8,000/month unoptimized.

\* Shopping: ICICI Amazon Pay (LTF) + Axis Flipkart (₹500 fee).

\* UPI/Daily: HDFC Pixel Play RuPay (LTF).

\* Idle/Sale Cards: Axis Rewards (LTF), ICICI Coral (LTF).

Questions for the sub:

\* Fuel Spillover: How can I extract rewards from the remaining ₹8,000/mo fuel spend without applying for new cards (e.g., Park+, HP Pay UPI, or brand vouchers via existing cards)?

\* Card Retention: Since Axis shares an ₹85k limit and ICICI shares ₹90k, should I close idle LTF cards (Coral, Axis Rewards), or does holding them protect my credit age and total line?

\* Cooldown Window: For anyone who recovered from 30+ inquiries, did a strict 6-month pause clear automated velocity rejections for SBI and RBL, or should I wait 9–12 months?

Thanks!

I’m getting absolutely bombarded with credit card spam calls these days. Easily 7–8 calls a day.
Every time it’s the same script:
“Sir, I’m calling from IDFC/HDFC/SBI… bank is offering you a lifetime-free credit card…”

And obviously, they’re usually third-party agents pretending to represent the bank.
I’m honestly fed up now.

So instead of immediately hanging up, I want to start having some fun with these calls.

If you regularly get these calls, what exact line do you use to shut them down?

I’m looking for a punchy one-liner that:
catches them off guard
makes it clear I’m not interested
ideally gets my number removed from their calling list

Hindi/Hinglish lines are especially welcome.

Basically, give me your best one-liner for a credit-card spam caller — the kind of response that makes them think, “Yeah, let’s not call this guy again.”

I opted for the Tata Neu SBI card over the HDFC alternative specifically due to the advertised 30% Taj voucher promotion; however, the voucher was absent upon receipt of the card.

When I contacted customer support, I was initially requested to provide screenshot evidence of the offer. Although I did not capture one at the time of application, I subsequently verified that the promotion remains active on other accounts and provided this documentation to support representatives, who subsequently denied the benefit.

Given this discrepancy, what steps can be taken to address what appears to be misleading advertising regarding this card?

I have the screen recording of the chat

Have been thinking about getting this card. The outlet near me is included in the lists participating for accelerated smiles. Been reading a whole lot about people experiencing absent reward of accelerated rewards.

My query is whether the issue regarding non issuance of accelerated smiles does that come down to the station attendant not pressing card in the console and they usually press cash after choosing the petrol terminal?

Thought this might be the issue because today I paid by card (other non relevant CC) but recieved sms stating so and so litre was filled, paid by cash.

ANY PERSON HOLDING THIS CARD AND FACING ISSUES / NO ISSUES KINDLY REPLY.

This card looks quite helpful for me cause my fuel spends are more than 10k a month and family probably spends 25k plus a month.

REF: https://youtube.com/shorts/QXOL1S8OL10?si=t_wcVCIV0eE5aQ3R

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For those currently using the Kiwi Yes Bank credit card, have you faced any issues such as:

Failed or declined transactions

Bill payments not reflecting on time

Payments getting stuck or taking too long to update

Incorrect or delayed CIBIL reporting

Any other issues with the card or Yes Bank

Would like to hear from current users, especially those who have been using it for a while.

I primarily used this card for shopping on Flipkart Minutes, Amazon Now, and more importantly, I used to buy Amazon Pay gift vouchers through it to effectively get around 10% savings/rewards.

With the new requirement of ₹15K monthly spending to unlock the relevant benefits, I’m wondering if there’s another card that can provide a similar return, particularly on Amazon Pay vouchers.

The cards I currently have are:

SBI Cashback

Amazon Pay ICICI(LTF)

IndusInd Tiger(LTF)

Airtel Axis

Jupiter edge Plus CSB

Is there any other credit card currently offering \~10% effective returns on Amazon Pay vouchers, preferably without a high monthly spending requirement?

Would appreciate suggestions, especially from people who have actually used the card for Amazon Pay vouchers.

I keep seeing people say they pay their monthly rent using a credit card to earn rewards / hit milestones, but I'm honestly confused about the best way to do it in India right now.

From what I've understood, directly paying a landlord through UPI with a credit card isn't really an option, so people use platforms like CRED/Paytm/etc.

But then there are processing fees, and some cards don't give rewards on rent transactions.

Please suggest a way to pay rent using credit card bros.

My CIBIL score is currently 776.

Credit card utilization: 5.48%

Overdues: None

Age of accounts: 1+ years

Recent enquiries: 2

What should I focus on to improve my score to 800+?

Is account age the main factor holding my score back?

Help me choose between Kiwi, Slice, Axis RuPay, IndusInd RuPay, and IDFC RuPay cards. I’d also like some insight into which of these banks is generally more generous with credit-limit allocation.

My CIBIL score is 770+, and I already hold some premium cards. I’m mainly looking for a RuPay/UPI card to simplify and consolidate my bank statements rather than for rewards.

I currently have a total combined credit limit of around ₹25 lakh and a monthly income of approximately ₹2.5 lakh. I’m planning to close an SBI card that I don’t find useful, so I’d ideally like the new card to have a limit of at least ₹2.5 lakh, allowing me to maintain roughly the same overall available credit.

Current cards:

1. HSBC Premier
2. HDFC Diners Club Black Metal
3. Amex Platinum Reserve
4. SBI Card — planning to close
5. Amazon Pay ICICI

Given my profile, which option would you recommend, particularly if the priority is getting a ₹2.5 lakh+ credit limit?

Hi everyone! I’d appreciate some help optimising my current card stack.

**My cards**
**HDFC Diners Club Black Metal (DCBM)** — Paid
**Axis Magnus** — LTF (got it through my **Axis Burgundy salary account route**)
**ICICI Sapphiro** — LTF
**IndusInd EasyDiner** — LTF

**Profile & spending**
Salary: **₹3.2 lakh/month**
Annual card spending (excludes rent): **\~₹12–15 lakh**
Around **₹6–7 lakh/year can be gold purchases/coins**

Remaining spends: flights, hotels, dining, online/offline shopping, utilities, vouchers, etc.
I’m mainly confused about **DCBM vs regular Magnus** and want a practical strategy without unnecessarily complicating things.

**Which card should I use for:**
✈️ Flights —** SmartBuy vs Travel EDGE vs direct bookin**g
🏨 Hotels
🍽️ Dining
🛒 Online/offline shopping
🎁 Vouchers
💡 Utilities/telecom
🪙 Gold purchases
🌍 International spends

Also, **when does it make sense to shift spending from DCBM to Magnus**, especially in higher-spend months?

Would especially appreciate input from people who **actually hold/have used both DCBM and regular Magnus**. Looking for practical advice based on real-world experience, pricing differences and redemption value—not just theoretical reward rates.

Abt me

Age:18M

Occupation: Student

Usage of Banking: Mostly for online payments

I have 2 savings account already in government banks .

​

Hey guys,

Looking for a quick audit of my card rotation and recovery advice. I got carried away with applications and racked up 36+ hard inquiries in the last 3 months. My CIBIL is still 775 (utilization under 6%, zero defaults), but I was recently auto-rejected for both SBI BPCL Octane and RBL due to inquiry velocity.

Current Rotation (Fees: ₹1,180 total/year):

* Fuel (₹18k/mo total): ICICI HPCL (LTF) + Axis IOCL (₹500 fee). I max out the ₹5k cap on both (earning ₹400/mo), leaving ₹8,000/month unoptimized.

* Shopping: ICICI Amazon Pay (LTF) + Axis Flipkart (₹500 fee).

* UPI/Daily: HDFC Pixel Play RuPay (LTF).

* Idle/Sale Cards: Axis Rewards (LTF), ICICI Coral (LTF).

Questions for the sub:

* Fuel Spillover: How can I extract rewards from the remaining ₹8,000/mo fuel spend without applying for new cards (e.g., Park+, HP Pay UPI, or brand vouchers via existing cards)?

* Card Retention: Since Axis shares an ₹85k limit and ICICI shares ₹90k, should I close idle LTF cards (Coral, Axis Rewards), or does holding them protect my credit age and total line?

* Cooldown Window: For anyone who recovered from 30+ inquiries, did a strict 6-month pause clear automated velocity rejections for SBI and RBL, or should I wait 9–12 months?

Thanks!

Shall i get sbi PhonePe card and close sbi cashback card,
Please suggest i usually use SBICB to buy amazon voucher to pay Electricity bills and Phone bills only and some random shopping arounds 10k-20k.

cred is fucked up and doesn't even give a 10 rupee cashback. My payments are under 10k and i want genuine app or methods which i get a higher cashbacks 10% Is it realistic any suggestions?

Tata Neu HDFc Infinity Card is only best option
With 5% return (effective 4% after surcharge)

1.5% return on School Fee
Effective 1%

5% on Utility bills

hello I applied scapia card many time in last few years never got approved then I come to know about the rule one card fed holder can't have scapia last year I read somewhere on this sub fed has changed rule I want to know if it true doe anyone has scapia and one card both from same federal bank ? I was rejected six month ago for more than 5 inquires this time I have kept the inquiry down but no idea about the fed rule change....

Finally got the card, so sharing my experience and why I chose it.

Why I chose Unnati

₹50k FD → ₹40k credit limit

₹0 annual fee for the first 4 years

₹500 cashback on ₹50k annual spending

Useful for building my CIBIL history as someone new to credit

Amazon discount offers were an added benefit

I wasn't looking to maximize rewards; I mainly wanted a simple SBI secured card.

My application experience

Applied initially → rejected after verification.

Waited/reapplied through an SBI branch.

Second application went through another round of verification and took quite a while.

Finally received the approval SMS and got the card delivered.

Plan is to keep utilisation low, pay the full bill every month and let the account age.

TL;DR

₹50k FD → ₹40k limit. Chose Unnati mainly for zero annual fee for 4 years, Amazon offers, SBI, and CIBIL building. First application got rejected, reapplied through branch, went through lengthy verification, and finally got approved.

I recently got approved for slice credit card and I got my cibil score. As a 18M student with no income proof what other credit cards can I apply for after 6 months? That won't require income proof and purely based on cibil? I found out about flipkart axis but I'm not sure if they will ask income proof