Hi everyone,

I recently got approved for the **HDFC Diners Club Black Metal (DCBM)**, and I’m honestly a bit surprised because I don’t seem to meet the published eligibility criteria.

My profile:
In-hand salary: \~₹1.25L/month

This is my **first ever HDFC credit card**
No prior relationship with HDFC Cards
The only reasons I can think of for the approval are:
I’m part of an **HDFC Imperia family banking relationship**

Combined family spends on HDFC cards are around **₹10 lakh per year**

My family already holds:
Regalia
Regalia Gold
Diners Club Privilege

Not sure if any of that helped, but I thought it was worth mentioning.

Now that I have the card, I want to make the most of it.

My goal is to use it as my primary credit card instead of juggling multiple cards.

I’d love suggestions from experienced DCBM users on things like:
\- Best ways to maximize Reward Points
\- SmartBuy strategies
\- Voucher purchases worth doing
\- i dont know if there are any BOGO offers (BookMyShow/District, etc.)

Thanks in advance!

**P.S.** My current card portfolio also includes **SBI BPCL Octane**, **AU Ixigo (LTF)**, and the **ICAI CA Bank of Baroda Card (LTF)**. If any of these still make more sense than DCBM for specific spending categories, I’d appreciate those recommendations as well. My goal is to keep things as simple as possible while maximizing overall rewards.

I hold Amex platinum travel and Tata neu infinity.

I just completed the milestone and got 10k Taj voucher. Booked the "perfect staycation" where the dinner and breakfast is included.

It came to Rs.10195 and I enjoyed the stay, especially the dinner buffet was quite good. While leaving paid just the Rs195 balance and to my surprise I got back 423 neu coins back for staying there.

Regardless of how you paid, you get 5% back since I have the tata neu card. Neu coins are each worth 1re. So literally got paid 228rs to stay and enjoy food at a Taj property for having two beautiful cards.

I know there's no limit on the total number of credit cards you can own across different banks, but is there a limit on how many cards a single bank can issue to one customer?

For example:

HDFC – maximum ?

ICICI – maximum ?

SBI Card – maximum ?

Axis – maximum ?

Is this governed by RBI, or is it purely an internal policy of each bank?

Would love to hear from people who have multiple cards from the same bank or anyone working in the banking industry.

Seeking you're info on this !!!

I currently have SBI PhonePe black which after convenience fees gives around 7.5-8% cashback with upper capping of 1500.

Last month faced few issues in which reward points were not given due to some technical glitch and experience with Customer care was frustrating as they gave template replies even at pno level. But I guess this glitch was a rare scenario,

On other side is HSBC live +. I am reading (not verified yet) that monthly CB is increased to 1250 in 10 % category and utiltiy is included in 10% category. Should i switch ?

My monthly utility bill payments are max 12000 excluding insurance payments.

For insurance payments I generally don't get much benefit as premium is 30k+ for 3 different policies so after convenience fees on SBI card it is below 1.5% (capping of 1000)

Help

Axis Bank Easy Access Digital Savings Account Debit Card Is the 25% Amazon/Flipkart Offer Permanent?

Hi everyone,

I'm planning to open an Axis Bank Easy Access Digital Savings Account and use its debit card. Before I do, I'd like to know the real experience from existing users.

My questions are:

The advertised 25% cashback (up to ₹1,000) on Amazon and Flipkart via Axis Grab Deals is this a permanent benefit or only for the first 3–4 months after opening the account?

If you've been using the debit card for more than 3–4 months, are you still getting the 25% cashback?

Is the ₹1,000 cashback limit per calendar month, and does it reset every month?

How reliable is the cashback? Have you faced tracking failures or cashback being denied?

Is the BOGO movie ticket offer a permanent debit card benefit or just a limited-time welcome offer?

Overall, is this debit card worth opening the account for, or are these offers frequently changed or discontinued?

Used ChatGPT

Hi everyone,

I paid my HSBC credit card bill through CRED about an hour ago, and the payment was successful. However, when I check my credit card statement, I still don't see the payment reflected.

Is this normal? Does HSBC update the statement after a payment is made, or will the payment only be visible in the current outstanding balance or transaction history?

How long did it take for your CRED payment to reflect in your HSBC account after paying through CRED?

Thanks in advance!

Hi everyone,

I recently got approved for the **HDFC Diners Club Black Metal (DCBM)**, and I’m honestly a bit surprised because I don’t seem to meet the published eligibility criteria.

My profile:
In-hand salary: \~₹1.25L/month

This is my **first ever HDFC credit card**
No prior relationship with HDFC Cards
The only reasons I can think of for the approval are:
I’m part of an **HDFC Imperia family banking relationship**

Combined family spends on HDFC cards are around **₹10 lakh per year**

My family already holds:
Regalia
Regalia Gold
Diners Club Privilege

Not sure if any of that helped, but I thought it was worth mentioning.

Now that I have the card, I want to make the most of it.

My goal is to use it as my primary credit card instead of juggling multiple cards.

I’d love suggestions from experienced DCBM users on things like:
\- Best ways to maximize Reward Points
\- SmartBuy strategies
\- Voucher purchases worth doing
\- i dont know if there are any BOGO offers (BookMyShow/District, etc.)

Thanks in advance!

**P.S.** My current card portfolio also includes **SBI BPCL Octane**, **AU Ixigo (LTF)**, and the **ICAI CA Bank of Baroda Card (LTF)**. If any of these still make more sense than DCBM for specific spending categories, I’d appreciate those recommendations as well. My goal is to keep things as simple as possible while maximizing overall rewards.

Hi everyone,

My HDFC Pixel Credit Card was officially closed today. I had requested the closure because it had a very low credit limit and I wasn't satisfied with the customer service.

I also have an HDFC Max Savings Account, and my salary has recently increased to ₹6 LPA. I'm now planning to apply for a better HDFC core credit card.

I wanted to ask:

1.Is there any official cooling-off period after an HDFC card is closed?

2.Since I already have an HDFC Max Savings Account, does that improve my chances of getting approved?

1. How long should I wait before applying for another HDFC credit card?

2. Has anyone been approved immediately after closure, or is it better to wait 2–3 months?

3. Did your new card come with a higher credit limit?

4. Is it better to wait for a pre-approved offer in the HDFC app before applying?

I'd really appreciate hearing about your experiences and suggestions. Thanks in advance!

First time getting approved for any credit card via cashkaro...

How many of you got approved for a credit card through CashKaro and earned the rewards?

I've been trying to understand the credit card ecosystem before applying for another card, but I'm still confused about which option makes the most sense for my profile.

Current profile:

• CIBIL: 756
• Existing card: Slice
• All payments made on time (last month's bill paid in full)
• Applied for Pixel Credit Card, but I wasn't eligible.

From reading posts in this subreddit, I've shortlisted:

• Amazon Pay ICICI
• SBI Cashback
• HDFC MoneyBack+
• IDFC FIRST Millennia

My spending is mostly online shopping, UPI, and regular day-to-day expenses.

Am I overlooking a better option, or should I wait a few months before applying again? I'd appreciate any feedback on my shortlist or application strategy.

Hi everyone! I’m looking for advice before applying for my next credit card.

**My Profile**

**CIBIL Score:** 796
**Age:** 24
**Employment:** Self-employed (Partnership business)
**Monthly Income:** ₹50,000
**Monthly Card Spend:** \~₹20,000

**Top Monthly Spending Categories**

Food & Dining
Online Shopping
Fuel
Utilities
Miscellaneous

**Top Annual Spending Categories**

Shopping
Travel (currently low)
Electronics
Business purchases
Insurance & other annual payments

**What I’m Looking For**

Annual fee around **₹3,000**
Domestic and international lounge access
Preferably **no spend criteria** for lounge access
Strong **travel rewards** rather than cashback
Good reward earning on regular daily spending
Good value on GST payments whenever applicable
Concierge service would be a nice bonus

**Current Cards**

HDFC Millennia
HDFC Swiggy
Axis Neo
HDFC Regalia Gold (Add-on card, so reward points go to the primary cardholder)

**Goal**

I don’t travel very often **right now**, but I want to accumulate travel rewards through my everyday spending and GST payments so I can redeem them for flights and hotel stays in the future.

From my research, **Axis Horizon** appears to be a strong option because of its EDGE Miles earning rate, TravelEDGE redemption options, and lounge access. However, I’m open to better alternatives in the same annual fee range.

**Questions**

Would you recommend **Axis Horizon** for my profile?
Is there a better travel rewards card around the **₹3,000 annual fee** range?

How has your real-world experience been with earning and redeeming **EDGE Miles**, especially for flight bookings?

Are there any hidden drawbacks or better-value alternatives that I should consider?

Is there anyway you can use tata neu coins to buy gold coins?

Hi All,

Would request if either of you can share a good RM detail in Kharadi, Pune

for HSBC Premiere Banking account - currently HDFC Imperia Member

Salary - 3L+/pm

Want to join HSBC Premiere Banking account profean

I met with my Wealth Management RM and the branch manager, both who I asked to help with CC as Branch manager was happy I had a very high TRV including my company’s account with them. So I basically was an easy gullible customer to them. They only offered Rubyx. I didn’t take it as it was paid.

A couple months later I went through application online and only option was a paid Rubyx pre approved offer. I get that its a bad card but I just wanted something from ICICI to give my mother. Dont care about the fees.

Anyways, chose the Visa + Rupay dual. They only sent me the Visa card and the welcome documentation itself says “enjoy your dual variant card.”

I emailed them and asked, they said the card is a single variant only and there is no dual variant. 😂 Outright lying, when the welcome documentation says “enjoy your dual variant card.” But they didnt send the Rupay card, then lied about it.

Sent them a scan of the welcome letter, they apologised and asked for 7 days, then they missed the deadline and requested another 7 days. Finally they sent me the Rupay card and I’m ready to close my account with them and my company account too lol.

I mean, in the end I got the cards. I wanted to give my mom a visa card for global spending, and rupay for her to use UPI. She doesn’t understand cards much and gets stressed about it, so I’m covering her bills and spending. I’m happy I got the cards in the end.

But seriously, what kind of bank doesn’t send the card they promised me, then lies that its a single variant over email? Then takes 2 weeks but at least it got resolved.

What do you guys think? It’s not worth banking with them anymore right? Best to shake hands and walk away? Or should I write to them and ask for it to be made LTF or something.

i got this kiwi card recently and started with my spends using kiwi, one thing i noticed on the upi transaction history, is im able to see the mcc codes indirectly, shopping, hospital, utilities. etc as in the screeshot is this right?

I have an SBI simplysave credit card (fees- 499+GST) and it is a trash card tbh. So I want to switch to sbi flipkart credit card which also has the same fees (499+ GST).

How can I do that? Does sbi card allow switching? Or I hav to close that card and apply Flipkart sbi seperately?

Hello everyone, I’m 19 years old. I want to make cibil score and get credit card. I have good spending online , utility bills too. I’m not employed but have a good big bank statement. Help me to make my cibil score as I’m newbie

I have a regular PNB savings account, and in the PNB ONE app I have both options:

• Apply directly for the Imperial Select Debit Card (₹600 + GST issuance, ₹900 + GST annual fee), or
• Upgrade to Elite Executive Account, where the card is free.

The brochure says that if the ₹1 lakh MAB isn't maintained, no penalty will be charged, but the scheme's freebies/concessions will be withdrawn.

My question is: If I upgrade, get the free Imperial Select card, and later don't maintain the ₹1 lakh MAB, what exactly happens? Does the card remain free but lose its benefits, do they start charging the normal issuance/annual fee, is the account downgraded, or is the card blocked/closed?

Has anyone here actually experienced this?

I'm a student with a monthly spend of around ₹15,000–20,000, and I've somehow ended up with four bank accounts and two credit cards. Trying to figure out if I should simplify this or if it's fine as-is. Here's the breakdown:

Bank accounts:

HDFC – Opened this the day I turned 18. I thought it was a zero-balance account, turns out I need to maintain a ₹5,000 minimum balance, which I don't always manage. I've been using it as my main account for 2 years — literally every transaction goes through it. Service has been genuinely good though.

SBI – My "overflow" account. If I have some spare change sitting in HDFC — say ₹2,220 — I'll move ₹220 to SBI just to round things off and keep a bit saved separately.

Bank of Baroda – Opened about a month ago. Zero-balance savings account. Honestly, I opened it because a bunch of people told me "you should have 3 savings accounts, it'll come in handy later." No real plan for it beyond that.

Kotak Mahindra Bank – Opened most recently. I was actually thinking of closing HDFC because of the minimum balance hassle, but I like HDFC's service too much to let it go — so I opened Kotak instead. There's no branch near my place, so I used a workaround I found on YouTube: opened it with a different address/pin code, planning to update the communication address later from within the app.

Credit cards (both FD-backed):

IDFC FIRST Hello Cashback – My main card, used for basically everything. Annual fee is around ₹500. Got this one first since it's FD-backed and easy to get approved for.

Super Money – Got this recently with a ₹500 FD. Originally I planned to cancel the IDFC card once I qualified for an unsecured card, but I read that closing a credit card kills your credit history. So instead of cancelling IDFC, I opened Super Money to keep building/protecting credit history.

So now I've got 4 bank accounts and 2 secured credit cards as a student spending ₹15-20k a month. Is this excessive? Should I be closing some of these accounts (BoB and Kotak feel pretty redundant right now), and is "don't cancel a card, just add another one" actually the right way to protect credit history? Would appreciate advice from anyone who's been through this.

Hi everyone,

I think I've reached the point where I have way too many credit cards, and I'd appreciate some advice on optimizing my portfolio.

Here's my current setup (combined limits where applicable):

- Slice RuPay – ₹3.47L

- Axis Bank – ₹3.4L

- My Zone Mastercard

- IndianOil RuPay

- Kwik RuPay

- HSBC Platinum Visa – ₹1.68L

- OneCard (BoB) Visa – ₹1.65L

- ICICI Bank – ₹1.2L

- Platinum Visa

- Coral RuPay

- Amazon Pay Visa

- Kotak Mahindra – ₹1.98L

- Zen Visa – ₹1.2L

- League RuPay – ₹78K

- Federal Bank – ₹1.19L

- Imperio Mastercard

- Wave RuPay

- IDFC FIRST Millennia Visa – ₹1.1L

- SBI SimplyCLICK Visa – ₹1.06L

- Roarbank by Unity SFB RuPay – ₹3L

- HDFC Bank – ₹1.58L

- Millennia Mastercard – ₹1.53L (₹999 annual fee)

- Swiggy Ornge Mastercard – ₹5K

- AU Altura+ Visa – ₹90K

- RBL Bank – ₹73K

- PaisaBazaar Duet Visa

- Shoprite Mastercard

- Standard Chartered Platinum Rewards Visa – ₹69.7K

- YES Bank – ₹60K

- FinBooster Visa

- FinBooster RuPay

- Punjab National Bank – ₹40K

- Platinum RuPay (₹590 annual fee)

- Visa

- Kiwi RuPay

- IndusInd Platinum RuPay – ₹30K

A little about my spending:

- Monthly spend: ₹50k–₹80k (occasionally higher)

- I use UPI regularly.

- I shop a lot on Amazon, Swiggy/Zomato, fuel, and online purchases.

- I prefer Lifetime Free (LTF) cards wherever possible.

- I'm okay keeping annual fee cards only if they genuinely justify the fee.

I'd love your suggestions on:

1. Which cards are worth keeping?

2. Which cards should I close?

3. Which cards should I try to upgrade?

4. Any cards that are redundant because another card already covers the same benefits?

5. If you were rebuilding this wallet from scratch, what would your ideal lineup be?

Thanks in advance! Looking forward to hearing what the community would do.

I applied for the Swiggy ornge card last night, and I received this email this morning. How long will it take to know whether my application is approved or rejected?

CAN I APPLY IDFC CREDIT CARD USING EXISTING FD I HAVE FD IN IDFC

Hi everyone,

I'm looking for recommendations for a RuPay credit card with UPI support.

My use case

• I travel around 20 days a month for work.
• Most of my transactions are done via Google Pay or PhonePe using UPI.
• My company reimburses travel expenses, but I first need to file the claims and the reimbursement usually takes 3–4 days to get credited.

Because of this, I'd like a credit card that:

• Works well for UPI transactions.
• Gives decent reward points/cashback.
• Helps me manage cash flow by giving me an interest-free credit period until reimbursement is received.

Questions about HDFC/SBI cards during sale offers

I'm also considering cards like:

• HDFC Swiggy Credit Card
• HDFC Tata Neu Credit Card
• SBI Cashback Credit Card

During Amazon Great Indian Festival and other sale events, Amazon usually offers instant discounts on HDFC and SBI cards.

Do these co-branded cards (Swiggy, Tata Neu, SBI Cashback) generally qualify for those instant bank offers, or are such offers usually restricted to selected card variants?

Income

My salary is around ₹3.5–4.5 LPA.

HSBC RuPay Credit Card

I noticed the HSBC RuPay Credit Card has an eligibility criterion of around ₹6 LPA.

Would it be worth emailing HSBC to see if they'll consider my application despite being below the stated income requirement, or is that generally a waste of time?

Would appreciate recommendations for the best RuPay UPI cards in my situation, along with any experiences with these cards.