u/InitialEmergency7119

I recently applied for the HSBC Live+ credit card and was pleasantly surprised to receive a limit of 5,41,000, which is my second highest limit.

Having this card has significantly boosted my cashback earning efficiency. I can now spend on Zomato Blinkit, Flipkart minutes, Amazon groceries and get 10% cashback.

Previously, I was limited to Swiggy for 10% cashback and Amazon for 5%. Now, I can use this card almost everywhere for my day-to-day expenses.

I’ve already received some cashback rewards, including a ₹750 Amazon Pay voucher through Visa Poshvine, a ₹100 Amazon Pay voucher through Times Prime and a ₹1000 cashback reward for completing a ₹20,000 transaction within 30 days.

this is absolute beast

T&C
11 complimentary international airport lounge visit per year w.e.f 1 September 2026.

2Any spends on Amazon, Flipkart & Myntra merchants continue to earn 1.5% cashback, but will be excluded from the 10% cashback category. Cashback earned on transactions w.e.f 26 July 2026 will be reflected in the August 2026 Credit Card statement.

3These benefits are subject to the terms and conditions as defined by Visa and will be honored accordingly: Visa Infinite | Visa

4Applicable on contactless fuel spends over ₹10,000 per quarter.

I recently applied for the HSBC Live+ credit card and was pleasantly surprised to receive a limit of 5,41,000, which is my second highest limit.

Having this card has significantly boosted my cashback earning efficiency. I can now spend on Zomato Blinkit, Flipkart minutes, Amazon groceries and get 10% cashback.

Previously, I was limited to Swiggy for 10% cashback and Amazon for 5%. Now, I can use this card almost everywhere for my day-to-day expenses.

I’ve already received some cashback rewards, including a ₹750 Amazon Pay voucher through Visa Poshvine, a ₹100 Amazon Pay voucher through Times Prime and a ₹1000 cashback reward for completing a ₹20,000 transaction within 30 days.

this is absolute beast

T&C:

1. 1 complimentary international airport lounge visit per year w.e.f 1 September 2026.

2. Any spends on Amazon, Flipkart & Myntra merchants continue to earn 1.5% cashback, but will be excluded from the 10% cashback category. Cashback earned on transactions w.e.f 26 July 2026 will be reflected in the August 2026 Credit Card statement.

3. These benefits are subject to the terms and conditions as defined by Visa and will be honored accordingly: Visa Infinite | Visa

4. Applicable on contactless fuel spends over ₹10,000 per quarter.

PS I have a total of 16 credit cards, 3 of which are paid. One of them is HSBC Live+. If you’d like to see my credit card stack, you can visit my profile; I have a post about it.

This client came in and I calculated his tax liability, which turned out to be zero. However, his employer has not deducted any TDS. He is expecting me to give him a refund. My question is, if no tax has been deducted, how can we provide a refund? from my own pocket ?

I believe it is high time people should shift their mindset from refunds to correct compliance.

But this case is hilarious...expecting a refund without any tax deduction. To top it off, he mentioned that most of his colleagues received refunds, yet you are not giving me one.🤣🤣

I got this attached screenshot from the internet but I want to confirm from everyone if anyone has a lifetime free Regalia gold HDFC credit card.

Currently, I have a lifetime free Regalia first credit card and an upgrade to Regalia gold with a first-year free option and then 2500 per year which is not making sense.

Is anyone of you able to send a screenshot hiding your details of this lifetime free Regalia gold upgrade email from HDFC?

If you have Visa Signature variant Credit card

You may Receive a FREE ₹100 Amazon Pay Gift Voucher

I have taken my Amazon Pay Voucher (Refer Step wise screenshots)

How to Avail:
Open the link or search Times App for Visa card on google: https://tp.sng.link/Ed2xs/qfiy/t5wr?_p=TF4B57CB (first time registration will work on web only)

The coupon may be auto-applied. If not, enter: TP26VISASIGN

Pay ₹1 using an eligible Visa Signature credit card.

Your 1-year Times Prime membership will be activated instantly.

Go to the Explore tab.

Search for Amazon.

Generate and claim your ₹100 Amazon Pay Gift Voucher.

Redeem it on Amazon Pay and enjoy the net gain.
⚠️** Limited Amazon vouchers are available and may run out, so try it so**on.
If you redeem it, please comment with:
Which Visa Signature card worked for you, and
Whether you received the ₹100 Amazon voucher.

Do confirm once you redeem along with the card
!

I applied for an HSBC Live Plus credit card and after making a transaction of ₹300 or more. I registered my card on Visa poshvine. This resulted in receiving an Amazon Pay Gift Card worth ₹750.

Please note that the Amazon Pay Gift Card amount can vary between ₹300 and ₹750 depending on your card variant. you have an option to choose between Zomato and Amazon pay

Check my new post for another Rs. 100 amazon pay voucher - https://www.reddit.com/r/CreditCardIndia/s/DE6Od3deTd

I applied for an HSBC Live Plus credit card and after making a transaction of ₹300 or more. I registered my card on Visa poshvine. This resulted in receiving an Amazon Pay Gift Card worth ₹750.

Please note that the Amazon Pay Gift Card amount can vary between ₹300 and ₹750 depending on your card variant. you have an option to choose between Zomato and Amazon pay

Check my new post for Rs. 100 amazon pay voucher - https://www.reddit.com/r/IndianCreditCards/s/HhJb4LWMlp

I have been offered a Lifetime free Phonepe Ultimo Card.

PS - I have an Imperia account with a large personal loan exceeding 25 lakhs and an FD. I request the bank to make this card free on this basis.

As I mentioned, I have been diligently following up with HSBC bank for the past month and finally have my hand on it.

Credit Limit - 5.41 Lacs (Second Highest)

PS - If you’d like to compare my 16 credit card stack (mostly LTF) with my expense pattern, visit my profile and you’ll find the relevant post below.

Most of you, my fellow colleagues, ping me to share the updated stack, including the credit card limit.

Here it is: Updated Credit Card Stack (with Limits & Charges)

SBI SimplyCLICK (₹2.70 Lakh) — LTF
HDFC Regalia First (Shared Limit: ₹3.05 Lakh) — LTF
HDFC Swiggy OG (Shared Limit: ₹3.05 Lakh) — LTF
HDFC Tata Neu Infinity (Shared Limit: ₹3.05 Lakh) — LTF
HDFC PhonePe Ultimo RuPay Select (Shared Limit: ₹3.05 Lakh) — LTF
ICICI Amazon Pay (Shared Limit: ₹7.20 Lakh) — LTF
ICICI Sapphiro RuPay (Shared Limit: ₹7.20 Lakh) — LTF
YES Bank Select (₹1.25 Lakh) — LTF
Bank of Baroda CA Exclusive (₹1.20 Lakh) — LTF
AU CA Metal (₹3.00 Lakh) — LTF
American Express SmartEarn (₹5.00 Lakh) — ₹495 + GST
IDFC FIRST Wealth (Shared Limit: ₹1.08 Lakh) — LTF
IDFC FIRST Power+ (Shared Limit: ₹1.08 Lakh) — ₹499 + GST
Axis Bank IndianOil (₹1.00 Lakh) — LTF
Kotak League (₹2.50 Lakh) — LTF
HSBC Live+ (₹5.41 Lakh) — ₹999 + GST

Summary
Total Cards: 16
LTF Cards: 13
Paid Cards: 3

Paid Cards & Charges
American Express SmartEarn — ₹495 + GST
IDFC FIRST Power+ — ₹499 + GST
HSBC Live+ — ₹999 + GST

Total Annual Charges
Base Fee: ₹1,993
GST @ 18%: ₹359
Total: ₹2,352 per year

Total Available Credit Limit
(Counting shared limits only once)
SBI: ₹2.70 Lakh
HDFC: ₹3.05 Lakh
ICICI: ₹7.20 Lakh
YES: ₹1.25 Lakh
Bank of Baroda: ₹1.20 Lakh
AU: ₹3.00 Lakh
American Express: ₹5.00 Lakh
IDFC FIRST: ₹1.08 Lakh
Axis: ₹1.00 Lakh
Kotak: ₹2.50 Lakh
HSBC: ₹5.41 Lakh
Total Available Credit Limit: ₹33.39 Lakh

Finally, after a month of back and forth with HSBC Bank, I was granted a credit limit of 5,41,000 from HSBC, which is my second highest credit card limit

Now waiting for my actual Card delivery which is not yet dispatched

LITERALLY, they rejected my credit card application within four minutes. After one month of continuous follow-up and sharing all the details, I finally got this bad boy.

Feeling Good 😌

Finally, after a month of back and forth with HSBC Bank, I was granted a credit limit of 5,41,000 from HSBC, which is my second highest credit card limit

Now waiting for my actual Card delivery which is not yet dispatched

LITERALLY, they rejected my credit card application within four minutes. After one month of continuous follow-up and sharing all the details, I finally got this bad boy.

Feeling Good 😌

Finally, HSBC Live+ was approved after four weeks.

I can now also get 10% cashback on Zepto, Blinkit and Zomato, which I was missing. Though I am having Swiggy OG card LTF but it works with swiggy only

Although I have 16 credit cards, this one will really boost my savings on spends.

PS - Yes, we can track HSBC application through this URL. I bet you didn't know this. 😁
HSBC Credit Card Track

My current credit card stack covers
my major expenses like groceries, insurance, local travel, online and offline shopping, lounges, food and dining etc

My main aim is to get liquid cashback and I’m not into the miles and points game.

SBI SimplyCLICK — LTF
HDFC Regalia First — LTF
HDFC Swiggy OG — LTF
HDFC Tata Neu Infinity — LTF
HDFC PhonePe Ultimo RuPay Select — 1st Year Free, then ₹999 + GST
ICICI Amazon Pay — LTF
ICICI Sapphiro RuPay — LTF
YES Bank Select — LTF
YES Bank UPI RuPay — LTF
Bank of Baroda CA Exclusive — LTF
AU CA Metal — LTF
American Express SmartEarn — ₹495 + GST
IDFC FIRST Wealth — LTF
IDFC FIRST Power+ — ₹499 + GST
Axis Bank IndianOil — LTF
Kotak League — LTF

PS - already applied HSBC Live+ as well

would love to hear your thoughts and advices 🙏

Got my Revolut India card today and I must say, the card design and app experience feel far more premium than most traditional banking apps.

Some features I’ve figured it out so far:

• UPI payments
• Physical & virtual cards
• International money transfers
• Multi-currency accounts
• Competitive forex rates
• Real-time spending notifications
• Budgeting & expense analytics
• In-app card controls (freeze/unfreeze, limits, etc.)
• Group bills and money transfers
• Airport lounge access and travel benefits on premium plans
• Travel insurance and lifestyle perks on higher-tier plans

I like the multiple virtual card generation feature the most. It allows you to use a virtual card on a new website or any other merchant where you are not comfortable sharing details like recurring subscriptions or trial versions. After use, you can discard the card permanently.

The onboarding was smooth, and the app UI is probably one of the cleanest I’ve used in the Indian fintech space.

Still early days for Revolut in India, but the combination of global banking features, forex capabilities, travel benefits, and a modern app experience makes it quite interesting.

Looking forward to testing it on my next international trip.

Anyone else received their Revolut India card yet?

How has your experience been so far and how and where are you using it ?

Could you please advise me guys, why there is so much of hype for this Revolut card. What's the actual benefit of this app ?

ICAI has launched this in collaboration with AU bank

Hello everyone, I wanted to share my recently opened AU CA Metal Credit card and AU CA Royale savings account. They are absolutely lifetime free.

The best part is that they also give 25% cashback on CA membership fees.

so work hard guys 🦾🦾

AU CA Metal Credit Card – Key Lucrative Benefits

Lifetime Free Metal Credit Card
No joining fee
No annual fee

2,000 Welcome Bonus Reward Points
On meeting the activation spend criteria

25% Benefit on ICAI Membership Renewal Fee
Exclusive benefit for Chartered Accountants

8 Reward Points per ₹100 Spent On:
Tax Payments
Professional Software Purchases
Travel
Dining

2 Complimentary Domestic Airport Lounge Visits Every Quarter - Total 8 lounge visits per year

1.99% Low Forex Markup
Useful for international transactions and travel

Premium Metal Card
One of the few genuine Lifetime Free metal cards in India

Complimentary Concierge Services- Travel, dining and lifestyle assistance

₹50 Lakh Air Accident Insurance Cover

₹5 Lakh Credit Shield Cover

Travel Insurance Benefits
Flight delay
Baggage delay/loss
Passport loss assistance

Device Protection & Extended Warranty Benefits

Fuel Surcharge Waiver

Exclusive Partner Benefits
MakeMyTrip offers
Times Prime benefits
Other AU partner merchant discounts

💳 My Current Portfolio & Fee Structure:

- SBI SimplyCLICK – LTF
- HDFC Regalia First – LTF
- HDFC Swiggy – LTF
- HDFC Tata Neu Infinity – LTF
- HDFC PhonePe Ultimo RuPay Select – 1st Year Free (then ₹999 + GST)
- ICICI Amazon Pay – LTF
- ICICI Sapphiro RuPay – LTF
- YES Bank Select – LTF
- YES Bank UPI RuPay – LTF
- Bank of Baroda CA Exclusive – LTF
- AU CA Metal – LTF
- Amex SmartEarn – ₹495 + GST
- IDFC FIRST Wealth – LTF
- IDFC FIRST Power+ – ₹499 + GST
- Axis Bank IndianOil – LTF

PS - I already applied HSBC Live+ also and it will be approved soon

📊 My Major Spending Categories (Newly Added part to the post for better analysis and suggestions)

- Insurance Premiums (₹1.5 Lakh/Year): I currently use HDFC Tata Neu Infinity and get approximately 1.5% cashback/value back. - ₹2,250 cashback per year. (Need suggestions on this).

Groceries (₹15,000/Month): through Swiggy Instamart using HDFC Swiggy OG, which gives 10% cashback. Occasionally, I use Amazon Fresh with ICICI Amazon Pay for 5% cashback. - ₹18,000 cashback annually.

Utility Bills (₹10,000/Month): I use HDFC PhonePe Ultimo RuPay Select, which gives 10% cashback capped at ₹1,000 per month. - ₹12,000 cashback annually

Fuel (₹2,000/Month): I use either IDFC FIRST Power+ or Axis Bank IndianOil depending on the Fuel pump. Both provide approximately 5% value back on fuel spends. On my annual fuel spend of around ₹24,000, this translates into approximately ₹1,200 cashback per year. (Since Axis IndianOil is LTF, I am seriously considering closing IDFC FIRST Power+ in the future.)

Dining (₹15,000/Year): I use Swiggy Dineout through HDFC Swiggy OG and generally get around 10% cashback. - ₹1,500 cashback annually.

Local Commute - Uber (₹2,000/Month): I purchase Tata Neu gift cards and use them for Uber payments, generating an effective cashback of around 7%. - ₹1,700 cashback annually.

Online Shopping (₹20,000/Year): My spends are mainly on Flipkart, Amazon, Myntra, Ajio, Electronics & Appliances etc. I use HDFC Swiggy OG / Amazon pay for most purchases and get around 5% cashback. - ₹1,000 cashback annually.

CA Membership Fee (₹4,000/Year): I use AU CA Metal, which gives 25% cashback on ICAI-related spends. - ₹1,000 cashback

Miscellaneous POS Spends (~₹65,000/Year): I use HDFC Tata Neu Infinity for regular offline POS transactions and get approximately 1.5% cashback. - ₹1,000 cashback annually.

UPI Payments (~₹25,000/Year): I am not a heavy UPI user, but whenever I use it, I route it through HDFC PhonePe Ultimo RuPay Select for approximately 1% cashback. - ₹250 cashback annually.

Airport Lounge Access: I use the Bank of Baroda CA Exclusive card because I don’t have to dedicate any of my own spending towards lounge eligibility. The spending criteria are generally met at the ICAI program/group level, allowing me to focus entirely on cashback optimization across my other cards.

Expected Outcome:
• Total Annual Cashback: ~₹40,000
• Total Annual Card Fees: ~₹2,000 + GST
• Net Annual Benefit: ~₹37,000–38,000

Cards Currently Not Assigned to a Specific Spending Category:
• SBI SimplyCLICK
• HDFC Regalia First
• ICICI Sapphiro RuPay
• YES Bank Select
• YES Bank UPI RuPay
• IDFC FIRST Wealth

The reason I still keep these cards is that they are among the core cards of their respective banks.

American Express SmartEarn - I have no plans to close it. I want to remain within the Amex ecosystem

❓ My Questions to the Community:

1. Which cards should I close?
2. Which cards should I add?
3. How would you restructure this?

Looking forward to your roasting and recommendations. Thanks in advance!