u/aaarjun888

Yes bank kiwi is virtual card...pic is only for reference.

Note :- Physical Kiwi Rupay Card added by AI just for reference. Only virtual card recieved. While adding kiwi card pic by AI , some existing cards network name also got affected/changed by AI glitch or bug , IGNORE that.

DCBM :- Additionally I use for insurance premium pay 5.9% value back and Fuel expenses with my other daily expenses.

ETERNA:- Additonal Positive forex charge over international spends ,gets additional 1.25% reward back even after adding forex charge.(Better than SCAPIA i guess)

got approved Yesbank Kiwi 7 days ago . And 2 days ago i activated my card on kiwi app since then i am having so much issues..

After activating and linking this card to UPI when I am going to view card details, always an error popping up...

Still i am not able to see my card details.

I tried to reset upi pin for my credit card but while doing it an endless loop circle is running...not letting me.

everytime I open app it's asking me to activate my card,i have activated like 20-30 times still.

Reinstalled app multiple time, cleared cache and data, updated app, everything support suggested I did it..

I contacted Yes Bank customer care service to let me login thier iris app to get card details but they told I need to get credit card number from kiwi app only to login in thier app.

So eventually I got card, activated in app but still it's all good for nothing..it feels like I have just a useless kiwi app in my phone, can't do anything..

Kiwi support system is way pathetic..it feels like some cheap start up filled with ameture people... They only have email support system which take more then 48 hour to give basic support..

I am thinking now how should we trust our huge transaction with fully bugged app like kiwi...

What if some huge transaction get fails or stuck...

They don't have proper running app with consistent support system.

REGALIA GOLD upgraded to DCBM

BOB Premier upgraded to ETERNA

For Axis kept ATLAS Only.

REST CLOSED...and consolidated With new cards.

I guess like HSBC , Yes Bank is also generous with thier credit limit...

I got 5 lakh credit limit with my Yes Bank Kiwi Rupay applied 4 days ago and today activated.

I was expecting same to get max 1 lakh but got 5 lakh credit limit.

​

Already have few credit cards with combined limit 31 lakh.

I wanted to understand if we recharge for any phone like airtel 619rs 60days pack, if I try to make payment by UPI method with same card it comes around 628rs but if I try to make payment by credit card option with same card it comes around 635rs.

So in which way we need to make a payment to get 10% cashback? Though now I understand they charge additional 2% +gst as processing fee by card option and by UPI method 1.5% processing fee without any gst.

2026 My Updated Consolidated Credit Card Profile with Expenditures:-

(A)Travel,Flight,Hotel,OfflineSpend,InsurancePremium,Fuel,Wallet,Voucher/GiftCard:- (REWARD BASED)

1.-HDFC DCBM -(Additional Insurance Premium 5.9% value back)

2.-Axis Atlas

3.-BOB Eterna Visa(LTF) :-(Additional Net profit +1.39% over Forex Charge & Movie BOGO offer)

(B)OnlineFood, Online/Offline Grocery, Dining, OnlineShopping, Utitility, UPI Payment- (CASHBACK BASED)

4.-HSBC Live+ :-(Additonal BookMyShow Sat offer)

5.-SBI CashBack

6.-HDFC ULTIMO PhonePe Rupay

7.-HDFC Swiggy(LTF)

8.-ICICI AmazonPay(LTF)

(C)For Offer Sale & NonSpend Based Lounge Access-

9.-IndusInd Tiger(LTF) :-(Additional Bookmyshow offer)

(D)Backup CoreCard Offer Sale Only(ALL LTF)-

10.-ICICI RubyX Visa(LTF)

11.-SBI Pulse Visa(LTF)

Monthly In hand Salary(after tax):- 1.95L (2lakh approx)

Travel(Yearly):- 2-3 time(round trip) domastic only

Next year 2027 i have planned for international trips...i guess i will try to add SCAPIA as a travel backup to my profile.

I already have few cards like HDFC DCBM, HDFC PhonePe ULTIMO, Swiggy HDFC (all with a shared limit) , ATLAS , ETERNA, AMAZON PAY, SBI CASHBACK, INDUS TIGER... Combined credit limit surpasses 24 lakh. Two days ago i got HSBC LIVE+ card,i never expected to get huge credit limit with this card ,I got 8 lakh credit limit from it.

Are they generous with credit limit?

I ordered this dog food from Flipkart, from that my dog got kidney failure and gone ,he was 4 years old.

What should I do to report this Brand..

Because i understand in India for animals n pet systems and rules are not strong enough and i might get stuck and struggle alot to get justice...

I even don't have proof but , I 100% know this food gave him sickness and all because it's been 20-30 days since he started to eat on regular basis and suddenly within two days everything happened,early sign 1 leg swelling, and on 2nd day all leg swelled, mouth swelled infection, liquid inside , infection inside throat n stomach,abandoned eating or drinking... Poor budd.

It gave me Life time trauma,guilt and regret I am responsible for it ,because i gave him this food ...my parent were ok with homemade food, but i insisted.

Sometimes over care do totally opposite to your loved one.... 🥺

I guess 2 days ago someone posted that on croma/tataneu Orginal vegen leather Case for s24 ultra was showing as 254rs.. in this sub.

I checked and ordered , within 36 hours it got delivered to me...

I already have orginal silicon case, but leather Case is pocket friendly doesn't stick and all.

And to surprise it's orginal vegan leather Case which I got in 254rs ( 250 neutral coin+ 34 rs cash) ...

Again thank you so much.. whoever Posted offer sale.

I used to get 6 hour SOT after OneUI 8 update whole 2025-26 years.

Display:- 120hz refresh rate ,QHD+(3120 x 1440) ,No AOD

With same display like last year update I'm getting 8-9 hour SOT now...

2026 My Updated Credit Card Optimization Strategy:-

(A) Travel, Flight, Hotel, OfflineSpend, Dining, InsurancePremium, Fuel, Wallet, Voucher/GiftCard:- (REWARD BASED)

1.-HDFC DCBM -(Additional HP Pay Fuel Vouchers 4.83% back) (Insurance Premium 5.9% value back)

2.-Axis Atlas

3.-BOB Eterna Visa(LTF) -(Additional Movie BOGO offer)

(B)OnlineFood, OnlineGrocery, OnlineShopping, Utitility,UPI payment:- (CASHBACK BASED)

4.-Swiggy HDFC(LTF)

5.-AmazonPay ICICI(LTF)

6.-HDFC ULTIMO PhonePe Rupay

(C)Backup Only For Offer Sale & NonSpend Based Lounge Access(ALL LTF):-

7.-SBI Pulse(LTF)

8.-IndusInd Tiger(LTF) -(Additional Bookmyshow offer)

(D)Backup CoreCard Offer Sale Only:-

9.-ICICI RubyX Visa(LTF)

I don't why they completly ruined ,igonred thier service booking app " TMSC ".

It's been more than a year this app is still showing as "internal server error".

Still unbelievable this kind of WORST careless service by TATA.

If you already have DCBM then it's good to understand that DCBM gives 5.9% RP after insurance premium.

As per new guidline of HDFC smart buy you can avail maximum 10k Amazon voucher..add in Amazon pay wallet and make the payment.So purchasing this voucher by DCBM gives you 9.9% RP back but they also take processing charges around 3.5% + GST , so overall it comes around 5.9% eventually.

If you have monthly Insurance Premium lower than 10k and you don't have SBI Black and if you already holding DCBM or RG...use it.