Looks like Zepto has indeed fixed the loophole as I can see a 1.5% cashback credited for the same in my current month statement. It could be that or my grocery and food spends got 1.5% which is highly unlikely. Anyways, I will be call up the customer care tomorrow and doing multiple follow-ups to indirectly understand the reason 😅

I will reply on the post's comments if I get more details for now just hold back on any GC purchases from Zepto.

Btw I was using HSBC Live+ credit card to purchase GC on Zepto.

Looking for suggestions for a first unsecured credit card.

Profile:

• Government employee

• Income: ₹6–7 LPA

• CIBIL: 776

• No existing credit cards

Monthly spends:

• Online shopping: ₹5–10k

• Utility bills: ₹3–5k

• Fuel: ₹3–5k

• Dining/Food delivery: ₹2–4k

• Insurance premiums: ~₹30–35k annually

Current relationship:

• HDFC Savings Account opened in May 2026 (₹10,000 MAB).

• Around ₹50,000 in monthly account transactions while maintaining the required MAB.

• ₹1 lakh FD with HDFC.

• HDFC app showed Pixel (LTF), MoneyBack+ (paid), and Swiggy HDFC as available offers.

• A hard enquiry from HDFC was generated in June while checking card eligibility/pre-approved offers.

Previous applications:

• SBI SimplyCLICK – Rejected (January 2026)

• Amazon Pay ICICI – Rejected (January 2026), currently under the cooldown period.

Would it be better to wait another 2–3 months for the HDFC relationship to mature before applying, or apply now?

Also, what would be the best first cashback card for this profile besides HDFC? Any thoughts on why SBI SimplyCLICK and Amazon Pay ICICI may have been rejected despite a 776 CIBIL and a stable government job?

I’m new to credit cards and currently only have the HDFC Swiggy Credit Card, which I mostly use for Swiggy, Amazon, dining, and online shopping. Since the recent changes to its cashback/MOV, I’m looking to add another card.

I’m looking for:

Preferably LTF (or fee waived with around ₹10–20k annual spends)
Good cashback on Amazon, Flipkart, dining, food delivery, etc.
Any nice perks like free movie tickets, lounge access, dining offers, OTT, or similar benefits.

What cards would you recommend for someone with my spending pattern?

Cibil - 764

So I have decided to open a HSBC bank account and I would like to know your experiences with HSBC services.

I guess the main reason I am opening a HSBC account is because I have a future plan of leaving India and HSBC is a global bank so the bank by then will be comfortable because I don't know any other bank besides HSBC that's in USA and such.

That and I'm told that HSBC has good services especially with their Live+ card which is becoming a GOAT imo.

As mentioned please let me know the best Ltf Cards I can get which gives 3,4 domestic lounge access as well as offers on food, shopping,movies. I am planning to start my credit card journey. credit score is 850. Income is around 45k pm.

I'm 18 and looking to build my CIBIL score with my first credit card.

I initially shortlisted ICICI and SBI. I visited an ICICI branch, but they told me I'd need to maintain a ₹15,000 minimum average balance in addition to creating the FD, which made it a deal-breaker for me.

I already have an SBI savings account, so I'm now planning to create a ₹50,000 FD and apply for the SBI Unnati credit card. (90%limit offered)

My main priorities are:

- Building a good credit history

- Getting access to SBI instant discount offers during online sales

- Occasional EMI purchases

Before I go ahead, I'd like to hear from people who actually use SBI Unnati.

- How has your experience been?

- Are SBI instant discount offers generally applicable on Unnati?

- Any hidden drawbacks or things I should know before creating the FD?

- If you were starting from scratch today, would you still choose SBI Unnati?

Thanks in advance!

i am thinking of getting hdfc phone pay ultimo, i already have RG LTF only for upi spending i am thinking of getting ultimo i dont have insurance i pay only utilities and upi scans

i asked RM for LTF as i have a good relationship with hdfc but she said it co branded card they cannot provide LTF

so anyone got it for LTF or is it worth applying ?

is there any other CC which give better rewards than ultimo

It is a simple website to help users understand credit card rotation loss in india.

It shows monthly loss,total loss,fee impact,and better card options.

I am still improving the data and calculation and I would like feedback on :

• Accuracy

•Missing Features

•Clarity

Website : rotationscore.in

Thinking to get the PhonePe select SBI black card for 5% online cash back and give up my Amazon Pay ICICI card - their cash back and savings now seem to be 0 even though I spend most of my money on Amazon

Hi Everyone,

I was planning to get a core HDFC credit card via card to card. I have an Axis Credit card with a decent limit (1.76L) which I feel is eligible for the same. When I visited a nearby branch, the guy at the desk stated that the HDFC credit card I am getting will only have a limit of max 30% of the submitted card. He suggested that I open a new account so that the KYC for my credit card can be avoided by.the KYC of bank account and also suggested that the payments would be better with the HDFC Banking App. I am confused 🤔

Age : 25

Monthly Salary: 69k(+20k part time)

Cibil : 780

N.B. -

I have an EMI of around 34k every month, which is the reason for me to apply via this mechanism. I am planning to get this credit card so that I can enter the HDFC card ecosystem in order to be eligible for cards like INFINIA in the long run

My friend has an SBI SimplySAVE credit card with an 85K limit. Due to financial issues, he has been paying only the minimum due for the last 4 months. Now he’s unable to continue, and with interest + charges, the outstanding has crossed 1lac.

He visited SBI’s Local Head Office in Kolkata asking for a settlement. They told him to wait for 3 months of default so the account can move to the settlement department, but interest will keep adding, and they said the reduction may only be around 20%.

The problem is recovery agents are now calling him 10 times a day, and also calling his wife and mother, which is adding a lot of pressure.

Now he has somehow arranged 50K from a friend and wants to settle the account immediately. He is not trying to run away — he genuinely wants to repay, but can’t manage the full amount right now.

I need help from this community for below advices

1. Is there any way to directly approach SBI for a one-time settlement before waiting 3 months?
2. Can interest/late charges be waived if he is ready to pay 50K upfront?
3. Should he write to the nodal officer / grievance redressal team instead of dealing with branch/recovery agents?
4. Has anyone successfully settled an SBI credit card in a similar situation?

i will be turning 18 in 10 days so i want a fd based card so that i can make credit history and increase my score

i spend mostly on utility bills and shopping and sometimes on travel booking