r/CreditCardIndia

Fitpass is useful and can xlaim rewards points as well .

How to confirm its LTF ?

If i buy amazon pay gift card fr axis edge gift card portal will i get points on that and will it count towards my AEP? and what is the limit one can buy on axis magnus credit card? Please help me

Hi

I need a credit as i already have amazon icici which give 2% on bills and recharge but it seems to be very low as compared to other card

Can someone suggest a good card which give good cashback

My usage is limited to 10 minutes apps, travel to office via train or bus , uillities and recharge

Max expenses is 10-20k

My cibil is 801

I recently got the card as FYF. Couple of days back, statement was generated and I paid it as well.

I had read her or somewhere that even if it is FYF, you will still get the 1500 PhonPe voucher but still I have not yer received.

Has anyone got the voucher or FYF cards are not eligible?

I have a biz black card which i used for all my spends but it doesn’t make sense for spends apart from gst and income tax as the transfer options are quite limited and no other sensible use of points is available.
So looking to get a card for all other spends apart from taxes .
Please advise

Halo everyone
Can anyone guide for payment made to duplicate person
Google pay - reversal contact bank
Bank customer care - Branch visit
Npci- number not working
Any way ?
What's the faster resolution

Please help

I applied for bob card eterna , but application seemed stuck in limbo , no status , no communication. Then they send a sms that card is ready for digital , i downloaded app its working. But no info on when physical card will come , been trying tp get in touch with customer card , all failed. Damn.

P.S. update

Got the SMS!!! JUST WISH TO CLARIFY ABOUT ITS FEES STRUCTURE , IF ITS LTF , THEN ITS WORTH IT

Congrats, Your BOBCARD is dispatched . Download the BOBCARD app to activate your card quickly.

hey so like I'm 19 and i sumhow broke my ipad and I can't let my parents know that so I'm thinking about getting one on emi and I don't have a credit card so could you guys please explain me what credit card would be good for me and yh

[supprimé]

I’m 26, salaried, and being offered both as LTF.
This will be my first credit card.
Main spends are online shopping and food delivery.
please suggest me.

Hi Friends

I am planning to upgrade my paid regalia gold to dcb metal . Fees will be 10k plus gst.

What are the cons of dcb metal? How to maximize the benefits? Request all to suggest alternatives if any.

I look to get benefited from groceries, insurance, petrol, education fees, travel both air and train, utility bills.

Hope to get help. Thanks is advance pls.

I had applied for DCBM but got declined stating the employer is not recognised. However it’s a public company in India with different registered name on salary slips. Now I am looking for more powerful alternative. I currently hold Regalia Gold and recently starting maximising rewards points via PayZapp app / coupons

Request to recommend card for my profile. Sharing more info about me

Cibil: 800+

Age: 30

Monthly Income and Employment status: ~3L & Salaried

Monthly Expenses & Spending Patterns: ~1L

Top 5 Monthly spend categories and Top 5 Annual spend categories:
Monthly: Grocery apps, Amazon, Food outlets, offline Shopping , Uber, Petrol
Annual: International travel (flight + Hotel) , Income tax, & other same as above

Reward Preference (Cashback or Reward Points): Aspire to use point for international travel be it hotel or flight ticket (I have heard about people funding business class tickets through point but at present I just want to start accumulating points )

Lounge Access Required: yes

Note- I already have SBI cashback CC

Total limit sanctioned : 6L (Regalia gold) + 3.4 (SBI Cashback)

Edit: Please suggest some long term solutions, if feasible. I am not looking for quick wins and also OK to optimise spending. Yes, I do ko want to own more than 2-3 cards

[supprimé]

Hi guys,

I own one Axis Atlas & a SBI Aurum card.

1. SBI Aurum - LTF - Primarily using for free movie tix, discounts, etc because of it's no reward rate
2. Atlas - 5k p.a - Using for everything else but I've already maxed out my tiers (15L spent in 7 months) and after the devaluation, im not so sure if it makes sense to keep spending on this. The 15L must have travel spends of around ~2L and the rest have general spends and that still has given me almost ~47k edge miles.

I am considering getting either HSBC Travel One or HDFC Swiggy Black, not sure which one should I go for, I don't want a lot of cards so one card that I can use everywhere is what I am aiming for.

Please share your suggestions on which would work the best - if there's any other card also which you feel I should consider, I am open to suggestions. Thanks for your time.

Hi Community, as the title goes: I got my TNI converted to LTF CC two days back. Wanted to share the exact mail I wrote so that it helps someone who might be eligible but hasn't tried it already.

Applied for LTF conversion on 12th and got the Response + Approval on 14th. A verification call from the Bank is done to confirm the conversion.

Background: I have used this card extensively this past year and was anyways getting qualified for the Fee waiver due to spends. I still tried to get it converted to see if I was eligible, and if the HDFC overlords showed some mercy ;-)

email this to customerservices.cards@hdfcbank.com

Subject: Request for Lifetime Free (LTF) Conversion - Tata Neu Infinity Credit Card - <YOUR NAME>

Straight to the content of the mail:

Dear HDFC Card Services Team,
I am writing to you as a loyal customer of HDFC Bank, currently holding the Tata Neu Infinity Credit Card (ending in 1234).

I have been using this card extensively for my primary expenses, consistently maintaining a high monthly spend and ensuring all payments are made in full and on time. Given my significant usage and long-standing relationship with the bank, I would like to request that my card be converted to a Lifetime Free (LTF) basis.

Over the past year, I have maintained a flawless repayment record, consistently settling my balances in full. As I approach my card anniversary, I would like to move forward with this card on a Lifetime Free basis to reflect our mutually beneficial relationship. While I find the benefits of the Tata Neu ecosystem valuable, the current annual fee is a point of consideration for me when comparing other premium offerings in the market. I would prefer to continue my journey with HDFC Bank without the burden of an annual renewal fee.

I am already qualifying for the waiver due to Rs 3L+ usage on the Credit card. I would appreciate it if you could review my account and spend history to consider this conversion as a gesture of goodwill. Looking forward to a positive response.

Best regards,

NAME
Customer ID - <CUSTOMER ID>

Hope this helps.