r/CreditCardsIndia

Guys "Pay Smart" according to westside. You are not allowed to pay using your credit cards now without incurring a 49rs flat fee mentioned as a convenience fee.

Also before anyone jumps with saying passing MDR to a customer is ok, Mastercard and visa network explicitly mention in their contracts that MDR should not be passed on to customers.

MDR pass on to customers on UPI and debit cards are outright banned in india according to RBI but credit cards don't fall under that rule but also you have network contracts that make it illegal.

OFFER IS ONLY ON WEEKENDS

I have been waiting for almost 2 months to use this HDFC Millennia Debit Card offer and I finally managed to do it last Saturday

I thought I would share my experience because I am honestly pretty happy with how this turned out

The offer was 1500 instant discount on spends of 2499+

Visited the Souled Store and paying through the District app using an eligible HDFC Mastercard.

Before going I checked that my HDFC Millennia Debit Card BIN was eligible and also called the store to confirm that they accepted payment through District

Shoe MRP: 2599

Souled Store points: 25 - redeemed at checkout

Final bill: 2574

Then I paid through District using my HDFC Millennia Debit Card:

HDFC offer discount: 1500

District handling fee: 150

Amount actually paid: 1224

And the best part the Souled Store credited 259.90 points back to my account for the order.

So my effective cost:

1224 - 259.90 = 964.10

2599 shoe for effectively 964.10

Overall I am really happy with the deal

Big thanks to HDFC Bank for this offer

Have you noticed suddenly after the recent tax imposition on UPI merchant transactions, a majority of shops and businesses that were previously using merchant UPI accounts have switched to individual accounts, which makes paying through RuPay credit cards not possible!

The shops I used to visit daily and pay using my rewarding cc through UPI no longer supports, and im forced to pay directly from my bank account or use cash.

Sooner or later, the government is going to have to strictly instruct every kirana and local business to enable merchant payments(so that they can tax the transactions)

Hey everyone,
I need some advice regarding getting the Amazon Pay ICICI Credit Card.

I have tried applying for the Amazon Pay ICICI card before, but my application was rejected.
My employer has a corporate relationship with ICICI and HDFC
I currently have an SBI Tata Neu Credit Card with ₹28,000 limit
HDFC MoneyBack+ with ₹84,000 limit

I recently spoke to ICICI regarding the Amazon Pay ICICI card. The bank representative told me that the best route for me would be to first get an ICICI Coral Credit Card through my corporate account relationship. Once the Coral is approved, they said they can get the Amazon Pay ICICI Credit Card approved/issued, after which I can close the Coral card.

They specifically suggested this as a way to get the Amazon Pay card because my direct Amazon Pay application was rejected.

I have a few questions:
Is this actually a legitimate ICICI process? Has anyone here obtained Amazon Pay ICICI through a similar Coral → Amazon Pay route?

If I get the Coral first and then apply for/receive Amazon Pay ICICI, will ICICI treat this as an internal upgrade/product conversion or will it involve another hard enquiry?

If I eventually close the Coral after getting Amazon Pay ICICI, will closing the Coral shortly after opening it negatively affect my CIBIL/credit score?
Does having two ICICI cards instead of one have any advantage for future ICICI card upgrades/limits?

Would it be better to keep Coral open rather than close it, especially if it is lifetime-free through my employer’s corporate relationship?

Has anyone actually done this recently and can confirm whether the RM/employee’s promise that Amazon Pay ICICI can be issued after Coral approval is genuine?

Is there any possibility that getting Coral approved does not guarantee Amazon Pay ICICI approval, and I could end up with another unnecessary card and another enquiry?

My main concern is that I don’t want to apply for Coral, get another hard enquiry, then apply for Amazon Pay ICICI and get another enquiry/rejection, only to end up closing Coral shortly afterwards.
I would really appreciate experiences from people who have gone through the ICICI corporate relationship → Coral → Amazon Pay ICICI route.

Thanks!

I have an HSBC Anytime Credit Account that came with my HSBC Salary Account. I unknowingly used it to pay my credit card dues through CRED, as I thought I was using my regular HSBC bank account.

I never received any SMS/email from HSBC regarding the outstanding amount or due date. I suddenly received an overdue message from them.

Will this affect my CIBIL score? I’m planning to take an education loan for my master’s, so I’m really worried. I’ve already paid the entire outstanding amount just before making this post.

I have salary account in ICICI bank since last five years, got Sapphiro LTF. Tried upgrade to wealth but RM is useless and also not much benefits.

Our company also have hsbc and Axis as partners.

HSBC premier is out of scope since in hand is lesser than 3LPA and won't be near at least couple of years unless I switch with better offer which is tough in given market.

Only option seems Axis burgundy account. Any experience with axis bank salary account. I talked to RM assigned in company. I already have savings account in axis converted from Citi earlier.

Need feedback for existing Axis bank account salary experience, any catches I should be aware of before applying for Burgundy account. Anything which I need to get confirmation on email from bank professional before applying for ltf magnus cc or burgundy debit??

Cibil: 763 (credit history: 2 yrs+ due to amazon pay later)

credit cards (since Dec 2025): axis neo,airtel, amex privilege(latest); hdfc swiggy ornge; roarbank; idfc first millennia (all LTF except axis airtel)

Age: 37

Monthly: 1 lakh+, salaried

Monthly expenses: Telecom & postpaid~1.3k airtel black, food/groceries/shopping- 16k, fuel~1k, local travel~2k, other expenses(optional)~3k online+offline

Yearly expenses: bsnl mobile recharge~2k (84 days pack 4 times), insurance~50k, domestic flights~ 20-30k occassionally

Background- My cc history started in Dec 2025 when I got axis neo after airtel card was rejected. Got the axis airtel anyway in June 2026(after devaluation) and have been using it since, getting 500+ cashback every month. But it turns out effectively I'm getting only 2.7%. Also tracking the base category spends is tough. So thinking to get a dedicated card for airtel black bill(can be paid only in airtel app).

Preferences for Credit Card Features: 1. Rupay cc for food/groceries offline for small spends(<100 rs) that gives atleast more than 1% what I currently get from axis airtel(only for >100 rs) 2. A dedicated card for airtel black bill(can be paid only in airtel app).3. Planning to get amazon icici cc since I'm amazon prime customer and use amazon

Reward preference- mostly cashback

Lounge access reqd- no (currently got it covered by debit cards)

P.S.- I got 5 hard enquiries in last 6 months(after 4 Apr). Planning to apply hsbc rupay cashback cc and amazon icici cc tomorrow.(5 Oct). Please give your suggestions if I should wait more or apply tomorrow

I currently have 8 credit cards & 2 Debit cards, which are :

1. Kotak Visa Platinum Debit Card (got via super account) - Using it for 5% CB on all transactions, spent 299 in first yr and 399 in second yr and generated 7k CB in total. Generally using when I don't have credit cards, now the CB flats down.

2. IndusInd Visa Signature Debit Card (got via Indie A/c) - Basic B1G1 movie tickets and some 1-3% discount on some merchants. Not much useful.

3. Axis Neo (My 1st credit card) -Limit 1.35 Lakhs Combined - Using it for zomato(120 CB) and normal orders on sale.

4. Axis Myzone - Limit 1.35 Lakhs (Combined) - Got it combined on the Neo card, applied only for UPI payments.

5. ICICI Amazon pay - Limit 1.80 Lakhs (Combined) - Most used card and great card. Don't want to close anyhow.

6. ICICI Coral Rupay - Limit 1.80 Lakhs (Combined) - Just basic Railway lounge benefits which I use sometimes, and sometimes using it on Flipkart sale as A-pay icici is not eligible sometimes.

7. IndusInd Tiger - Limit 1.10 Lakhs - Great card with lounge benefits and Free movie tickets.

8. Slice Rupay Card - Limit 2.42 Lakhs - using for general and everyday spends for 1-2% cashbacks and cashback through sparks also.

9. Flipkart SBI Card - Limit 3.00 Lakhs - using only on Flipkart & Cleartrip, nothing else and I can't reach a threshold of 3.5 Lakhs, what to do ? I applied this because I was getting a 2k gift amazon voucher for applying.

10. HDFC Swiggy - Limit 75k only - Not usually using, thought that it would build relationship but currently confused as many say that core cards build that. Suggest something in this also.

Also, I have a savings account in these banks :

1. Kotak 811 Super Account

2. SBI savings a/c (1st bank account)

3. Slice savings account (opened while applying for CC)

4. HDFC savings max a/c (want to open next week for building relationship)

5. IndusInd Indie savings a/c & planning to close it too because of 50k AMB.

Currently 21-M, Student with net 0 income, only family income of 0-3 Lakhs mentioned in all records.

Cibil 788 (ranges between 780-790 in past 6 months)

Credit age 2 yrs 6 months.

Query :

1. I am confused to close kotak 811 account as previously I generate great cashbacks from this (by 5% via debit card), now mostly those payments are done by credit cards and got relatively equal benefits but credit cards give discounts and cashback to only popular merchants and not all transactions which is a plus point of debit card.

Suggest me whether to close this or not ?

2. Also I want to opening HDFC savings max a/c so, I'm planning to shift the usage of kotak a/c to hdfc a/c and start building relationships with bank.

3. Also If I hold any bullshit card, then please tell me which one to close and suggest some more cards to apply to maximize benefits.

4. Also my monthly consumption of fuel is >12k so I want to apply any fuel card also. Tell me that also suited for me.

Hope this much data helps to answer my queries.

If something more info. want, then please revert.

5. Also I'm getting HSBC visa platinum pre-approved, done some steps but didn't completed VKYC. (I'm getting 2750 amazon voucher for applying to this card).

Hi everyone,

Looking for recommendations for my first paid credit card. I’ve attached a photo of all my current LTF cards.

Profile:
Age: 25
CIBIL: 785+
Monthly CC spends: ₹30k+
Spending: Mostly online shopping
Preference: Cashback
Lounge access: Not required

Looking for a card that complements my existing cards and offers good value for the annual fee.
Which card would you recommend and why?

PS: used AI to remove the card details.

Looking for a travel credit card that fits how I redeem

I've been looking for a good travel credit card for a long time. Right now I have two that are good at this stage: Axis Horizon and HSBC TravelOne.

The base reward rate is really good on both, and the accelerated rewards are great in percentage terms on spends. My issue is with redemption. To get real value out of the points, you have to book expensive hotels and flights through partners like Accor, Postcard, Etihad, Singapore Airlines, Qatar Airways, Marriott Bonvoy and Air France-KLM. That's the only way to make these cards high-yielding, and it doesn't align with how I travel.

Every influencer I see praising these cards is in the same situation: they talk about getting 16% or 24% back on their spends, but to actually redeem those points they have to book hotels like Accor, which cost around 20,000 a night.

I also hold a few cashback cards: PhonePe Black, HSBC Life Plus and SBI BPCL Octane. Their reward rates are really good, and everything is redeemable as cashback, which gives me actual cash. That's the kind of redemption I prefer.

So I'm still looking for a travel card whose rewards are easy to redeem without needing expensive bookings.

Applied for Marriot Bonvoy HDFC CC because of the recent 2.5L spend based offer and was happy when it got approved just to find out I got a limit of 1L??

I though to get premium HDFC co branded cards you need a minimum limit of 1.5L so no clue how they approved me with 1L,

How do I spend 2.5L in 2 months now? Can I pre-pay the bill?

Also now that my first HDFC card is Co branded I can’t get a core card but does HDFC offer limit increase on co branded cards?

Just added Sbi phone pe black rupay on cred tap to pay . Have to agree Cred tap to pay is way better than Gpay

I had CashKaro Installed In my phone for a while, but I wasn't using it to apply credit card cuz I seen ppl from reddit saying that banks rejects application if applying through third party apps. Gave it a try and applied for SBI SimplyClick and got it approved. Cashback tracking wasn't instant I had to create ticket got it resolved and cashback was credited in my CashKaro account within 72 hours. About their app only thing I hate is their withdrawal waiting time 72 days like wtf?