r/CreditCardsIndia

I have observed that sbi is not crediting reward points for electricity and broadband recharges even though it is done via phonepe app.
I am seeing this issue for transactions done post 1st of July, can anyone confirm if you are also facing similar situation

Hey everyone,
If you use Jio AirFiber, you probably already know how frustrating it is to pay the bill using external wallets. The Amazon Pay app usually refuses to fetch AirFiber bills under the "Broadband" or in Mobile Postpaid section , and the MyJio app often hides the Amazon Pay option at checkout.

If you have balance stuck in your Amazon Pay Wallet and want to use it for your jio AirFiber bill, I found a foolproof workaround that actually works:

The Browser "Incognito" Trick:

1. Open an Incognito / Private window on your phone or PC browser and go to Amazon.in (don't use the main Amazon app).
2. Log in and head over to Amazon Pay -> Mobile Postpaid (do NOT click Broadband).
3. The Trick: Enter 10-digit fixedline number that Jio gave you for your AirFiber connection, you can get it on my jio app easily.
4. Click Fetch Bill. Bypassing the app through the browser forces Amazon's desktop system to communicate with Jio's billing server.

Your bill will pop up immediately, and you can seamlessly check out using your Amazon Pay Wallet balance!
Hope this saves someone else the headache! Let me know if it works for you.

Background:
20M, final year college. Just earned ₹2L from a summer internship, with PPO expected at ~18 LPA next year. No credit history yet, so I'm going the FD-backed secured card route to build CIBIL before my job starts.

My dilemma:
I already have my savings account with ICICI, so their FD backed Platinum card feels like the "easy" option. But everyone seems to recommend IDFC FIRST WOW! instead.

My plan:

• FD amount: ₹50k–1L
• Monthly spend: ~₹10-15k
• Goal: build a clean 750+ CIBIL score over the next year, before better cards open up once I'm salaried

What I want to know:

• Has anyone actually compared ICICI Platinum FD vs IDFC WOW directly?
• Does staying with my existing ICICI relationship matter here, or is IDFC genuinely worth opening a new account for?
• Would you recommend any other?

Long-term goal:
Once the job starts, I'd love to eventually work my way up to the premium cards this sub loves talking about Magnus, Infinia, etc. I know that's a few years out and depends on building real relationship/history first, but figured I'd start on the right foot.

Would really appreciate input from anyone who started exactly like this as a student. Thanks in advance!

Hi folks, I've been quietly building a credit card rewards tracker on weekends for the better part of a year. It's called RewardEdge, it's an Android app, and I'm finally at the point where it's good enough to put in front of strangers.

The problem it solves

I was using HSBC Live+, Amazon Pay ICICI Prime, and HDFC Tata Neu Infinity at the same time and was tracking my caps in a spreadsheet. Every existing app I tried either wanted to link my bank account (no thanks), or showed flat category rates without actually tracking how close I was to my monthly cap. So I built what I wanted.

The dashboard - total rewards, this month's earnings, and a tip on which card to swipe next. (Demo data.)

What it does

• You log transactions manually - merchant, amount, category, card. Takes maybe 10 seconds.
• It calculates exact rewards from each card's actual T&Cs (cashback, reward points, NeuCoins - whichever applies)
• It tracks caps per billing cycle, not calendar month - I couldn't find a single app that did this, which is half the reason I built it.
• It tells you when you've hit a cap so you stop expecting rewards you won't earn
• 100% offline. No account. No cloud. No bank links. Your data lives on your phone, period.

The reason I built this: live cap tracking on the card itself - 33% of the monthly cap used, per billing cycle, not calendar month.

Cards supported right now (6)

HDFC Tata Neu Infinity, HDFC Regalia Gold, HSBC Live+, SBI Cashback, Amazon Pay ICICI Prime, Amazon Pay ICICI Non-Prime.

I built each one from the card's T&Cs as published when I researched them. Fair warning: banks love revising these quietly, so a config can lag a recent devaluation or rule change - if you spot one that's out of date, let me know

Same ₹40k spend, two very different rewards - the app shows what each payment route earns before you decide.

What I'd love from you

1. Check the rewards. Log a few real transactions, compare what RewardEdge shows vs what your actual statement says. If a number is off by even a rupee, let me know - either in the discord or DM me here.
2. Break it. Edge cases, weird flows, cap-straddling transactions, unusual merchant names. If something crashes or shows nonsense, screenshot it.
3. Tell me which card to add next. I'm one person, I can't do them all, but I'll prioritise based on demand.

Every transaction shows its math - rate applied, cap consumed, and how much cap headroom is left this month.

Real talk on what this is

This is a side project. I have a day job. I built it because I wanted it, and I'm sharing it because maybe a few of you want it too. Honest goal: I'd love this to eventually cover my monthly fuel bill. Right now: just give me your honest feedback.

The honest caveats

• Build expires August 31, 2026. After that you'll need a new build, and your data may or may not migrate cleanly. I'll give as much notice as I can.
• There will be bugs. There always are.
• Some features are deliberately not in alpha (cloud sync, advanced analytics, partner directory, export). I'm focused on getting the core right first.
• Updates will be sporadic. Side project, day job, life.

And when a cap is exhausted, it tells you the truth - 5× accelerated rate, but 0 points remaining this month, so that's what you get.

On analytics (this matters to me)

Analytics is on by default for the alpha, and I want to be upfront about it. I see anonymised stuff: screen views, feature usage, transaction category breakdowns, amount ranges (e.g. "₹100-500"). I do not see card numbers, exact amounts, merchant names, or anything that could identify you or your spending pattern. You can turn it off in onboarding or any time in Settings → Privacy. When the app goes public, this flips to off by default.

How to join (20 spots)

1. Sub rules don't allow links in posts, so the Discord invite is in my Reddit profile - happy to comply with Rule 2
2. Join the Discord and DM me the email of the Google account you use on the Play Store.
3. I'll add you to the tester list and confirm - the Play Store testing link (pinned in Discord and in my profile) only works after your email is on the list
4. Install, log a few real transactions, send me what breaks

The fine print

Not affiliated with any bank. Reward configs are driven by each card's T&Cs as published at the time I built them - banks change these often and without much notice, so numbers can lag reality. This is a tracking aid, not a promise of what your bank will pay: always verify against your actual statement, and don't make spending decisions on the app's numbers alone.

Cheers - looking forward to seeing what you find.

- Orion

I wanted to check if anyone else is facing this issue with the SBI PhonePe Select Black Credit Card.

I made the following transactions:

Metro Recharge - ₹500

Electricity Bill Payment (Using phonepe) – ₹4,533.24

Electricity Bill Payment (Using phonepe) – ₹4,921.22

ASSPL – ₹10,000.00

After all the transactions were settled, I received only 550 reward points in total

Is ASSPL excluded from earning regular reward points?

Do electricity bill payments earn reduced or no reward points?

Has anyone contacted SBI Card about this?

I’m in a financial block right now due to some hospital expenses. I regularly pay my credit cards in full. But this month I’m short on funds.

My current HDFC CREDIT Card debt is Rs.79,000 the minimum payment is Rs.8400, last date is 2nd July 2026.

I paid Rs.10,000 in 1st July and made a check deposit at a bank check deposit box on 3rd evening (5pm) for Rs.60,000 (it has not been processed into my cc as of today 5th July)

I’m short Rs.9000, I expect my salary by 10th July, my total outstanding on my HDFC CC is Rs.69000 current balance (without the check clearing) and additional unbilled amount of Rs.29,000.

So a total outstanding of nearly Rs.98,000.

I need advice on what I should do? The check clearing will be on 6th or 7th July (Monday or Tuesday). And I still have another 9k pending which I can’t pay till 10th.

Would I be paying any penalty or fines for the outstanding amount or even interest?

Hey guys, I was just wondering if people by a full priced cibil subscription or some kind of offers are available on those? I am thinking about getting the annual subscription but for some reason 1200 just doesn't seem worth it. Any tips on getting it cheaper?

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.

Where can I buy gift cards now?

Used to buy them from CRED