ICICI, in partnership with The Times of India, is launching this ₹1.75 lakh + GST credit card.
Joining fee is ₹1.75 lakh + GST.
Would you actually get this card? And more importantly… what benefits would justify that insane fee?
Seems like HSBC is planning to expand their corporate user base as this email came on my official ID today. I am sure I haven’t seen HSBC give out cards with zero joining fees before. Was planning to get Live+ already, then this email landed up today and I am so happy I didn’t apply earlier! (I already hold TravelOne)
Offer is:
Live+ & RuPay CB : Zero joining fees
TravelOne : 50% back on joining fees
I was about to close this card due to having upcoming annual charges 5000+GST and was thinking to get TRAVEL ONE card ...
But I really underestimated this card...My mostly domestic travel happens by airindia express from my hometown to Bangalore and vice versa.
I transferred miles to airindia points ,to be honest the miles i transferred if I actually convert in rupees,from that rupees I am only able to book one way of flight, but because of these points converted from miles I was able to get return flight too...also few Maharaja points left in point wallet.
One of the greatest thing on this card that it gives 1:2 ratio of maharaja points , makes it almost double value of it, meanwhile HSBC travel one gives 1:1 ratio which is kind of disappointing.
I am not fan of expensive stays by accor etc, I am mostly rely on flight travels ,so finally decided to keep this card and pay annual charges...i understand annual charge reduces few value from actual overall value back...but still it's fine.
So if you are mostly rely on domestic flight travel specially on airindia express or airindia ecosystem it will give you best value.
Note :- This Post is just for information what i personally experienced.Might be helpful for few users to understand rewards and miles system.
I know this post is repeated in this sub and this is not at all a flex post but rather an awareness post.
I closed my card few months back but the bank did not actually close it and that I realised when I looked at my CIBIL report very recently after more than 5 months.
RBI CMS portal lets you file the complaint for last 3 months only so I sent them a written complaint over email against the bank. And they forwarded this complaint for the bank.
Today I received an email from the bank asking for bank statement for transferring the compensation. All of it happened within last 10 days.
Thanks for people on Reddit to spread awareness because on a normal day I would have just wrote them a simple mail to close the credit card (again). A small mistake from bank can make them lose so much.
Edit: Typos
I applied for the Flipkart Axis Credit Card about 2 weeks ago. I got an email saying my application was approved, but Axis never mentioned the credit limit anywhere
I checked this sub and found a post about checking the limit through the Axis app. But the app asks for the card details. I also tried the WhatsApp chatbot, but Axis has patched that too and now asks for the activation code printed in the welcome kit
The card took another week to get delivered, and I got it today. Checked the limit and... ₹27K. Honestly, bruh?? 😭
The more irritating part is that it has a ₹500 joining fee + ₹500 annual fee, which is waived only if you spend ₹3.5L in a year. How am I supposed to spend ₹3.5L with a ₹27K limit?
My question is: the application has already resulted in a CIBIL enquiry, so should I activate the card, start using it and request a limit enhancement later? Or should I email Axis immediately and say that I’ll only activate it if they can provide a higher limit?
What would you guys suggest? I'm confused right now
I have got a priority pass along with my LTF icici sapphiro dual card. It had 2 international longue free visit per year.
On my recent trip to HCMC while returning back I went to longue and shown them my priority pass they just scanned it and sent me inside. No charges.
Also that longue was having japanese toilet seat(this was the best toilet seat ever, until you experience it you know it)
Unlimited beers and drinks(tins) in the refrigerator btw..😂 for those who drink
A few weeks ago, I randomly stumbled across an Instagram reel talking about the Visa Travel Program, registered my card in two minutes, and completely forgot about it.
Fast forward to this week: I just returned from a work trip to Thailand. Today, I checked my inbox and saw an email saying I unlocked a milestone reward. Logged into the portal and boom—a ₹14,000 Amazon Pay voucher sitting right there waiting to be redeemed on ~₹1.43L of qualifying spends (~10% return).
The best part? The entire trip was reimbursed by my company. 💀
The Double/Triple Dip Breakdown:
Axis Atlas: Booked flights & hotels for 5x Edge Miles (which convert 1:2 to airline/Accor points—already a ~10% reward rate on direct travel spends).
Grab Spends: Used the card for local food deliveries and daily commute in Thailand.
Visa Travel Campaign: Dropped a flat ~10% extra on top as an Amazon voucher (₹14,000 on ₹1.43L spend).
Basically got ~20%+ in total effective returns between Atlas miles and the Visa voucher for spends that didn't even come out of my pocket.
If you have any upcoming international travel on a Visa card, definitely check out and register for their travel campaign before you swipe. Free money on the table.
Offer is available till 30th September incase you have any upcoming international travel planned.
I’ve mapped merchants to MCC Codes and got that verified from my HDFC bank statement. This card is way better than I had imagined.
Enjoy!
After a multi month exercise, I am finally done with consolidation. I am closing my other lower end paid cards and will just keep the LTF ones such as Axis FK, OneCard etc.
As for my core stack, here is how I am planning to use it -
Amex MRCC - Buy 4 × ₹5K Amazon Pay vouchers to hit the monthly milestone, then use the Amazon Pay balance for miscellaneous expenses.
HDFC DCBM - My primary daily driver. I'll use it for most of my regular spending and extensively use SmartBuy vouchers.
HSBC Premier - Backup for HDFC DCBM. I will also use it for booking flights/hotels if the deal is better on HSBC Hopper when compared to HDFC SmartBuy.
The plan is to move away from Cashback and entirely to Reward Points.
M21, Never had a single card or loan my entire life
I am a student so I don't have a payment source to show. But my spending is around 20k a month out of which around 10k is on Amazon or Myntra. So I am in need of a CC which doesn't require income source.
What I am seeking is
Discounts on online shopping (even if it saves 100-200 per order it's like gold for a student)
2 domestic lounge access a year (Preferably DEL and BLR)
2-4 Free movie tickets as I am a cinema nerd.
No Joining/Maintenance fees (even if it's there not more than 1000)
Someone suggested me Indus Tiger but idk a lot about it. So your opinions are welcomed. Thank you in advance.
Got this DM. I am intrigued to know the business model
Can anyone please help me understand what my final EMI willl be?
Because if I go as per what the photo says, it will be 82000, but I only made a payment of 70000 and that is the amout that got decucted on my card right now?
I thought I made a full payment instead of NCEMI, but then I wouldn’t have availed the NCEMI discount of 7000
Its way too confusing!
This is bit long please bear with me. I went to bank and told him to make basic savings account (AMB 5k) for me and MaxSaving account (AMB 25k) for my dad for any future card offers. The guy turned out to be a friend of my friend whom I met for the first time.
They came to our house to enable geo tagged location as our address. He brought one basic and one MaxSaving account opening kit. Did KYC and in-fact received email stating the basic account opening (attached pic). I transferred HDFC 15k on an official QR which should reflect in my new account. My father gave a cheque of 26k towards his MaxSaving.
The catch was he intentionally or mistakenly applied that MaxSaving kit number to my basic saving account application and now mentioned that he has to fetch one MaxSaving kit again from bank for my dad.
He came back after 1.5h gave my dad everything from passbook to debit card. When I asked about mine he sat there for half an hour trying to sell me that, “please we will make your account non maintenance after 2 months. Just maintain 25k for 2 months.” A RM called me to convince me the same.
I said okay if you mistakenly did this, I will send another 10k to bank which will make it 25k for me. He said, “No, it should come as a single credited statement of 25k and demanded another cheque or upi payment of whole amount. I denied that since I have other expenses and I can’t just straight up give 25+15= 40k towards my new account opening.
On road, during leaving he tried to convince me again and again stating the pressure is on him now to delete that and make a new basic one for me.
Lesson learnt. He did the mistake and I got a bumpy onboarding which may take 3-5 d or more to sort out or this incident may hinder my card approvals in future. My father who had never held any pvt bank account got a bad experience as well from all this and developed a trust issue.
I checked my CIBIL score today on Gpay app and it is decreased by 61 points and I had not delayed any payments or did any over utilisation.
I’ve been using ICICI Bank credit cards for more than 3 years and have never missed or delayed a single payment.
I currently have two ICICI cards:
On top of this, I had approximately 75,000 ICICI reward points, which are now showing as 0.
Initially, I only received an SMS/email saying that the credit limits had been revised as part of the bank’s internal/periodic credit limit assessment. Customer care also isn’t giving me any specific reason for such a massive reduction.
However, I have now received another email from ICICI stating that they have observed “repeated transactions indicating possible business or commercial expenses instead of personal use.”
They have temporarily stopped the accrual/redemption of reward points and have asked me to provide supporting documents within 15 days, failing which they say the card may be blocked.
The problem is that, as far as I am concerned, my cards are being used for personal expenses and this appears to have been incorrectly flagged. ICICI has also not clearly told me:
Going from an ₹8 lakh limit to ₹56,000 on Sapphiro is an extremely significant reduction, especially when I have maintained the cards properly for more than 3 years without missing payments.
I’m planning to raise a formal dispute with ICICI and provide whatever documents they require to establish the personal nature of the transactions.
Has anyone here faced a similar issue with ICICI?
If yes:
I got my Amazon ICICI Credit Card more than 3 years ago and was stuck at a ₹40,000 limit. I've had 100% on-time repayment and a 770+ credit score. I never received a limit enhancement offer nor did I ask for one.
A few days ago I saw a post suggesting emailing ICICI support for a limit enhancement.
I took the initiative and sent an email. Initially, support replied, saying the system is automatic and I would only get an email when eligible.
I requested an escalation to the credit card team for a review. They asked for some documents (ITR, bank statement) and voila!
It turns out sending an email doesn't hurt. Take your chances.
Hi, i need recommendations to get out of cc debt trap all cards have dues and im in the process of clearing out one by one. (Smallest one first). Is there any reason to keep any cards active or can i close it out once im done repaying.
I apply every 6-8 months or so as we always go, and today I suddenly got in.
2.6 Lakh limit with no income proof.
Hey everyone,
If you hold the Jupiter CSB Bank Edge Credit Card, check your credit reports immediately on CIBIL, Experian, or OneScore.
There seems to be a widespread reporting glitch where regular/current billing cycles or fully paid dues are being reported as Overdue / Default (DPD > 0) by CSB Bank.
My CIBIL score took a massive 60-point hit despite making on-time payments, and multiple users are reporting similar discrepancies.
What You Need to Do Right Now
Log in to your CIBIL Portal.
Navigate to Dispute Center > Raise a Dispute.
Select the CSB Bank Credit Card account.
Mark the payment history/overdue section and attach your latest bank statement showing on-time payment clearance.
Send a strong, formal grievance email to CSB Bank’s nodal desk and Jupiter support.
Relevant Escalation Emails:
Jupiter Support: support@jupiter.money / grievance-officer@jupiter.money
CSB Bank Customer Care: customercare@csb.co.in
CSB Principal Nodal Officer: principalnodalofficer@csb.co.in
Drop a comment below if your score was affected as well so we can track how widespread this issue is and take collective escalation if they delay updating the bureaus!