r/CreditCardsIndia

​I think I just witnessed a miracle.

​About 1.5 years ago, I opened a ₹1.5L FD with HDFC to get a secured Millennia credit card. Naturally, they gave me the standard 90% limit, which came out to ₹135k.

​As far as I knew, the absolute rule with HDFC secured cards is that your limit is locked forever unless you add more money to the FD or close the card entirely.

​But today, my phone blew up with an email, SMS, and WhatsApp message from HDFC offering me a Credit Limit Enhancement to ₹162k.

​No extra FD requested, no income proof asked for. Just a straight-up offer out of nowhere.

​Has anyone else ever had HDFC upgrade a secured card like this, or did a system glitch just work in my favor?

been stacking cards over the years and feel like there's too much overlap now. would love a sanity check from the sub.

current stack:
kotak solitaire
amex platinum travel
axis horizon
hdfc marriott bonvoy
axis M4B
hdfc swiggy
indusind pioneer heritage
hdfc tata neu infinity
onecard

accumulating spends of around 3/4L monthly!

what to keep and what to delete.

want to stick to 4 cards only as managing all of them has become a headache 😂

I have a Yes Bank Pop Club Card, i opened it when I was jobless, Now I am employed, will I get more limit if I submit bank statement or should I accept it?

I had several what unread WhatsApp messages. HDFCs was one of them too. And ignored it for the most part of the day. Once I’d logged into work and was on a short break, saw this. Wasn’t sure how much would be the new limit. Went ahead and here we are!
Btw, my earlier limit - 7L.
Card - HDFC DCBM.

All the best to everyone wanting/waiting for LE! And have a great morning y’all!

​

I’ve been using the SBI Cashback Card mainly for the flat 5% online cashback, especially through the Amazon Pay gift card route for utilities and bill payments.

Now SBI seems to have tightened restrictions even more:

Utility MCCs (4900 etc.) are excluded from cashback.

1. Wallet/gift card related spends are getting excluded or inconsistently tracked

2. Amazon Pay balance loading + bill payments loophole seems mostly dead

Earlier the best workaround was: SBI Cashback Card → Buy Amazon Pay Gift Card → Pay bills via Amazon Pay → Get 5%

But now even gift cards/wallet related spends are reportedly getting blocked or not rewarding cashback consistently.

So what’s the best alternative now?

Is SBI Cashback Card still worth paying annual fees for in 2026?

Feels like the card is slowly getting devalued month by month.

Personally, the card is still strong for:

direct online shopping

smaller e-commerce purchases

websites where no co-branded offers exist

But yes, the “universal 5% hack” appeal has definitely reduced.

Here is what I received from them

Been keeping utilization low, paying in full every month and avoiding unnecessary applications.

Today it paid off with a credit limit increase, not a huge jump, but proof that the basics actually work.

For anyone in the early stages of building credit, don't get discouraged by the slow pace. The incremental wins add up. 🙌

What strategies worked for you when you were trying to get your first CLI?

If you already have DCBM then it's good to understand that DCBM gives 5.9% RP after insurance premium.

As per new guidline of HDFC smart buy you can avail maximum 10k Amazon voucher..add in Amazon pay wallet and make the payment.So purchasing this voucher by DCBM gives you 9.9% RP back but they also take processing charges around 3.5% + GST , so overall it comes around 5.9% eventually.

If you have monthly Insurance Premium lower than 10k and you don't have SBI Black and if you already holding DCBM or RG...use it.

I have been trying to get myself an Scapia Credit card but all I get this error message. Does anyone know how to resolve this or any workaround to get a Scapia Credit Card.

Also, I do own a OneCard from Federal Bank which I think could be the reason for this error message.

Let me know your views on this any solution would be helpful.

Hey everyone, I’m looking for some advice on my current card setup. I’ve "tried" to balance having the right cards for my spending habits while keeping it simple, but I’d love to get your perspective on how I’m doing.

Current Setup:

• Axis IndianOil (Primary): My go-to for all offline/UPI and fuel payments. The fuel cashback alone more than covers the annual fee, so it’s definitely earning its keep.
• Amazon Pay ICICI: My highest limit card. I use this exclusively for all my utility payments via Amazon Pay and Amazon shopping.
• Swiggy HDFC: I spend about 10k/month on food and groceries, and this card gives a great return for that specific bucket.
• SBI Cashback: Used sparingly for 5% back on niche/random online sites. I haven’t canceled it yet because the 5% comes in handy for things like computer parts or specific online vendors.
• AU Ixigo: My dedicated zero-forex card. I rarely use it, but it’s my go-to for international digital products or subscriptions in USD. I’m honestly not sure or cared about its lounge benefits.
• Flipkart Axis: My first card. I rarely use it, but I’ve kept it active for the credit history.
• SBI Debit: I keep this mainly for the access it gives me to more Cash Deposit Machines (CDMs) in my area.
• Axis Priority Debit: Got as an upgrade when my Axis account got upgraded to Priority tier, Axis is my primary banking service with long time relationship.
• Federal Signet Rupay: Has low credit limit under 45K, It's not in the photo as I've given this card to my mom for her spends.

With the exception of the SBI Cashback, Axis IndianOil, and maybe the SBI Debit card, all my other cards are Lifetime Free (LTF).

Context & Background:

• Recent Changes: I recently cancelled my Axis Neo because I wasn't getting any real value from it, plus it was blocking me from getting new Axis cards since I was already at my 3-card limit.
• The Struggle: A year ago, my expenses were spread across so many cards that keeping track of everything was overwhelming. I tried to move to a "one card for all" approach, but it hasn't quite worked out that way since I'm looking for specific benefits.
• The "Premium" Itch: I’ve been having the urge to get a premium card, but most of them seem heavily focused on fine dining and travel lounge access neither of which is a priority for me right now.

My Questions for You:

1. Missing out on UPI: My UPI spends have been increasing lately, and I’m clearly missing out on rewards there. What are my best options to bridge this gap?
2. Simplification: Is there truly an "all-in-one" card that can handle almost everything well, or is the multi-card strategy just the reality of maximizing returns?
3. Premium Cards: Any thoughts on premium cards that actually prioritize rewards for general online/offline spending rather than just travel/dining?
4. AXIS Privilege or Select Card: I have an approved option for Privilege Standard and Amex variants, these two cards and also the "SELECT" card, although the Privilege card is not LTF, only joining fee is waved off. Are any of these a good option? Should I considert the privilege card if offered as LTF? if yes then AMEX or standard?

I’d appreciate any thoughts on whether my current stack is balanced or if I’m overcomplicating things. Thanks in advance!

Mujhe HDFC Swiggy Credit Card January 2025 mein mila tha ek bahut hi low limit ke saath—sirf ₹15,000.

Uske baad September 2025 mein bank ne meri limit double karke ₹30,000 kar di thi. Abhi firse ek limit enhancement ka offer aaya hai, lekin limit sirf ₹30k se badhkar ₹34k ho rahi hai.

1.Mujhe samajh nahi aa raha ki itne chote upgrade (sirf 4k) ko accept karun ya wait karun?

2.Kya isse accept karne se future mein bade limit enhancement ke chances kam ho jayenge?

3.Kya HDFC aage jaakar koi bada jump (like 50k-1L) de sakta hai agar main isse skip karun?

4. Ya fir HDFC mein jo mil raha hai chup-chap le lena chahiye?

Got scammed into getting this sbi simply save card last year.

I thought I was getting the cashback card.

I complained to nodal officer, thanks to a gentleman from this sub & those scamsters were crying in a week to withdraw my complaint.

I kept the card to establish a relationship with SBI & get the cashback card.

Got the cashback card approved last year with 100k limit & then application rejected at the last step.

Called to cancel simplysave but there were points on it. Cashed them, cooled down & thought why not try again after 6 months

Now cashback card is trash, applied for phonepe black, got 100k limit & cancelled last moment.

I'm a freelancer & the reason for cancellation was the diligence guy needs to see a board for my business at my door.

Are these guys living in the 80s? Board laga ke, paper mei ishtehaar deke kaam nahi hota aajkal ullu ke pattho

Cancel karte waqt call centre wala mujhe 15 min pakaya.

I told him cancel card, he told me he can't do it unless I hear his pitch.

I left my phone & went to another room for 5 min.

Apne papa ki fd bhi tod dunga is bank ki mai. These guys are some dense fks. Rant over!

I was really doubtful about this as it is recently launched, so I took the plunge on my HYD to DEL trip and had a lavish buffet far better than the lounge ones. Now it's the complete loop, use lounge at the airport and upon arrival use this.

Call the hotel in advance to check for the availability of buffet and offer liability. Once I arrived it was seamless, they scanned it and let me in. There is a good validity period too.

Attached the process to claim this at your arrival destination. There are other offer such as Spa, 750off on Uber, Room upgrades at premium hotels, will try them next time.

I am usually a 60k+ spender per quarter so the new rules are largely in my benefit.

HDFC swiggy card gave 1% cashback for amazon transaction but after refund deducted 5% cashback credits