r/CreditCardsIndia_

Which would be your top pick?

I was thinking of either of the SBI ones.

Finally Got upgraded From Legend to Tiger after they had denied Multiple time had to do it the Hard way

But hopefully Got it

ICICI Platinum is utterly useless.

No cashback. No rewards. No benefits.

Unless your first card - no logic for it.

Do you know a worse card than this?

All the Cards are LTF
Only AMEX, which is provided by my company and pays the fees.

Confused which card should i close?

Main usage is 3-4k Worth of Fuel,
4-5k Worth of Alcohol
10-12k for Restaurants
4-5k for Online Ordering food
4-5k for Zepto/Blinkit.

I Got A Text Saying My Account Has Been Barked Lien, And This 44000 Got Debited, My FD Locked Everything Gone

Now I Visited Branch, The Branch Manager Said He Cant Help Right Now As He Needs To Send Emails For Information

The Person Who Sent Me The Money Is Known To Me, He Is Ready To Provide KYC Documents And Account Statement

My Mother Has To Go Through An Open Heart Bypass Surgery With Blockages Over 90% In Each Arteries

I Mean I Already Dont Have The Money And Now I Had Some Money Saved To Atleast Start The Procedure And They Even Took It

Hey everyone,

Most of us with credit cards pay annual fees

but forget to use half the benefits. Lounge

visits expire. Cashback caps go unused.

Milestone bonuses get missed.

I built CardMaxx to fix this.

What it does:

→ Select your cards from 85 Indian cards

→ See all benefits in one dashboard

→ Know which card to swipe for dining, travel,

groceries, fuel, online shopping

→ Track which benefits you've used this month

→ Points calculator — know exact rupee value

of your points

Banks covered:

HDFC, Axis, Amex, SBI, ICICI, Kotak, HSBC,

IDFC First, IndusInd, RBL, Yes Bank

Built this solo in 7 days using vibe coding .

Still building — email reminders coming next.

Free to use: https://cardmaxx-zeta.vercel.app/

Two things I'd love feedback on:

1. Is the benefit data accurate for your cards?

2. What feature would make you use this daily?

I personally prefer the HDFC Swiggy one.

Which is your go to card?

I currently have:

- CIBIL score around 776

- Novio Credilio Secured Credit Card

- Slice card with ₹65k limit

- Recently approved RBL card with ₹45k limit

- Using Amazon Pay Later for 6 months

- Amazon Pay Later limit increased from ₹2k to ₹10k recently

- I use Amazon Now almost daily

I also got the Amazon Pay ICICI card banner in the Amazon app saying “Complete your application”.

I have heard that ICICI generally prefers users with 1 year+ credit history, and my credit history is over 1 year with no late payments or settlements.

However, I also had a few recent inquiries as well

Do you guys think I should apply for the Amazon Pay ICICI card right now or wait a few months for inquiries to age?

Would appreciate honest suggestions from people who got approved/rejected with similar profiles.

Great offer for anyone who's gotten /plans to get a Visa Card recently:

Voucher Values

The reward depends on your card variant:

• Visa Infinite: ₹750 Voucher
• Visa Signature: ₹500 Voucher
• Visa Rewards: ₹300 Voucher (Note: BIN 431581 is excluded)
• Visa Platinum: ₹250 Voucher

Compiled list of free cards which you can get for the offer:

• Visa Infinite
  • Scapia
  • IDFC FIRST Wealth
  • BOB Eterna
• Visa Signature
  • Equitas Selfe
  • IDFC FIRST Select
  • IndusInd Tiger
• Visa Platinum
  • IDFC FIRST Millennia
  • IDFC FIRST Classic
• Visa Rewards
  • SBI Cashback
  • BoB Cashback

Do comment if there are any other LTF cards applicable.

How to Qualify

1. Your card must be issued within the window (Feb 7 – Oct 31, 2026).
2. Complete one single transaction of at least ₹300.
3. Go to the official claim portal: https://visarewards.poshvine.com/
4. Enter your details and pick your voucher.

Voucher Options?

You can choose between the following:

• Amazon Pay (Essentially cash)
• Flipkart
• Swiggy / Zomato

Comment below once you've availed the offer along with the card used.

Join our Whatsapp Channel with 3,000+ members for more such offers: https://whatsapp.com/channel/0029VbBfB8n72WTq9gdDuW3J

Applied for SBI Card (PhonePe SBI Select Black) recently, completed digital KYC, and now I’ve received both SMS and email saying the card is approved and will be delivered within 7 working days. Even SBI IVR says the card is approved.

But the application tracking page still shows “application is being processed” / “an executive will contact you shortly.” I also can’t login to SBI Card app because it asks for card details which I don’t have yet, and the credit limit isn’t visible anywhere.

Has anyone else faced this delay between approval and card generation? How long did it take for your card details/virtual card/credit limit to appear after approval?

Applied for the SBI PhonePe Select Black card day before yesterday and completed the digital KYC on the same day itself.

After that, I got this message from SBI:

“Your application is being processed with tentative credit limit ranging between Rs. 80,000 and Rs. 1,00,000, subject to verification of your application.”

Then inside the SBI app/status page it says they may need additional information and that a representative will contact me shortly. But till now no calls or updates from SBI side.

For people who already got this card approved, how long did the whole process take after digital KYC? Just trying to understand if this delay is normal with SBI or not.

Any other important ones one must know?

Use the Vi App with your Kotak 811 Super Debit Card.

Do 5 transactions of ₹1,985 each.

₹1,985 × 5 = ₹9,925

Rewards:

* 5% cashback = ₹500 (monthly cap)

Charges:

* ~0.6% convenience fee = ₹59.55

Net profit:

₹500 - ₹59.55 = ₹440.45

Effective return:

₹440.45 on ₹9,925 = 4.44%

A simple way to earn ₹440+ on a credit card bill payment.

⚠️ Keep ₹10,000 funded in your Kotak 811 Super account to activate the cashback.

Also you can pay bills of 2000 Rs to get Rs 20 Cash back 3 times. Do upvote if you find this useful

for more credit card related hacks and tricks to join whatsapp channel https://whatsapp.com/channel/0029VbCOhoZJP214e6HU0Y3X

So I had this Axis Bank credit card that I no longer needed after getting several better ones.

I wrote an application to close it and followed up with a couple more since there was no online option. More than a year passed and nothing happened.

I came across this RBI circular on credit cards with new rules, including penalty of Rs500/day if bank fails to close a Credit Card within 7 days of request.

So I wrote another application and kept the receipt, waited for mandatory 30 days and escalated to RBI.

After 46 total days, the bank decided to close my credit card and pay Rs 23000 as compensation as per circular.

Do escalate and get compensation if your cancellation requests are pending.

I’m resharing this in case someone benefits. Has anyone else tried this?