r/CreditCardsIndia_

▲ 9 r/CreditCardsIndia_+1 crossposts

How to get 2% discount on bill payments via Flipkart Pay

Looks like Flipkart is finally competing directly with Amazon Pay Vouchers.

They’ve rolled out Flipkart Pay Gift Cards, which can actually be redeemed for utility bills and phone recharges.

Quick breakdown:

Bill Payments Supported: Unlike regular Flipkart gift cards (which only work for shopping), these Flipkart Pay vouchers show up as an eligible payment method on the Flipkart bill pay section.

Discount Available: Axis Bank’s Grab Deals (Woohoo) currently has them listed at 2% off: Axis Grab Deals Portal

Redemption Page: You can use them directly on the Flipkart Bill Payment Portal.

Do share your experience with in comments. Any other nice use case for Flipkart Pay?

u/Crafty-Leave-8880 — 3 days ago

dont know why HDFC sent 1500rs voucher

although it says towards card application but i have taken card 4 month back not applied for any other hdfc card

u/praveen_kurosagi — 3 days ago
▲ 58 r/CreditCardsIndia_+1 crossposts

Credit Cards with Highest Fuel Savings

Fuels expenses can add up to quite a lot and credit cards can offer decent savings.

I personally use the ICICI HPCL one but still not convinced with it.

Which is your choice for fuel expenses?

u/Exotic_Current8599 — 5 days ago

SBI Rewardz MediBuddy ₹10 Health Checkup — Is this legit?

I’m seeing these MediBuddy health checkup offers on SBI Rewardz:

Advance Health Checkup: 85 parameters — ₹1,299 shown, but payable ₹10

360-Degree Health Check-up: 81 parameters — ₹1,899 shown, but payable ₹10

Valid till 31/03/2027

Has anyone actually purchased these through SBI Rewardz?

If I pay ₹10, will I really get the complete health-checkup package mentioned (85/81 parameters), or are there any additional charges/conditions later?

Would appreciate it if someone who has already used this offer could confirm.

u/Salty_Ad_7567 — 3 days ago

Need help with a dilemma

31 enquiries, 6 cards, and now I’m trying to stop the madness 😭

₹27k/month | CIBIL 773

Current cards:

• Utkarsh ₹100 secured

• Slice ₹38k

• Roarbank ₹5k

• HDFC MoneyBack+ ₹48k

• Axis Flex ₹83k

• ICICI Coral ₹50k

Pending: BOB UniGold ₹30k, Swiggy HDFC (tentative ₹5k), RBL ShopRite (tentative ₹40k).

Recent AU/IDFC/Yes rejections + an application spree took me to 31 enquiries. Planning a strict 6–9 month credit detox.

Main questions:

• RBL ShopRite: Keep it for groceries, ask for LTF, or let it auto-cancel? Worth ₹590/year for capped cashback + redemption fees?

• HDFC: If Swiggy HDFC gets approved, should I close MoneyBack+ after 6 months or keep it for future Millennia/LE prospects?

• Does a ₹5k Swiggy HDFC limit affect HDFC’s overall limit sharing/LE?

• How long should I realistically wait before applying for anything again?

• Any other cards I should eventually target for groceries/UPI/utility spends?

Basically: how would you clean up this portfolio and play the next 6–12 months?

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u/No_Debate8158 — 4 days ago

Priority pass lounge access query

I have registered using axis atlas on priority pass app, my doubt is if I can take my partner to the lounge using this? or do they need separate card?

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u/batman_kanni — 5 days ago

SBI Cashback Card – Combined Limit / New

**Process Confusion**
I already have SBI credit cards with an existing combined/shared limit. I recently applied for the **SBI Cashback Card**.
During the application process, SBI communicated a credit-limit range of **₹40,000–₹10,00,000**, and this was also discussed with me over a verification call.
However, after the application, the new Cashback Card appears to be under the **same combined limit** as my existing SBI cards, meaning there seems to be **₹0 incremental limit** for the new card.

The application tracker currently shows **“Application Approval – Your Application is under policy check and verification.”**

Interestingly, the new card also shows a **limit enhancement option up to around ₹4.62 lakh**, but when I try to proceed, it gives a **“Regret”** response.

So I wanted to understand from people who have recently applied:
Is the combined limit shown at this stage **provisional**, since the application is still under policy check?
Or has the final credit-limit decision already been made?
If the new card gets ₹0 incremental limit, what is the purpose of the separate application/approval process?
Has anyone recently received an SBI card with a **separate/incremental limit** despite already having SBI cards?

I have already emailed SBI Card for clarification.
Would appreciate experiences from anyone who has gone through this **new combined-limit process** recently.

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u/IntelligentTill87 — 5 days ago

3rd sbi card CASHBACK instantly approved

i already have sbi reliance card and phonepe black this my 3rd card instantly approved and generated virtual card

u/praveen_kurosagi — 6 days ago

HDFC Credit Card Query

I have closed my Swiggy HDFC Card and Tata Neu Plus Card this month, so how much time I have to wait so that i can again apply for core HDFC card

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u/dranzerin — 5 days ago

How to get monthly 2,750 cashback from SBI on paying card bills!

SBI Rewardsz has a tier system, and it’s a quite beneficial for bill payments.

Tier Breakdown:

\* Elite: 2X multiplier
\* Affluent: 1.5X multiplier

Refer to second pic for details.

I’m elite and with the multiplier got 0.5% cashback.

This is in addition to the card rewards and super low effort.

Limit is 2,750 monthly.

u/Crafty-Leave-8880 — 7 days ago

Which is the best card for utility payments ? Have Electricity bills around 1L/month

I currently have phone pe black which caps at 15k/month
Tata neu infinity caped at 40k/month

Any suggestions please ?

I also have insurance payments of 1.5L/year spread across months

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u/akhanada — 6 days ago
▲ 240 r/CreditCardsIndia_+1 crossposts

Trick to convert Pluxee/Sodexo balance to Amazon Pay

If you have a decent amount of money on your Pluxee (formerly Sodexo) meal card and are tired of the usual food/grocery restrictions, there’s a workaround that has worked for me for converting the balance into Amazon Pay gift cards.

I've converted 50k worth of Pluxee funds already.

Details

Pluxee/Sodexo cards normally have restrictions that prevent them from being used for gift cards and other non-food purchases. However, there appears to be a brief delay in the way Zepto's payment system checks the card's eligibility during checkout.

How I did it

  1. On Zepto, search for Amazon Pay Physical Gift Card and add the required denomination to your cart.
  2. Proceed to checkout and choose Debit/Credit Card as the payment method.
  3. On the card-payment screen, enter the expiry date and CVV first.
  4. Enter your Pluxee/Sodexo card number afterwards.
  5. There can be a very brief window where the payment button becomes active before the card restriction is applied. If you are quick enough, the transaction may proceed to the next stage.
  6. If you immediately get a "Card Not Allowed" or similar error, you can try entering the card details again. I found that copying the card number beforehand and pasting it after entering the other details made the process easier.

Once the payment reaches the bank's authentication page, complete the transaction using the usual Pluxee OTP.

A few things to know

  • This works with the physical Amazon Pay gift cards.
  • This is a bug and it could stop working at any time.
  • I'd recommend trying a small denomination first rather than immediately attempting a large transaction.

Do share in the comments if its working for you. Also, just might work on Blinkit as well.

u/Crafty-Leave-8880 — 11 days ago
▲ 3 r/CreditCardsIndia_+1 crossposts

My EPM card limit revised from 20L to 20K

I just received a msg from icici telling me that my credit limit has been revised to 20k. Did this happen to anyone else?

u/Exotic_Current8599 — 7 days ago

₹3L hospital bill – HSBC Live+ vs Kiwi + best way to repay CC bill?

I have a roughly ₹3 lakh hospital bill (infertility treatment) coming up.

  1. HSBC Live+ – 1.5% unlimited cashback on eligible spends. Apart from the cashback, are there any additional benefits/offers that make it better for a large hospital payment?

  2. Kiwi – 2% unlimited cashback. Is Kiwi clearly better for this transaction, assuming the hospital accepts both?

Also, after paying the credit card bill, what’s the best way to repay it for additional rewards/cashback?

Any debit card/UPI/account combination that gives cashback for credit-card bill payments?

Looking for the most efficient way to do the ₹3L payment.

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u/Acrobatic-Shop4602 — 9 days ago
▲ 23 r/CreditCardsIndia_+1 crossposts

Trick to book Air India flights cheaper!

Sharing a quick booking method I tested recently for Air India flights that can save you some money on your next trip.

It turns out you can bypass convenience fees and sometimes secure cheaper base fares by booking through their official chat system.

The Method: Book via WhatsApp

Air India has an official verified WhatsApp chatbot at +91 9667034444. Booking directly through this channel waives the convenience fee and occasionally offers exclusive chatbot-only discounted fares.

Here is how the pricing compared for a recent booking for 2 adults:

  • Website/App Price: ₹17,500
  • WhatsApp Chatbot Price: ₹16,542
  • Total Savings: ₹958 instantly for the exact same flight.

How to do it:

  1. Send a message to the Air India chatbot on WhatsApp.
  2. Follow the automated prompts to search for your route and date.
  3. Compare the total fare with the main website.
  4. Complete the booking securely through the chat link if the price is lower.

It takes less than two minutes to check and is worth a look before paying full price on the website.

Do check it out and share in comments if it works for you.

u/Crafty-Leave-8880 — 14 days ago

So I have sbi flipkart card tht I got from Myntra and I want to access 8th aug sale early

So as I said I have card and I want to access it early but is there any way to know if ur card is connected to this flipkart account or how to access this sale early with ur flipkart sbi card..

u/IndependenceOk5425 — 14 days ago