r/CreditCardsIndia_

Do any self-employed people with income below 12 Lakh & got any HSBC Credit card?

heya so i have been using CC for 50 days now, cibil and experian scores were generated in very less time but crif and equifax scores have no data, are they equally important? and yes for what cards/category?

Hey everyone,

​Quick question for SBI account holders: Can we get OTPs delivered to our registered email for SBI debit card online transactions?

​I occasionally travel internationally/ lose cellular coverage and miss SMS OTPs.

​If its there, ​how do you enable it step-by-step in Net Banking/YONO?

​Would appreciate it if anyone using this feature could confirm. Thanks!

Hey everyone, I'm stuck in a mess with BOBCARD and could really use some advice.

I applied for the BOB Eterna card on 25 Aug through a sales executive. The only reason I went ahead is that he told me, multiple times, that it was lifetime free. When I applied, the BOBCARD offer page showed it as LTF too, as a limited-period offer.

After the card was approved, I wanted something in writing, so I started asking him on WhatsApp. He kept confirming:

• 1 Sep: I asked if it would be lifetime free or just first-year free. He replied "LTF".
• 18 and 19 Sep: "LTF hai", and "offer time pe kiya hua hai".
• He even sent me a screenshot of the offer page with the joining and annual fees struck off and a "Lifetime Free (limited period offer)" stamp.
• 21 Sep: he told me that when my application was logged on 25 Aug, it was LTF.

In the meantime I emailed BOBCARD's CRM and escalation addresses several times and got ticket numbers. Their only real reply, on 17 Sep, said the card is issued on a "Normal Fee Plan" and joining/annual fees apply as per the MITC. It didn't address my mis-selling complaint at all. My emails on 18 and 21 Sep got no reply. Customer care didn't pick up my calls for weeks, and when someone finally did today, they confirmed it's a normal plan.

This card is useless to me if it isn't lifetime free, and I'm not in a position to pay fees on something I only took because it was free.

Here's what I've done so far:

• I sent a formal complaint email with everything attached: WhatsApp screenshots, email threads, ticket numbers. I asked them to either convert the card to LTF or close it with zero charges, and to compensate me for the time I've lost.
• I gave them until 8 Oct to respond in writing. If they don't, I'll file a complaint with the RBI Ombudsman on 9 Oct.

My questions:

1. Did I handle this the right way, or should I be doing something else, like going to the nodal officer, filing a consumer complaint, or posting on social media?
2. All my proof of the LTF promise is on WhatsApp: the rep's own messages and the offer screenshot he sent me. Will that be taken as valid evidence, or can they just say the rep had no authority to promise this?
3. I have already activated the card. Is there anything I should or shouldn't do before this is resolved, like try closing it because joining fees levied?

Has anyone been through this with BOBCARD or the Ombudsman? How long did it take, and did it work out for you? Any advice is appreciated.

Hey,

I have Travel One, Regalia Gold, Atlas and Scapia. But I'm looking for a card that can help me earn points on my international and forex spend. Have around 5 lakh INR spend coming up in Japan.

Can you please suggest card alternatives I should consider getting before my trip?

CIBIL: 790

Monthly Income: 2.3 Lakh post tax

Hi, I am looking to purchase Rs 3L bike.

Would like to know which credit card should I use to get maximum benefit( can be travel/any other) for this purchase.

Currently I have HDFC diner privilege and HDFC swiggy cashback cards. I am looking to get a new card which can provide me maximum benefit for bike purchase.

TIA.

I recently booked a few tickets worth 10k using PhonePe SBI CC and got 1k RP. Now if i redeem it to cash against the statement and later if I cancel the train tickets, what's gonna happen? Do they make the RP negative?

Any way to buy amazon pay voucher’s and get 10% returns without using premium credit cards. One thing I read online is buying physical amazon vouchers from Zepto and paying with HSBC live+ . But has anyone actually got it, there is no transaction wise points tracking in live+ plus dont know if it actual works.

Any other methods please let me know.

I want to upgrade my millenia to regalia gold my RM gas sent me a form to courier to hdfc chennai, is there any other way to do it ?

I have tried mailing to customer care but they don't reply back

Been using the SBI PhonePe Select CC and have been getting the expected cashback on my transactions:

● 1% on regular UPI transactions
● 5% on Zepto/Zomato
● 10% on eligible recharges through PhonePe

Recently, I renewed my insurance through Policybazaar. The payment was redirected to PhonePe, and I completed the payment using my SBI PhonePe Select CC.
In unbilled transactions it is visible as “UPI-PolicyBazaar InsuraBrokers Private L”.

However, I didn’t receive any cashback on this transaction.
What’s confusing is that I’ve seen someone else mention that they received 1% cashback on a Policybazaar insurance payment.

Has anyone recently paid an insurance premium on Policybazaar using the SBI PhonePe Select CC and received cashback?