Rejected for apay card on December 2025. When can I reapply for reasonable chance of getting?

Current situation:

CIBIL 764

1 secured credit card from January 2026

No default or late payment with utilisation always below 30 percent

Govt salary 1.2 L +

Amazon prime x 1 yr and full kyc done on May.

Looks like Zepto has indeed fixed the loophole as I can see a 1.5% cashback credited for the same in my current month statement. It could be that or my grocery and food spends got 1.5% which is highly unlikely. Anyways, I will be call up the customer care tomorrow and doing multiple follow-ups to indirectly understand the reason 😅

I will reply on the post's comments if I get more details for now just hold back on any GC purchases from Zepto.

Btw I was using HSBC Live+ credit card to purchase GC on Zepto.

My father is opposed to credit cards and I want one but the problem with the high interest dissuade my father and me as well.

Hi everyone,

I'm 23F and recently started working. My monthly in-hand salary is around ₹1.5 lakh, and I'm planning to restructure my finances by opening two bank accounts:

• Salary Account – Salary gets credited here, SIPs auto-debit from here, and I transfer money home.
• Spending Account – Every month I'll transfer a fixed amount here for all my expenses (UPI, credit card bill, etc.) so I can better track my spending and avoid dipping into my investments.

Monthly cash flow

• Salary: ~₹1.5L
• Money sent home: ₹30k
• SIPs (auto-debit): ₹60k
• Remaining (~₹60k): Rent + groceries + shopping + lifestyle expenses

Approximate annual spending

• Flights: ₹50,000
• Hotel Bookings: ₹150,000
• Groceries (Blinkit/BigBasket/Instamart, etc.): ₹84,000
• Dining + Swiggy/Zomato: ₹80,000
• Shopping (UNIQLO, Levi's, ONLY, Pepe Jeans, etc.): ₹60,000
• Uber/Ola: ₹18,000

What I'm looking for in a credit card

• Low or ideally zero annual fee (or easily waived)
• Good airport lounge access (guest access would be a bonus)
• Strong rewards on flight bookings
• Good cashback/rewards on Amazon, Blinkit, Swiggy, Zomato, BigBasket, Instamart, etc.
• Decent rewards on clothing brands
• Good rewards on Uber/Ola
• Easy approval with my salary profile

I don't mind using 2 credit cards if that gives significantly better returns than trying to use a single card.

Current plan

After doing some research, I'm thinking of:

• HDFC Salary Account
• IDFC FIRST Savings Account for daily spending
• HDFC Regalia Gold as my primary card
• HSBC Live+ for groceries and dining

Does this sound like the best setup, or is there a better combination?

Some questions:

1. Would you recommend a different salary bank?
2. Is Regalia Gold still the best option for my spending pattern, or would something like Axis Atlas, SBI Cashback, Amex MRCC, ICICI Emeralde/HPCL, etc. be better?
3. Is HSBC Live+ still the best grocery/dining card, or are there better alternatives now?
4. Should I prioritize cashback or travel rewards considering I spend only ~₹50k/year on flights?
5. Are there any hidden drawbacks with this setup that I'm missing?

Looking forward to your suggestions. Thanks!

Hi everyone,

I recently received an SBI Elite Credit Card (Lifetime Free) through SBI's college program. It's a brand-new card (only 5 days old) with a ₹75,000 credit limit.

I'm planning to buy a laptop on Amazon.

Details:

Laptop price: ₹89,990

After Amazon + SBI offer, I'm getting around ₹10,000 off, so I really don't want to miss the deal.

6-month No Cost EMI

Amazon shows the following message:

"Your card limit will be temporarily utilized for ₹79,238.51."

So even though my monthly EMI is only around ₹13,000, Amazon/SBI will temporarily block ₹79,238.51, which is about ₹4,238 above my ₹75k credit limit.

In the SBI Card app, I found the Over-limit Transactions option. It says SBI may allow transactions up to 50% above the credit limit, but it also says the transaction may be subject to an over-limit fee. It doesn't mention how much the fee is.

My questions:

1. Has anyone used the over-limit facility on an SBI Elite card for an Amazon EMI purchase?

2. Was the transaction approved?

3. How much was the over-limit fee (if any)?

4. Is it a one-time fee, or does it affect the EMI/interest?

5. Since my card is only 5 days old, is there a high chance the transaction will simply be declined despite enabling over-limit?

I'm only exceeding my limit by about ₹4,238 (around 5.6%), and I don't want to lose a ₹10k discount if this can be handled safely.

Any experiences or suggestions would be greatly appreciated.

Starting my first job. What's the best bank i should look for creating a salary account in. Does it matter?

I have flipkart axis, axis select and sbi elite as credit cards.

I received a call yesterday saying I was pre approved for an LTF SBI SimplyClick card. Since I do not have any card from SBI, I was interested in it and double checked with them if it was really LTF and they told me it was. So I went ahead and completed the application process. Then the agent said that I would receive a call from the bank and they are going to mention the annual fees and I should accept it and that later she would remove those charges and process the card. I am yet to receive the call.

Am I cooked?

Currently I am working as an I*S officer and I have my salary account with SBI. I obviously don't want to play around with a lot of different credit cards and want suggestions for a single credit card that covers most bases. My current gross salary is 1 lpm.

Hi, Which credit cards can I get lifetime free with 7+ lakh credited monthly salary (overall 3.5 crore annually including stocks)? I have 60 lakhs+ in FD. Being IIT Delhi graduate, I already have LTF diners black (got it when hdfc had offer for IITs). Diners black is not good for international transactions. Thanks!

I have been using my father's old Airtel SIM card for the past six years because he no longer needed it. Before I started using it, the number was linked to several of his financial products, including credit cards and an ICICI Bank account. Over time, all of those credit card accounts were closed, and only the ICICI savings account remained active. I still use that account occasionally as an extra bank account.

Over the last six years, this phone number has essentially become my primary number. Everything is linked to it—my SBI bank account, Groww account, email addresses, Instagram, and almost every other important account I use.

I am 21 years old and have recently started learning about CIBIL scores. Since I have never taken a loan or credit card, I expected to have little or no credit history. However, when I checked my CIBIL score through the PhonePe app, it showed a score of around 400.

I know that my father's CIBIL score is poor because our family faced financial difficulties a few years ago, and his credit score never recovered. Since this SIM card is still officially registered in my father's name, I am worried that PhonePe might be showing his CIBIL score instead of mine.

I want to build a good credit history for myself and don't want my father's past financial decisions to affect my financial profile. Is it possible to transfer the ownership of this Airtel SIM card to my name? If yes, what is the process? Also, how can I confirm whether the CIBIL score I am seeing actually belongs to me or to my father, and what steps should I take to ensure my own credit history remains separate?

I have missed the milestone benefit for the HDFC diners as I am unaware of settlement date. I was short of 15k for 4 lakhs quarterly spend and did transaction on 30th but the transaction only settled on 1st and reflected in the next quarter milestone .

So in summary I am unaware of the settlement date and missed 10k reward points. Wanted to share this experience as this might help others. Plan the quarter spending 2 days prior to end of the quarter.

Hi…i opened my axis burgundy 5 months back for the sole reason of getting magnus burgundy and have also allocated the said 5,00,000 rs in the account initially. I have also given them my ITR and all the account statement for the eligibility criteria. But so far i have only received my basic axis select card and no updates on my magnus. They keep telling there is something wrong with my ITR and statement, but earnings under my name are well above the required limits. I have not used my of my select card and am waiting on the magnus to start spending. Is this something related to my specific axis branch or is the problem with me. Is there any other requirements for magnus burgundy that im unaware of. Please help. Thanks