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2025

TF Legend From India
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  • 2
    Regarding PNB RSDC Today's update:

    2

    Post in thread 'Rupay Select Debit Card (RSDC) Features and Benefits - Latest update (FY 2025-26) & Future Uncertainties - Discussion'

    As said before, banks have started devaluation / reevaluation their RSDC cards.
    For example, see how PNB has changed.

    Even though many threads exist on the same topic, those threads and posts are confusing. Hence, I created my own post so you can see the summary of changes.
    Note to Mods: Please don't touch this post or delete it. Information here is more precise than elsewhere.


    NameImageEligibility & Charges
    NEO 1744877709197.webp Eligibility: Salaried Individual, drawing a Monthly Gross Salary Above...
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    2
    2025
    @Saral all RSDCs are free for salary account in many banks including PNB.
    Saral
    Saral
    in your POST it was showing 600 joining fee and 900 AMC for IMPERIAL /ELITE EXECUTIVE account for PNB
    2
    2025
    Charges remain same. But it won't apply for salary account. This waiver probably applies for single card only. Any additional card will possibly have charges. I am not 100% sure on this, but that's the usual rule of salary accounts of PSUs unless otherwise specified.
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    2
    Check the validity of the RSDC Lakme Salon Voucher here: https://www.woohoo.in/balenq
    I have verified it personally, and this link is working.
    This link was initially shared by @ankurjpr

    Rupay email/t&c specifies validity of one month only from the issue date. However, the usual validity mentioned in the link is 10-12 months.
    Has anyone used the voucher after one month?
    Please update. Thanks.
    2
    Interesting! Interesting! Nifty again @22,000. [for reference, previous top was 26,277]
    NIFTY! SENSEX! Global Markets! Tariff Wars! Human Psychology!
    People are starting to worry about the market moves yet another time.

    I wrote something here for starters....
    https://www.technofino.in/community/profile-posts/6443/

    No pain, no gain! That's the key to success in the Stock market.
    Indian markets will behave like strong ones, but due to the F&O front loading, they can also be the most fragile during the critical times.

    Managing finances, particularly investments, requires both knowledge and skill.
    Even if you have both knowledge & skill, you still can be wiped out by market psychology.
    2
    New Poll: Best among the best credit cards. (Most desirable credit cards)

    2

    Thread 'TF Member Statistics: Top 10 most desirable credit cards (2025)'

    Friends,

    Let's vote to find the most desirable top 5 / 10 credit cards in India (2025). Try to create the best combination. You can comment on the best 3-8 combinations.

    Don't just look at the benefits they offer, but also keep in mind the annual fees and the terms and conditions that must be fulfilled to obtain those cards. Only vote for those cards you want to hold in the current situation.

    I may have personal bias, but I picked the cards based on previous responses and details available in some previous threads, and based on their eligibility and availability for common...
    • 2025
    • best credit card cards credit card combination credit cards my choice statistics top10 top5
    • Replies: 6
    • Forum: Credit Card - General
    2
    Is there any app for Indusind credit card only customers?

    Like we have for ICICI, IDFC, Axis, HDFC, SBI.
    Strange
    Strange
    Nope. Use cardshub PWA.
    • Like
    Reactions: 2025
    me_sovon
    me_sovon
    @Strange benifits of cards hub? I mean any extra feature which is not available on their mobile banking app?
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    fradela
    fradela
    I think except SBI, other banks have same app. correct? I have only credit card relationship with Indusind and use their app.
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    2
    2
    Today, I submitted two CC applications. Both are vKyc done and awaiting approval/ rejection messages.

    I just applied for Yes Bank LTF Elite+ (visa/MC) plus LTF Rupay (virtual) a few minutes ago. I just finished vKyc. (No docs were asked.) The CC application process took a total of 20 minutes.
    I'm Taking Badla of GF. By the way, GF activated my neon annual subscription without the card. I deleted the app in anger. I don't need their 5%.

    The Indusind CC Application of Legend LTF took 45 minutes to complete (including 25 minutes waiting for vKyc). On the spot, it offered me the second-highest Credit limit (out of the 12 cards I already have)

    My sole objective at the moment is to get some PLCC offers and reduce my CC limit utilization.

    cc @Anupama_Jha & Others interested.

    Update: Got Indusind Card Number on 31st March 2025. Within two days (1st working day after application). Yes CC got rejected. Received email on April Fool day. Maybe because of back to back application. They didn't mention any specific reason.
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    2
    2025
    @Strange thanks for the clarification. I am deleting those pics and messages as they might mislead people. Sorry.
    R
    rimtesh
    Why didn't you apply for the tiger card ? It's also showing ltf to me
    2
    2025
    @rimtesh that's also good card. Infact that was my 1st choice but it's Co-branded. I wanted a core card first. Legend has a higher eligibility criteria. Will take tiger/ ezydinner later if needed. I am not sure about if I take tiger first then I would get legend or higher variant core card. Hence I attempted to get legend only.
    2
    Which banks are currently (March, 2025) offering CC for NTB customers without documents / address verification based on cibil record basis?
    1. IDFC
    2. Indusind

    Based on input in the comments section...
    3. SBI (input)
    4. ICICI
    5. Yes
    6. Axis (?)
    7. ?
    2
    @TechnoFino Its good that you have a feature to ignore some members.
    Is there a way I can block a member (and/or guests) to view my contents (i.e., the post I share).

    Because my ignore list is increasing and I don't want to share anything for those I am ignoring. Please let me know if that option is available. Many senior members have already stopped sharing valuable information and updates.
    2
    SBI Card is offering a conversion of card network from Amex/MC/Visa/Others to Rupay (subject to availability of offers), and upgrades are also possible on call.
    I don't think this is new information. I'm still sharing it because if you are interested, try it out.
    I tried. I got a fee waiver, so I postponed conversion for the time being.
    2
    One quick question. (Resolved)
    If I apply and use one person's referral code for Kiwi Yes CC, can that person know the applicant's identity (me)?
    I want secrecy (personal choice).
    Note: Please don't share your referral code. I have enough from close circles.

    Edit: Got answer. Only the name will be visible. Nothing else.
    2
    OneCard (BoB) credit card limit increased (received after one year two months). +26%
    1000029672.webp
    2
    For those patiently waiting for the Kotak 811 Super DC January cashback issue.
    Here are some critical updates. I got the call in the morning. Please take a look at this and the following posts by other members.
    https://www.technofino.in/community/threads/kotak-bank-811-super-savings-account-benefits-important-update-🚨-🚨.31516/post-976183

    They told me there was an internal fight. My proofs and logical arguments, particularly the email attachment of 17th January (eligibility of utilities), contributed a lot to winning on behalf of other genuine users and for those who have a sense within the banks.

    Hence, the decision-making authority accepts the mistake and will credit the cashback, possibly in a few days in April, due to an accounting problem. The maximum deadline is 30 April. They will follow up with an email with the promise in written form to make my case smother for RBI if those "so-called" higher authorities backtrack again.
    Cheers!
    2
    There is a post, new re-discovery, badly wanted to post here. But refraining. Don't ask me about what. Please.

    Hint: I now feel I have to accept my mistake with utmost humility.

    Need more hint: check recent active threads or all posts I have quoted recently. U may get some excitement. That may not last long.

    Edit: The discovery may not be useful for most of us but still valid. I am sorry. It was my misjudgement.
    2
    Hey guys, this guy @blaze got credit card bill payment option in February in airtel app and even he is justifying that. He has infact posted a message that he got cashback for that.

    Guys, it's not my word, I have chalanged his claim, and he feels I am wrong, do you? Please enlighten.

    Is he deserve a green salute? Or the red one?
    Link: https://www.technofino.in/community...n-rbl-enterprise-debit-card.34352/post-974247
    ------
    Edit: He deserves a green salute because he able to give sufficient proof. So I will give him positive rating. He was correct in his comments. My judgement was wrong. I am sorry.
    Beyond
    Beyond
    A yellow salute, let it go 🙂
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    Reactions: 2025
    Credit_Cards
    Credit_Cards
    Jaane do bhai, attention seeker ko attention nahi dete
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    Reactions: 2025
    Mr. Bean
    Mr. BeanMr. Bean is verified member.
    If suspicious, you may flag / report such post/s, so that mods can take any action and/or warn the member if needed.
    • Hehe
    Reactions: 2025
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