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2

2025

TF Ace From India
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  • 2
    Just finished reading a few threads on IDFC CC. Almost everyday are soo negetive on IDFC CCs these days yet all are happy with IDFC DCs.

    After taking my 1st IDFC card the feel I am getting from my inner self is like as if I did some crime. :flushed-face:

    First time I took a card without even knowing what does it offer. Because my purpose was different. Hey God please be on my side.

    For others to make it into perspective: I never applied for any Amex cards, and I chose to apply IDFC before Amex.
    2
    I am astonished by the speed at which IDFC approves and delivers credit cards.

    I thought about applying for an IDFC credit card today after 5 PM, and now, before 6 PM, I have the last four digits of the card number. (Hope they actually give the same limit as what they displayed during the application process)

    I have no prior banking relationship with them (though I had an IDFC fast tag earlier). It's too good. IDFC - 100, Critics - 0.
    • Haha
    • Like
    Reactions: Strange, shu_sha, brightknight and 1 other person
    View previous comments…
    Beyond
    Beyond
    Well, after devaluation their credit card does not hold any value. Hence wider road less traffic 🙂
    All hate comes from past experiences, their CS is one of the most non-cooperative ones
    • Hehe
    Reactions: 2025
    2
    2025
    @sparkit :hugging-face::pleading-face::unamused-face::zipper-mouth-face: Main jhut nehi bolta. Mere ware mein kisi ko kuch nehi pata.
    It's not C2C. It's online. I got offers of Ashva, Mayura, Power+, Select, etc. I chose select (without paying 199 for an additional Rupay UPI card).
    When asked if I had a CC, I gave the reference of HDFC (though the HDFC limit is the second lowest among all the cards I hold) and displayed a limit of about 1.5x of that limit. Hope this helps.

    @Beyond I just need loan offer at a lower interest rate. That's all. Otherwise, I am almost saturated with my needs.
    Anupama_Jha
    Anupama_Jha
    That's even sparkling than my apay approval. Happy for u💃🏻🕺🏻
    • Hehe
    Reactions: 2025
    2
    View previous comments…
    Anupama_Jha
    Anupama_Jha
    @2025 bro u sounds purely from hindi belt. Is it?
    • Haha
    Reactions: shu_sha
    Exewhyzee
    Exewhyzee
    He sounds like Arindom..mostly a Bengali, my guess.
    2
    2025
    (This is a funny message not for everyone)

    @Anupama_Jha I learnt my hindi from Hindi heartland only. Been there for few years. I feel more comfortable in Hindi.

    @Exewhyzee Arind0m?? ... Kya mera hindi itna bekar hay?
    (Ami bangla bhasha jani, sob bujhte pari. Bangla te likhteo pari. Mala marathi pon etey, ata tumhi he sagre decode kara. Tumhi help sathi kunhala pon vicharu sakta).

    Kuch aur language mein v likh sakta hun, paar us k liye google transletor ki help lagega.
    2
    • Like
    Reactions: Garry and Jeevan rao
    View previous comments…
    Anupama_Jha
    Anupama_Jha
    I received two similar offers last month.

    1. 4 trxns of min 250 each
    2. 2 trxns of min 500 each
    2
    2025
    @tharun
    Nothing special. Only using my millennia cc to fulfil these kind of offers. Only have one cc loan emi (about to end).
    My txn. in last three months:
    1. January 6*1000 agv for 500.
    2. February 6*500 agv for 500.
    3. March 6*500 agv (yet to buy) for 500.

    Receiving 5% reward points also as per card features. So technically, 13- 22% discount / return. Bill payment cashback addl.

    @Jeevan rao Now-a-days they don't send email, I usually get these offers in my mobile app (message box). Can confirm about the fulfillment in next month only. I know earlier they used to send such offers in email only.
    arthurmorgan
    arthurmorgan
    Will Tata neu work?
    2
    I hate liars. Kotak bank employees are institutionalising lying. Earlier, I never touched their stock, now I won't ever touch their products. Cheaters.
    Axis is much much much better than Kotak.
    -----
    (Edit for) Context: Kotal 811 Sucker Account January Cashback. It's not because of the cashback denial, but how their redressal desk deals with it to justify their unethical practices. I can't even log in to the Kotak app after I proved them how they are lying.
    ------
    They ask us, do we need help or not, but I feel they seriously need help. Don't believe? Check the live link (shared below) or attachment. They can easily do time travel in past or future as per their wish. They are super God. Their bank, their people, their rule.
    Link: https://www.kotak811.com/rewards-terms-and-conditions

    1000028931.webp
    • Sad
    Reactions: Aniket
    View previous comments…
    2
    2025
    @Anupama_Jha Utility txn (MCCs) and some other mcc codes not eligible for cashback. That's they have updated retrospectively from 1st Jan 2025. Their webpage updated it on 28th January, I have received email on same date (I.e., on 28th only). My txn date was 7th January in two different mcc 4900 and 4814. Even though their email received by me (specifically mentioning my CRN number) dated 17th January (and before) asking me to pay utility bills to get 500 cashback.

    For a fun, u can see in the screenshot they have prospectively updated t&c for 811 rewards. The date that yet to come... 5 months later. And they finally told me it's written in t&c while signing up for 811 account regarding reward they can do whatever they wish. If they want they can go in past, they can also go in future whichever time whatever they wish we cannot question them. Infact their t&c itself says they can even deny that own t&c if it suits them because web t&c s are sometime not the primary t&c.

    Aap hi batao ayse logo ko kea samjhau aur kayse samjhau. Inko samjhate samjhate main mera samajh kho Raha hun. So stopped.

    @Talkwithfino A thread is already there. So avoiding additional waste of my energy on this. Thanks for the suggestion.
    Aniket
    Aniket
    Either fight legally or close the account/don't do anything leave it as it's and remain in peace. ✌️

    They know nothing much gonna happen, that's why...
    • Like
    Reactions: 2025
    Tejo
    Tejo
    Guys, tweet in x by tagging "udaykotak"

    Saying
    1. future date
    2. Cashback for jan 25 (TnC should commence after 30 days from the update/notice as per RBI)
    3. Over spending on advertisement 🤣
    • Hehe
    Reactions: 2025
    2
    @TechnoFino @Subhankar @bhavyegoel

    Don't know why but my TF message counts and reaction score are getting reduced all of a sudden without any reason.

    For reference: in last few hours about 70 messages and about 90 reactions erased.

    Guys it's not about points. It's about our contribution getting erased.

    If my posts are getting vanished then what's the meaning of all my posts and time spent here. I might quit.
    --------
    Edit: Just came to know it's related to deletion of one of the most active thread in TF history with 120+ pages (120*20 = 2400+ posts by about 300+ members). It is more likely that 300+ good posts by 100+ members are also impacted by this decision.

    Information archiving (by closing further comments with a link to connected thread) in my view is a much better option to follow, if needed.

    Logically speaking, when a thread becomes too large (30+ pages) it becomes an asset, it's no longer two three members contribution, it's a collective contribution of many members. It is not owned by anyone either. Therefore, personal decision of two or three members is not enough in such cases. Synchronisation of information with time is also necessary.

    Hence, I oppose such action.

    @Rkr @Pavvan @BVC @vaibhav111
    @Vasuki @sidp @cardio_guy @Mr. Bean
    • Haha
    • Wow
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    Reactions: desiviru, 6ix9ine, Dreams Of Desire 💓 and 1 other person
    View previous comments…
    D
    desiviru
    Shaant mere bhai, shaant. Hum yaha contribution ke liye hai. My sole purpose of being here is contribution no matter whether my score increases or not. Truly speaking I rarely check it.

    Yaha se jaaney ka sochna bhi mat. Gaye toh bata ke jana ki kab aana hai waapas. 🤣
    Mr. Bean
    Mr. BeanMr. Bean is verified member.
    While I noticed some reactions count going down a bit as well, I don't think any "normal" mod has access to all the changelog. Only senior mods (or admin/s) can help here.

    That said, this kind of deletion happens with almost every forum that I have even been part of (either on the front end or the backend) in the past 25+ years, particularly any active forum. A common scenario is when we switch the forum software which is not the case here.

    I'd suggest the admins to consider recognizing some people like "RAMESH BABU N" ji for their valuable contribution (like how sjmajumder was given "RBIO King" trophy, even though I'd have preferred a gender-neutral word) . In this way, when some content is deleted they don't feel any bad.
    2
    2025
    Update: My posts and points are back. So as the thread under debate.
    Thank you guys for your reply on this sensitive issue and understanding it on its core.
    By the way, some of my very good TF friends had an opposite view on this issue.
    • Like
    Reactions: Vasuki
    2
    The only secret that remains a secret is about which u never knew it existed. (Philosophical)
    2
    Setu Came Back.

    But, with additional luggege. ("Retail CC" becomes "Inf*Canara Bank".
    5311 (Departmental Store) >>> 6012 (Payments for debt repayments)
    2
    Guys, I have discovered the asli Panauti for all these cc bill payment dramas. It's Kotak 811 Super DC.

    1. Used Kotak 811 Super in Airtel Thanks in December - Airtel removed the DC option in January.
    2. Used Kotak 811 Super in SBI Unipay in January - Unipay closed the door in January for non-SBI DC.
    3. Used Kotak 811 Super in Canara Setu in February - Now Setu started giving problems for non-Rupay cards in February.

    Sabkuch close karwa k wo khud sadhu ban raha hai.

    If you have any secrets, don't try to deploy Kotak 811 Super there. It will vanish before you get the cashback.
    (I am also wondering if it's me using the Panauti card on those sites that caused the damage.) By the way, I have been using Airtel Thanks for a long time, so me being Panauti is ruled out.)
    2
    Closing this poll today afternoon.
    In case if you missed it.

    Please don't ask how these cards works, where to use etc. I don't know. (Take this as a reference to know where you stand)

    2

    Thread 'TF Statistics - Most Rewarding Debit Card(s) for Bill Payments in India'

    Hi Friends,

    This thread was about conducting a quick poll on the most rewarding debit card(s) in India that we TF members have to cater to our bill payment needs.

    This will help us resolve specific queries about these cards and accounts.

    This poll only includes debit cards that offer at least 0.9% cashback (in February 2024).

    This will provide comprehensive data on how we are evolving with changing times.

    Voting has Ended. The results have been declared. The results are available only to those who voted.

    I want banks to compete the way we want, not the way they want.
    • Hehe
    • Like

    (Best suggestion from my side at the moment is GO WITH RUPAY, get one, if u don't have)
    2
    Grand Poll: Most Rewarding Debit Card for CC Bill Payment (A Comparison of Popularity and Access)

    Please cast your valuable Vote. (Restricted access) (Closing soon)

    2

    Thread 'TF Statistics - Most Rewarding Debit Card(s) for Bill Payments in India'

    Hi Friends,

    This thread was about conducting a quick poll on the most rewarding debit card(s) in India that we TF members have to cater to our bill payment needs.

    This will help us resolve specific queries about these cards and accounts.

    This poll only includes debit cards that offer at least 0.9% cashback (in February 2024).

    This will provide comprehensive data on how we are evolving with changing times.

    Voting has Ended. The results have been declared. The results are available only to those who voted.

    I want banks to compete the way we want, not the way they want.
    • Hehe
    • Like
    2
    Some GOOGLY for experts.
    (1) Has anyone ever used the RBL / GyFTR IRCTC Gift Voucher?
    (2) Is the redemption process smooth?
    (3) How long are they valid at IRCTC?
    (4) What if I cancel the ticket later?
    (5) Where they would deposit the money after cancellation?
    (6) What would be the validity after cancellation?

    Have around 8500 (4250+4250) worth of vouchers. I am not selling it.
    Gravitas
    Gravitas
    Not selling 😜
    2
    2025
    Point 1, 2, 3 done.
    1. I have used today.
    2. Yup, redemption was smooth in irctc webpage, didn't work in their app.
    3. Six months, currently.

    About 4,5,6 will only update if situation arises. I have used voucher value as 80-98% of ticket price and paid remaining from CC to give them option to refund in my cc (if necessary).
    2
    It seems setu has found the HOLE. Now in process of reducing that hole.

    Hoping that they would be happy by making it smaller rather than plugging it altogether.

    Tough days ahead.
    2
    Request all active TF Members to participate in the Grand TF Member Statistics Poll.

    Choice of Bank(s) for CC: https://www.technofino.in/community/threads/tf-statistics-credit-card-issuing-banks.38087/
    Choice of Bank(s) for DC: https://www.technofino.in/community/threads/tf-statistics-debit-card-issuing-banks.38104/
    Choice of Bank(s) for Saving Account: https://www.technofino.in/community...k-accounts-with-most-customers-from-tf.38106/

    Most Popular CC (Bank wise)
    HDFC Bank - https://www.technofino.in/community...ics-most-popular-credit-card-hdfc-bank.38107/
    ICICI Bank - https://www.technofino.in/community...cs-most-popular-credit-card-icici-bank.38108/
    Axis Bank - https://www.technofino.in/community...ics-most-popular-credit-card-axis-bank.38111/

    If anyone is interested or working on a related poll set-up for other banks, etc., then please update here so that there won't be any overlap.
    2
    Is there any master poll to find the leading Credit Cards held by TF members?

    Anyone interested to take the lead to create one?
    2
    These are very tricky questions. I think only a few have the answer.

    Does anyone have an RBL Joint Savings Account? if yes,
    1. What is mentioned in the account holder's name in Mobile and net banking? Is it only the primary account holder's name or both holder's names? [ex. HDFC has both, RBL for me showing only the primary holder's name]
    2. What about the joint holder's contact details in IVR or Customer care? [I, being a Joint holder can transact but can't connect to IVR or raise a complaint]
    3. Is there any problem issuing DC for the joint holders? [for me, yet to be sorted]

    Note: I have an RBL joint account (Either or Survivor), but I am facing many problems. The bank has been working on it for 2+ months.
    View previous comments…
    K
    kev569
    1. Only Primary Holder's name. I opened a joint account recently and kept myself as a primary and only that is visible.
    2. For contact details, RM kept my phone number as primary number but haven't tried contacting IVR yet. (I think contacting IVR with primary phone number should work).
    3. Nope, while opening the account I requested for a specific DC and the RM & BM made it work. Received within 1-2 weeks of time.
    • Like
    Reactions: 2025
    2
    2025
    @kev569 it's weird. Same in my case. But as u can see above j_s responded it differently based on his observation. I am still following up on this issue.
    • Like
    Reactions: kev569
    K
    kev569
    No idea about the 1st one, because for me, the RM specifically asked who to keep primary holder. I have never opened a joint account before so no idea if that happens but still will check and see.
    And for the 3rd one, I have not yet requested for the 2nd card (for secondary account holder), but it's worth checking once to see the response from the bank on these queries.
    • Like
    Reactions: 2025
    2
    UCO Bank Virtual DC

    Does anyone know how to generate a virtual DC in UCO mBnking app after hotlisting previous virtual DC?
    I am trying since last two months with no success. PNO not even responding.

    Edit: Issue resolved by their ATM Cell.
    2
    Is there anyone in TF Community who is not affected by SBI Unipay DC removal?

    Khus toh bahot honge wo.
    View previous comments…
    dealminer
    dealminer
    shu_sha
    shu_sha
    @dealminer kinara pe chaddifasi ka chota bhai iddifasi chalega
    Mr. Bean
    Mr. BeanMr. Bean is verified member.
    mr bean GIF
    • Haha
    Reactions: 2025
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