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2025

TF Legend From India
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  • 2
    It's personal.
    Someone, rated me with this. I wanted to highlight such ratings in my profile page for wider publicity.

    Offcourse I was kind enough to respond those who prefers poking and instigating me unnecessarily.

    1000031750.webp
    • Wow
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    Reactions: Ak Singh, its_karan, hitirfan and 3 others
    View previous comments…
    D
    Dragon_slayer
    Ignore the ratings, one guy rated my account as ZERO, for literally joking with someone. That guy is a mod on TF now. Don't pay attention to these.
    6ix9ine
    6ix9ine
    Mai pehle hi bola tha, mast banda hai @Arkapal Sen, misunderstanding hi thi pehle bhi, hope things gets sorted soon.
    • Hehe
    Reactions: 2025
    2
    2025
    @Dragon_slayer That guy is my very good friend by the way. I must accept he is closer to me than you at this point. But, I got your point.

    I usually restrict my panga with mods within DM only. Usually avoid such things in public, as much as I can. About 60% mods are my friends. I like them.
    2
    Que. IDFC DC is devalued? Is it not giving points for __ anymore?
    Ans. Not sure. It could be a warning or a work in progress.

    I believe unrealistic CC bill payment rewards will not survive unless TF moderators move the surviving ones to private/ members-only perks. Everyone, particularly our commander(s), needs to realize this. I know I am being selfish here.

    Ref: See here.
    @coolguy1 Most likely freecharge option is also gone for IDFC First tap. Made 2 payment just now and both got categorized as Loan EMI. Merchant name is Freechargepaymenttechnmumbai.

    @vipin89 I have also not received instant reward points on payments done on FreeCharge via IDFC First Tap Debit card. The merchant name is FREECHUTIL.

    @supperman I had FreechargePaymentTechno, didn't receive instant points. Transaction showing as Others...
    Click to expand...

    @abhimittal007 Well, just completed a transaction in freecharge for 2000. merchant was freechutil and points got credited instantly.
    Click to expand...
    @Dreamer I just did 4 transactions of 1 lac through the freecharge website. All went well. got points as well.
    Click to expand...

    @cardless ....Most people are now getting the updated merchant name which is not rewarding points

    @sourpai I did two transactions just now... Both got failed and money was deducted... happened for the fist time with me...
    Click to expand...
    • Like
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    Reactions: shu_sha_, Beyond and IKFLRT
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    Beyond
    Beyond
    @2025 I understand your views
    But why access protection is not there, even a TF buzz or Google Search crawl can find sensitive infos
    It's disservice to content poster, even now some members are keeping things to themselves for the fear of abuse
    • Hehe
    Reactions: 2025
    2
    2025
    @Beyond Let's founder take a call. Should I tag him? I am a bit confused this time about whether to tag him or not. It may appear to be an overreach from my side.
    • Haha
    Reactions: shu_sha_
    Beyond
    Beyond
    Veil of ignorance 🤐
    • Like
    Reactions: shu_sha_
    2
    Update (Issue Resolved): Apay was facing issues in sending gift card code. Your successful order was not able to generate a working gift card code/link around 12:30 am 25/04/2025.

    Now issue resolved. It's working again as usual. I have just redeemed previous order.
    2
    Excellent Thread. Everyone who saves card details on Amazon and Flipkart must have a look.

    C

    Thread 'How My Relative Was Tricked by a Fake Kisan Subsidy Scam (Full Story)'

    Today afternoon, I received an OTP for a ₹14,499 transaction on my HSBC credit card via Amazon.
    This raised an immediate red flag — I rarely use this card, and only one relative occasionally uses it for discounts. He isn’t educated and doesn’t read English.


    I called him right away and asked if he had requested an OTP.
    He said no — he was out ploughing the field and had been receiving nonstop messages from the bank. Alarmed, he started walking home to show his phone to someone who could understand them.


    Later, he did a video call with me and shared his screen. That’s when the full...
    • Wow
    • Like
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    Reactions: 6ix9ine, Pikachu., aniketkr.sharma and 4 others
    Half Human
    Half Human
    Everyone who saves card details, just make sure that call and sms forwarding are not active by dialling *#21# and checking the status. Can prevent this fraud.
    • Hehe
    Reactions: 2025
    2
    2025
    @Half Human One important point is... the scammer said he works in Amazon.
    C

    Post in thread 'How My Relative Was Tricked by a Fake Kisan Subsidy Scam (Full Story)'

    tearphones said:
    Just one thing to note: the name the scammers are creating these accounts in may be a victim himself; the scammers could be using his details to create accounts and order stuff, which they will then flip elsewhere.
    Click to expand...
    i called scammer few min ago from different number he said he working in amazon when i asked why are you scamming people he disconnected call and switch off mobile
    • Lovely
    ------
    My another concern is... zomato-amz etc. loopholes are just coincidences or targeted ones by these kind of scammers?

    I just want to make sure that any of my post is not benefitting to these scammers.
    2
    List of Visa Signature Cards working for TimesPrime

    1. OneCard
    2. Indusind Legend, Tiger, Ezydinner
    3. Axis Atlas, Privilege, Rewards, LIC, IndOil Premium, Signature
    4. HDFC Millennia, Regalia First
    5. IDFC Select
    6. ICICI Rubyx, Sapphiro, Adani One, MakeMyTrip, Emirates Skyward
    7. Kotak White, Privy League, Royale, Zen
    8. SBI Pulse
    9. HSBC Live+
    10. Federal Celesta, Scapia
    11. AU Vetta, Xcite
    12. BoB Premiere
    13. Yes Elite+

    Other most likely cards:
    SBI Prime, Etihad Guest,
    Axis Select,
    HDFC Business Regalia, TataNeu Infinity, Times Card, All Miles, Regalia, Visa signature, InterMiles Signature,
    ICICI Emeralde, Ferari Signature,


    List of Cards Not working ????
    1. Indian Bank - OneCard ??

    Please help me update the list further here:
    2

    Offer Fulfilled! Thread 'Free Times Prime Annual Membership/ Subscription using Visa Signature Credit Cards. April 2025, Step-by-Step Process Illustrated'

    Detailed step-by-step guide to activate annual TimesPrime membership for free!

    1745073068360.webp

    Hi all,
    This afternoon, I asked a question in this thread: Can someone guide me through the process of getting a free annual subscription to Timesprime Membership?

    Initially, I was criticised by some gentlemen when I asked to give some reference or something that could be useful for me or others looking for the same. Many of them were not even aware that the membership had started again and all the offers (particularly Hotstar 6 months) were getting refreshed.

    Then, one gentleman came...
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    2
    2025
    Many would not work if attempted to stack using same mobile number.
    Change in mobile number / account might work.
    Let others verify. Thanks.
    SnowLucifer
    SnowLucifer
    South Indian bank one card not working sadly
    • Sad
    Reactions: 2025
    Sup
    Sup
    I think it's time to close my indian bank onecard. I will keep the card to cut the onions though.😊
    • Haha
    Reactions: 2025
    2
    2
    My query thread for add-on credit cards that can co-exist in the primary cardholder's wallet or help build the add-on holder's credit score.

    2

    Thread 'Suggest me good add-on credit cards that can co-exist in the same wallet or help build the add-on holders' credit scores'

    Dear friends,
    I am looking to apply for some add-on credit cards for my wife, who resigned from her (good) government job six years ago.

    Which of the following credit cards has separate benefits for its add-on cards? I'm looking for ideas. Please note that if the benefits are shared and there is just an increase in the card number, then it has no real impact because we usually stay and travel together. Only I will be using both cards.

    This will also help others decide which banks to choose for add-on cards. Many would like to know about add-on credit cards that can co-exist...
    • 2025
    • add on card benefits add-on credit card best add on credit cards credit cards credit scores
    • Replies: 17
    • Forum: Suggest me a Credit Card
    • Like

    Enemies, please ignore.
    Friends, don't.
    2
    Anyone having BPCL SBI Rupay for upi and sbi card offers?

    Is it better than simplysave?

    Quick response please.
    View previous comments…
    2
    2025
    Just check and confirm me whether "most" or "all" upi transaction giving 0.16%.

    I know mcc, thanks to my idfc rupay cc that you earlier said good for nothing. Most of the regular ones are grocery 5411.

    If in case "all" then it must be that upi txn in SBI rupay cards do not yield preferred category benefits. In that case it will be 0.17% only.
    prankster
    prankster
    One more important fact is BPCL has only 50k for fee reversal criteria, whereas simplysave has 1L
    • Hehe
    Reactions: 2025
    2
    2025
    @Abhishek012
    Sir, Sbi simplysave rupay mein grocery (5411) upi mein kitna return milta hay thoda pata karke bataiye.

    Tweet mat kariyega. Viral ho jata hay.
    ------
    Edit: Sayed Rupay walo ne unke payment rok diya. Thik hain yaad rakhenge.
    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.
    • Like
    Reactions: Saral
    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?
    • Like
    Reactions: 2025
    fradela
    fradela
    I think except SBI, other banks have same app. correct? I have only credit card relationship with Indusind and use their app.
    • Like
    Reactions: 2025
    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.
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