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  1. jeevanraj

    Is Standard chartered Ultimate really worth ?

    Since Croma vouchers have been removed from their redemption portal, I think i'm not gonna renew my Ultimate card this year unless there are any other great redemption options.
  2. jeevanraj

    Standard Chartered Ultimate Devaluation

    Yes nothing is credited so far. I can see points for regular txns carried on 4th April but not for this one.
  3. jeevanraj

    Standard Chartered Ultimate Devaluation

    So I did a insurance transaction on 1st of April(a day before devaluation kicks in) but I don't see points being credited for the same. Will they consider the transaction date or settlement date to credit points in this case?
  4. jeevanraj

    Optimize credit card utilization

    I live in a Tier 2 city since start of the Pandemic. Not planning to move back to Tier 1 cities. So most of my grocery spending is at local Kirana stores. And for offline dining will have to again use Ultimate. No dineout/eazydiner at my place. Thanks. Yep these are the ones I got.
  5. jeevanraj

    Optimize credit card utilization

    No. I saw a thread written by you wrt HP pay app. In that case i'm guessing i might get 5.5% rewards with SC Ultimate. Not tested this yet. Actual returns would be 4.4% (3.3% + 1% cashback(HP pay). But I can save 1.18% on convenience fee if HP pay is used instead of swiping CC directly at the...
  6. jeevanraj

    Optimize credit card utilization

    I believe quite a few vouchers are available except amz and fk. Croma gv is the best bet. Applied online.
  7. jeevanraj

    Optimize credit card utilization

    Yes. I haven't redeemed MR points yet. Used 10K for annual waiver twice, that's it.
  8. jeevanraj

    Optimize credit card utilization

    For the last couple of years, I was able to reach the 1.9L milestone. Got the fee waived off for 5K points in both years. Most probably I don't see myself renewing the card for next year unless I can extract more value than DCB/Ultimate from AMEX.
  9. jeevanraj

    Optimize credit card utilization

    Hello everyone, I'm re-evaluating my credit card spending. Below is my credit card portfolio. Could you please help me to optimize my credit card usage so that I could get maximum return? Credit cards: - HDFC Diners Black - SC Ulitmate - SBI Cashback - Amazon ICICI - FK Axis - AMEX Platinum...
  10. jeevanraj

    HP Pay App - Wallet Load

    If this works, SC Ultimate might give 5.5%. 3.3% regular reward + 4points per Rs 100 (1%) + No fuel surcharge (1.18%) = 5.48%
  11. jeevanraj

    Eterna application rejection

    Hi, Did anyone else got their application rejected with the reason "Address Not Traceable"? BoB decided to reject my application and after some to and fro they said the reason being "Address Not Traceable". I have been living at this address for almost 30 years now. Maybe the agent was lazy and...
  12. jeevanraj

    Suggest credit card for below usage

    SBI Cashback doesn't give cashbacks on wallet loads.
  13. jeevanraj

    Suggest credit card for below usage

    Any idea whether SBI cashback gets you 5% cashback for NPS payments?
  14. jeevanraj

    How to apply for a BOB credit card online - step by step guide

    Hi @TechnoFino Currently my annual salary is close to Rs 30 but has not crossed 30 Lakh. If I apply now for Eterna they might give paid variant for Eterna as per my conversion with Eterna team via email. Is it possible to convert eterna from paid to LTF later once my annual salary crosses Rs 30L ?
  15. jeevanraj

    Axis Magnus application rejection

    Looks like they are not taking upgrade requests on email either. I reached out to axis customer care via email and this was their response - "As per RBI Circular all Credit Card Conversion request to be stopped with effect from 6th Aug'22 until further notice,"
  16. jeevanraj

    How to Upgrade Axis credit card other than calling customer care

    @praneet167 This happened with me as well. Write an email to pno for office address change. First they'll say you'll have to update it through customer care. Then explain the ordeal you have gone through and insist that they only update the office address. If they still refuse then escalate it...
  17. jeevanraj

    Axis Magnus application rejection

    Thanks @TechnoFino If they upgrade Axis Flipkart card to Magnus, wouldn't they cancel Flipkart card and issue Magnus? Have been using HDFC for so long I don't have any idea how other card upgrades work. As much as I want Magnus, I would like to keep Axis Flipkart as well since it is LTF.
  18. jeevanraj

    Axis Magnus application rejection

    If I wish to move to RBI, what is the procedure? Should I email crpc@rbi.org.in or any other emails or is there a portal where I have to raise a complaint (https://cms.rbi.org.in/cms/indexpage.html#eng not sure if this is the right one?) ? Also I didn't knew that they would upgrade Axis...
  19. jeevanraj

    Axis Magnus application rejection

    To apply fresh application now I might have to wait for 6 months. In case if I apply again via offline within 6 months they might not consider it again. So I'm thinking of asking them to reconsider my existing application.
  20. jeevanraj

    Axis Magnus application rejection

    @cmg did you resubmitted your application after the rejection?
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