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Update: Visa Rewards Debit Card now visible in the app. Took unusually long time of 6 working days to be shown in the app. Now will wait for the card delivery. Branch people were coperative in issuing the card. I told them I want this specific debit card, they filled in the form for me with...

On the same day. On 6th December

I had submitted request in branch on Dec 6 for RWC50. Branch people obliged and after biometrics, I received an SMS saying form Submitted along with a form number. However, I am unable to see any card details in the app. I contacted the branch people, they say that It has been sent to Chennai...

Nope. Certain cards have access to the business class lounge. Like Emeralde Private, Times Black, DCB, HDFC Marriot, and all BOBCARDs with lounge access DBS Bank etc.

There are two lounges in COK T3, Earth Lounge and Earth Business Class Lounge. Which lounge are you referring to?

TDS under section 194A will be deducted if total interest paid by a bank exceeds 50K for general public and 1 lakh for senior citizens (above 60 years). If this is the only FD you have with SBI, then assuming that your interest calculation is correct, then bank will not deduct any TDS...

Got rewards on MC for transaction done on 2 Nov.

I can confirm that it works. Just enter the name of the person travelling. Lounge staff only checks for the name mentioned in the mail. No card verification.

Per card is the capping. For add on cards the capping is limited to the primary card

I am only getting the Visa variant as LTF. Mastercard has regular pricing. OP @SSV has the Mastercard variant as LTF. Is there any difference in benefits for the MC variant over Visa or vice versa? The website does not show any such difference.

Axis bank cards are also eligible for the same discount so are ICICI cards, who knows if the discount was applied because of Axis card or Amex network card

Navi App works. There is no extra fee for Visa, Mastercard or Rupay. MCC is 6012

I was able to apply for scapia first, then apply for core card in federal bank website after 3 months.

DCB Metal has switched to Hoi. List of lounges is available in HDFC Website. Even though HDFC has not officially updated the list for Infinia and Regalia Gold, I was able to find these lists 1. Regalia Gold 2. Infinia 3. Diners Privilege

I have been using Scapia card since June 2025. Previously I had tried to apply for Federal Bank core credit card (for the instant discount offers) through the website, but it always said that I am an existing user of federal credit card. On 4 Sep 2025, I tried to apply for the celesta mastercard...

Yes. Still working

I performed an online transaction in USD. Amount debited was equal to the Visa conversion rate with zero markup. Hence, confirmed that there are no charges. However I did not get any super cashback for the same. There is a disclaimer that cashback on international transactions will be credited...

Yes. Agreed! Had I gotten Rs. 95 conversion rate for GBP and Euro, It would have been a lottery!

Received the welcome kit today. Confirmed that Metal DC offer is still active. The rumors of Metal DC offer being withdrawn on Aug 1 is false.

I guess he must be confused between the joining and renewal fee. Joining fee is 4999 + GST Renewal fee is 999 + GST As long as the customer enrolled in 811 super program, both these charges are waived. Additional condition for joining fee waiver is IP >= 81.1K during offline KYC If you opt...