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true, I was planning to get this card before, luckily I got a free upgrade to DCB metal without joining fee, and now i have moved all my spends to DCB, and cz of smartbuy everyone in my contact is using my card for flight ticket booking so I might actually meet the annual fee waiver now, even if...

Joining fee reversal is fairly easy, 25k in first 2 months, but for annual fee need to spend more than 2.5 lakhs, given the current reward structure and benefits I don't think it is a good deal if you have other better cards.

Banks are there only to make money and that is the only reason they provide any service, as i said in my case with kotak, Kotak was reluctant but gave a one time concession kind of thing and reverted their charges except for igst, try negotiating for the same it might help.

I don't think this is an issue from Amex, I also had a similar case with kotak where the order was cancelled for an emi transaction and had a similar situation. Later I called kotak and they explained same that transaction refund does not mean that the emi is cancelled, we need to call the...

I was worried because few apps like hotstar, amazon don't work without vpn, and few banking apps like canara bank give quite a bit of headache when using on wifi itself, it prompts on using mobile data. I installed goniyo, this does not allow me to open application on wifi it works only on...

I will be travelling tomorrow to Europe and will be staying there for almost 3 months, I wanted to know if Payzapp as an application will work??? I do have a paid subscription of VPN, so i can change my VPN if required, please let me know if anyone has used the payzapp application outside india...

Please read the entire post, the post says it's fake news 🤣🤣 there's no need to panic, I really don't see any incentive for RBI to put such a limitation because no matter how many accounts you open it's all linked to same Pan card 😀

They're still reasonable if you compare with someone like IDFC

because of the good reward rate my spending is around 20-50k per month on this card, I hardly use any other card

I am so happy that I got Diners black metal couple of months back, I don't have to scrape or plan my spending in any of my cards for lounge access :P

At least amex is giving gift vouchers without any surcharge unlike HDFC, from October they even started putting surcharge on Amazon shopping and Flipkart vouchers 😀

This I am actually curious, can i create one more payzapp account and try? Or should I apply for add on card for a family member?

Even i thought the same and started this post, but yesterday at night I saw 250 voucher, and just bought in multiples of 6 to meet monthly target for MRCC

true, I saw someone had shared similar here in TF only

Oh okay, I was not aware that there are such limits for these vouchers. Any idea, on when these might be available again? or should is that all for this week/month??

Until few days back I was able to buy the amazon gift cards via gyftr, I was planning for bill generation to buy few more to meet the monthly spend criteria (1500*4), but today I can see that both Amazon gift card and amazon shopping voucher has been removed, can anyone confirm if they are also...

Again if the card is LTF then just leave it as is, even I have left uni nx wave and RBL shoprite without using it, but both have decent limits around 4 and 6 lakhs.

If this card is ltf then there's no harm in keeping it dormant and using it occasionally once in 6 months or an year. Any specific reason for closing the card??

I think it's just a matter of time for any card with decent rewards to get devalued. Let's not forget that credit card companies are there to make money and make more money only 😂😂

Do any of you have any contact of HDFC team, who can help me getting add on card for my diners black metal? Previously I had got contact of a person called Yadurya here in this forum, but for some reason I am not able to reach her now, so if any of you have any new contacts, it would be of very...