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  • Users: Ram1
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  1. Ram1

    Indian Bank - FYF & LTF RSDC

    So inspired by @zomatoo , Opened account in Indian Bank. Asual my psu story, it turned out to be worst experience. Account variant 1: IND Pro Silver 25k mab No sms charges FYF Rupay select dc Account variant 2: IND Pro Gold 1L mab LTF Rupay Select dc Myntra 250gv ( i guess its quarterly) BOGO...
  2. Ram1

    Axis add ons application live for few

    Seems like Axis bank started rolling add on cards in the app. Few users are able to see add on pop and asking customer id of add on card holder upon clicking on it Source: X Advantages of add on: They are free. Easy to spend and reach milestones or fee waiver faster. No reporting in add on...
  3. Ram1

    Phishy email from axis bank - Seeking clarification

    Hii, Received email from axis bank that 48k being sent to RBI from ShriRam finance. I am not knowing what is this. key points 1. My mom name mentioned in this 2. Address wrong 3. My mom axis account closed last year 4. Ifsc mentioned is of union bank, my mom doesnt have union account. Even...
  4. Ram1

    IOB online account opening detailed process - Best for RSDC
    Threadmarks: IOB

    I have been receiving lot of dms regarding IOB account opening process and for RSDC. So putting everything in one thread. Account opening process 1. Open this link https://vkyc.iob.in/customerVkyc Choose account variant - SAVINGS ACCOUNT - PUBLIC its mab is very low 100/200 only without...
  5. Ram1

    Most happening scam at Branches - Be aware

    This is regarding the Insurance/schemes related while opening offline account. So this week, I visit the branch of Bank of xxxxxxxx and asked boy to give me account opening booklet. I was filling, suddenly shocked to see 4 forms of different schemes attached like pension scheme, ppf, insurance...
  6. Ram1

    Need suggestions for individual current account

    Need help in choosing best individual current account. Requirements 1. Should be opened with just aadhar & pan, has no business proof 2. Need free cash deposit limit min 2Lakhs 3. No physical verification 4. Can maintain mab upto 25k Options so far 1. Hdfc biz lite 10k mab 2L free cash deposit...
  7. Ram1

    Union Bank Divaa Credit card - An Underrated gem

    Exclusively for Women only Rupay Platinum card Bin 652982 Features: Airport Lounge access - Domestic- 8 per Year (2 per Quarter), International- 2 per Year 2 points (1 Reward Point = Rs. 0.25) per 100 spent Surcharge on fuel - 1% waiver with a cap of Rs.100 per billing cycle Accidental...
  8. Ram1

    Axis AMEX PRIVILEGE Card is being offered LTF!!!

    Axis Amex privilege card with fees 1500 is being offered ltf. For both Fresh and Upgrade applications. Process for Upgrade Open App Click on 3lines at top left Apply Credit card Check and apply axis amex privilege if fees shown 0 I applied and approved instantly. Its good ltf card to keep...
  9. Ram1

    Underdog Credit Card IMO!!! - Axis Cash Back Credit Card

    I feel Axis Cashback card is very underatted. Benefits Online spends: Earn 2% cashback for spends up to INR 5000 Earn 5% cashback for spends b/w 5000 to 40,000 Earn 7% cashback on spends > INR 40,000 Monthly cap 4K cashback offline spends unlimited base cashback of 0.75% on all offline &...
  10. Ram1

    Suggestions needed to choose best LIC plan for age under 30

    I'm looking for good LIC plan to pay everymonth. Age - under 30 Please provide valuable suggestions
  11. Ram1

    FY 2024-25 End - Credit Card Retention Offers

    Anybody tried and got any good retention offer from banks?
  12. Ram1

    Infinia Upgrade to Infinia plastic still possible?

    Is HDFC still providing Infinia plastic variant as upgrade ? Heard any case recently? And to get LE via FD route,we need savings account ?
  13. Ram1

    Video kyc issue in chrome

    I was doing tmb video kyc in chrome browser android(Samsung s23) . While showing aadhaar using back camera , it is very blurry. I'm always facing this low quality issue during vkyc. Is there any solution for this?
  14. Ram1

    What's that Credit Card you got with minimum effort and maximum effort?

    Alright guys, lets share our stories. Easiest & Hardest efforts we have put to grab our desired credit cards. For me, Card with minimum effort : Federal Bank Federal bank Celesta LTF 10L limit Process - Just 2 steps basic details, approved instantly without any vkyc/physical kyc Card...
  15. Ram1

    SCB Credit Card Limit Revised to 10k

    SCB shockingly revised my limit to 10K. Your credit card account credit limit has been revised from INR 130,500.00 to INR 10,000.00. For any queries, pls contact our customer care- StanChart Is this temporary? How can i get my limit back?
  16. Ram1

    ICICI level 2 escalation

    Hello, I gave a complaint to ICICI level 1 using support website. I got response with subject having reference number as ICICI = E0119xxxx. I'm not satisfied with their response and want to escalate to level 2. What to enter in place of SR number?
  17. Ram1

    DCB Urgent help needed regarding fees

    Hii, I have DCB plastic card and Tataneu card with 5L limit shared limit. PROBLEM - 1 in DCB, I didn't spend anything in this month in Tataneu, there is 2500 excess balance. so there should be 502500 limit available. However it's showing only 455300 as available limit, didn't understand Where's...
  18. Ram1

    My IDFC Wealth cc journey from 5 cibil enquiries to approval

    My biggest wish is to get a ltf premium cc and going with the hype I selected IDFC wealth CC{1 year back} 9 months back I applied Online, First i entered sal 3L & existing cc 6L icici and gave nearest serviceable pincode, I got select cc only - 1st cibil enquiry done Then came back & I...
  19. Ram1

    Rupay credit cards on shared limit

    Hello, I am looking for rupay credit cards on shared limit to existing credit card. It should not report as new card in cibil. Please suggest which banks offer like that I have Normal ccs from icici, axis, sbi, yesbank, federal, hdfc, indusind, kotak, rbl, hsbc, scb, amex
  20. Ram1

    Mrcc+plat travel rewards combination

    I have amex platinum travel card with 50k points. If take MRCC card now will the points of both cards combined? Can I use the use points of plat travel for mrcc gold category redemption? If anyone having both cards, please confirm
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