No you must have savings account with 1.5L balance maintained for a few months/years and then maybe they will consider ITR for self-employed. I've tried. Whereas my neighbor who's salaried but having ITR way less than me but a salary slip to show got HSBC Platinum LTF very easily years ago and...
@D₹V After you got Millennia offer in HDFC after changing from self-employed to salaried, while confirming/completing card application it again asks you certain things right? Does it ask at that stage self-employed or salaried? What to enter then? Will they cross check with PAN?
Well BOB is known to give a lot of people low limits. They gave me ₹25000 on BOB Select even though I had 3L on IndusInd Legend. Then after 17 months they gave auto LE to 32,500 in Feb this year. Now I guess I will have to wait again and it won't cross 50K still probably. But they have...
Are they asking for income docs too or just saying there will be a cibil hit ? 39K to 55K for just a cibil hit sounds OK to me, at least they're not asking ₹100+GST like Kotak 😂🤣🤣
For the Amazon issue, delete the saved card and never ever save any card as Amazon and their payment gateway has...
Eww the Swiggy card just got delivered and it's SO DULL AND FUGLY! It's nothing like what they show in the photos/fake edited and saturated colors. It's like someone put it in the washing machine and the colors faded out
My Slice CB is approx ₹1800 but it's all from Sparks. I noticed they have some RETARDED Fire game whose rules they don't properly explain, like how to play but directly start the game and tell you lost. Never seen a more RETARDED game. 🤣Can anyone tell me what to do in that RETARDED Fire game? 😂
There's also the great RuPay Platinum debit card offer every Friday on Swiggy on MOV of just ₹129: 20% off up to ₹100 using RuPay Platinum debit card. Which beats this Swiggy card's 10% discount as it's instant discount and higher. Swiggy card is poor man's/unfortunate man's/foodie's Millennia 🤣
How to get Swiggy CC LTF? It will be offered LTF for a lot of people soon as I and a few other random people got this today. There was a cibil hard enquiry but card approved in a few hours of applying. I don't have a core card (closed Business MoneyBack, now being spammed daily with Biz Grow...
They called me when they declined saying that as per their policy, only salaried can get HSBC cards, or self-employed with savings account in their bank maintaining upwards of 1.5L. But they did inform. I told them this is bakwas policy since no other bank has so much attitude about giving cards...
They will if the branch has it in stock. Some branches have, some don't. Platinum DCs of RuPay always have Platinum written on them so if it's not written, it's RuPay Classic. Don't accept it.
Issuance charges they reversed because on "No Frills" account (which is like BSBDA), DC is supposed to be free. On other variants they may not reverse. No frills I had only taken for RuPay Amazon offer (12 credit and 12 debit txns per year) but that account has charges if txns exceed certain...
UCO Bank requires debit card to sign up so I guess one physical DC (FYF) required (in my "No Frills" UCO savings account at least, charges taken were reversed by the bank) upon request. But I couldn't activate virtual one as I didn't know then that we need to escalate to turn on ecom txns on it
No the MAB is too high for these banks. I have enough RuPay Platinum DCs from other smaller banks where the MAB is not high (Abhyudaya Bank, New India Bank, TJSB, BOB virtual - where maintaining just 2K or 5K is enough or some even 0 balance)
Made a list of some savings accounts which gives RuPay Platinum FREE with certain balance maintained:
- Union Bank SB Premium Variant 1 SBPRE (Needs 15K balance maintained for free RuPay Platinum DC)
- Canara SB Select (Needs 25K for free RuPay Platinum DC)
- Indian Bank SB Platinum (25K for...