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6 cards, 50 L home loan (principal outstanding as of now 24 L with 5 more years to go)

Around 700000 utilized out of total 1250000 approx. (13 years credit history)

Home loan + credit cards, did some bulk electronic purchase last month so utilization went up.

My CIBIL score was 769 in November 2024, went up to 783 in December 2024, then gained 9 more points to reach 792 in January 2025 and finally crossed 800 for the first time in credit score history in February 2025 to 802. This all with higher utilization of almost 60%. Not sure how long will this...

Union bank of India and Bank of Maharashtra were offering at 8.35% last quarter, not sure if changed this month or not.

It was long time back. The contacts I got are not working anymore.

https://www.technofino.in/community/threads/sbi-bpcl-octane-card-reward-points.8365/ https://www.sbicard.com/sbi-card-en/assets/docs/pdf/personal/cards/ro-list-for-pos-redemption.pdf https://www.sbicard.com/sbi-card-en/assets/docs/pdf/personal/credit-cards/travel/BPCL-evoucher-outlets.pdf

No, it was stuck at same for few months.

Yes, score went up by 15 points once the overdue was cleared.

Paid nothing for card as I had Exclusive savings account with intitial funding. (It was done through branch manager so not always the case. It may be changed now)

Not bad if no balance maintenance required and interested in Indulge credit card.

I mostly use the web version so these banners are not that distracting. All good as long as there is no tracking or spamming mailboxes!

It's reward multiplier offer for transactions done at merchant site. I doubt wallet load were ever part of RM!

https://www.americanexpress.com/in/benefits/rewards-program/terms-conditions.html Everyone with AmEx card can participate. (No enrollment) Offered on merchant website/platform. Fulfillment by 31st October, 2023. Bonus MR Points would be offered to You only for transactions that are done through...

HDFC is a unique home loan provider. They will never reduce the ROI on their own. You must challenge them by quoting other lenders. They will then ask you to pay a conversion fee each time they reduce the ROI. This could be ₹ 2500 up to ₹ 5000 each time. Also, they have issues with pre-payment...

Not many lucrative offers that can be considered as such! I just got Premier last month because of RuPay variant. Earlier I had Easy JCB variant. If at all you want to have, apply via branch as online process is time consuming and they will keep asking you to share documents even after...

Depends! Nothing is sure these days. Many people are not able to get Schengen visa in first go. Been hearing multiple rejections for Switzerland tourist visa. Even some of my colleagues could not get business visa on time because of delay in approval by the embassy. I got multiple entry business...

It's for corporate excellence primarily digital channels. Nothing satisfactory for credit cards in terms of offers and benefits though.

Yes, 78805 all included. Hope this will help: