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As you all know, deposits made in India Post savings schemes (such as the Post Office Time Deposit or Fixed Deposit), are backed by a sovereign guarantee from the Government of India. That means your money is considered 100% safe. Many elderly people - and even some from the middle age group -...

Hello TFCians, Some of our members have reported being affected by international fraudulent transactions on their ICICI Bank credit cards, even though their international transaction setting was disabled. Here is the original thread by @ssnthegenius...

Hey TFCians, Here’s some disturbing news from the digital payments space - MobiKwik has suffered a massive security breach, with fraudulent transactions amounting to nearly ₹40 crore over just two days (September 11–12, 2025). What Actually Happened (As Per MobiKwik’s Official Statement)...

Hey TFCians, As you all know, Amex India had stopped accepting new credit card applications back in March 2025. Finally, after almost 7 months, they’ve decided to start taking applications again from 19th September 2025 22nd September, 2025 24th September, 2025. Are you guys ready? Apply for an...

If you remember, just a few days ago ICICI Bank hiked their minimum balance requirements to an absurd level — for a normal savings account they expected customers to maintain ₹50,000 average balance. After public outrage, they rolled it back, but still kept it higher than before. That was at...

Recently, the IDFC First Bank debit card became a hot topic in the rewards community. The reason? It had one of the most lucrative reward systems in force. Customers quickly discovered new ways to maximize these rewards across different types of payments. In particular, many in the credit card...

Back in Jan 2025, I shared a detailed thread about how Amazon & Flipkart gift vouchers purchased from portals like InterMiles were being used by someone else before the buyer could even redeem them. That post gained a lot of attention because many TF members had faced the same issue. Old Thread...

Cyber fraud in India has seen a dramatic rise. In FY2023, there were 75,800 cases reported with losses of ₹421.4 crore. In just a year, those numbers jumped to 2,92,800 cases and ₹2,054.6 crore in losses by FY2024. That’s a 5x increase - a sign that cyber fraud is not just growing but exploding...

Recently, a TechnoFino Community member reached out to me in distress. He’s a visually impaired credit card enthusiast who has been navigating the digital world with the help of screen readers like Google TalkBack. But after the latest update of the IndusInd Indie app, he – and many others in...

The Reserve Bank of India (RBI) has lifted the restrictions imposed on Kotak Mahindra Bank, allowing it to resume issuing new credit cards and onboarding customers through online and mobile banking channels. The bank was directed to halt these services in April 2024 after the RBI identified...

In November 2024, Zopper launched the "India Gets Moving" campaign in partnership with Apple and HDFC Ergo. Under this campaign, participants were rewarded with points for completing their daily step count targets. The points earned could be redeemed for cash rewards, with the potential to...

Purchasing Amazon gift vouchers through accelerated reward portals and using them for utility bills or insurance payments is a common practice among new-generation credit card users in India. But what if I told you that your purchased Amazon gift voucher could be used by someone else before you...

Hey TFCians, As I promised yesterday, here’s a fascinating yet cautionary story about loophole exploitation. Let’s dive in: The Story Mr. X, a credit card enthusiast, owned several high-end credit cards, which he primarily used for his business. Due to his business expenses, his credit card...

According to RBI guidelines, if a bank wishes to make changes to a credit card’s benefits or terms and conditions, the issuer must provide a one-month advance notice to all customers of the specific product. If a customer doesn’t respond, the bank may consider this as consent to continue using...

A few people on the TF Community have posted threads about their IDFC First Bank accounts being placed under debit freeze or total freeze for minor reasons. Many others have commented on these threads, sharing that they too have faced similar issues, and that their issues have not been resolved...

If you hold a higher variant bank account, you're probably familiar with the term "relationship manager" (RM). Banks assign RMs to customers with premium accounts and good average balances. They often showcase a long list of benefits for having an RM and push you to upgrade your account. But do...

The number of credit card users in the country has boomed exponentially over the last few years, and with it, so have cases of mis-selling credit cards. One of the most common tricks is when bank employees promise you a lifetime free credit card, but you end up getting a paid one instead. But...

HDFC Bank is known for its top-tier credit card, the HDFC Infinia, one of the best credit cards available in India. Many people go to great lengths to get this card, often finding their own "jugaad" to acquire this super-premium metal card. However, its strict eligibility criteria prevent many...

In recent months, many credit cardholders have been left puzzled as they receive notifications from their banks informing them of reductions in their credit card limits. This trend, observed not only with SBI Card but also across various other banks, has raised questions among consumers. Why are...

First, rent payments, and now utility payments category, banks are imposing extra charges on them. In a recent development, Yes Bank and IDFC First Bank announced that they will charge an additional 1% fee on all utility payments made using their credit cards starting from May 1, 2024. Customers...