need

Hey TFians I want your suggestions regarding card upgrade I have SBI's Simply Click card, and RBL's World Safari Recently SBI Card gave card upgrade offer for ELITE card, and RBL for Insignia, But both these are chargeable cards, SBI ELITE fees 4999+ gst RBL Insignia 7000+ gst But I asked...

Hello everyone. Need some advice on how I can best leverage my salary to get good cards and offers. I have a salary account with ICICI, 10+ years old. Current salary credit is 2L+. I also have an ongoing plot loan of ~30L with them. I approached my RM recently requesting for Saphiro LTF...

Hi folks I am holding the below cards and I wanted to know if I should get a cashback card or a Rupay card for daily UPI transactions? Cards I currently hold HDFC Infinia - Effectively free since I got it as FYF and I have already crossed 10L in fact much more and still have 4 months to go...

I was using Hdfc smartbuy before but they are charging almost 3-4% on fee and GST. i want to buy 10k flipkart voucher and have SBI cashback card, millennia and others. what are the options available? i see there is humble app which uses razorpay so can we get 5% on sbi cashback card?

my company recently onboarded HDFC bank for salary account. they are ready to offer me imperia account there. I have net salary credit of ~3Lpm and AXIS is also offering me burgundy account. I currently hold a swiggy hdfc card and no core HDFC card. My question is which bank should I go with...

Hi everyone, I’ve been using the HDFC Tata Neu Plus Credit Card since 2022, and all this while I’ve been stuck with a credit limit of ₹51,000. Today, I received an offer to upgrade/increase the limit to ₹63,000, 23.5% increase. While it's a welcome change, it’s still quite low for my current...

Hi all,I just received a message from IDFC FIRST Bank that I wasn’t expecting, and I’m a bit confused about it. The message reads:"Dear MR. ADARSH KUMAR SI: we have registered your KYC details with Central KYC Registry vide No towards your Application number xxxx7071 applied for RC with IDFC...

Hello TF community, I looked for it but couldnt find any thread so wanted to ask if there is any way to transfer MR points to Thai airways (Royal Orchid). If yes then is it worth it or any other way to book Thai airways flight from any other program. Thanks!!

I was billed ₹3,000 + ₹540 GST (total ₹3,540) as annual fees. I contacted customer care to request a reversal, but they rejected it. I escalated the matter to their senior team and even the Privy team, but they also declined to reverse the charges. I also asked if they could at least do a...

Hello, I have 4 Credit cards currently, DCP, Tata Neu Infinity, Amex MRCC and SBI cashback. I am off late only using SBI Cashback and MRCC, feel like HDFC cards are not adding any value and they spend most of the time sitting in the drawer. Before closing I wanted to check with the community...

So today I went to open a Cent Queen savings account for my mother at our nearest CBI branch. Almost everyone was polite, but after submitting the account opening form and the initial deposit amount (30000), they did not provide us any deposit slip or any kind of acknowledgement, despite my...

Hello everyone, I noticed an email on my mother’s Gmail account from noreply@cibilenqalert.transunion.com stating that her CIBIL profile was checked for a personal loan enquiry by Home Credit. My mother is a homemaker with only one bank account, which I personally manage. I’ve always been...

hi i am from mumbai and i am unable to run wechat even with vpn any help or guidance please do help me

Hi everyone, I’m looking for some advice on maximizing rewards on Amazon Pay gift card purchase. I use Amazon Pay extensively for bill payments, Uber, etc., and I currently have the HDFC Infinia card. I’m already hitting the Rs. 10,000 monthly cap on both my primary and add-on Infinia cards. I...

Hi, I am a small merchant where I have installed the phonepe business and Google pay business qr codes and a new razorpay payment gateway for supporting debit, credit card holders Now will the gst of 18% is applicable on payment gateway transactions only or is it applied on phonepe/googlepay...

Hey Community, I need Help/ Information regarding Home Loan Rate of Interest Reduction Charges Charged by ICICI Home Finance, Currently i have Ongoing Home Loan with ICICI HFC, i requested for ROI Reduction, they said I'm eligible for 0.35% ROI reduction from Current ROI, for Reduction i need...

My application for a Federal Bank Celesta credit card was rejected due to a name mismatch in the backend system. A local credit card representative confirmed this after several follow-ups. The nearby bank branch refuses to assist without me opening an account with federal bank which I don't want...

On 29 March 2025 I added Rs. 11,000 via 'add money' on Indie app (by Indusind) via selecting Navi UPI app as UPI intermediar. Money was debited from my other IDFC bank and shown successful by Navi but not credited to Indie. After waiting for few hours I went to X and complained tagging all...

Hey everyone! I recently got an interesting offer from IDFC First Bank, and I’d love to get your thoughts and experiences. Since I already have a credit card with them, they’re offering me a Zero balance AMB savings account but only if I set up auto-pay for my credit card from this new...

Hey Fam! Recently I was applying IDFC CC, but I was shown paid Mayurah/Ashwah(don't remember exactly), Power +, SWYP and Wow. Even if I applied via C2C with 1year+ history of 3.9L. Edit - I need Select atleast LTF.