New Wallet | 5% SBI Cashback card load & 1.18% charges for bank transfer trick

[Abhishek012]

New Wallet | 5% SBI Cashback card load & 1.18% charges for bank transfer trick:

Play Store:

Giverly - Apps on Google Play

Giverly is a new age Pre-paid card

play.google.com

IOS Store: https://apps.apple.com/in/app/giverly/id6447155723

Download the app and complete mini kyc (full kyc also available).

Generate virtual card, activate ecom transaction.

Now go to add money option enter your 5% SBI Cashback credit card details and check merchant name on card otp page -

"Payu Payments Pvt ltd" - Merchant category - "Travel".

"Updated - Now New Merchant Name: "GIVERLY INDIA PRIVA" Came and MCC 5399 - GENERAL MERCHANDISE OR CONVENIENCE FOOD STORES".

Note - You can also cancel and try again until you get "Payu Payments Pvt ltd" (Travel Category MCC - 4722). @BUDHRAJ told, same was showing yesterday as well but after trying again it changed. Looks like they have 2 or maybe more PG.

However, both merchant name MCC is eligible for 5% SBI Cashback credit card.



Bank transfer trick -

1) You can load Rs1000 free of cost on mobikwik wallet every month.

2) Mobikwik wallet load with century coupon code - charges after cashback - 1.95% (century coupon code applied multiple times).

3) Snapay app >> Low priority (T+4) >> choose RuPay >> Only 1.18% charges >> pay >> Pay with this new app virtual card

Warning: currently this card is detect as credit card, maybe soon Snapay will find out this is prepaid card.

Note - Only Easebuzz payment page supported this card as credit card, if Payu page open then this card is not supported on Low priority (T+4).

when i click Visa/mastercard option Payu gateway page open. so, i choose RuPay option to get Easebuzz payment page. You can also try Visa/mastercard, net banking or other option if Payu gateway page will open.



4) Snapay >> Pay with Rewards trick >> charges almost 0.5% to 1.5% after cashback (Snapay >> Pay with Rewards will give higher cashback at the end of the month) >> Pay with this new app virtual card.

Note - If you dnt know about Snapay or Snapay >> Pay with Rewards trick then ask someone else. Dnt irritate me 😜😜

Ultra pro max level short me bolu toh - Snapay >> T+1 >> Pay with Rewards >> will give you zillion cashback points (375 to 750 zillion points) and Rs180 to Rs220 cashback (if you pay 20k on first transaction) and then next transaction, do Rs3000 payment and redeem your Pay with Rewards Cashback + redeem your zillion cashback points.

Note - You can also redeem your zillion points on mobikwik.

Another thing, you can also choose Intermiles point earning instead of zillion cashback points. Intermiles point will give you higher rewards and you can use Intermiles point to buy Amazon gv at 5% off + 5% extra cashback on SBI Cashback credit card.

And like i said, Pay with Rewards will give higher cashback at the end of the month. Sometimes we got Rs220 cashback + 750 zillion points (750 divide by 4 = Rs187.50).

If you guys understand clearly then the charges will be 0.5% to 1.5% (At the beginning of the month, Snapay >> Pay with Rewards give less cashback).

Remember the first transaction is 20k to earn all "Snapay >> Pay with Rewards cashback" and 2nd transaction do Rs3000 to redeem your cashback.

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As an experiment, do a transaction of Rs 100 for the first time, if everything goes well then use a higher amount.

 

[Predator]

same here
I have AU Platinum Savings account for the last two years but never cared to take their CC, never felt the need.
Last week I applied for IXIGO card and they rejected my application saying you are not eligible as per bank criteria.

But I know someone who got the card after entering some random 15k income and is a 2nd-year college guy, limit 80k.
I do not know how these banks work but it's stupid on their part to reject applications without any convincing reason.

 

[kshitij_0]

But I know someone who got the card after entering some random 15k income and is a 2nd-year college guy, limit 80k.
I do not know how these banks work but it's stupid on their part to reject applications without any convincing reason.

Guys having so many CCs are rejected mostly because of their risk factors, i.e. Total CC limit is way more than the ITR/Salary

 

[leonneel]

Guys having so many CCs are rejected mostly because of their risk factors, i.e. Total CC limit is way more than the ITR/Salary

This could be the reason.

 

[kushhh]

This could be the reason.

But some people have limit in crores, though their income is not in that range

 

[kshitij_0]

But some people have limit in crores, though their income is not in that range

Credit age factor is also there obviously and there are few banks which want to take less risk.

 

[leonneel]

But some people have limit in crores, though their income is not in that range

May be they also check how many credit cards they have. They wanna only issue then who has less cc so they r more likely to use them instead of occupational use or cc collect

 

[Anil_Singh]

Guys having so many CCs are rejected mostly because of their risk factors, i.e. Total CC limit is way more than the ITR/Salary

I have 14 cards as of now. Maybe that's the reason. Had 11 in September.

 

[deep@vie]

same here
I have AU Platinum Savings account for the last two years but never cared to take their CC, never felt the need.
Last week I applied for IXIGO card and they rejected my application saying you are not eligible as per bank criteria.

Predator became prey here

 

[deep@vie]

But I know someone who got the card after entering some random 15k income and is a 2nd-year college guy, limit 80k.
I do not know how these banks work but it's stupid on their part to reject applications without any convincing reason.

It was pure luck AU doesn't issue cards without office verification, obviously if Algo soft approves a card

 

[Abhishek012]

Lagta hai yeh app walo k bas bahot paisa hai, ab tak chal raha hai, logo ne lakho k transaction kar diye hai.

 

[ᏰᏋᎥᏁᎶᎥᏁፈᎧᎶ]

Predator became prey here

mast movie hai hahaha

 

[Predator]

It was pure luck AU doesn't issue cards without office verification, obviously if Algo soft approves a card

The guy came, clicked my photo, one more photo of both me and the agent in frame, office photos, etc. ]- All done
This is the first time any agent entered house/office, varna sb bahr se hi chle jate hai.
That's why I am taking this rejection more personally and going to close the account soon, once all the pending cashbacks get credited.

 

[Anil_Singh]

The guy came, clicked my photo, one more photo of both me and the agent in frame, office photos, etc. ]- All done
This is the first time any agent entered house/office, varna sb bahr se hi chle jate hai.
That's why I am taking this rejection more personally and going to close the account soon, once all the pending cashbacks get credited.

Same. In my case, agent didn't take photo with me. Rest, same to same. Bhayya, yaha tak ke sofa ke photos bhi lekar gaya.

 

[deep@vie]

The guy came, clicked my photo, one more photo of both me and the agent in frame, office photos, etc. ]- All done
This is the first time any agent entered house/office, varna sb bahr se hi chle jate hai.
That's why I am taking this rejection more personally and going to close the account soon, once all the pending cashbacks get credited.

Don't take it personally

 

[deep@vie]

Same. In my case, agent didn't take photo with me. Rest, same to same. Bhayya, yaha tak ke sofa ke photos bhi lekar gaya.

& then rejected?

 

[Anil_Singh]

& then rejected?

Yes. 4+ months completed. Didn't even try again once since then. Bad practice by the bank.

 

[deep@vie]

Yes. 4+ months completed. Didn't even try again once since then. Bad practice by the bank.

Dm the details, will get it done

 

[Anil_Singh]

Dm the details, will get it done

No need bro. I have other cards that currently fits my usage quite good. Zaroorat padi tab zaroor apko msg bhejunga.

 

[cooldude74]

The guy came, clicked my photo, one more photo of both me and the agent in frame, office photos, etc. ]- All done
This is the first time any agent entered house/office, varna sb bahr se hi chle jate hai.
That's why I am taking this rejection more personally and going to close the account soon, once all the pending cashbacks get credited.

The agent in my case was a bit extra smart... At first, he asked me if I was at home or at work... I told him I Work-From-Home...

Not sure what he understood, he reached the office location and is calling me up to meet...

I just kept calm and replied you'll find all my details from the HR... An hour passed and I got a message... Application Declined due to so-called Internal Policies.

Half a year later, I tried Swipe-UP, Swipe-DOWN, Swipe-LEFT, Swipe-RIGHT, but no matter where I swiped, it was just not good enough for AU to offer me a card 😏

 

[cooldude74]

@Abhishek012 any idea if these Giverly guys are working towards automation of wallet credit post payments?

It was more than 28 hours of patience after which I called them up and it was instantly credited. Is calling them a mandatory criteria for wallet credit reflection?