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Which Debit or Credit Card Have You Closed (or Plan to) in 2025 & Why?
- Thread starter Anindya98
- Start date
- Replies 227
- Views 7K
I already have sapphiro LTF for 2 BMS BOGO and Burgundy Debit card for 4 BMS BOGO.
Thats enough for me per month.
Makes sense but I would ideally like to get Pinnacle ltf after 3-6 months as an NTB customer.
This is true.
Panthera_Tigris
TF Select
Then I am assuming you became eligible with the 40L TRV criterion? Was it FD or demat? I want HSBC Premier but I dont want to leave 40L in FD but will happily put it in stocks. Is this possible? Cant find any info on it.
I doubt it. They are a real stickler for these things.
The premier cc is especially good for paying large amounts of rent. The 3% cb on anything is pretty decent.
I haven't taken premier. And I won't probably. HSBC is very difficult to bank with.
I'm not sure if they consider HSBC's own demat account valuation for TRV. (If at all they do)
Got the IDFC Firstap Rupay.
Love the Packaging but the quality of the card is cheap. Just a Cardboard Card.
But they have well compensated me with 4000 RPs.
Also, you can use it for Amazon & Swiggy Friday offers & CC Bill Payments.
Love the Packaging but the quality of the card is cheap. Just a Cardboard Card.
But they have well compensated me with 4000 RPs.
Also, you can use it for Amazon & Swiggy Friday offers & CC Bill Payments.
Attachments
Rupay hai to Zindagi bhi hai
kjs
TF Premier
Yes Kotak 811 super dosent look to be worth it anymore. btw if you see the below details.
Get Kotak811 A/c
Terms and Conditions - 811 Super
811 Super Eligibility:
- While completing FKYC/on-boarding to 811 Super program, the minimum A/c account balance should be ₹5,000.
- On monthly basis, customer needs to do at least one customer initiated credit transaction of minimum ₹5,000 to get eligible for 811 Super cashback.
- 811 Super will be offered for one year from the date of subscription. After 1 year, Customer’s consent will be taken for program continuation.
- 811 Super is an exclusive program available to a limited set of customers. Eligibility for 811 Super can be checked through the Kotak811 App.
811 Super Cashback:
- Eligible customers - Cashback to 811 Super eligible customers on Debit Card spends & customer needs to credit ₹5,000 every month to avail the Cashback.
- Cashback construct - Flat 5% cashback up to ₹500 per month to all 811 Super customers on eligible spends through Kotak Debit card (E-com/ POS (Point of Sales) transactions) up to ₹500/month. Refer to below rules for cashback
Rules
- 811 Super eligible customers should spend via Kotak Debit card, ₹5,000 need to be credited in 811 Super a/c to avail flat 5% Cashback up to ₹500 per month.
- In order to calculate the spend value only following types of Debit Card transactions are eligible:
- Virtual Debit Card
- Physical Debit Card transactions (E-com/POS)
Important note:
- Inter or intra bank fund transfer, ATM cash withdrawal, wallet top up (transfer from 811 Savings Account to any kind of wallet) or any other type of transaction excluding mentioned above will not be considered. For more details, please refer to the point no. 17 under Terms & conditions for cashback.
- Any type of UPI transactions will not be considered as spends.
Terms & Conditions for Cashback:
- This cashback has been extended by Kotak Mahindra Bank to 811 Super customers meeting eligibility criteria of ₹5,000 credit/month.
- A customer can get a max ₹500 cashback/month.
- To get the monthly cashback, 811 Super eligible customers should spend via 811 Debit Cards.
- Any kind of fund transfers or ATM cash withdrawal and wallet top-up will not be considered as spend.
- Cashback will be rounded down to the nearest whole number.
- Customer should spend at least ₹20 to get eligible for cashback.
- Cashback will be deposited in 30 days post-completion of the month under consideration.
- The cashback is not-transferable.
- Participation for the cashback is voluntary.
- Any Customer eligible for the cashback shall be deemed to have read, understood, and accepted these terms and conditions, general terms and conditions of the Bank.
- Kotak Mahindra Bank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all or any of these terms and conditions or to replace, wholly or reduce the cashback.
- The Bank reserves the right to disqualify any Customer from the benefits under the Offer if any fraudulent activity is observed as being carried out for availing the benefits under the offer.
- The decision of the Bank in all matters in connection with and incidental to this offer is final and shall be binding on all persons.
- Disputes, if any, arising out of or in connection with or as a result of the above cashback or otherwise relating hereto shall be subject to the exclusive jurisdiction of Mumbai courts.
- Any kind of refund or reversals will not be considered as ₹5,000 deposit.
- Cashback cannot be processed if the account is frozen.
- Transactions on below MCC (Merchant Category Codes) will not be considered for cashback:
- 5169, 5085, 5199, 2842, 5122, 5039, 5198, 7375, 5051, 5021, 5046, 5099, 7395, 8734, 5044, 5074, 2791- Business-to-business transactions
- 7995- Betting including lottery tickets, casino gaming chips, race tracks
- 7273- Dating and escort services
- 5960- Direct marketing - Insurance services
- 6012- Financial Institution - Merchandise Services & Debt Repayment
- 7800- Government licensed - lottery
- 7801- Government licensed- online gambling
- 7802- Government licensed - racing
- 5723- Guns and ammunition shops
- 6381- Insurance
- 6300- Insurance sales, underwriting & premiums
- 6010- Manual cash disbursements - Financial Institutions
- 4829- Money transfer
- 6051- Non financial institutions - Foreign currency liquid, crypto assets, account funding, traveler cheques & debt repayment
- 8651- Political donations
- 6540- Non-Financial Institutions – Stored Value Card Purchase/Load
- 5300- Wholesale clubs
- Transactions on below categories will not be considered for cashback:
- Loan repayment
- Wallet load transactions
- Utilities payment
If its not applicable on above platforms / services then where will it be applicable ???
kjs
TF Premier
Please let me know any specific reason to downgrade to millennia , I m using hdfc platinum card since last 13 yrs
kjs
TF Premier
Any other psu bank debit card also offering similar benefits ?Reward points - 0.25%
+Bonus Points, +Milestone (if achieved)
4 points = Rs. 1
As per t&c minimum milestone 1L in a Financial Year.
Birthday bonus and campaign bonus are extra.
Edited this post.
Pls. visit this thread:
Note: sorry for diversion from main thread.
Update(15/03/2025):
Axis Neo LTF (Rupay) - Closed the card and Got Axis Privilege LTF.
I know the card doesn’t offer exceptional benefits, but it’s still better than Axis Neo when it comes to instant discount offers.
BOB Snapdeal LTF (Rupay) - Got the card Pre-approved(05/02/2025)
Last edited:
congrats . .
No cool down period between two cards?
No, my Neo was 10 months old, that's why no cooldown period.
drabhishekladdha
TF Select
Amex platinum charge
As i got it for Joining bonas
Rest i will keep
Hdfc infinia and bizblack combo for flights
Hdfc tata neu infinity for UPI
Axis magnus ( accor ) and Amex travel ( marrior /taj)
Sbi bpcl octane for fuel
I might add ICICI sapphiro as im geting it LTF ( corporate) for ICICI offers
No other cards to get close
( cards which i have closed in last
Axis Neo , Myzone , privilage , select )
Icici amazon pay , Manchester united
One card ( got for looks and collection)
Idfc select ( not useful )
You have read that correctly, some are facing the error, but @Anupama_Jha and I got the card instantly after closing our existing cards. And we have not taken any new Axis cards within the last 3 months.