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I hate liars. Kotak bank employees are institutionalising lying. Earlier, I never touched their stock, now I won't ever touch their products. Cheaters.
Axis is much much much better than Kotak.
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(Edit for) Context: Kotal 811 Sucker Account January Cashback. It's not because of the cashback denial, but how their redressal desk deals with it to justify their unethical practices. I can't even log in to the Kotak app after I proved them how they are lying.
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They ask us, do we need help or not, but I feel they seriously need help. Don't believe? Check the live link (shared below) or attachment. They can easily do time travel in past or future as per their wish. They are super God. Their bank, their people, their rule.
Link: https://www.kotak811.com/rewards-terms-and-conditions

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Anupama_Jha
Anupama_Jha
@2025 Pls clarify what they have updated in Jan 25?!
2
2025
@Anupama_Jha Utility txn (MCCs) and some other mcc codes not eligible for cashback. That's they have updated retrospectively from 1st Jan 2025. Their webpage updated it on 28th January, I have received email on same date (I.e., on 28th only). My txn date was 7th January in two different mcc 4900 and 4814. Even though their email received by me (specifically mentioning my CRN number) dated 17th January (and before) asking me to pay utility bills to get 500 cashback.

For a fun, u can see in the screenshot they have prospectively updated t&c for 811 rewards. The date that yet to come... 5 months later. And they finally told me it's written in t&c while signing up for 811 account regarding reward they can do whatever they wish. If they want they can go in past, they can also go in future whichever time whatever they wish we cannot question them. Infact their t&c itself says they can even deny that own t&c if it suits them because web t&c s are sometime not the primary t&c.

Aap hi batao ayse logo ko kea samjhau aur kayse samjhau. Inko samjhate samjhate main mera samajh kho Raha hun. So stopped.

@Talkwithfino A thread is already there. So avoiding additional waste of my energy on this. Thanks for the suggestion.
Aniket
Aniket
Either fight legally or close the account/don't do anything leave it as it's and remain in peace. ✌️

They know nothing much gonna happen, that's why...
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Aniket
Aniket
Happy Lets Go GIF by Holler Studios
Kisi ko pata hai ke indusind ke IVR me customer executive se connect karne ka option kaha milega?
muze kisi be category me woh option nahi mil raha, dimag kharab ho rakha hai!!!!
R@J
R@J
Credit card wale me I remember bleakly - Go inside any option (statement/balance details)....and poori kahani batane k baad last me puchta hai, main menu/previous menu and officer se baat krne ka option)
TheTrickySid
TheTrickySid
@R@J abhi kisi bhi category me yeh option hi nahi mil raha hai
Previous Menu and Main Menu ke baad koi option nahi ata
RAMESH BABU N
RAMESH BABU N
Even ICICI has removed an option to talk to an Agent. Lunatic chaps running these Customer Care outfits.
ICICI CC credit limit can be lowered as per our wish. Currently, it takes less than 60 days for this change to reflect in CIBIL. Used to take upto 90 days. A fellow member also confirmed this a couple of days ago. Ref: https://www.technofino.in/community/threads/38732/

We can lower the limit upto 10% of max limit given to us. For example, if the given credit limit is 5lac, we can reduce it to 50k.

If we hold multiple ICICI CCs, each card can be configured its own limit.

Useful when applying for SBI CC that can reject applications due to over leverage!

The credit limit can be increased immediately upon approval of SBI CC.

Please follow the aforementioned thread to know how to lower credit limit on other banks' CCs.
Tejo
Tejo
Kotak too same
Ak Singh
Ak Singh
Will it affect in future for auto le pre approved offer from icici bank?
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Mr. Bean
Mr. BeanMr. Bean is verified member.
@Ak Singh Great question. That's yet to be seen. Twice I have lowered the limits. Once, I brought it back up within a month of reflecting in CIBIL. Currently, it is on-going. I am likely to keep this lower limit for a foreseeable future (at least until Diwali holiday sale when I am planning a big purchase, larger than the current limit). Will you everyone know if I get any auto LE before that.
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Late realisation: Came to know about HP Pay and installed the app today. Didn't give much attention to this earlier. Looks like there can be some good savings on fuel purchases using this app. Pls comment any useful threads on HP pay, how to use it, how to buy vouchers etc.
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Tonymathew
Tonymathew
Or else but hp pay voucher from gyftr using SBI CC or Any good CC (5% Disc on gyftr). Load it. Clear the bill using any good dc with rewards. Another 7.5%+ valueback
cardio_guy
cardio_guycardio_guy is verified member.
@Tonymathew Noticed that so many payment options are there: wallet, UPI, happy coins, paycode, zillion etc.

I had some zillion coins earned through twid. It was appearing in the app. Just redeemed it and it came to wallet.

Hp pay voucher is available at 3% cashback in hp-pay-gyftr. Plus I think hp pumps are offering 3 rs discount. Need to explore more.

Also good app, much better than Indian Oil ONE.
Tonymathew
Tonymathew
When adding to wallet via any mode of payment you get 9% Happy coins (2.25% valueback). When paying via HP pay another 3% coins (0.75% value back).

So if you want to load some extra amount before 31/3, buy some voucher at 5% disc, get 3% like above mentioned and pay off with a good dc.. 10.5% value back.

There is one more trick, which I don't know how many people know.. gyfter/yesbank, buy Amazon pay voucher for 1000, get 100 HP pay voucher free, via yes bank cards. if anyone wants, can try that too.. IDK how many times it can be redeemed, haven't tested it.
Using TFC from 35,000 ft, courtesy of Singapore Airlines' free in-flight internet.

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Hi when hdfc credits 12500 points for the renewal fee for infinia credit card..Please can someone help
FOR SALE:- (at 60% off)

A ₹200 off code on ordering from KEVENTERS through SWIGGY!
₹80 only.

NO MINIMUM order value.

🚨 Code valid till TOMORROW 11:59 pm.


SOLD!

DM!

Also, Swiggy BLCK invite available for ₹120.
Any problems in maxing out credit limit, apart from cibil score?
My hdfc credit limit is 1.52L and I have used 1,51,800. Will they charge any extra interest or something just because I used it full?
Hi,

From time to time and every month there have been so many offers going on on Sbi Rewardz and the same thread has been used to discuss these offers since September. I think it's better to use same thread again for any new offer and therefore I don't see a point in locking this thread.

@desiviru @6ix9ine @surojitlaha @pinki

Post in thread 'SBI Rewardz: Accelerated 5X/10X Reward Points under Monthly Campaigns. (No Offer Live Now)' https://www.technofino.in/community...campaigns-no-offer-live-now.31398/post-959017
D
desiviru
The world would've been a better place if people had understood.
2
2025
@6ix9ine @Aniket Bro,
Please understand, in a thread (particularly the large ones) it's not only the OP who contributed. Many others are equally contributing.
1. Many occasions some posts by others provide more detail information than op on the same issue.
2. Large thread are also outcomes of merging verious related threads (having many ops indirectly)
3. Often op ask a question and other answers that question. Answers are given not necessarily for the benefit of one person.
4. In public forum information archiving is the basic necessities. In private op can do whatever they want.

My view not against u based on my personal choice rather what is more appropriate.

Unknowingly this issue is related to my previous profile post. That has been addressed by TF family. I had only 50% expectations. Please create a thread to discuss what is most appropriate and see what majority people are saying. We should also respect others opinion. Thanks for understanding.
Ash8
Ash8
I do see the thread is unlocked now, thanks.
Brooo scammers send better sms than this😭🤣
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Quantum
Quantum
@Dragon_slayer
Meanwhile BOB keeps doing fd on my account and then automatically closes it after 1 week
Take that seriously if it is not auto-sweep and all.
They should not do that without your consent..
You could do a RBIO bamboo to BOB, and you should do it if even once BOB has done a FD on your account and closed it after a week, AND it was NOT auto-sweep.
Ram1
Ram1
@hender how about taking AIS report with 20L fd showing there and demand bank to withdraw fd and give amount or give premium cc based on that fd. Should Treat axis with their own medicine 😅
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H
hender
Axis Emp - Sir... M4B is ok with you...
You - NO.
Axis Emp again- Sir please adjust for now. ✅
@TechnoFino @Subhankar @bhavyegoel

Don't know why but my TF message counts and reaction score are getting reduced all of a sudden without any reason.

For reference: in last few hours about 70 messages and about 90 reactions erased.

Guys it's not about points. It's about our contribution getting erased.

If my posts are getting vanished then what's the meaning of all my posts and time spent here. I might quit.
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Edit: Just came to know it's related to deletion of one of the most active thread in TF history with 120+ pages (120*20 = 2400+ posts by about 300+ members). It is more likely that 300+ good posts by 100+ members are also impacted by this decision.

Information archiving (by closing further comments with a link to connected thread) in my view is a much better option to follow, if needed.

Logically speaking, when a thread becomes too large (30+ pages) it becomes an asset, it's no longer two three members contribution, it's a collective contribution of many members. It is not owned by anyone either. Therefore, personal decision of two or three members is not enough in such cases. Synchronisation of information with time is also necessary.

Hence, I oppose such action.

@Rkr @Pavvan @BVC @vaibhav111
@Vasuki @sidp @cardio_guy @Mr. Bean
D
desiviru
Shaant mere bhai, shaant. Hum yaha contribution ke liye hai. My sole purpose of being here is contribution no matter whether my score increases or not. Truly speaking I rarely check it.

Yaha se jaaney ka sochna bhi mat. Gaye toh bata ke jana ki kab aana hai waapas. 🤣
Mr. Bean
Mr. BeanMr. Bean is verified member.
While I noticed some reactions count going down a bit as well, I don't think any "normal" mod has access to all the changelog. Only senior mods (or admin/s) can help here.

That said, this kind of deletion happens with almost every forum that I have even been part of (either on the front end or the backend) in the past 25+ years, particularly any active forum. A common scenario is when we switch the forum software which is not the case here.

I'd suggest the admins to consider recognizing some people like "RAMESH BABU N" ji for their valuable contribution (like how sjmajumder was given "RBIO King" trophy, even though I'd have preferred a gender-neutral word) . In this way, when some content is deleted they don't feel any bad.
2
2025
Update: My posts and points are back. So as the thread under debate.
Thank you guys for your reply on this sensitive issue and understanding it on its core.
By the way, some of my very good TF friends had an opposite view on this issue.
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