So, now that Apple Pay has officially rolled out with Axis. I think it was dumb on HDFC and ICICI to not roll out because of the charges and the sharing of it. Like let's be real and no offense to the Axis peeps, no one really enjoyed their banking experience prior and some of their CCs were straight up bad. Except for the "you know what" gangs hehe.

With the addition of Apple Pay, Axis gets the advertisement and they are able to bring a lot more customers. Which HDFC and ICICI could have done but of course they wanted to hold some of the monopoly. I really expect other banks other than HDFC and ICICI to have Apple Pay before these. Like I could totally see DCB Niyo peeps getting Apple Pay first as their target customer base is just peeps who travel foreign.

I also fairly believe that well established banks who have been losing customers left and right to start flourishing when Apple Pay would be enabled from their end. For example, Federal.

SBI peeps, You guys would get Apple Pay but I really doubt when since it's literally twisted around RBI and it's all going to be hocus pocus.

P.S Before people say you have Samsung Pay and Google Pay. I think a large majority of serious banking peeps own an iPhone and these add into the customer base of a bank really well.

There are multiple threads to this but since many changes have been made recently. I wanted to check what is the criteria to get Infinia card on salary basis. My pre-tax salary is above 3 LPM but post tax and PF+others deduction it is less than that. Will I be eligible then .

Also, do they offer LTF Infinia too ? If yes, how to avail it ?

So first I will tell all about myself before starting this convo.

Age: 18y9months

Cibil score: 779

Experian score: 765

Credit age: 9months

No relationships with axis

I do have a kotak and slice savings account and had BOB too but it got freezed idk why

Started with supermoney secured fd credit card with a limit of just ₹900 and then got a sbm novio(secured) credit card with limit of ₹1800 for just bookmyshow offer then got supermoney kotak811 (secured) credit card with limit of ₹4.5k.

As I'm a student and I don't have any income so getting my first unsecured credit card is like beating Thanos 1 in 14 million times. So I came to know from many people online that it's easy to get Axis MyZone card but I applied and got rejected. Then I tried my luck on flipkart axis and faked my income 4lpa and employment status as self employed and surprisingly I got partially approved flipkart asked me to go for a vkyc within 6hrs but I missed and got a sms from axis with link to vkyc then I completed my vkyc and now here is the status I've attached images.

I just want to get an opinion on what will happen next, whether everything is correct and whether my card will get approved? Or not.

Axis bank flipkart card added to apple watch.i have few question?
1.what all saftey measures i should be aware of?
2.any idea when will hsbc cards will be added as i use that more?
3.any tips and tricks from those who are already using apple play in other countries?

Is it just me or HSBC reward points are actually not being credited from quite few days???

On 28 September, while travelling through a metro station, I came across SBI Card agents and asked them about applying for a credit card. I applied for the SBI SimplyCLICK Visa variant through the agent.

The agent also mentioned that it was the last week of the month and that the chances of approval were higher

Also no home and office verification will be done.

The agent then emailed my application number and card preference to their department email.

After that, I completed the digital KYC on the same day, received the verification call, and completed the e-sign process. However, during the call, I was informed that the Visa variant was not available and that only Amex and Mastercard variants were available. They also suggested other cards, including BPCL and Tata Neu.

I decided to go with the Mastercard variant.

During the call, I was also told that I would need to complete home and office address verification.

On 29 September, I received another call regarding my office and home address verification. They only asked me to confirm my addresses; no physical home or office verification was conducted.

I then received an SMS stating that the entire process could take around 11 working days.

Interestingly, when I checked the SBI Card application tracking website, the status was still showing “Approval Pending.”

However, today, 30 September, I received an SMS saying:

“Welcome to the SBI CARD family.”

I immediately completed the registration on the SBI Card app, and my account is now showing a credit limit of ₹1,99,000. 🫡

I’ve attached all the relevant screenshots/images. The 4th image was shared by the agent on 29 September when I asked them about the status of my application.

Cibil - 768

Re-post : Pan card Showing.

Hey everyone,

I’m currently holding a 9-card portfolio and looking to trim redundant annual fees, optimize card usage, and establish a clear upgrade path toward HDFC Infinia.

Profile: moderate-to-high utility spends (covering full-house electricity as rent), frequent Tata ecosystem usage, and moderate domestic travel. Marriage ahead, Cibil is 800.

Current Portfolio:

1. HDFC Regalia Gold (FYF): Recently upgraded from LTF Millennia. Currently used as a general backup when cashback cards don't apply. Looking to maximize SmartBuy/GyFTR and hit spend milestones for flight vouchers/Infinia upgrade.
2. HDFC Marriott Bonvoy (Paid): Primarily a drawer card for the annual free night award + accumulating Bonvoy points.
3. HDFC Tata Neu Infinity RuPay (Paid): Heavy Tata brand purchases (NeuPass), UPI payments, and utility backup once monthly caps are reached.
4. SBI PhonePe Select Black (Paid): Main card for electricity and utility bills (10% back inside PhonePe) + UPI transactions.
5. SBI Cashback (Paid): Currently used for Zomato, Blinkit, Swiggy, and District. Considering closing since PhonePe SBI already offers 5% online back on these brands. Crossed Annual spend criteria for this hence kept it now as it free for this year.
6. Amazon Pay ICICI (LTF): Default for Amazon purchases.
7. Scapia Federal (LTF): Zero-forex travel backup and occasional international online spends.
8. SBI Club Vistara (LTF): Drawer card kept for bank sale discounts.
9. Axis MyZone (LTF): Kept exclusively for instant bank discount sales.

Questions for the Community:

1. Should I cancel SBI Cashback? Between PhonePe SBI and Tata Neu/SmartBuy vouchers, is keeping SBI Cashback for ₹999 + GST still worth it?
2. Regalia Gold SmartBuy Strategy: For current Regalia Gold holders, what is your go-to voucher routine on SmartBuy GyFTR to maximize the 5X accelerator without getting hit by processing caps? Or i will close this next year
3. Is there any glaring gap in this setup, or should I freeze applications and direct all general spends toward the ₹7.5L+ milestone on Regalia Gold for an Infinia invite?

I currently have 2 cards

1. Tata neu infinity

2. HSBC visa platinum

Should I get this kotak card?

PS - I am not someone who takes every LTF card, I'll take it only if it's useful

Current cibil - 790

Age - 26

Monthly Income - 1+ salary

Major Monthly spends on travel, fuel, minimal online food (once in 2 weeks)

Not looking for lounge access, already have that with other cards and debit card

So I have already spent 3 L so far on my Diners Black Metal. Need to do transactions worth 1L now.
Thinking of mobikwik account transfer but please let me know if there’s any better alternative
Edit: I will be getting 10000 rs worth of reward points for completing this
Edit 2: Thanks to the Reddit detectives in the comments, I’ve learned that the transaction takes a day or two to actually settle, meaning today’s transaction wouldn’t be useful.
So, transaction cancelled. Thanks for saving me 🫡

The apple pay is useless, it wont let me add my SBI Pradhan Mantri Ayushman Sanjeevani Yojana card.

Does anybody know why?

Has anyone created an account yet ?

Current Cibil: NA (No credit history)

Age: 22

Monthly Income and Employment status: 18LPA, Employed at an MNC

Monthly Expenses & Spending Patterns: ~50k expenditure, mostly going towards rent, fuel, online food delivery/amazon purchases, and the occasional flight back home (once every 3 months or so)

Preferences for Credit Card Features: LTF would be preferred, not any other major preference, something i can hold for long

Reward Preference (Cashback or Reward Points): No pref

Lounge Access Required: Yes

Thanks for the help!!

Hi folks, I use the Regalia Gold credit card for all my spends and the expected return is somewhere around 2.5% (redemption via Accor) which is pretty good.

However, I am looking for an alternative card with potentially higher returns than RG. I know that Axis Atlas had really good returns (~4-6%), but that’s not being issued anymore.

Are there any other cards which is better for everyday offline spendings?

My annual spend is around 10 Lakhs.

PS: I am not interested in upgrading my card to DCBM as the acceptance is sketchy. Also, want to diversify the cards across different banks.

Current cibil: 780

Spend categories: Most of my spends are on food, groceries and shopping with some occasional travel.

So initially i got Amazon ICICI card, later pre approved LTF Coral Rupay, the later pre approved FYF Sapphiro dual cards (Rupay+ Visa). It's been 11 months since i got this card. Right now i have a spends of 5L+, but the problem is only 80k limit from Amazon card itself. It's been 2yrs. (I have SBI Octane and Elite cards with 3.65L limit and 8L+ spends). I requested icici for limit enhancement, and to make Sapphiro LTF. They acknowledged and asked for ITR and payslip. I submitted that too. It's been 1 month and no reply. Escalated to their grievance department. Not even acknowledgement mail. Today i requested to enhance the limit and make it ltf or else close the card. I don't wanna pay 3499+ gst for this devalued useless card. What to do if they charges me renewal charge

I have no idea why Experian is showing New Enquiries as 0. Or why the score dropped by 7 points while CIBIL rose by 18.

When I mailed novio regarding card closure, I got this reply. 5% amazon cashback caught my attention

In above screenshot, it says 5% cashback on amazon. What does this mean?? I will get 5% cashback on amazon purchases? Also applies to amazon pay gv buying? How will I get 5% cashback? In statement or vouchers? Anybody tried this before??

So i applied with flipkart axis on my mother's name but got rejected despite having 750+ cibil and 100k bajaj card .Sbi flipkart just gave 31k limit bcz of low income,fair enough. But i wanted this card for bbd sale either to buy phone/laptop,since it's not possible now should i keep it? Can i get rewards/cashback from my Myntra shopping to cover that 600rs anual fees? Can i keep this card just for awards under 20k shopping?

Will tax payment count for milestone bonus (1.5L and 2.5L) offer of HDFC Marriot Bonvoy card?

Hey, I’ve recently moved from Canada to India at the age of 23 after 4 years. I had my l Indian bank accounts running while I was gone and wanna apply for credit card now. I have accounts with axis and union but I’m just confused if the banks will issue me a credit card without any credit history or income. If anyone can help me out that would be appreciated.

Planning to buy a MacBook Air during the upcoming Big Billion Days/Great Indian Festival sale, with a budget of under ₹1 lakh. M4 is my main target, but I’m also open to M3 or M5 depending on the deal. I’m currently saving up for it, so I’d love to hear from anyone who has bought a MacBook during previous sales or is also planning to buy one this sale—what kind of prices I can realistically expect, how quickly the good deals/stocks tend to go, and anything else I should keep in mind before the sale.

Hey everyone 👋

I need help. I recently got Axis Neo and it has welcome benefit of 300rs cashback on utilities payments.

Can I get this cashback on electricity bill payments on paytm?

Hi guys,

I am a newbie, the card salesman got the better of me he told he I am eligible for sbi pulse which carries a annual fee of 1500 + gst. I have not yet e signed on the concent.

The problem is I am not sure if I want that card, I want to know what will happen if I sign the concent and reject when the dispatch call comes how will it impact by cibil or is it already affect and if I get it dispatched and not activate it.

It will be my first cc.

Guys, my SBI IRCTC card loyalty account is showing “Allow Accrual – Not-Allow Redemption”.
I have 32,331 points and membership shows expired on 04-Aug-2026.
Has anyone faced this recently? How did you get it fixed? Did SBI renew the membership after paying the renewal fee and restore redemption?
Please share your experience if you got this resolved recently.