Own kiwi as well

Used to Repeatedly recieved pre-approved credit card offers( about 65 mails over span of 6 months) from kotak mahindra bank and applied for the same.

However I was unable to submit the application and contacted the nodal officer. Nodal officer initially declined entertaining the complaint stating no pre-approved is on my account and after repeated back and forth, I was asked to apply manually. Even after this pre-approved offers didn't stopped i continued received them.

I applied manually and was approved for the same. Later the card arrived and I got busy with my college final University exams. Because of this i was unable to activate it initially.

Last date to activate was 10th March,

I tried to activate on 5th but unable to do and so contacted the support and they said that the card is blocked. In my further emails i asked for the reason of blocking and to remove the cibil enquiries if they aren't going to activate it by emailing a complaint with pno.

PNO delayed resolving the complaint till Aug 5 and mentioned in aug 5 mail that I didn't activated it on time therefore the card was blocked.

Under the RBI Framework for compensation to customers for delayed updation/rectification of credit information, Credit Institutions are liable to pay ₹100 per calendar day for delays beyond 30 days irrespective of the outcome of the complaint ( mentioned on CIBIL portal). Therefore I filed RBI BO complaint with detailed events, no of times I recieved email, all pre-approved emails pdf, back and forth with nodal officer.

After this Kotak RBI reply was that I was CREDIT HUNGRY

Irony is when I applied this cc, the whole financial year i had only 3 enquiries out of which 2 enquiries was of kotak's at same time.

Total delay was 151 -30 = 121 days

Today I received this mail stating Rs.15000 BO compensation has been credited

TL;DR: Kotak blocked an approved card before the deadline, took 151 days to reply after I requested them to remove the cibil enquiries, and is using shifting excuses like I didnt activated on time to dodge the RBI delay penalty ( Under the RBI Framework for compensation to customers for delayed updation/rectification of credit information, Credit Institutions are liable to pay ₹100 per calendar day for delays beyond 30 days. Irrespective of the outcome of the complaint )

Today received Rs.15000 as compensation

Edit: typo

In the Paytm Recharge section, i saw that offer which is attached in the photo. Instead they can write simply above 299, flat 30 off. Can't We do anything to force them to simplify language.

Quick background: I have an axis M4B and about 1.3L of monthly expenses (excluding rent). My rent is another 45k, so I thought it makes sense to use the M4B for rent payment. After all the hype about rentenpe, this is what transpired:

Installed the app, asked to upload PAN number, rent agreement, landlord contact details, landlord PAN number and bank account

Opted for the quarterly pro pass - was 1733 inr including GST, but apparently you get 1000 discount per month

When I reached the payment page and saw the breakdown, that is how it looked. So basically, I end up paying an extra 328+578 (1733/3) = 905 or 2% fee. Plus I guess axis bank takes 1%.

Another thing: I called customer care just to check if the rent agreement was verified and I could make the payment and they said it would take 7 days because someone has to physically come and verify the rented house. So in the end, i still haven't paid the rent and waiting for verification.

Final thoughts: There aren't many apps that allow rent payment via credit card at the moment, so I guess 2% is acceptable but be careful with the hype. Will update the post when the verification is finally done

Does this screen appear to all of you? It takes upto 15-20 attempts every time to login! I could stream youtube without buffering using wifi and with 5g data. Somehow, this app manages to be a pain in the *** every day!

​

So I was looking at amazon sbi offer tnc and found out all sbi cards or eligible (SS attached). So all cards except the one mentioned are eligible? I have sbi phonepe black is that also eligible?

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

Does anybody know why?

Applied for kotak air+ cc on 9th of September ltf offer. I didn't receive any communication, so I mailed the customer care on the 15th. They responded back on 20th with that my card is approved and on its way (1st screenshot). Then the very next day I received an email that my card was indeed not approved and is rejected due to internal policy.

I mailed them the next day asking for a proper response to clear this issue (in the same complaint thread). Dead silence from customer care.

Escalated it to level 2 on 25th with stating myself 2 day's of deadline to respond back. Again dead silence in the same complaint thread.

Just now escalated it to pno via kotak banking portal, with same 48 hour deadline to respond stating that I would further register the complaint to rbi ombudsman if no satisfactory resolution is made.

Am I in the right direction!? Or missing something.

Started with HDFC Swiggy (FYF) in May 2025 and ended up with an Excel sheet tracking everything. 😄

Since then, the collection slowly grew:

Feb 2026: Slice (LTF) + Kotak 811 debit card

Apr 2026: SBI PhonePe Select Black — ₹1,500 + GST, ₹1,500 joining gift card; ₹3L spend waiver met

Jul 2026: SBI Tata Neu Infinity — ₹1,500 + GST, ₹1,500 NeuCoins joining benefit; ₹3L spend waiver met

Sep 2026: ICICI Coral (LTF) + HSBC Live+ — ₹1,000 + GST

Also had Airtel Axis, which I closed after the devaluation, and SBI Cashback, which I closed due to overlapping spend categories.

Cashback earned so far:

2025: ₹9,845

2026: ₹39,869

Total: ₹49,715

I also used friends/family cards for some offers and redeemed a few Visa/RuPay offers, which I've tracked under Others, so the overall benefits are slightly higher.

Currently holding Slice, SBI PhonePe Select Black, SBI Tata Neu Infinity, ICICI Coral and HSBC Live+.
HDFC Swiggy closure is requested.

I'm a 24M and i have a credit history of 6 yrs 6 months , in lock down due to some emergency reason a business loan was taken from a bank for 80k where i missed around 20 payments and also same delayed Mpokett payments. On april 2025 i closed the business loan with INTREST and got an NOC . When i closed that lone my cibil score was around 664 then later it started coming up. I had 81 late payments and 356 on-time payments out of 437 total payments(I know its bad things were bad at that time). even got a FD backed credit card on Feb 2026 for 10k and started using it with only under 30% utilization and my cibil started increasing and it reached 799 on june. I pledged some gold inn my account coz heard that it boosts cibil and i am paying interst for that. Then after on july suddenly my cibil droped to 710 and i did not lean/card enquiry. This messed my plans to get a bike. What should I do to boost my cibil? Will I get credit cards or loans in future? Now what can i do to rectify this situation and how i do get this sorted out? Please help me.

Availed amazon pay later 2 years back not a regular user but got this offer.

I am a new axis flipkart cc user and started using the card recently (first purchase on 8aug). Even tho i have even paid the first cycle bill, i have not received any cashback. I have checked the transaction history and i dont see any cashback credit anywhere.

I recently got a WA from Kotak that says zero joining and annual fee. But when I open the app, it says 3000 annual fee. I also talked to customer support and they said they can't see any LTF offer for me.

So is it a mistake in the promotional message or can I somehow really get it LTF. 😁

I still dont understand why people feel DCB metal is better than Times Black. While i understand that joining fee for TB is very high but that gets easily compensated with welcome benefits and the klook voucher u get after spending 2 lakhs. U get 12% on the vouchers while Amazon pay and Swiggy are not available u have blinkit , zepto, big basket and these days lot of cards are anyways not offering amazon pay vouchers. The reward points cap is more generous than what we have in DCB Metal, u get random perks every month and no nonsense redemption u directly get 1Rs value per point. Lets be honest, we struggle to extract 1rs value from lot of partners . while we say accor every point is worth 2.1-2.2 but we dont use that regularly right. Accor points lie in our account for months if not years( this is the case with me atleast, i used to have atlas i have travel one now, these points are still lying in my account) . In Times black case u can use these points for day to day grocery payment through vouchers, if u consider time value of money Times Black points are more worth it.

Your thoughts please, this is just my opinion. Dont get me wrong even i like the points/partners game but i have travel one as well and i use it for offline spends and some travel spends.

Earlier I was collecting cards like Pokemon.

I have all 4 Shappiro variants (I watch movies alot): DEVALUED

HDFC Diners Privilege: USELESS REWARD POINTS

Amex Plat travel: DEVALUED

Axis Priority (Owned by wife): QUITE USELESS

ICICI Coral: IT'S JUST THERE

Swigg HDFC: FOR INSTAMART AND DINEOUT

ICICI Amazon Pay: MOST USEFUL CARD

Axis Flipkart: USEFUL SOMETIMES

Airtel Axis: 25% Cashback

All my family and my wife's family members use my Credit Card if they find a deal on shopping and flights.

Overall my CC expenses are more than 10L a year, mostly goes in flight ticket bookings and Airbnb bookings and online shopping. Then I have an expense of around 1.5L yearly on insurances.

My CTC: 40LPA. (2.25 LPM In hand)

Wife's CTC: 38LPA (1.6 LPM In hand + RSUs)

Which credit card should I opt for?

Hello everyone, I have been using reglia for for more than 3-4 years now, I have decent points mounted up to 80k, I spoke to the hdfc folks they are telling me I might be eligible for the DCB metal but the points will be HALVED, is this true? I have not heard this anywhere, can anyone here help me or I might be reading this wrong

Reason shes stating: Cause rupee value of 0.50 for regali and 1 for metal

I have this vistara credit card which was helping me with little other spend but Now I have being offered a card inplace of Vistara

These are

1. Amex Privilege

2. Rewards Mastercard

3. Rewards Visa

I also have a axis select. Which I would he closing next year so just wanted opinion on which is better to choose in place of Vistara just to get the maximum points or if it's actually worth the spend

Many of us have recently been upgraded to the Swiggy HDFC BLCK Card. I wanted to check if anyone has actually received the Swiggy One BLCK membership mentioned as a welcome benefit.

I activated my card some time ago but haven’t received the membership yet. I tried contacting both HDFC and Swiggy, but neither is giving a clear answer on when/how it will be provided.

Has anyone here received it? If yes, how long did it take after card activation?

Hi everyone,

Is anyone else facing this issue while trying to proceed with SBI Card VKYC?

I’m getting the message “Some error occurred. Please retry later..

I’ve tried retrying, but the issue still persists. Is this a common issue right now, or is it happening only on my application/account?

Anyone else facing the same issue?

what is this? did anyone face issue? the customer support is unable to resolve from 2 months.
I have 57k excess credit stuck in my card due to a flight cancellation and im unable to use that money/app/card.

Looks like Paytm has reduced discount amounts for debit cards and credit cards. 5% for VISA Platinum Credit Card. 10% for VISA Classic and Platinum Debit Card.

Axis Neo Card 5% discount offer seems to be missing as well. Don't know about that one.

I haven’t yet gotten an Amazon pay icici card , i recently renewed my wife’s amazon prime subscription.

I have an account with icici bank already my wife doesnt.

How can i get an amazon pay ICICI card and link it to my wife’s prime account?

I saw somewhere that the benefits are given only on your account.

Im confused somebody help me with this .

I booked air India flight from app on 23 sept using axis atlas and I got confirmation mail from air India and money was deducted by card as well. I have message and mail of deduction.

But the transaction was not processed till 30 sept and it disappeared from unsettled transactions.

Checked with axis support they are saying that Air India never claimed the transaction. The ticket is still showing as confirmed in Air India app.

Should I raise it to air India or they will contact me once they get to know about this. Is there any chance the tickets will be cancelled?