Root Posted October 3, 2022 Report Share Posted October 3, 2022 54 minutes ago, 0verlord said: I heard that HDFC Millenia is pretty great for online shopping cashbacks, anyone has the card? As of today, SBI cashback beats all other cards 1 Quote Link to comment Share on other sites More sharing options...
dante77 Posted October 3, 2022 Report Share Posted October 3, 2022 How do you guys use SBI rewards? Amazon/flipkart e gift? And I have SBI simply click card, I am not aware of any cashback. Where to see this? Quote Link to comment Share on other sites More sharing options...
kaka_messi Posted October 5, 2022 Report Share Posted October 5, 2022 On 10/3/2022 at 10:02 PM, dante77 said: How do you guys use SBI rewards? Amazon/flipkart e gift? And I have SBI simply click card, I am not aware of any cashback. Where to see this? SBI cashback is a brand new credit card by SBI. You can put in a request to upgrade or provide a new card to you. I also have SBI simply click and SBI is in process of upgrading it to cashback card. Once I receive my cashback card, then I will disable the simplyclick card as I don't like keeping to many CCs. Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted October 11, 2022 Report Share Posted October 11, 2022 Guys need some help. Some my credit limit is 61k I want to get a product (on no cost emi) worth 81k So can i prepay 20k make the limit 81k and make the emi payment.? Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted October 11, 2022 Report Share Posted October 11, 2022 13 minutes ago, rushab oswal said: Guys need some help. Some my credit limit is 61k I want to get a product (on no cost emi) worth 81k So can i prepay 20k make the limit 81k and make the emi payment.? Tagging in regular CC guys @KunjanPSD @Bird Bird Bird Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted October 11, 2022 Report Share Posted October 11, 2022 14 minutes ago, rushab oswal said: Guys need some help. Some my credit limit is 61k I want to get a product (on no cost emi) worth 81k So can i prepay 20k make the limit 81k and make the emi payment.? Generally you can prepay and use the extra limit but a single transaction can't be more than your original CL. Though, it's a hit and miss scenario, differs for different banks. Plus RBI released over-use rules as well. Afaik SBI and CITI doesn't support a single txn > CL. For other banks, you will have to try but assume that it won't work. 1 Quote Link to comment Share on other sites More sharing options...
harsh1387 Posted October 11, 2022 Report Share Posted October 11, 2022 4 hours ago, rushab oswal said: Guys need some help. Some my credit limit is 61k I want to get a product (on no cost emi) worth 81k So can i prepay 20k make the limit 81k and make the emi payment.? Rather than prepay the card if you are buying the product from Flipkart or Amazon then the best way is to buy there gift voucher and redeem them in your account. So you can pay 20k from voucher balance and 61k from card. I did this in recent sale without any hiccup. Quote Link to comment Share on other sites More sharing options...
harsh1387 Posted October 11, 2022 Report Share Posted October 11, 2022 I received my Hdfc card today. However, they have misspelled my name on the card. Should I get it corrected or leave it for the time being? Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted October 11, 2022 Report Share Posted October 11, 2022 14 minutes ago, harsh1387 said: I received my Hdfc card today. However, they have misspelled my name on the card. Should I get it corrected or leave it for the time being? Corrected asap. Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted October 11, 2022 Report Share Posted October 11, 2022 1 hour ago, harsh1387 said: Rather than prepay the card if you are buying the product from Flipkart or Amazon then the best way is to buy there gift voucher and redeem them in your account. So you can pay 20k from voucher balance and 61k from card. I did this in recent sale without any hiccup. Its an offline transaction Quote Link to comment Share on other sites More sharing options...
iamX Posted October 12, 2022 Report Share Posted October 12, 2022 On 10/3/2022 at 2:43 PM, Root said: As of today, SBI cashback beats all other cards Does Amazon gift card purchase qualify for 5% cashback? Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted October 12, 2022 Report Share Posted October 12, 2022 On 10/3/2022 at 2:43 PM, Root said: As of today, SBI cashback beats all other cards Quote Link to comment Share on other sites More sharing options...
SuperT Posted October 12, 2022 Report Share Posted October 12, 2022 2 minutes ago, KunjanPSD said: Is the 5% cashback available even during sale period ? Also, did this card qualify for the SBI card discount during the dushera sale on Amazon ? Quote Link to comment Share on other sites More sharing options...
iamX Posted October 12, 2022 Report Share Posted October 12, 2022 1 hour ago, SuperT said: Is the 5% cashback available even during sale period ? Also, did this card qualify for the SBI card discount during the dushera sale on Amazon ? Don't think so. I saw posts on another forum where users had reported their SBI Cashback card not applicable for SBI exclusive discounts. 1 Quote Link to comment Share on other sites More sharing options...
Krazyniks Posted October 12, 2022 Report Share Posted October 12, 2022 19 hours ago, rushab oswal said: Its an offline transaction You can pay 20/21k to the store via cash/bank transfer and they can swipe your card for the remaining amount - 61k. You can ask them to check if you will get no cost emi on 61k or not before completing the transaction. But i wouldn't advise you fully utilise your credit limit on an emi transaction. It will negatively impact your credit rating for initial.few.months . 1 Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted October 12, 2022 Report Share Posted October 12, 2022 11 hours ago, SuperT said: Is the 5% cashback available even during sale period ? Also, did this card qualify for the SBI card discount during the dushera sale on Amazon ? SBI did dilly dally a bit this sale but in the end, both were applicable. 1 Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted October 12, 2022 Report Share Posted October 12, 2022 5 hours ago, Krazyniks said: You can pay 20/21k to the store via cash/bank transfer and they can swipe your card for the remaining amount - 61k. You can ask them to check if you will get no cost emi on 61k or not before completing the transaction. But i wouldn't advise you fully utilise your credit limit on an emi transaction. It will negatively impact your credit rating for initial.few.months . Pay the due amount 2 days before your bill is generated, credit score won't be affected. 1 Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted October 13, 2022 Report Share Posted October 13, 2022 21 hours ago, KunjanPSD said: Pay the due amount 2 days before your bill is generated, credit score won't be affected. Thats a nice tip thanks ! Quote Link to comment Share on other sites More sharing options...
SkinTightTuna Posted October 13, 2022 Report Share Posted October 13, 2022 On 10/11/2022 at 6:30 PM, KunjanPSD said: Generally you can prepay and use the extra limit but a single transaction can't be more than your original CL. Though, it's a hit and miss scenario, differs for different banks. Plus RBI released over-use rules as well. Afaik SBI and CITI doesn't support a single txn > CL. For other banks, you will have to try but assume that it won't work. I have tried OL txn with both SBI & CITI, and both went through just fine. Its Axis for me which creates trouble and wont let it through. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted October 13, 2022 Report Share Posted October 13, 2022 Just now, SkinTightTuna said: I have tried OL txn with both SBI & CITI, and both went through just fine. Its Axis for me which creates trouble and wont let it through. Axis just added new OL policy so it might work now. Also OL in terms of a single txn > CL? That has never worked for me. Quote Link to comment Share on other sites More sharing options...
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