SkinTightTuna Posted October 13, 2022 Report Share Posted October 13, 2022 Just now, KunjanPSD said: 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. Yeah a single txn. Quote Link to comment Share on other sites More sharing options...
dante77 Posted October 13, 2022 Report Share Posted October 13, 2022 I received a call from SBI some time back to increase my credit limit, I refused as I was not in good mood or something like that. I think I was in the process of cancelling my other SBI card. Is there any way I can maybe raise a request to upgrade limit to my SBI card? I have simplyclick. Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted October 14, 2022 Report Share Posted October 14, 2022 10 hours ago, dante77 said: I received a call from SBI some time back to increase my credit limit, I refused as I was not in good mood or something like that. I think I was in the process of cancelling my other SBI card. Is there any way I can maybe raise a request to upgrade limit to my SBI card? I have simplyclick. Can be done via SBI website. But the limit upgrade will be far lower than what they offered. They offered me 1.10l limit upgrade but i said i dont need it. Now when i manually asked them they increased it from 55000 to 61000 lol XD Quote Link to comment Share on other sites More sharing options...
dante77 Posted October 14, 2022 Report Share Posted October 14, 2022 Shoot. I wonder why are they giving so less limit when I have 4+ and 3+ lacs limit on my hdfc and icici card. For SBI I only have 50k limit. Couldn't even get a pixel if I wanted to. Quote Link to comment Share on other sites More sharing options...
Root Posted October 14, 2022 Report Share Posted October 14, 2022 On 10/12/2022 at 11:35 AM, iamX said: Does Amazon gift card purchase qualify for 5% cashback? Yes. You can buy via https://www.gyftr.com/sbicard or https://www.gyftr.com/sbiyono Quote Link to comment Share on other sites More sharing options...
Root Posted October 14, 2022 Report Share Posted October 14, 2022 On 10/12/2022 at 11:35 AM, iamX said: Does Amazon gift card purchase qualify for 5% cashback? Yes. You can buy via https://www.gyftr.com/sbicard or https://www.gyftr.com/sbiyono Quote Link to comment Share on other sites More sharing options...
Root Posted October 14, 2022 Report Share Posted October 14, 2022 On 10/12/2022 at 11:35 AM, iamX said: Does Amazon gift card purchase qualify for 5% cashback? Yes. You can buy via https://www.gyftr.com/sbicard or https://www.gyftr.com/sbiyono 1 Quote Link to comment Share on other sites More sharing options...
Krazyniks Posted October 14, 2022 Report Share Posted October 14, 2022 On 10/13/2022 at 12:36 AM, KunjanPSD said: Pay the due amount 2 days before your bill is generated, credit score won't be affected. He plans to take no cost EMI option. Paying 1 installment before bill generation would still mean outstanding Bal is high. And Paying whole amount before bill kinda negates the purpose of going for no cost EMI option . So not sure how this will help . Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted October 14, 2022 Report Share Posted October 14, 2022 45 minutes ago, Krazyniks said: He plans to take no cost EMI option. Paying 1 installment before bill generation would still mean outstanding Bal is high. And Paying whole amount before bill kinda negates the purpose of going for no cost EMI option . So not sure how this will help . For no cost EMIs, the whole amount is deducted and then credited back for verification, there won't be outstanding balance for the whole amount. Quote Link to comment Share on other sites More sharing options...
0verlord Posted October 21, 2022 Report Share Posted October 21, 2022 My 1st credit card expired and I got the replacement credit card. What is it that you exactly do so that old CC is officially out of commission and new card is activated? HDFC card hai Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted October 21, 2022 Report Share Posted October 21, 2022 1 hour ago, 0verlord said: My 1st credit card expired and I got the replacement credit card. What is it that you exactly do so that old CC is officially out of commission and new card is activated? HDFC card hai You just need to make a payment on the new card. That's it, rest will be handled by HDFC. 1 Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted October 30, 2022 Report Share Posted October 30, 2022 Peeps, looking for a CC (not DC, not Niyo) with minimum forex markup. Onecard was working fine (1% IIRC) until they moved my card to BOB Fin, and international transactions stopped working. Raised multiple complaints - they kept blaming all merchants, and I closed the card eventually. There's RBL World Safari, but I have heard horror stories about RBL, so treading cautiously. Any other options ? Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted October 30, 2022 Report Share Posted October 30, 2022 29 minutes ago, Bird Bird Bird said: Peeps, looking for a CC (not DC, not Niyo) with minimum forex markup. Onecard was working fine (1% IIRC) until they moved my card to BOB Fin, and international transactions stopped working. Raised multiple complaints - they kept blaming all merchants, and I closed the card eventually. There's RBL World Safari, but I have heard horror stories about RBL, so treading cautiously. Any other options ? Don't look at just lowest forex markup. Look at the net reward rate post forex charges + GST. For example: HDFC Infinia has 2% markup + gst but you will get 4.3% in reward rate with Global Value program, so in net, you will be better off. Similarly if you bounce for Axis Reserve, you get 1.5% + GST but 12% RR on forex transactions, so in net, you are way better off. It depends on how much you spend on forex annually to justify paying such premium CC fees. Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted October 30, 2022 Report Share Posted October 30, 2022 10 minutes ago, KunjanPSD said: Don't look at just lowest forex markup. Look at the net reward rate post forex charges + GST. For example: HDFC Infinia has 2% markup + gst but you will get 4.3% in reward rate with Global Value program, so in net, you will be better off. Similarly if you bounce for Axis Reserve, you get 1.5% + GST but 12% RR on forex transactions, so in net, you are way better off. It depends on how much you spend on forex annually to justify paying such premium CC fees. Not looking for such premium cards tbh as can't justify the high fee. Also, FWIW, RBL said I am not eligible to apply for World Safari. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted October 30, 2022 Report Share Posted October 30, 2022 17 minutes ago, Bird Bird Bird said: Not looking for such premium cards tbh as can't justify the high fee. Also, FWIW, RBL said I am not eligible to apply for World Safari. Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted October 30, 2022 Report Share Posted October 30, 2022 36 minutes ago, KunjanPSD said: I am surprised Onecard is not on the list tbh. 1% markeup only. Had they not f**ked up my transactions, I wouldn't even be looking elsewhere. Everything else seems super expensive, not worth the amount. Will stick to 3.5% markup for now. Sigh. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted October 30, 2022 Report Share Posted October 30, 2022 31 minutes ago, Bird Bird Bird said: I am surprised Onecard is not on the list tbh. 1% markeup only. Had they not f**ked up my transactions, I wouldn't even be looking elsewhere. Everything else seems super expensive, not worth the amount. Will stick to 3.5% markup for now. Sigh. Onecard has been having issues, that's why it was left out of the list possibly. Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted October 30, 2022 Report Share Posted October 30, 2022 19 minutes ago, KunjanPSD said: Onecard has been having issues, that's why it was left out of the list possibly. It was working fine with Federal and SMB. Their BOB partnership killed things for me. Plus their bots are useless. IDFC Wealth has 1.5% markup, but not letting me apply. Quote Link to comment Share on other sites More sharing options...
playstationdude Posted October 30, 2022 Report Share Posted October 30, 2022 2 hours ago, Bird Bird Bird said: Also, FWIW, RBL said I am not eligible to apply for World Safari. Stop removing people's kidneys 1 1 Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted October 30, 2022 Report Share Posted October 30, 2022 Just now, playstationdude said: Stop removing people's kidneys It's because I have the now shitty RBL Zomato card. Super devalued. Not a fan of RBL - trying to get hands on IDFC Wealth CC. 1.5% markup. Tolerable. LTF. Quote Link to comment Share on other sites More sharing options...
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