Mr_Mediocre Posted August 16, 2023 Report Share Posted August 16, 2023 1 hour ago, 0verlord said: I have an HDFC credit card. I increased the credit limit every time they offered me but I missed out on upgrading the CC when I got the email from them 1-2 years ago. Now I want to ask them whether I am eligible for upgrade. I have Imperia banking. Should I call my RM or CC customer care for CC upgrade? will gather and share details in DM but after a few days, next week may be. Thanks RM might/might not help. Do ask the RM but also send a mail to CC dept. for the same. Quote Link to comment Share on other sites More sharing options...
montsa007 Posted August 16, 2023 Report Share Posted August 16, 2023 17 minutes ago, KunjanPSD said: You are using Amex incorrectly then. If you want cashback, stick to Neu. Maybe will apply for Neu in future, back when I applied for Amex, there weren't much options. Quote Link to comment Share on other sites More sharing options...
SuperT Posted August 16, 2023 Report Share Posted August 16, 2023 1 hour ago, 0verlord said: I have an HDFC credit card. I increased the credit limit every time they offered me but I missed out on upgrading the CC when I got the email from them 1-2 years ago. Now I want to ask them whether I am eligible for upgrade. I have Imperia banking. Should I call my RM or CC customer care for CC upgrade? will gather and share details in DM but after a few days, next week may be. Thanks Send an email to Grievance.Redressalcc@hdfcbank.com What is your current limit and which card do you have ? Quote Link to comment Share on other sites More sharing options...
kaka_messi Posted August 17, 2023 Report Share Posted August 17, 2023 Which card (mentioned below) should I choose if I want to do a whole month expanse on credit cards only? The only place where I will not use the card is fuel part. From the cards I am carrying right now, I am confused between SBI Cashback and HDFC Regalia. HDFC Infinia is kinda under process as per my RM. So need to pick only one of the available 2. Which one will provide better rewards? Quote Link to comment Share on other sites More sharing options...
Mr_Mediocre Posted August 17, 2023 Report Share Posted August 17, 2023 37 minutes ago, kaka_messi said: Which card (mentioned below) should I choose if I want to do a whole month expanse on credit cards only? The only place where I will not use the card is fuel part. From the cards I am carrying right now, I am confused between SBI Cashback and HDFC Regalia. HDFC Infinia is kinda under process as per my RM. So need to pick only one of the available 2. Which one will provide better rewards? Cashback. 1 Quote Link to comment Share on other sites More sharing options...
kaka_messi Posted August 17, 2023 Report Share Posted August 17, 2023 5 hours ago, KunjanPSD said: Cashback. Is there any other credit card that I should apply for which will be great if I want to use it like I have mentioned above? Axis, AMEX, etc.? Any? Quote Link to comment Share on other sites More sharing options...
Mr_Mediocre Posted August 17, 2023 Report Share Posted August 17, 2023 3 hours ago, kaka_messi said: Is there any other credit card that I should apply for which will be great if I want to use it like I have mentioned above? Axis, AMEX, etc.? Any? I will need to know your approximate spend amount and type of spends. Can vary a lot. Also, cashback vs hotel/air-mile points is a completely different debate, both have merits & drawbacks in reward vs convenience. Feel free to DM if you want to discuss at length for your spends. Quote Link to comment Share on other sites More sharing options...
harsh1387 Posted August 17, 2023 Report Share Posted August 17, 2023 On 8/16/2023 at 12:55 PM, montsa007 said: Maybe will apply for Neu in future, back when I applied for Amex, there weren't much options. If you apply for Neu do remember to get it from Tata neu app. Fyf will be there and you can ask them to make it LTF as well. Mine is LTF. If you are using Amex then look at it completely through Reward points. With some planning it's manageable to hit monthly milestones. 1 Quote Link to comment Share on other sites More sharing options...
Mr_Mediocre Posted August 17, 2023 Report Share Posted August 17, 2023 51 minutes ago, harsh1387 said: If you apply for Neu do remember to get it from Tata neu app. Fyf will be there and you can ask them to make it LTF as well. Mine is LTF. If you are using Amex then look at it completely through Reward points. With some planning it's manageable to hit monthly milestones. Did you get it when they were offering it LTF or converted it later by mailing Infinia team? Quote Link to comment Share on other sites More sharing options...
dylanjosh Posted August 18, 2023 Report Share Posted August 18, 2023 (edited) Guys is there any use to using Cred to do credit card payments these days?? Is there anything else that's better to use? Edited August 18, 2023 by dylanjosh Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted August 18, 2023 Report Share Posted August 18, 2023 12 hours ago, KunjanPSD said: Did you get it when they were offering it LTF or converted it later by mailing Infinia team? I got LTF by mailing them that i cannot see LTF option which i was seeing before, they said must be a glitch and they will fix it and they fix it , i dont even match the eligibilty criteria XD 40 minutes ago, dylanjosh said: Guys is there any use to using Cred to do credit card payments these days?? Is there anything else that's better to use? You can have some timepass spinning random jackpots and apart from them nothing. Better - honestly nothing RN , Except hdfc millenia debit card which will get you 1% cashback upto 400 per month. 1 Quote Link to comment Share on other sites More sharing options...
Root Posted August 18, 2023 Report Share Posted August 18, 2023 41 minutes ago, dylanjosh said: Guys is there any use to using Cred to do credit card payments these days?? Is there anything else that's better to use? Cred is good for their reminders and also flagging any incorrect chargers, I was charged late fee by HDFC though I made payment on time if not for cred I would have missed it. I use Cred & Paytm for cc paying because they allow payment using debit card, cheq was short lived. Quote Link to comment Share on other sites More sharing options...
Mr_Mediocre Posted August 18, 2023 Report Share Posted August 18, 2023 45 minutes ago, dylanjosh said: Guys is there any use to using Cred to do credit card payments these days?? Is there anything else that's better to use? Stick to Cred. Or just setup Autopay for all of your cards via DC. Quote Link to comment Share on other sites More sharing options...
harsh1387 Posted August 18, 2023 Report Share Posted August 18, 2023 15 hours ago, KunjanPSD said: Did you get it when they were offering it LTF or converted it later by mailing Infinia team? Fyf was showing in app when I applied. Mailed them with LTF screenshot stating I applied in this offer. They replied back it's ltf. Quote Link to comment Share on other sites More sharing options...
harsh1387 Posted August 18, 2023 Report Share Posted August 18, 2023 3 hours ago, dylanjosh said: Guys is there any use to using Cred to do credit card payments these days?? Is there anything else that's better to use? Best is if you have an account with hdfc. Get their easy shop Platinum debit card. It's chargeable per year and free with some savings account m Make all credit card payment via hdfc bill pay using this debit card and you get 1% cashback. However you can't make hdfc credit card payment with this method and have to use mobikwik for that to get 1% cashback. Quote Link to comment Share on other sites More sharing options...
Root Posted August 18, 2023 Report Share Posted August 18, 2023 3 hours ago, KunjanPSD said: Stick to Cred. Or just setup Autopay for all of your cards via DC. How to setup using DC? Quote Link to comment Share on other sites More sharing options...
Mr_Mediocre Posted August 18, 2023 Report Share Posted August 18, 2023 17 minutes ago, Root said: How to setup using DC? In your bank account, attach CC with your DC. Bank will get notification of bill, autopaid. Quote Link to comment Share on other sites More sharing options...
dylanjosh Posted August 18, 2023 Report Share Posted August 18, 2023 11 hours ago, rushab oswal said: I got LTF by mailing them that i cannot see LTF option which i was seeing before, they said must be a glitch and they will fix it and they fix it , i dont even match the eligibilty criteria XD You can have some timepass spinning random jackpots and apart from them nothing. Better - honestly nothing RN , Except hdfc millenia debit card which will get you 1% cashback upto 400 per month. 11 hours ago, Root said: Cred is good for their reminders and also flagging any incorrect chargers, I was charged late fee by HDFC though I made payment on time if not for cred I would have missed it. I use Cred & Paytm for cc paying because they allow payment using debit card, cheq was short lived. 11 hours ago, KunjanPSD said: Stick to Cred. Or just setup Autopay for all of your cards via DC. 8 hours ago, harsh1387 said: Best is if you have an account with hdfc. Get their easy shop Platinum debit card. It's chargeable per year and free with some savings account m Make all credit card payment via hdfc bill pay using this debit card and you get 1% cashback. However you can't make hdfc credit card payment with this method and have to use mobikwik for that to get 1% cashback. Thanks guys. Did cred payment only. Quote Link to comment Share on other sites More sharing options...
Mr_Mediocre Posted August 19, 2023 Report Share Posted August 19, 2023 HDFC Gyftr now down to 10k/month Apay and ASV vouchers. PT was worth it. 1 Quote Link to comment Share on other sites More sharing options...
Mr_Mediocre Posted August 19, 2023 Report Share Posted August 19, 2023 Finicky, behaviour keeps on changing and different for different people. Lol. Quote Link to comment Share on other sites More sharing options...
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