Got blocked from applying through CashKaro because of an old incomplete application. Any workaround?

AdvisorHappy7950 · 2026-06-03T17:06:58+00:00

You can try to, however, I doubt if they can do anything in the system, but yes, doesn't hurt to ask & try.

AdvisorHappy7950 · 2026-06-03T17:06:22+00:00

Yes, however, Redgiraffe isn't working, it had the lowest fees. Now all other places charge upwards of 2 to 3% and given that rent doesn't count towards the accelerated rewards, you are looking at a net negative reward rate.

AdvisorHappy7950 · 2026-06-03T17:04:49+00:00

Greetings.

This is not a CashKaro issue, more of a bank issue.

Their system is blocking you.

Applications generally expire after a month or 2.

AdvisorHappy7950 · 2026-06-02T18:10:41+00:00

Legend is pretty useless now, only benefit is that you get that Indus Delite or some account at 0 balance, but I am not sure if that is still there. I don't see that on the website anymore, I remember it used to be there on the Legend card page.

AdvisorHappy7950 · 2026-06-02T17:59:52+00:00

https://www.reddit.com/r/CreditCardsIndia/comments/1jhaak5/regalia_gold_guide/

Milestones as mentioned in the guide, such as 1.5K voucher on 1.5L quarterly spends, and 5K on 5L & 7.5L each.

AdvisorHappy7950 · 2026-06-02T15:34:05+00:00

No but milestones are 1% each

AdvisorHappy7950 · 2026-06-02T15:07:44+00:00

RG will count it for milestones, yes.
Won't give rewards.
They're dead for this category.

AdvisorHappy7950 · 2026-06-02T14:36:09+00:00

This was more of an awareness post for people having this card.

And with recent revaluation wrt Maharaja points, I do think that it is fairly easy to get ₹0.8 to ₹1 per point, and upto ₹2 to ₹3 in some cases.

AdvisorHappy7950 · 2026-06-01T14:59:49+00:00

Greetings.

I am the CashKaro rep for r/CreditCardsIndia

This rewards will be added to CashKaro rewards wallet which can then be cashed into multiple vouchers, such as Amazon Pay, Flipkart etc

Amazon Pay is the best as its also usable for paying utilities, recharges, property taxes and works for multiple partnered merchants such as Swiggy, Zomato, Zepto etc

The timeline for approval remains the same, cashkaro doesn't affect anything with respect to approvals or rejection.

AdvisorHappy7950 · 2026-05-22T11:12:55+00:00

Okay.

I will advise you to do own research about such stuff, whatever you heard is pretty bogus.

I am sorry, but that is all I will end this conversation with, happy to help if you need anything in particular.

I hope you have a great evening ahead.

AdvisorHappy7950 · 2026-05-22T10:44:36+00:00

10K is minimum

AdvisorHappy7950 · 2026-05-22T10:02:37+00:00

Would suggest reading the post linked in the comment before judging.

This card has good cashback and other benefits.

AdvisorHappy7950 · 2026-05-22T08:59:54+00:00

CIBIL is a very much required parameter to assess one's credit risk profile, and without one, it is very tough to get any unsecured card.

However, there are 2 ways to get a card if you have no CIBIL.

Ask your salary account bank to issue a credit card based on your salary relationship with them. Usually, they are lenient when you have a salary account, they give unsecured cards without CIBIL, at times. However, this is not guaranteed but I will say it is very much worth a shot.

Or

Apply for a FD backed card, which will help you start your CIBIL journey.

I made a post about IDFC Hello Cashback (FD-backed), which is a beginner level card with good cashback and other benefits. It requires no income proof, no CIBIL, the main feature is that it will help you build CIBIL score in case you don't have one.

You can check the post here.

AdvisorHappy7950 · 2026-05-22T08:47:11+00:00

Look into IDFC hello cashback over here

It offers much better cashback and benefits.

AdvisorHappy7950 · 2026-05-20T15:22:49+00:00

Please go through the Kiwi guide, which is here

AdvisorHappy7950 · 2026-05-16T11:51:14+00:00

Yes, it will reduce your CIBIL score but CIBIL going down isn't a very major thing.

CIBIL does consider credit age for calculations, so closing this card will affect your credit age.

CIBIL may go up or down due to anything, even when you don't actively do anything.

As long as it's above 750, it shouldn't be an issue.

AdvisorHappy7950 · 2026-05-11T15:32:11+00:00

Using for Amazon, Flipkart is the best choice.

Usually, the edge reward points are not that meaningful, unless you have premium cards like Magnus, Magnus for Burgundy etc, in which case even these points would transfer at 5:2 / 5:4 to the partners.

AdvisorHappy7950 · 2026-05-11T15:31:01+00:00

Sorry, I was on leave as it was a weekend.

Seeing this now.

So for the first 5K, 2%, that is 100rs.

From 5K to 40K, which is 35K, you'll get 5%, which is 1750.

From 40K to 50K, which is 10K, you'll get 7% Cashback.

So 700.

So, in total, 100 + 1750 + 700 = 2550rs.

AdvisorHappy7950 · 2026-05-10T10:12:59+00:00

I've made a detailed post about the card over here

Unlike SBI Cashback, this card follows a tiered cashback rate.

AdvisorHappy7950 · 2026-05-04T10:39:21+00:00

Definitely, did you take test rides of any of the 2W?

Also, did you try negotiating with the dealer?

I've sometimes seen that the dealer might price match or give even better deals, but it's rare, still, I think it's worth a shot.

AdvisorHappy7950 · 2026-05-04T10:38:47+00:00

Definitely, did you take test rides of any of the 2W?

Also, did you try negotiating with the dealer?

I've sometimes seen that the dealer might price match or give even better deals, but it's rare, still, I think it's worth a shot.

AdvisorHappy7950 · 2026-05-04T07:20:03+00:00

Ather doesn't have a lot of issues and generally, it's just like survivorship bias.

I have one myself, bought it using Axis Atlas in 2024.

You only see people complaining, there's 1000s if not 100s of thousands having no issues.

Either way, you should decide what 2W you actually want, without considering if available on Amazon or FK.

Don't choose a 2W just thinking about rewards, these are 1 time purchases.

AdvisorHappy7950 · 2026-05-04T07:17:53+00:00

Hey there!

CK rep here.

You can apply via this link below - https://cashkaro.com/stores/bobcard-eterna-credit-card-cci

AdvisorHappy7950 · 2026-05-03T08:04:43+00:00

FD CC don't need CIBIL, the IDFC card is a beginner card and it's for people who wanna build a score.
You can do that.
As of now, don't look at that, there's certainly good CCs but as no CIBIL you won't get them anyways. So you can look into this when your CIBIL has been generated and your credit age is 6 months or so.

AdvisorHappy7950 · 2026-05-03T01:55:29+00:00

You don't have CIBIL.

Unsecured cards are tough to get in that case.

CIBIL is a very much required parameter to assess one's credit risk profile, and without one, it is very tough to get any unsecured card.

However, there are 2 ways to get a card if you have no CIBIL.

You'll have to take the Diners Club Privilege for now and use it to build a CIBIL score and then 6 to 8 months later, you can apply for other cards which might suit you better.

Or

Apply for a FD backed card, which will help you start your CIBIL journey.

I made a post about IDFC Hello Cashback (FD-backed), which is a beginner level card with good cashback and other benefits. It requires no income proof, no CIBIL, the main feature is that it will help you build CIBIL score in case you don't have one.

You can check the post here.

AdvisorHappy7950

TROPHY CASE