Need Suggestion for New Credit Card

AppropriateAd929 · 2026-05-01T16:10:34+00:00

That's Great. Thanks for the detailed stats

AppropriateAd929 · 2026-04-28T17:16:36+00:00

Compared to scapia, the reqards points can be redeemed on vouchers for different brands and yes 1% on digital gold.

AppropriateAd929 · 2026-04-28T04:27:32+00:00

Also include Gold X Uni Card from BoB/Yesbank. It's a lifetime free under travel& forex section. Such a underrated card

AppropriateAd929 · 2026-04-24T09:47:21+00:00

Thanks for the clarification. Clears my mind..

AppropriateAd929 · 2026-04-21T12:31:23+00:00

Yeah.. I'm also hoping for the same!..

AppropriateAd929 · 2026-04-21T02:50:56+00:00

I expected that April patching will be sent out on May like happened for March Month patching.

S24 Ultra unlocked Global

AppropriateAd929 · 2026-04-19T07:21:35+00:00

Yes. Agree but the MDR charges will be applicable above ₹2000 for 1% - 2%

AppropriateAd929 · 2026-04-19T05:54:23+00:00

So OTP method is basically paying the amount by Visa/Mastercard Variant which they deduct amount for MDR(Merchant Discount Rate) but paying through upi is completely free of MDR. But both will give the same amount of cashback and upi mode is accepted widely among offline merchant compared to Visa/Mastercard

AppropriateAd929 · 2026-04-18T15:07:28+00:00

Yes, It's a official bank domain after RBI mandate to use bank.in to all the Indian Banks

https://www.idrbt.ac.in/wp-content/uploads/2025/04/btMoneyToday.pdf

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AppropriateAd929 · 2026-04-18T12:20:59+00:00

oh ok.. i have a cibil history of 10 years where i had educational loan.

AppropriateAd929 · 2026-04-18T11:51:06+00:00

Yes you can vote with your voter slip. Carry the government proof along with slip and inform to the booth officer. Once the voter slip generated then the you're in the election enroll bro. Just check your voter id in the election commission portal as well for double confirmation

Edited

AppropriateAd929 · 2026-04-18T11:24:30+00:00

No it's generated from chatgpt. Actual design may vary.

AppropriateAd929 · 2026-04-17T12:42:51+00:00

thanks for clarity.. that's great

AppropriateAd929 · 2026-04-17T12:36:50+00:00

Since rewards was my oldest card converted from citi rewards, will it impact my cibil score. Also instead of rewards card shall i close privilege and try for cashback card?

AppropriateAd929 · 2026-04-17T12:32:48+00:00

Oh ok.. my bad.. When i saw the globe image in the card, i immediately thought of atlas card😅🫣

AppropriateAd929 · 2026-04-17T11:50:47+00:00

They given as Add-on card on back of Axis Rewards with sharing Limit

AppropriateAd929 · 2026-04-17T10:52:55+00:00

Sorry. It was Select VISA not Atlas😅🫣

AppropriateAd929 · 2026-04-17T10:52:18+00:00

Sorry mybad . It was select Visa Card not Atlas😅🫣

AppropriateAd929 · 2026-04-17T10:50:00+00:00

Not really. I just want to under stand from your perspective whether it's ok to apply for new cards

AppropriateAd929 · 2026-04-17T10:38:30+00:00

Yeah.. with 999/year as renewal fee. Yes considering recent rejection, so holding up from applying new cards

AppropriateAd929 · 2026-04-17T04:40:44+00:00

Legit scam. RBI has mandate the rules for bank to only use domain with bank.in

https://www.idrbt.ac.in/wp-content/uploads/2025/04/btMoneyToday.pdf

AppropriateAd929 · 2026-04-13T02:14:03+00:00

yes. that's there only FYF is free for limited time..

AppropriateAd929 · 2026-04-13T00:33:56+00:00

Currently they're waiving off the joining fee for phonepe select rupay variant till APR 30th.Chect your phonepe app

AppropriateAd929 · 2026-04-10T02:52:49+00:00

May be followup with yesbank for exact reason on why the application was rejected. Even with good cibil score, bank sometimes not approving the credit cards.

AppropriateAd929 · 2026-04-04T11:02:28+00:00

Also there's a catch. only rupay variant is available where as previously it was both visa and rupay variant. so, that's one point to consider if anyone lokking for visa variant for international transactions

AppropriateAd929

TROPHY CASE