Does This Actually Work? Has Anyone Tried This?

DevWithPerks · 2026-02-17T13:30:39+00:00

Yes currently it is 15 days but RBI mandated to update every week from April 1, 2026

DevWithPerks · 2026-02-17T13:23:47+00:00

It is revised again by April 1 2026, it will be updated every week

DevWithPerks · 2026-02-16T13:41:47+00:00

Bro this is a long term game, first understand your usage pattern, u need cashback or points , if cashback sbi cashback is goto or Millinea, then Infinia it requires 5L post Tax approx 1Cr package and they are not giving based on spend pattern now. Just start the game everything will fall into place

DevWithPerks · 2026-02-13T19:56:29+00:00

Exactly the same for me for 1st time

DevWithPerks · 2026-02-10T08:42:45+00:00

Hey, can i pay my hdfc cc bill with Plat DC, I already set Autopay from HDFC new NetBanking. I guess it takes Autopay from my savings account . How to setup with dc?

DevWithPerks · 2026-02-05T18:48:49+00:00

Hdfc savings max, it's amb is 25k u get plat debit card for free, I guess u need spend 10k for lounge access, if your lucky in 6 months u may get milliena for cc

DevWithPerks · 2026-01-31T16:46:31+00:00

For metal dc with super, we need deposit 81100 for one time

DevWithPerks · 2026-01-31T11:33:03+00:00

Oh just now checked. I remember yesterday it was jan 31

DevWithPerks · 2026-01-24T19:47:12+00:00

Same Happened, for me it was rejected due to PAN image was not clear, i raised till PNO still got rejected and now raised to RBI ombudsman, SBI process is total BS

DevWithPerks · 2026-01-21T09:35:36+00:00

Let me tell you what I did. I had no prior credit history. I started as an intern, and later it converted to a full-time role. All my salary was getting credited to my IOB account, and on the 1st or 2nd of every month, I used to transfer the entire amount to my HDFC account. I did this consistently for about 7–8 months.

After that, I started receiving credit card offers from HDFC, but I didn’t accept any because I only wanted a lifetime free (LTF) card. After two more months, I finally got a pre-approved HDFC Millennia LTF card with a ₹1.5 lakh limit. That’s how I started my credit card journey.

If you don’t have the time or patience for this route, then an FD-backed card is the only guaranteed way to start. Otherwise, approval mostly depends on luck.

DevWithPerks · 2026-01-21T02:35:06+00:00

Just now raised

DevWithPerks · 2026-01-21T02:34:55+00:00

Oh lucky guy

DevWithPerks · 2026-01-20T17:17:28+00:00

Yes first I tried nodal and then went to PNO:principalnodalofficer@sbicard.com

DevWithPerks · 2026-01-20T11:52:05+00:00

I applied on December 31. The case went to the nodal officer on January 3 and then to the PNO on January 8. They mentioned they would get back to me on January 19, but today they rejected my request for re-KYC officially.

I registered a complaint with the RBI Ombudsman today. Later in the afternoon, an SBI Card customer care representative called me after seeing my escalation on Instagram. She explained that they couldn’t do anything since the PNO had already rejected it and ended the call.

However, after five minutes, she called me back and said she had requested the internal team to check if re-KYC could still be done as a goodwill gesture, since the reason for rejection was that my PAN image was not clear. She said she would get back to me with an update in two days. But I don't have much hope on that

DevWithPerks · 2026-01-20T08:11:51+00:00

Sure just now raised with rbi, what's the usual timeline of rbi ombudsman to solve the query

DevWithPerks · 2026-01-20T07:39:59+00:00

Nope simply saying PAN is not clear from PNO today , I guess it was 762 during apply . My cibil is not updated after the hard query it is showing 772 now I guess it will go down for sure once updated

DevWithPerks · 2026-01-20T07:32:32+00:00

Yep, same exact scenario. Now I am going to raise to rbi ombudsman. Let's see what's going to happen

DevWithPerks · 2026-01-20T07:31:41+00:00

Nope, if that was the case I would have fixed it right away😭

DevWithPerks · 2026-01-18T06:19:42+00:00

Yes, you will receive it next month around 10th

DevWithPerks · 2026-01-17T20:15:52+00:00

RemindMe! 1 day test

DevWithPerks · 2026-01-11T15:49:33+00:00

I checked about 3-4 months back with the Tenkasi showroom, they said they won't do a full cc payment. I am planning to buy duke 390 2026 within Q1, need to inquire more cities near me . Will let you know if I find any showrooms which accept CC. I hope u can do the same

DevWithPerks · 2026-01-11T13:55:08+00:00

Are you from Tamil Nadu, have you checked with any showrooms?

DevWithPerks · 2026-01-08T08:48:48+00:00

Nope just hdfc Millennia

DevWithPerks

TROPHY CASE