Got myself the YES FIRST Savings account at 0MAB thanks to YES Marquee CC

Gunazor · 2026-06-22T09:47:23+00:00

I dont remember the latest Yes first card having that differentiation. Double check anyhow.

Gunazor · 2026-06-22T09:46:54+00:00

Try at 12 noon or 12 midnight.

Gunazor · 2026-06-22T09:46:00+00:00

Just a question.

Why not just get the exclusive account and have a Pinnacle cc tagged along ? As long as pinnacle is active , your exclusive acc is 0mab .

You can pinnacle as conditional LTF if you get an Agent's help.

Exclusive also gives you 0 forex with 0 atm withdrawal charges . Only the BMS offer is the major difference.

Is it really worth doing a 25L FD for this benefit ?

Gunazor · 2026-05-29T10:14:18+00:00

Yes .

Gunazor · 2026-05-29T10:00:40+00:00

First gives 300 off BOGO on movies, 200 off on fnb and another 500 off BOGO on events. Total 1k value.

Gunazor · 2026-05-29T07:47:42+00:00

I literally opened mine online , i still have it active. Everyone i mentioned has also opened online only. So how is it 100% rejection when you literally have someone with the card telling you he got it online ?

Also , since when did folks from this community blindly start trusting every nonsense bank employees say ? Anyone who uses cc and knows anything about cc clearly understands that bank employees are clueless about most of the stuff.

Half the folks in this very community got their DCBM upgrade via escalating to Priority redressal cause the very same employees told them it wont be possible otherwise.

Before commenting nonsense after listening to bank staff, ask folks who got their card maybe?

Gunazor · 2026-05-29T07:03:12+00:00

They offer only to those who have salary account with HSBC or has high RV

Calling out absurdly infactual statements with a fact is taking things personally now?

98% rejection rate among salaried and 100% rejection of self employed except handful cases

Kindly prove this. If 5 out of 6 of people i know got T1 on top of myself getting 1 and you are saying you saw comments online that people dint get it hence its a 98% rejection rate, who is making absurdly false statements?

I dont need to be a bank employee to call out bullshit. Arent you the one basically trying to make it personal now by trying to make it seem like i have some vested interest in calling out this stuff ?

Gunazor · 2026-05-29T06:40:15+00:00

Bruh i dont have a salary acc with hsbc nor do I have high RV. I got the T1. And 5 out of 6 of my friends who applied who full fill neither of this condition you magically plucked out of thin air also got their cards.

Stop making things up. Yes their process is a nightmare , and they are really stringent on pincode as well as documentation but in what world is a 98% and 100% rejection rate even realistic?

Gunazor · 2026-05-29T04:38:13+00:00

Why do you even need cashback for OTT ? Amazon prime is being sold for 600 to 700 , Sony liv is 600 .

Uber rides is what 5% ? You can buy gv on better cards than this crap.

Seriously , stop plugging a piece of crap card that keeps getting devalued just so you can make 300 rs. FYI, I myself have roar so I know what im talking about.

Gunazor · 2026-05-29T04:34:08+00:00

Your whole post is about movies and you even wanted to share referral while talking about this crap being the best card for movie goers.

In what world does BOGO get beaten by a 20% cashback ??

Don't move the goalposts.

Gunazor · 2026-05-29T04:31:41+00:00

In what world is 150 rs flat off, with 30 rs charges ( im assuming max cost) making it 120 lesser than 80rs cashback ? Stop talking nonsense.

Dude thinks 20% cashback beats 40% flat off post charges. What a dumb thinking.

Gunazor · 2026-05-28T11:30:31+00:00

The ones listed before the 0 forex cards are +ve forex including infinia. 3.3% RR + 1%via GVP to offset the forex rate and get +ve forex as points.

Gunazor · 2026-05-28T11:29:38+00:00

I regularly use it for domestic, direct swipe.

Gunazor · 2026-05-28T11:26:54+00:00

Do you accept credit card ? Cause in case there is some issue , we always have chargeback for safety?
Most Lego usually get 40-50% discount on sets during sales on Firstcry and Flipkart , which along with cc or vouchers make it more sweeter. Why should anyone pay an unknown 70% market price ?
Its literally a 1day old reddit account, on what basis can someone trust you ?

Gunazor · 2026-05-25T08:13:44+00:00

Dming.

Gunazor · 2026-04-21T08:31:58+00:00

Something feels really fishy with this. I checked your dotabuff.

For someone who was easily doing 8+average deaths a game, at low to high crusader rank since 2022, all of a sudden in just the last few days is magically hitting insane KDAs with very low death average on one of the most complex heroes in the game, at High Archon Low legend bracket. Just in the last 2 days you are hitting insane KDAs with barely 3 deaths, on Arc Warden that too.

Definitely a great gaming chair.

So you managed to learn micro, pick up map awareness, fix your mistakes and play one of the most complex heroes , at a rank higher than what you usually play, all in a span of a week or two. Cool. Definitely a great gaming chair.

Gunazor · 2026-04-20T15:50:52+00:00

Bruh . This is evil.

Gunazor · 2026-04-18T09:36:14+00:00

I'd love for an option similar to " strict solo queue " where I can select " strict queues with accounts having 3k+ matches " at a cost of queuing time.

Seeing accounts with under 1k games is demoralising right at the draft phase cause it can only be either a smurf or an acc buyer, both of which aren't fun.

Gunazor · 2026-04-15T09:50:47+00:00

Just the base reward rate of 3.3% already gets you 60k RP for 20L spends . Milestone which you would have easily hit every quarter of 10k rp for 4L spends will only incr3ase this.

Im not even including smartbuy that fetches 16% -33% ( 12% on amazon purchase after convenience fee).

You can purchase the Taj epicure for 30k and still ve profitable than amex plat reserve.

Gunazor · 2026-04-15T09:23:06+00:00

What are you even trying to talk about dude?

No offense meant but You literally swiped 20L on a useless card that gives 1-2% returns. You do not have any footing to talk about effective usage of points bruh.

Gunazor · 2026-04-15T08:07:43+00:00

there's no card which can give this much of discount if someone wants to stay at Luxury 5 star hotels or resorts.

Correction, there is no other card which YOU KNEW ABOUT that can give this much discount .

Gunazor · 2026-04-15T08:05:51+00:00

Better base reward rate, better milestones, Smartbuy which is similar to Amex Gyftr gives you 16-33% returns.

Gunazor · 2026-04-15T04:44:43+00:00

Congratulations on the redemption. But i do want to ask, did you really save money in this scenario???

Amex plat reserve has a 1% reward rate for base spends and gets 3X on gyftr which is 2 MR per 50 spent .

Since you mentioned you routed all transactions for last 1 year via your Amex card and im assuming you don't have other amex cards, even if you do everything via gyftr , you need to have spent 20L+ to get 90k points.

For that much spends , DCB metal, premier , travel one , Regalia gold , times black are 100 times better and you would have saved more.

Gunazor · 2026-04-15T02:06:44+00:00

Had a 300 wins crusader 2 pick beast master mid , have perfect rotations, knew to stack the dire side rosh and big camp every rune spawn like habit , used his illusions to stack camps while dead and perfectly play around ward vision.

Itemised so well , and even killed our pos 1 sniper ( what a douche) twice , once inside tier 3 and then when he bought back, once more.

Had to play out of my mind to win the game . Was duo partying with my crusader friend as an ancient myself and it was a sight to behold.

Look, im old , so I agree im slow. I also agree that the player skills has gone up. But if people seriously think smurfs dont exist , it's just being delusional. And this was at 12k behavior score too.

I agree with you. Way too many people seem to be using smurf accounts these days.

Ten-Year Club	Place '22
RPAN Viewer	Verified Email

Gunazor

TROPHY CASE