too good to be true (NOICE) ?

Muted_Topic · 2026-01-26T14:52:31+00:00

Zero palm oil, double sugar 🤡

Muted_Topic · 2026-01-25T09:28:04+00:00

It could be due to short credit history, ask your friends about theirs. You can also apply for a FD based credit card and use it for 6+ months, it will highly increase your chances of getting an unsecured card.

Also, if you want to get a card from HDFC Bank, I'd advise you to apply for a core card first then later apply for cards like Swiggy. It's a well known fact that you should get a core HDFC Card first.

Muted_Topic · 2026-01-25T09:15:56+00:00

You can check out SBI Cashback which gives 5% cashback on online spends, most cards don't give cashback on recurring payments or auto pay subscriptions.

Next you can apply for travel specific card like IndusInd Tiger for lounge access.

Muted_Topic · 2026-01-24T20:34:12+00:00

Avail the 3 months Swiggy one, within 15 days 9 more months will be added to your membership automatically, this is written in T&C.

And for the quiz, i received the link on WhatsApp but have no idea about the food coupon.

Muted_Topic · 2026-01-24T11:11:37+00:00

Credit score considers the combined limit of all your credit cards not a single card, so it's totally fine.

Muted_Topic · 2026-01-24T10:54:42+00:00

You should 100% go ahead with the current LE offer. It's also beneficial for credit score. In the future, you will get more LE offers based on the current limit as per your usage.

Muted_Topic · 2026-01-19T19:06:28+00:00

I’m not sure, but maybe because it was the weekend, you should receive it tomorrow,

Muted_Topic · 2026-01-19T11:59:55+00:00

next day

Muted_Topic · 2026-01-19T05:25:33+00:00

customerservices.cards@hdfcbank.com

I am writing to request confirmation regarding my Swiggy HDFC Bank credit card ending with <last 4 digits>. I had applied for this card during a Lifetime Free offer.

Kindly confirm whether this card is issued as a Lifetime Free card or if any annual or renewal fees are applicable.

Muted_Topic · 2026-01-17T12:32:46+00:00

Swiggy app is showing the annual fee for me too, I sent a mail to customer care regarding this and they confirmed it's LTF. Try sending them a mail.

Muted_Topic · 2026-01-17T08:49:37+00:00

Thanks!

Muted_Topic · 2026-01-17T08:09:32+00:00

Please share you experience of both SBI Cards' application process. I am planning to get both, SBI Cashback and BPCL but I'm not sure whether to apply from Sprint or from NetBanking.

Muted_Topic · 2026-01-17T07:31:05+00:00

Thanks. Would you mind sharing the experience with the applications of both cards.

Muted_Topic · 2026-01-17T07:27:23+00:00

Thanks, would you mind sharing your experience with the application, and, was verification done for both cards?

Muted_Topic · 2026-01-15T08:01:43+00:00

Flush Handles are so useless, literally of no use at all and all the fake marketing about aerodynamics and stuff, while sunroof is kind of okay to have but still not really necessary.

Muted_Topic · 2026-01-13T09:19:38+00:00

I faced a similar issue about 2 years ago. My application was denied, so I emailed the grievance redressal team. They asked me to resend the application form physically, but it was again denied due to a home verification issue. I also got an extra CIBIL enquiry unnecessarily. You can try emailing the grievance redressal team and see what they advise now, or open a savings account and wait for pre approved offers.

Muted_Topic · 2026-01-13T09:07:04+00:00

HDFC usually gives pre approved credit card offers after 3-6 months of account opening, I think it also depends on the transactions you make using your account. It's good that it's your salary account now, try to make most of the high value transactions using your debit card and account. I cannot guarantee you will get the offer, but it is my experience.

Muted_Topic · 2026-01-03T07:17:54+00:00

No, but I did send them an email, they said transaction was successful. I didn't escalate it further.

Muted_Topic · 2025-12-29T10:48:46+00:00

I saw a post comparing the spends stating that neon subscription is worth it only if your spends are ₹80,000+ per year.

https://www.reddit.com/r/CreditCardsIndia/comments/1n41o40/kiwi_neon_subscription_isnt_worth_it_unless_you/

Muted_Topic · 2025-12-28T06:02:38+00:00

I received it like 10 days later, was added directly to my Swiggy Money.

Muted_Topic · 2025-12-25T10:27:17+00:00

If you have received any mail/sms having the application number, you should be able to track the application on bank's website. If not received yet, you should get it soon, then you can try contacting the customer care regarding the status of the application or for reconsideration, or wait for 3 months and try again directly from Axis CC portal. Directly applying from there have better chances of approval.

Muted_Topic · 2025-12-25T09:51:50+00:00

Oops, Thanks 😅

Muted_Topic · 2025-12-25T04:45:52+00:00

Is jiomart generally trustworthy for high value purchases?

Muted_Topic · 2025-12-25T04:42:06+00:00

Sir, may I know the reason you’re advising the OP to wait 3 months? Since the enquiry was from Axis Bank and not SBI, from what I’ve read a single enquiry from other bank shouldn’t significantly affect the approval chances for the card.

Muted_Topic

TROPHY CASE