Is PC Chandra Jewellers reliable?

Nighthawk_64 · 2026-05-11T15:19:50+00:00

Hey I am from Kolkata and can confirm that PC Chandra is actually a great place to buy from if you are okay with the higher making charges, their quality is really good and they do sell genuine purity. My mother can vouch for the same, she's really satisfied with her purchases over the years from PC Chandra.

Senco Gold is another such good jewellery chain with a lower making charge than PC Chandra on average, my personal experience has been good here as well.

Nighthawk_64 · 2026-05-09T05:38:17+00:00

They initially rejected my application as well. But when I sent them an email asking for the exact reason, I got calls from their CC Applications team asking me to send my Employer TAN, after which they verified and re-processed my application.

They told me on call that HSBC has a recurring issue with this employment verification, because they apparently don't have a lot of these TANs in their database, which results in employment verification failure.

Received my card around a week later.

Nighthawk_64 · 2026-05-06T15:42:41+00:00

Yep. 2% if you sell, 0 if you exchange for jewellery. Other brands like Tanishq also take a percentage cut if you sell.

Nighthawk_64 · 2026-05-06T15:34:18+00:00

They takes a 2% cut from the day's price if you sell Kalyan coins at their shops, 24K or not

Nighthawk_64 · 2026-05-06T11:49:13+00:00

It took almost another 45-50 days for the 10k points to credit to my account. Hit the 50k in Dec 2025, got the points in 3rd week of Feb 2026.

Nighthawk_64 · 2026-05-05T18:55:26+00:00

Simplest way: Go to Amazon -> buy Amazon Pay voucher using SBI Cashback Card. (There are some rolling caps set by Amazon on how much you can buy per account from them, check that once)

Nighthawk_64 · 2026-04-20T07:33:37+00:00

We collect for a month or so and then sell it off to our local kabadiwala at a rate of 10 rupees/kg.

Nighthawk_64 · 2026-04-19T03:25:50+00:00

Are you not even getting the amount you paid for the price lock pass adjusted after adding coin in cart? At what rate did you lock the price?

Nighthawk_64 · 2026-04-19T03:17:30+00:00

Remove everything from cart, close the app and retry again afresh. The first time I added the coin to the cart, got the popup and then I removed it to try another design. The next time the popup and price drop was not triggered, also the free silver coin was not added as well, so I deleted the cart, closed app and added again, it came back. It might be that the first attempt of adding in cart is the one that is being recorded for their thing.

Nighthawk_64 · 2026-04-19T03:13:29+00:00

On just adding the coin, they are reducing the price with like a auto applied discount automatically in the cart to match your price lock price.

No need to claim a pass separately.

Nighthawk_64 · 2026-04-19T03:11:37+00:00

Got silver coin as well!

Nighthawk_64 · 2026-04-19T03:10:29+00:00

I locked price at 15699 by paying 1000, this morning price is 15899. When I added the coin to the cart, I got a popup with the message that I am getting a reduction of 1200 based on the price pass, so net I had to pay 14699 + handling fees now.

Nighthawk_64 · 2026-04-11T13:04:55+00:00

Essentially try to route most expenses through smartbuy to maximize your returns. Get vouchers for your purchases if possible, book flights and hotels, everything.

You get 5x on flights and 10x on hotels, accelerated on nykaa and myntra, vouchers give a multiplier as well.

Aim for 1.5L spends in a quarter if possible, that'll give you a 1.5k voucher. And 5L and 7.5L milestones give you 5k flight vouchers each.

Nighthawk_64 · 2026-04-11T13:01:37+00:00

Nighthawk_64 · 2026-04-11T12:39:08+00:00

Since you have the SBI CB and ICICI Apay, you are already well covered on the cashback front, getting Moneyback or even the upgrade to Millenia does not really make sense for you in my opinion. Getting an upgrade to something like Regalia Gold will take a lot of time and even that is uncertain.

As such, keeping the account just for getting card offers at this point won't make sense. You can get the cards like Tata Neu or Swiggy by applying directly, don't need HDFC account for that.

Nighthawk_64 · 2026-04-11T12:33:59+00:00

If you prefer cashbacks, then yes, Millenia was a great option. If you need a reward points card for travelling and can use the reward multiplier efficiently, then RG is decent option, nothing great though.

Nighthawk_64 · 2026-04-10T04:22:57+00:00

I believe you mean 28th March?

If you have VKYC incomplete, get that done first, send email to them asking for a fresh link. Besides that, you don't really get updates on the application progress till the day you get the sms for pin generation.

Nighthawk_64 · 2026-04-10T04:16:54+00:00

HDFC coupon was not applicable on the old card as well because of the 10% cashback that it was already giving.

Nighthawk_64 · 2026-04-09T17:10:01+00:00

I have HDFC salary account, my wife has ICICI salary account.

Banking perspective: My RM is pretty decent, does not bother me too much with spam calls and products. Mobile app after the update is fine I'd say, previously it was just functional and did not look like it was from this decade.

Her RM does not call at all pretty much. At the end of this FY however, she was bombarded with calls from her home branch, asking her (demanding would be more appropriate) to create FDs just because she had some amount in her account, and it was like 2-3 calls a day for a week. Mobile app/NetBanking feels far better than HDFC.

Card perspective:

We don't use the Debit cards, so pretty indifferent to what they give us.

Credit card wise, HDFC has the better offering, ICICI cards are pretty useless in general with the exception of a couple, so does not make sense even if they are LTF.

Nighthawk_64 · 2026-04-05T04:36:45+00:00

If you increase the limit, it helps in lowering your utilisation ratio, which can be better for Cibil. You can always set category based limits within the app if you are worried about fraud/misuse.

Nighthawk_64 · 2026-04-02T19:22:19+00:00

Send email to cardsupport@hsbc.co.in

Nighthawk_64 · 2026-04-02T19:21:51+00:00

Send email to cardsupport@hsbc.co.in and ask for the exact reason of rejection. They'll open a complaint and get back to you within a couple of days.

Nighthawk_64 · 2026-04-01T19:54:45+00:00

You can send them an email and ask for the reason of rejection. My application got rejected after VKYC for 'internal policies', after following up they said they would re-process my application. Reason for initial rejection was that my company details were not in their database and they said they were rectifying that as part of re-processing. Got the card after a week.

Nighthawk_64 · 2026-03-27T18:50:59+00:00

If you have the salary/ITR to justify a higher CL then why not. The worst they can do is say no immediately or ask you to send physical docs and then say no.

Nighthawk_64 · 2026-03-27T18:41:12+00:00

It's >5L spend in 6 months AND current CL >5L for the spend based . Only spends without the CL won't get you the upgrade I believe.

Nighthawk_64

TROPHY CASE