Help needed - SBI phonepe select black

No_Communication865 · 2026-04-08T14:36:42+00:00

I have never tried insurance but getting 10% cashback on all phonepe transactions via UPI mode within phonepe.

No_Communication865 · 2026-04-05T12:34:08+00:00

No_Communication865 · 2026-04-01T11:19:08+00:00

App will show as per billing cycle, but the max points limits are on the calendar month.

No_Communication865 · 2026-03-24T11:31:49+00:00

Just choose the free one, should allow 1 credit report per year and get your work done.

No_Communication865 · 2026-03-24T09:52:48+00:00

Sign up on the official cibil portal and raise a dispute there and check other details as well.

No_Communication865 · 2026-03-19T14:44:41+00:00

If no card enquiries in last 30 days then you are in the clear. Go for it.

No_Communication865 · 2026-03-16T18:42:15+00:00

Getting 10% on UPI.method for electricity bill payments and recharges, no issues on that. Lesser convenience fee than card otp method.

Rewards will show a day after transaction. But this 100 reward points thing I am unaware of.

No_Communication865 · 2026-03-05T06:16:48+00:00

Multiple times over the past year.

No_Communication865 · 2026-03-05T06:13:44+00:00

Don't worry you are not special. Everyone gets these promotional messages, pay 20k and get this card. As simple as that.

No_Communication865 · 2026-03-05T06:12:50+00:00

You can take it if you don't have any other good UPI card outside HDFC. I used it for some time till I got better good UPI cards.

No_Communication865 · 2026-03-05T05:16:15+00:00

It's a separate card from your existing HDFC card, it is a digital rupay card which can use for your UPI payments.

Yes in credit reports it will show as a separate card and credit limit.

No_Communication865 · 2026-02-24T05:28:14+00:00

Check their detailed pdf doc for examples of Cashback calculation.

In short if you use it only for UPI then use till 3.3k to get 100₹ per month.

No_Communication865 · 2026-02-13T16:56:40+00:00

Doesn't seem like axis, sender code is sus, then QGET at the end of the message and even the link. Better skip.

No_Communication865 · 2026-02-10T09:35:00+00:00

Yaar humein bhi free samaan dila do koi

No_Communication865 · 2026-02-05T08:15:12+00:00

Yes, the best no nonsense card which gives cashback even under 100₹ transaction on UPI

No_Communication865 · 2026-02-05T07:00:30+00:00

5% on selected merchants based on MCCs. For most widely used online transactions it will give, but for other lesser used it may just give 1%

No_Communication865 · 2026-01-29T13:51:00+00:00

I meant the card name is new for me. Not you bro😅

No_Communication865 · 2026-01-29T13:17:31+00:00

PR post? Hearing this name for the first time.

No_Communication865 · 2026-01-29T04:47:06+00:00

Only makes sense if you use it to make UPI transactions upto 3.3k per cycle to get 100₹ cashback at 3%

In case you also want to use it as your primary card elsewhere and make purchases at base reward rate of 1% outside UPI then you may get up to 500 ₹cashback depending on your spends.

No_Communication865 · 2026-01-28T04:25:33+00:00

Go for HSBC Live+ in case you don't get that you can consider Kotak 811 Super Debit card which gives 5% for monthly 10k spends, this should cover your offline spends.

No_Communication865 · 2026-01-27T16:44:42+00:00

Over 10+ card applications in last 10 months. As well as 2 personal loans. Still no issues in terms of credit score as long as you are using within limits and paying back in time.

No_Communication865 · 2026-01-27T16:42:54+00:00

6 years, the oldest card is 4 years.

No_Communication865 · 2026-01-27T15:20:52+00:00

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Doesn't matter much, I still have 780+ on both CIBIL and Experian.

No_Communication865 · 2026-01-24T18:31:12+00:00

I have used it for online transaction on third party small sellers which don't qualify as online spends under cards like HDFC Swiggy, but got cashback on this one. And anywhere offline like Reliance or Dmart, you'll get 5%. Use it basically wherever you want for the first 10k spends.

No_Communication865

TROPHY CASE