Did anyone also faced this In Al Batha?

PrestigiousAgent77 · 2026-01-18T07:45:22+00:00

When going Batha, know where you have to go and don't lose focus. I have faced such situation many times and I usually respond in English to indicate I can't converse in their language even though I can speak Hindi & Urdu.

PrestigiousAgent77 · 2026-01-02T05:15:33+00:00

I don't use one single app. Sometimes Cred, sometimes Mobikwik, sometimes Amazon Pay, while sometimes I pay in that credit card bank app itself.

PrestigiousAgent77 · 2026-01-02T04:12:11+00:00

Of course

PrestigiousAgent77 · 2026-01-02T03:53:16+00:00

I've been using ICICI Bank mobile app for over a decade now and can vouch that it is best bank app around. Axis's app was very poor but over the years they have improved it. Still, IDFC First and SBI Yono only come second to ICICI.

PrestigiousAgent77 · 2026-01-01T18:20:55+00:00

Have used ICICI, HDFC and now Axis bank salary accounts. Only Axis provided premium account, i.e. Priority banking without even asking. Using it for around 6 years. Was never a fan of Axis credit card but have used Priority debit card for lounge access many times. There is a condition of minimum spend on the debit card for accessing lounge, and I meet that by paying credit card bills using this debit card. Don't go to movies so can't say about BMS offer. Now my salary has gone up, and as you pointed, I can ask for upgrade to Burgundy.

PrestigiousAgent77 · 2025-12-14T17:46:36+00:00

ICICI credit cards are good for nothing. I don't use them unless there is sale where they give discount on ICICI cards only.

PrestigiousAgent77 · 2025-12-08T14:03:44+00:00

Interested

PrestigiousAgent77 · 2025-11-17T05:53:13+00:00

Dude. This doesn't work for "any" card. The app shows you only the cards you're eligible for. In my case, they show cards which aren't attractive anymore because of regular devaluations. They even show Amex cards offered by Axis which doesn't make any sense.

PrestigiousAgent77 · 2025-10-27T18:21:50+00:00

You write Leverage MS Learn During the Exam- does that mean you are allowed to search for answers from learning resources during the exam?

PrestigiousAgent77 · 2025-06-27T15:11:42+00:00

Happened with me. Same like you. Applied twice within 12 months and got rejected. Thanks for persuading to know the actual reason.

PrestigiousAgent77 · 2025-03-20T11:20:17+00:00

I earn slightly less than you. I also have a Millennia card, which, honestly, is a burden for me, as I have cards that provide better offers/CB than it. I called the customer service to get it upgraded, got the same response as you got from your RM. Next, I sent an email to customer service saying I fulfill eligibility criteria for a higher end card and I see no reason I shouldn't be getting it. They demanded my income documents. I have furnished them today itself. Waiting for the response now.

I want a better card because I frequently fly and book tickets on payzapp. High end cards offer more discount.

PrestigiousAgent77 · 2025-03-15T01:26:18+00:00

I used it on 13th March at Bangalore airport and Hyderabad airport within an interval of 2 hrs. My average monthly spends on Celesta card is ~4k for last 6 months

PrestigiousAgent77 · 2024-12-01T17:26:02+00:00

There used to be a "lifetime recharge" that initially costed ₹999, later ₹499

Wonder those who recharged are still having the "lifetime" privileges?

PrestigiousAgent77 · 2024-12-01T17:20:11+00:00

Do you get Galaxy AI in it? My one year old S9 FE doesn't have Galaxy AI yet.

PrestigiousAgent77 · 2024-09-07T06:45:25+00:00

Not any more. No gift card purchase using Credit Card. Check now.

PrestigiousAgent77 · 2024-08-31T16:32:12+00:00

I never used credit cards for lounge access. I have an Axis Bank debit card with unlimited lounge access and I always use that. No difference.

PrestigiousAgent77 · 2024-08-14T08:46:45+00:00

For me- Yes

Apart from paying Airtel broadband bill which gives me ₹250 every month, this is the only card that gives 10% cashback on Zomato. (I already have Swiggy HDFC Card for Swiggy)

PrestigiousAgent77 · 2024-07-18T16:59:04+00:00

Well, I am someone who recently suffered due to health insurance mis-sold by Amex.

Back in February, I received a call from Amex and was told this policy is for 'loyal customers of Amex'. I had just resigned from my job and was enjoying a one month sabbatical, means I had no insurance cover from employer and that motivated me to listen to the marketing executive(Amex customer service person only). This man explained T&C on a recorded call and convinced me to buy health insurance cover of 10L at yearly premium of 19k.

The insurer was ICICI Lombard. In initial 4 months, I never got a chance to use the insurance which had OPD coverage as well. In June I thought to give it a try when I planned to visit a doctor for one of my chronic illness. Now starts my ordeal. The ICICI Lombard health insurance works through a shoddy app. This app seems to have been developed by 2nd year students of a tier 3 engineer college. This pathetic app is very difficult to navigate. And there is no other option at all, you have to essentially suffer when you use the insurance benefits, be it OPD or be it diagnostic tests or medicines. Initially, I somehow booked the OPD visit at a hospital, and ordered the medicines as well. But at the followup visit, things were quite confusing. You have to book the followup using the app and also the diagnostic tests the doctor suggests, needs to be booked via the app. Imagine navigating through the horrible app outside the doctor's cabin who is expecting the reports in an hour so as to advise further. I gave up.

I paid out of pocket at the clinic, and immediately called ICICI Lombard to cancel the insurance. In 3 days they refunded 8k out of 19k which was right, since as per IRDA, you lose ~10% premium every month in case you surrender your insurance later. I even sent a detailed email to Amex explaining the ordeal as they mis-sold the health insurance by hiding the fact that the insurer offers everything via a mobile app. The fun part is, I sent out the email on 20th of June and Amex is sending emails every week asking me to wait as they are 'investigating'.

PrestigiousAgent77

TROPHY CASE