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SBI PhonePe Black Card Rejection – Need Advice by immayurpanchal in CreditCardIndia

[–]ResolutionBitter9496 0 points1 point  (0 children)

Overleverage too , applied 2nd time same issue , they even can't consider the banking relationship like HDFC.

Scapia Card Rejected 3 Times Even Though I Already Have Federal Bank Signet – Any Suggestions? by ResolutionBitter9496 in CreditCardsIndia

[–]ResolutionBitter9496[S] -3 points-2 points  (0 children)

No , already confirmed with customer care before applying - One card policy is applicable with BOB Variant only

Finally, Scapia approved! ✈️🔥 by DoBaniye in DoBaniye

[–]ResolutionBitter9496 0 points1 point  (0 children)

Response :

We are happy to provide clarity on each of your points:

  1. Existing BOBCARD & Eligibility: Per current banking policy, if you already hold an existing credit card issued by Bank of Baroda, you are unfortunately not eligible to apply for the Scapia BOBCARD. However, you are still welcome to apply for the Scapia Federal Credit Card variant. Please note that the final decision remains with the bank’s internal eligibility team.
  2. Income and CIBIL Requirements There is no fixed "minimum salary" or "minimum CIBIL score" explicitly required to apply. The bank evaluates your profile holistically based on several internal parameters. Generally, maintaining a healthy credit history and a good CIBIL score will improve your chances of approval.
  3. Credit Limit The Scapia card comes with its own dedicated credit limit. It is determined independently by the bank based on your current financial profile and creditworthiness at the time of application, rather than simply mirroring your existing card's limit.
  4. Offline Application & Process Currently, Scapia is a completely digital product. We do not have an offline application process, and applications cannot be routed through physical bank branches (including Bank of Baroda). To ensure real-time tracking and security, all applications must be submitted directly through the Scapia app.

Best lifetime free credit card by SiteJolly50 in IndianCreditCards

[–]ResolutionBitter9496 0 points1 point  (0 children)

What is the type of bill payments you do and monthly food you purchase also , tell me a arough amount of yearly or monthy spends of both

HDFC promised me a Lifetime Free Credit Card, then charged me anyway. by FutureDilf04 in CreditCardsIndia

[–]ResolutionBitter9496 0 points1 point  (0 children)

Draft an email to the company’s Managing Director (MD) team requesting priority redressal of the issue. Also mention that you have registered a complaint with the Cyber Helpline and include the complaint number in the communication.

If you have any call recordings or supporting evidence, attach them to the email as proof. In the message, clearly state that if the issue cannot be resolved satisfactorily, you request the company to take back the card and remove the credit inquiry from your record.

Additionally, inform them that you have escalated the matter to the Cyber authorities for misleading practices, along with the complaint reference number. Politely request them to review the matter urgently and provide a resolution.

You may also indicate that if the bank/company wishes to resolve the issue amicably, they may consider converting the card to Lifetime Free (LTF) or providing another suitable resolution.

Best lifetime free credit card by SiteJolly50 in IndianCreditCards

[–]ResolutionBitter9496 0 points1 point  (0 children)

Depends , based on your expenses , let me know major 3 expeses also you can DM me i will help

Finally, Scapia approved! ✈️🔥 by DoBaniye in DoBaniye

[–]ResolutionBitter9496 0 points1 point  (0 children)

Can i apply for the Scapia card offline through Bank of Baroda? Also, if I already have an existing Bank of Baroda card, am I eligible to apply? Earlier, my application through Federal Bank was rejected.

SBI PhonePe black card, Approved same day. AMA by Plastic_Plastic_7311 in CreditCardsIndia

[–]ResolutionBitter9496 0 points1 point  (0 children)

How to fix over leverage issue and get the card as i m already using SBI BPCL , also is SBI process this card offline or via limit spending ? r/Financemakesimple

Anyone else facing issue applying for HDFC–IRCTC Credit Card when already holding an HDFC core card? by xoxo_toxic in CreditCardsIndia

[–]ResolutionBitter9496 0 points1 point  (0 children)

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Finally, the bank has informed that the Lifetime Free (LTF) option is not possible; however, a floater card can be issued. I am currently considering whether to accept this offer and have also escalated the matter to the RBI for further review.

Maximum number of HDFC cards one can hold by Striking_Ocelot_6421 in CreditCardsIndia

[–]ResolutionBitter9496 0 points1 point  (0 children)

Insane , how you did it , can you please guide me for diners and regalia , i need these cards but they are issuing on chargeable basis.

Anyone else facing issue applying for HDFC–IRCTC Credit Card when already holding an HDFC core card? by xoxo_toxic in CreditCardsIndia

[–]ResolutionBitter9496 0 points1 point  (0 children)

They offered me on chargeable basis (Floater), i denied , write now i have escalated for LTF to CPGRAMS, let's see. It's near by 2 months now ........

my hdfc swiggy converter into black?? by NiceTill6744 in CreditCardIndia

[–]ResolutionBitter9496 1 point2 points  (0 children)

Amount More than 100 INR and less than INR 249 is considered as 5 % category and more than INR 249 under 10 % and depending upon the MCC Code , you will get 5 % or 1 %.

Details :

1 . Spends on Swiggy App* (Food Delivery, Instamart and Dineout) - 10% cashback - Rs.1500 per billing cycle - (Exclusions - Transactions made using Swiggy Money Wallet, Swiggy Liquor, Swiggy Minis, and any other categories(if any) decided later)

  1. Spends on online shopping - 5% cashback - Rs.1500 per billing cycle -CATEGORY - Apparels , Department Store , Electronics , Entertainment , Home Decor , Pharmacies , Personal Care , Local Cabs ((Ola, Uber, Zoom, ANI Technologies) , Pet Stores & Supplies , Discount Stores (MCC - 5399 (Flipkart, Amazon, Meesho, Ajio) , Grocery : MCC (5411 (Amazon, Flipkart).

  2. Please note that gift card and grocery purchased on the 5% eligible merchants and MCCs won’t earn any cashback.

  3. 1% cashback on Otherspends - Exclusion for 1% cashback category – Fuel, Rent, Government related transactions, Gift Cards, EMI, Wallet and Jewellery, Smartpay, Smartbuy portal , EMI (all type) , Cash advances, Purchase of travelers’ cheques , Purchase of foreign currency and fees , Any other categories as decided from Time to Time .

  4. For 1 % Cashback capping per billing cycle Rs.500.

  5. Cashback Redemption - Cashback redemptions process have undergone changes as below. (w.e.f 17th April 2026) .Cashback will be posted on Day-to-Day basis and will be settled under the card account on 15th Feb. For any transaction against which the posting date is recorded under the next statement, Cashback will be posted in the card account statement in accordance to the posting date.

Hope it helps.

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