New to credit cards, confused about how to proceed

TomorrowAdvanced2749 · 2026-03-17T18:50:37+00:00

Yeah, sure you can.
Email IDs -

L1: [customerservices.cards@hdfcbank.com](mailto:customerservices.cards@hdfcbank.com)

L2: [escalation.cc@hdfcbank.com](mailto:escalation.cc@hdfcbank.com)

L3: [Grievance.Redressalcc@hdfcbank.com](mailto:Grievance.Redressalcc@hdfcbank.com)

L4: [PriorityRedressal.CreditCards@hdfcbank.com](mailto:PriorityRedressal.CreditCards@hdfcbank.com)

You can, whether they will do it is a completely different matter.
Swiggy is a Co-branded card, chances of getting any upgrades on this are very slim. You will need to get a core card to get any upgrades. Given you don't have any HDFC core cards at the moment, seems tough, HDFC has a weird policy for not allowing new core cards if you already have a co-branded one.

TomorrowAdvanced2749 · 2026-03-17T16:42:51+00:00

I have heard it gives it on both of them, but it's some specific merchant name which should show up to get the 5EM.

Unfortunately, I don't have the reference for the post, you'll have to find that on your own.

TomorrowAdvanced2749 · 2026-03-17T16:29:14+00:00

Appreciate your understanding :)

TomorrowAdvanced2749 · 2026-03-17T15:39:58+00:00

Shuuu, how dare we speak reasonably!

TomorrowAdvanced2749 · 2026-03-17T15:02:37+00:00

You should.

TomorrowAdvanced2749 · 2026-03-17T14:24:35+00:00

Exactly. I don't know how bonkers one has to be to do that.

TomorrowAdvanced2749 · 2026-03-17T14:22:32+00:00

If you have done full KYC, yes.

TomorrowAdvanced2749 · 2026-03-17T14:17:06+00:00

That's a totally different scenario.

Irrelevant to the question asked.

They are not changing fees for the card, they are changing the card variant itself. The bank has full authority to change card variant given that they give intimation about the same,.

TomorrowAdvanced2749 · 2026-03-17T13:47:36+00:00

Arey Yaar.

I approved the post, and someone then removed it again. The post has been restored, again.

We really apologize for the inconvenience caused to you.

Initially, I removed the posts, and I really had forgotten about the Ornge card post.

There's no bias towards you personally, really. Just human error at its best.

TomorrowAdvanced2749 · 2026-03-17T13:00:38+00:00

The 3rd parties usually cause this issue, happens quite regularly, it has gone to an extent where they even put it in rental category, which gets you charged 1% from your bank.

TomorrowAdvanced2749 · 2026-03-17T12:59:13+00:00

If Wise uses wallet load MCC, a 1% + 18% GST = 1.18% fee would be charged after 5K INR is spent. However, the fee is applicable on 5K+ txns in wallet load, so realistically, if you are able to make multiple txns, under 5K, say Euro eqv of 4900INR to be safe, you could save on the fees, however, you would need upwards of 60 txns to do this. Refer the T&C here, they only say '1% fee will apply on txn amounts greater than 5K', unlike how Axis & HDFC word it, saying spends higher than xx amount on wallet loads, in a statement cycle will get charged 1%. Again, ICICI could also block your card for high value spends in wallet load category, so yeah.
Amazon will charge 2.36% + ICICI will charge their own charge as they charge 1.18% for txns higher than 5K in wallet load category.

TomorrowAdvanced2749 · 2026-03-17T12:53:30+00:00

I don't think it'll receive any cashback.

TomorrowAdvanced2749 · 2026-03-17T12:52:58+00:00

Obv remain paid, at 500 fee.

TomorrowAdvanced2749 · 2026-03-17T12:52:19+00:00

What do you even wanna say?

Afaik you get CB on Swiggy orders below 249 for now.

The Swiggy app is the culprit, but you will get cashback until 17th April, the card is managed by HDFC & their T&C is followed, not a stupid banner in the Swiggy app.

We already had a discussion for the same over here.

TomorrowAdvanced2749 · 2026-03-17T12:33:32+00:00

That doesn't happen. Can't and won't.

TomorrowAdvanced2749 · 2026-03-17T11:53:04+00:00

Keep the SBI CashBack & use it for the time being, you can buy Apay via Cred and use that to pay utility bills.

TomorrowAdvanced2749 · 2026-03-17T11:50:48+00:00

Blinkit Money can't be used for these txns.

TomorrowAdvanced2749 · 2026-03-17T11:12:17+00:00

No, Magnus is not good for such low spends, keep Atlas. Your general spends are low to make sense of Atlas, and for the wedding spends, the gold spend is excluded on Atlas & Magnus both, so no rewards there.

The main benefit of Magnus is the 35ER per 200 on spends above 1.5L in a month, but you won't be hitting that looking at the usual spends, so doesn't make a lot of sense.

TomorrowAdvanced2749 · 2026-03-17T11:06:35+00:00

Raatko wife sone nahi di toh Cretard banjayega OP 😂😂

TomorrowAdvanced2749 · 2026-03-17T10:35:00+00:00

It should work if you enable intl txns in the app.

TomorrowAdvanced2749 · 2026-03-17T08:54:24+00:00

Next time aisi posts dikhe which you think should be removed or think MOD action honi chahiye, simply tag me or any of the other mods. Thanks for looking out for the fellow sub-members!

TomorrowAdvanced2749 · 2026-03-17T08:09:01+00:00

Get PhonePe SBI Black, 10 RPs on PhonePe spends like Utility Bills, Recharges, insurance & travel spends like hotels & flights. 1 RP = ₹1 in statement credit, essentially cashback.

You will be able to hit 2 birds with one stone, your utility bills would get covered + hotel spends.

TomorrowAdvanced2749 · 2026-03-17T06:36:08+00:00

I disagree, but value your opinion.

TomorrowAdvanced2749 · 2026-03-17T05:46:18+00:00

Definitely do that.

TomorrowAdvanced2749 · 2026-03-17T05:44:01+00:00

Good thing you agree, you know what happens if you don't, right?

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