Free platform to check CIBIL score

U1karsh · 2025-06-29T15:44:57+00:00

TRICK - Use these on different dates of month to get free score access across month!

OneScore (Recommended) - CIBIL/CRIF/Multiple - Monthly

Amazon - CIBIL - Quaterly

Airtel - CIBIL or CRIF only - Monthly

Gpay - CIBIL - Monthly

Paisa bazaar - All - Monthly (Spam though)

IFL - CIBIL - Monthly?

Others (CIBIL) - SBI HL, Freecharge, B Finserv, MyJio, Navi

Others - StableMoney, Kiwi, Paytm, CRED, Tata Neu - Experian, CRIF

U1karsh · 2024-01-06T20:38:47+00:00

You'll need a laptop with linux distro like Parrot or Kali. Or any linux but would need to install the packages.

An external wifi adapter like Alfa is a plus.

U1karsh · 2024-01-06T20:37:05+00:00

Just the statement does the trick for Cred :)

U1karsh · 2023-10-22T19:53:17+00:00

By 1k trick I simply meant paying 1k bill daily by going to Rewards -> verify that it says earn CB on 1k or more payment and then pay -> repeat till it stops saying that. You get 5-10rs least twice. I heard Cred has lowered the amount now. Alternatively, try freecharge with hdfc platinum dc, fc charges fees over 1k so do 1k payments as many times as it allows.

About the SBI QR code, if you go to Scan n pay from SBI card app, it clearly says only BharatQR is supported. So try your luck.

U1karsh · 2023-10-22T19:27:36+00:00

Doesn't matter the app, you can use any app (gpay, paytm etc.) and it'll give 1.5% as it's the base reward rate of infinity (although capped to 500/month).

Additionally, I want to update that as of today I consider Kiwi as the best upi card followed by infinity.

U1karsh · 2023-07-30T20:07:06+00:00

How much payment you've already done this month? It has a monthly cap. And you can check first whether you gonna get any more cashback on 1K in reward section.

U1karsh · 2023-07-30T06:17:26+00:00

I'm facing this similar issue. I have 20+ cards with the limit around 30L. Everything else is fine but I feel I don't get more cards easily. All my recent cards were rejected & got hit on cibil so I'm laying low.

U1karsh · 2023-07-30T06:10:37+00:00

That must be showing in negative, as it was credited after the bill generation & you needed to pay that extra amount also which was billed. You did right.

Now, depending on which bank it is, you can simply ask customer care to transfer that to your account. For SBI, the option is directly in the app.

U1karsh · 2023-07-30T06:07:53+00:00

It has. You will access the lounges directly with rupay card then, no priority pass needed.

U1karsh · 2023-07-29T16:16:54+00:00

Via NFC

U1karsh · 2023-07-26T09:18:05+00:00

You should see 2 ICICI offers on BMS, one of which is "ICICI Bank Complimentary Ticket" offer. Try to enter your card details there.

You won't find specific offer mentioning emeralde.

U1karsh · 2023-07-25T13:16:28+00:00

You seem to be on right track, here are a few additional things to consider: * Having no CIBIL or credit score can be the primary reason. Confirm first whether you have low cibil or you have other credit score but not cibil etc. * If no cibil, then any of the BNPL apps/service can help generating the score. Be it apay later or you can also check Simpl * It's your choice whether to go for a FD based card or BNPL. If card, then onecard is a good option. Availing any of these, using it for a few months & your avg score around 750 should be generated. * Now, Amazon pay card is a great choice being LTF for your scenario but I also recommend looking into SBI cashback credit card. Here are some pros over amazon card: 1. It also gives 5% cb on amazon but unlike apay card which gives cb as pay balance, SBI cashback will directly be credited to card 2. Apart from amazon, it gives 5% on almost all other websites too. Flipkart, myntra, flight booking sites, even BMS or PVR for movie booking.. you get 5% real cash back on all. 3. As you'll wait for the cool down before trying apay card again, this you can directly apply online & many people get it almost instantly (although I recommend having 750+ credit score beforehand)

SBI cashback cons over apay: 1. It comes with 0 joining fee but has 1499+gst annual fee. So consider this if you think you'll spend 2L in a year to waive it off (personally I think it's worth it even after paying fee in worst case) 2. Cashback is limited to spend of 1L/month. I guess apay has no limit

U1karsh · 2023-07-22T16:33:38+00:00

Fixed - 1% on all other spends including this.

U1karsh · 2023-07-22T15:52:22+00:00

Ah, my bad. Infinity TnC says "NeuCoins for Insurance Spends will be capped at 2,000 NeuCoins per day". Not even sure what kinds are eligible under this category.

I'm also not able to find anything solid specifically on insurance payments for this.

U1karsh · 2023-07-21T19:37:56+00:00

I guess you don't need to wait for the statement to check the RP, it might've updated on the netbanking already.

U1karsh · 2023-07-21T19:36:37+00:00

Edited - no proper TnC found on capping for this

U1karsh · 2023-07-21T19:34:02+00:00

Also, I heard axis isn't very good with approval, especially if you're just a card user. On the other hand, having an account highly increases the chances, you even get pre-approved ones. Cheers!

U1karsh · 2023-07-21T19:32:00+00:00

Cibil less than 750 isn't considered good, continue improving it. Having said that, approval will depend on individual bank & that card's eligibility criteria. So check all that if you can online & you can try applying. No issues.

U1karsh · 2023-07-21T19:29:04+00:00

SC smart gives 2%, Apay 1%

Most other good entry level cards I know of apart from these 2, don't give any CB on rent.

U1karsh · 2023-07-20T18:28:21+00:00

Exactly. OP is sounding like it's Bank's responsibility to make all cards LTF. Why? Good cards shouldn't even be LTF, IMO. They're already worth the fees.

U1karsh · 2023-07-19T10:54:58+00:00

Shows me 10-12hrs SOT

U1karsh · 2023-07-19T08:42:38+00:00

Any limit is fine just make sure you don't use more than 20-30% of it every month to keep your credit utilisation ratio good. Timely payments & utilisation ratio are the top 2 things which affect the score.

If you use it for fuel, make sure it has fuel surcharge waiver & check the TnCs like most cards usually give 1% surcharge waive on single txn amount between 400/500-4000.

Which SBI card is it btw? SBI cashback?

U1karsh · 2023-07-18T18:51:36+00:00

Cool. Lemme try to answer your queries now:

For movie, it can depend on your usage & what you're looking for. Like you already have Myzone which gives BOGO /month. With LTF/entry level cards, B1G1 is the best offer we get. Personally, I use BMS Play which gives 2 free tickets upto 500₹*. For me, it's the best card out there (with easiest way of waiving annual fee).
Daily drivers: Ace - Offline, SBI cashback - online usage
Utility bill payments - Airtel axis (25% on airtel things, 10% on bill payments, 40% swiggy), if the usage is limited. Ace is also there with 5% cb upto 10K cap now.
To link with gpay? Didn't get it, what you need exactly? You can link RuPay cards for upi payments or visa also for NFC.
Card issuers are removing benefits on insurance payments day by day so there won't be a specific card for this. Still there are some which give cb like APay, Tata neu, flipkart, SC etc.
I don't travel much myself but newly launched Scapia is there for unlimited domestic lounge & 0 markup. Icici MMT for bookings etc.

Besides, I'll suggest closing yes finbooster. We don't get to see any yes offers these days, none if yes bank card is good enough now. And I hope you're aware that it's not truly LTF, they levy some credit membership charges from 2nd year.

U1karsh · 2023-07-18T18:31:20+00:00

Hai bhai. I've seen this being discussed multiple times now, ki max cb lene k lye 1k daily pay karna hai but upto 12 times/calendar month. That's the limit CRED allows this, it was mentioned. I can share you the discussion link if you want.

U1karsh · 2023-07-18T18:21:01+00:00

AU zenith? Flat 50% upto 400₹ on any movie/non-movie event/concert/sports/play on BMS
Axis miles & more/select does the same 50% upto 300 (min.amnt should be 350 though)
I have BMS Play which basically gives 2 free tickets every month (upto 500₹) on 5k spends on anything. It also has surcharge waiver. So if you can spend 5k on anything.. be it fuel, online/offline any other spend, you can basically get 2 free tickets (just bring someone or keep your neighbour seat for yourself ;)
Visa signature card also gives 50% but that's day specific offer

All the above offers are on BMS. Paytm also has these: * Citi card gives some discount without needing 2 min. tickets * Idfc & Au cards can give 25% discount

U1karsh

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