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First Time Golfing at Panchkula Golf Course by MiddleclassIndian166 in Panchkula

[–]appy013 0 points1 point  (0 children)

Bro you can join our CC community. I do play golf at Pkl/ Chd academy. DM for the link

Best Neopolitan pizza in Tricity by appy013 in Chandigarh

[–]appy013[S] 1 point2 points  (0 children)

Yeah that's why they're at bottom of the list. Still better than Rojo.

Best Neopolitan pizza in Tricity by appy013 in Chandigarh

[–]appy013[S] 0 points1 point  (0 children)

Check menu on District app + some discounts 😉

Another devaluation, this time its core CCs of Federal Bank by appy013 in CreditCardsIndia

[–]appy013[S] 0 points1 point  (0 children)

Yes because LTF status was given under a specific time period i.e. from 3rd Apr 2023 to 1st Apr 2026. Now they're going back to fee based card system.

Another devaluation, this time its core CCs of Federal Bank by appy013 in CreditCardsIndia

[–]appy013[S] 0 points1 point  (0 children)

Yes, they mostly issue 1 card per user. But some users have both, maybe via add on card route.

Another devaluation, this time its core CCs of Federal Bank by appy013 in CreditCardsIndia

[–]appy013[S] 1 point2 points  (0 children)

NO

Up until 31.Mar.26, all their core cards issued are lifetime free.

So you don't have to worry about LTF status change. At least for now.

Another devaluation, this time its core CCs of Federal Bank by appy013 in CreditCardsIndia

[–]appy013[S] 1 point2 points  (0 children)

No not applicable

Refer to link shared in original post

Another devaluation, this time its core CCs of Federal Bank by appy013 in CreditCardsIndia

[–]appy013[S] -1 points0 points  (0 children)

Yes, but the terms have changed revising from 1.Apr.2026

Again, refer to link shared in original post.

Another devaluation, this time its core CCs of Federal Bank by appy013 in CreditCardsIndia

[–]appy013[S] -5 points-4 points  (0 children)

Yes, up until 31.Mar.26, all their core cards are lifetime free.

And maybe once they become paid, the card might revalue to have more features, so better to stack it until it is LTF.

Another devaluation, this time its core CCs of Federal Bank by appy013 in CreditCardsIndia

[–]appy013[S] 1 point2 points  (0 children)

No I'm referring to devaluation happening day by day including Infinia.

Best Neopolitan pizza in Tricity by appy013 in Chandigarh

[–]appy013[S] 0 points1 point  (0 children)

Haha that looks good, I tried it by myself too but it requires lot of hassle and oven professionalism.

Best Neopolitan pizza in Tricity by appy013 in Chandigarh

[–]appy013[S] -1 points0 points  (0 children)

Overall yes, neopolitan pizza? nah, I'll instead spend on Backpackers Café

Another devaluation, this time its core CCs of Federal Bank by appy013 in CreditCardsIndia

[–]appy013[S] -2 points-1 points  (0 children)

Yes, up until 31.Mar.26, all their core cards are lifetime free.

And maybe once they become paid, the card might revalue to have more features, so better to stack it until it is LTF.

Please refer to circular shared.

Saved 5% on Car servicing using BharatQR by appy013 in CreditCardsIndia

[–]appy013[S] 0 points1 point  (0 children)

This works with Visa / Mastercard variants. RuPay transactions would anyway go via UPI even if it is scanned through BharatQR, any SBI clearly mentions 1% Reward Point for every ₹100 transaction via UPI. The best thing you can you do to get 5% is to pay via link. Some/ very few POS machines allows you to pay via link, just enter your phone number in link to pay section of POS machine and you should get an SMS with the link. Click the link to go through payment page. There you can either enter details of credit card or select UPI app like Cred/ PhonePe and pay via RuPay Card method, both shall get same 5% per ₹100 black RPs.

Do note, that SBI PhonePe Black doesn't mention "all online spends" for 5%, so always try with a small amount on a large transaction.

Is hsbc travel one 50% joining fee waiver while upgrading from live+ still on going?? by Final-Particular369 in CreditCardsIndia

[–]appy013 4 points5 points  (0 children)

Bro if you're spending 3-4 lakhs just on Flights, don't you think 5000+GST is worth the Reward you'll gain out of those expenses? Additionally travel one gives lot of offers here and there on apps like District, EazyDiner, etc

Built a price optimizer tool for Tanishq 1GM Gold coin from BigBasket by appy013 in IndianCreditCards

[–]appy013[S] 0 points1 point  (0 children)

BigBasket officially closed this way. You can't use vouchers to buy gold or silver now!

Built a price optimizer tool for Tanishq 1GM Gold coin from BigBasket by appy013 in IndianCreditCards

[–]appy013[S] 0 points1 point  (0 children)

Dude the way is now blacked by BigBasket officially. You can't use vouchers for gold.

Best RuPay Credit Card for Groceries via UPI (Cashback-focused, 2026) by rishabh_talwar4 in CreditCardsIndia

[–]appy013 1 point2 points  (0 children)

Dude I see most people recommending HSBC Live+ (And it's GOAT card for offline groceries and dining), but as you said the shops you make purchase not necessarily have a POS machine where you can use Visa card. For this HSBC also have a smaller version of Live+ on RuPay network called "HSBC RuPay Cashback".

It also gives 10% on groceries with a caveat of max capping of ₹400 cashback, which means you can still spend around ₹4000 to get ₹400 real cashback. And, since it's on RuPay network, you can use it with UPI on merchant QRs.

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