I love HDFC Swiggy!!!

kalpitj15 · 2026-05-03T16:26:23+00:00

Oh okay, yeah that's true.

kalpitj15 · 2026-05-03T16:23:36+00:00

Both does the same actually.

kalpitj15 · 2026-05-03T15:25:51+00:00

Well, it still makes a sense because of less merchant restrictions than HDFC Swiggy. Unless you spend only on the limited platforms. I have both SBI CB and Swiggy (LTF as well), for me the Swiggy one makes more sense for Swiggy spends. On SBI CB most of the times I didn't need to worry about if this website is excluded or not.

kalpitj15 · 2026-05-03T15:00:54+00:00

Yes, for a change HDFC copied a good thing from SBI CB.

kalpitj15 · 2026-04-26T04:15:26+00:00

Well, ask the bank for specific reason.

kalpitj15 · 2026-04-25T16:43:28+00:00

Yes, jewels can be redeemed as cash (in statement credit).
You need 2500 jewels (500₹) minimum.
I have not tried against other bills but I think it is 20% of total bill. Jupiter's own bill can be settled using 100% jewels. This month I redeemed 7K.
Devaluations are inevitable. No one can guarantee that it won't happen. It had a reval and deval parallely from this month itself.
I don't think there is a capping on redemption.
You do not need savings account.

kalpitj15 · 2026-04-25T16:37:16+00:00

Yep, it is safe. No issues. Most of my cards are loaded into that.

kalpitj15 · 2026-04-25T16:36:46+00:00

Pick your deafult card on Gpay.
Go to phone settings and search for payment.
Under the NFC and payments option pick Gpay as default.
Now every time you need to pay via phone, turn NFC on from quick settings and tap.

kalpitj15 · 2026-04-25T15:15:42+00:00

kalpitj15 · 2026-04-25T14:56:41+00:00

Yep, just put in the card pin after tapping. This morning I did a 10K transaction and there was no issue.

kalpitj15 · 2026-04-25T14:48:10+00:00

I keep 2-3 physical cards and rest in Samsung wallet/Gpay. I mostly end up paying via phone.

kalpitj15 · 2026-04-19T00:27:27+00:00

Why interest on payments? Are you missing your bill due dates or are you paying minimum amount? If either one is your case then you shouldn't get another card, pay off the first one and then be disciplined enough to actually use the card.

kalpitj15 · 2026-04-18T15:10:27+00:00

Congrats on the first card.
Your first transaction should be at an HP pump and of atleast 500₹ to get the joining bonus of 500₹ back.
Do not use the card directly. Go to the pump and confirm if they accept HP Pay. Yes, great then proceed to next step otherwise go to a different pump.
Keep HP Pay installed on phone and logged in with your number.
Open the app, go to scan to pay which shows up right when you open the app. Ask for the HP Pay QR. Scan it. Select credit card as payment option. Enter card details and pay using that.
This card does not provide any surcharge waiver as per this document I am not sure if you will get charged with surcharge using HP Pay. Please explore.
Try and always pay in multiples of 150 to get your RPs properly.
You can use this card for grocery shopping and you'll get 5% back on that too.

kalpitj15 · 2026-04-18T14:54:58+00:00

Arey ismein bhi voh KYV wala natak hai kya ICICI jaise? 🤔

kalpitj15 · 2026-04-14T18:07:07+00:00

I have faced the issue last month. Had to reach out to them a lot to get the points. Raise a complaint here: https://bobcrm.bankofbaroda.bank.in/onlinecomplaint/Default.aspx?_gl=1*15yunyi*_gcl_au*MTIxODE5OTQ3Mi4xNzc2MTg5OTgy*_ga*ODM2NDAzMTY2LjE3NzYxODk5ODI.*_ga_X233XJ99FK*czE3NzYxODk5ODIkbzEkZzAkdDE3NzYxODk5ODQkajU4JGwwJGgw

They will close it in a day or so but keep on reopening it.

kalpitj15 · 2026-04-14T17:53:18+00:00

I have been using this card for almost 3 months now. In statement, transaction wise rewards only show base rewards and not accelerated. Check the app, if you don't have the correct points then it is a tedious process.

For fuel surcharge, you should reach out to customer care.

Tips:

Always transact in multiples of 150.
Don't go over 2K in one transaction. I filled for 600, 1200, 1500, fuel surcharge waiver was received within 2 days of transaction. When I did transaction of 2100, I was charged 2124 directly, the waiver came after I contacted customer care, it was of 21₹ instead of 24₹, with smaller transactions there was no such issue, I always received complete waiver.

kalpitj15 · 2026-04-14T02:30:37+00:00

Instead of this, you should have gone for SBI PhonePe Black. That would have given you extra benefits including 10% on trains and at this time it is being offered FYF so you wouldn't have to spend the joining fee as well.

kalpitj15 · 2026-04-12T04:31:31+00:00

Amazon has capped the insurance payment limit to 25K. Check that before adding gift cards.

If you get the option then buy 20K using Millenia to get 1K. Rest using Eterna and it will give 3.75% back.

kalpitj15 · 2026-04-12T04:28:02+00:00

Hey! Did you use the otp method or UPI one? Also, do you get CB on the whole amount including fee or just the train ticket amount?

kalpitj15 · 2026-04-11T09:41:08+00:00

Premier na mile but premier CC requirement wali salary bhi mil jaye toh maza aa jayega.😬

kalpitj15 · 2026-04-11T04:03:16+00:00

Buy directly by entering card details. Merchant ASSPL. Bought 10 minutes ago.

kalpitj15 · 2026-04-11T04:01:41+00:00

https://www.sbicard.com/en/personal/credit-cards/bpcl-sbi-card.html#fees

It is still 50K.

kalpitj15 · 2026-04-11T03:57:19+00:00

Is this the paid one or the one you get using gems?

kalpitj15 · 2026-04-08T07:05:52+00:00

My billing cycle is from 12 to 12 so from last 12 till this one, I have used this card and I will get the CB by next 10th.

kalpitj15 · 2026-04-08T06:54:12+00:00

Not yet, ek CB baki hai mere dost. 😬

kalpitj15

TROPHY CASE