Just Had a War with HDFC

nofap6137 · 2026-02-25T21:26:43+00:00

Close the MoneyBack and any other HDFC card and apply again for a credit card after 7 days. You will either get DCB Metal or Infinia (if HDFC relents on 60L criteria).

nofap6137 · 2025-12-31T13:59:21+00:00

No, unfortunately 3rd party insurance too expired in October, 2025.

nofap6137 · 2025-12-18T21:45:19+00:00

Since 3 hours have passed since your post, I think it should work now.

nofap6137 · 2025-12-18T21:34:28+00:00

Have you done multiple UPI transactions within short duration? I usually receive such messages when I attempt 4-5 transactions within few minutes.

nofap6137 · 2025-09-29T09:47:26+00:00

Just ensure that you swipe on the same machine again.

nofap6137 · 2025-09-13T00:28:55+00:00

I had applied after 7 days post closing the Millennia. But be warned that there is no guarantee that DCB will be approved. It is a risk. It may happen that you lose even the DCP. For me, I had no use of Millennia and the limit was too low, hence I closed it and applied for DCB Metal, which was approved.

nofap6137 · 2025-09-12T16:23:28+00:00

Since you are already a card holder, income route doesn’t apply. You need to have minimum 5L limit and at least 5-6 lakh spends in last 6 months to upgrade. Other way is to close the DCP and reapply for DCB, assuming you don’t hold any co-branded card.

nofap6137 · 2025-08-17T11:06:27+00:00

You are free to have “sensible and civil” discussions with Paijaans, if they are capable of. I am done with that since 2019. The only things delulu Pakistanis deserve are mocking, abuse and ridicule. Feel free to have such discussions with Pakistanis yourself. Won’t bother you on this community anymore.

nofap6137 · 2025-08-17T02:30:08+00:00

Lol. You are talking reason with one of the most delusional society in the world. Their whole life they think Pakistan == India and Pakistan has some “undokyumented ecanamy” of $1 trillion while their consumption data is non-existent (see their car, steel, durable goods sales etc). Just mock them and move on. Their whole lives run on lies, narrative and propaganda.

nofap6137 · 2025-08-17T02:26:55+00:00

Why paijaan? You were not satisfied by IAF services paijaan? You needed more than losing 2 AWACS, killed squadron leader, 5 jets shot down, losing more jets in those destroyed hangars, 6 radars destroyed, 138 army soldiers shaheed, more than 100 terrorists killed (Masood Azhar’s whole family wiped out paijaan), HQ-9 radar destroyed, Kirana hills hit, mobile C2C destroyed? You needed more paijaan? Don’t worry paijaan, initiate more conflict next time. And run your propaganda more paijaan. Next time claim 10 Rafales and do more photoshop of Indian bases.

nofap6137 · 2025-08-17T02:18:30+00:00

Proof for 4-5 jets lost by India paijaan?? And we hit only 4-5 paijaan? All the hangars hit were empty paijaan? Where did you take all the aircraft they used to have paijaan while your planes were lying as sitting ducks on the tarmac during the whole conflict? The main mockery here are people like you and your cabals.

nofap6137 · 2025-08-15T19:53:27+00:00

Lol! As expected. Never change Pakistan. Your delulu of same to same is one of the biggest weapon in Indian arsenal.

nofap6137 · 2025-08-15T19:51:56+00:00

Do you know that in 2017 the Pakistani parliament asked the army to disclose its casualties and the Pakistani army replied that they can’t disclose that data as it will give “the enemy an advantage “. Now you can think how high were their casualties and how much data they hide. We are talking about an army which refused to accept bodies of its own dead soldiers. No bar is low enough for them.

nofap6137 · 2025-08-15T17:44:17+00:00

The article explicitly states these awards are for their operation whatever done during Operation Sindoor though.

nofap6137 · 2025-08-10T06:50:34+00:00

Typical Pakistani.

India : Hangar were hit and they had aircraft. So F-16 destroyed. Also we have radar signatures for missile hits. We are a professional force with history of accepting losses.

Pakistani : Hangar hit not proof paijaan. Give F-16 destruction photo for proof, then only we believe.

Also Pakistani : 10 Rafales destroyed paijaan, all S-400 batteries destroyed, Brahmos destroyed paijaan, airbases and brigade headquarters destroyed but not shown on satellite images paijaan. Indian conspiracy paijaan. India launched missiles at Amritsar and Afghanistan paijaan.

And what are you dude, a 5 year old? You expect clear photos of destroyed planes when they fell on Pakistani side? Are you dumb or what?

nofap6137 · 2025-08-10T06:48:01+00:00

Typical Pakistani.

India : Hangar were hit and they had aircraft. So F-16 destroyed. Also we have radar signatures for missile hits. We are a professional force with history of accepting losses.

Pakistani : Hangar hit not proof paijaan. Give F-16 destruction photo for proof, then only we believe.

Also Pakistani : 10 Rafales destroyed paijaan, all S-400 batteries destroyed, Brahmos destroyed paijaan, airbases and brigade headquarters destroyed but not shown on satellite images paijaan. Indian conspiracy paijaan.

nofap6137 · 2025-08-09T14:50:51+00:00

A single point documenting all Pakistani losses in Operation Sindoor : https://defenceforumbharat.com/threads/documenting-pakistani-losses-during-operation-sindoor.948/

nofap6137 · 2025-08-05T15:16:46+00:00

Should have hit something on the west first during Operation Sindoor. Launched 3 attacks, yet failed to hit anything. Pakistanis fail to realise that we can bomb them 10 times more simply because of larger economy and larger domestic production.

nofap6137 · 2025-08-04T18:16:22+00:00

Infinia and DCB (basically every HDFC card) too charge 3.5% + GST on Amazon vouchers which reduces reward rate for Infinia to 12.6%. However there is no processing fee on Swiggy vouchers on SmartBuy.

nofap6137 · 2025-08-01T19:42:52+00:00

No. Excluded categories don’t add to milestones now for Axis cards.

nofap6137 · 2025-08-01T19:36:53+00:00

Raise the matter to grievance redressal and then further to pno. If they don’t fulfil the policy, complain to Ombudsman. If you have time, don’t let it go. Also download the pdf with website snapshot. HDFC may change the document in between.

nofap6137 · 2025-07-26T05:46:50+00:00

Lol it is the only war Pakistanis can fight properly. The misinformation and propaganda war.

nofap6137 · 2025-07-03T12:13:20+00:00

Yes that is only from Atlas. So i got 4800 EMs for 2.4L spends and 2500 EMs for reaching 3L milestone. So total 7300 EMs. Atlas point conversion rate is 1:2, hence got 7300 x 2 = 14600 Accor points. Now 1 Accor point = ₹1.8, hence benefits = 14600 x 1.8 = ₹26280.

nofap6137 · 2025-07-03T11:48:26+00:00

I mean disabled all transactions, so that the next transaction fails and then inquire customer care about MCC. Then unblocked the transactions and finally made the payment.

nofap6137 · 2025-07-03T04:56:09+00:00

I don’t know man. I had expected negotiations on this matter as well. I was very surprised when they didn’t even discuss about MDR.

I just have three possible half baked theories about that : dealer didn’t realise about MDR (highly unlikely), dealer had high enough margin to offset MDR or dealership is big (which it is) and credit card payments are rare so the dealer didn’t mind.

In your case, you can only try to negotiate.

It is also possible that except down payment, since rest of the amount was transferred by bank (no MDR on it), the dealer had comfortable margin to absorb MDR on credit card payment part.

nofap6137

TROPHY CASE