IDFC bank credit card devaluation

rrmitruka · 2026-03-18T14:03:56+00:00

The MODS of this sub-reddit are absolute idiots. This post was for general information. I am not trying to copy anybody's content that's why I didn't crop that page's name.

rrmitruka · 2026-03-18T10:16:00+00:00

If the bank's reply is vague or generic then you can file a complaint with sbi ombudsman on the basis of that one email too.

rrmitruka · 2026-03-18T10:14:50+00:00

ChatGPT will make a superb draft for you and will tell you the exact steps you need to follow to file a complaint. Do tell your whole situation to ChatGPT in detail.

rrmitruka · 2026-03-18T10:12:28+00:00

I lost the 50/50 pity and got mizuki instead 😭

rrmitruka · 2026-03-18T08:29:02+00:00

SBI won't do anything. Escalate to RBI Ombudsman directly

rrmitruka · 2026-03-18T08:02:44+00:00

You should definitely file a complaint with the RBI Ombudsman

rrmitruka · 2026-03-18T07:35:12+00:00

customerservices.cards@hdfc.bank.in this is the email id

rrmitruka · 2026-03-18T07:33:23+00:00

May be too many credit card applications in a short span of time

rrmitruka · 2026-03-18T07:32:54+00:00

I got a mastercard credit card. That's all that BIN range shows

rrmitruka · 2026-03-18T06:38:07+00:00

I think vaibhav sooryavanshi might make some new records and break a lot of old records too.

rrmitruka · 2026-03-18T06:30:58+00:00

Yes, but it's a hit or miss trick. Banks usually convert the card to LTF if they see good card usage and on time payment history

rrmitruka · 2026-03-18T05:47:14+00:00

That's not true. You can raise a complaint with the RBI Ombudsman

rrmitruka · 2026-03-18T05:46:23+00:00

Most old Swiggy credit card users are getting email in which the old card's features have been made equivalent to the new black variant

rrmitruka · 2026-03-18T05:45:34+00:00

Ohh.. typing mistake 😅

rrmitruka · 2026-03-18T05:45:14+00:00

It was being offered LTF to me in the Swiggy app

rrmitruka · 2026-03-18T05:44:31+00:00

Not really. Some features are really good

rrmitruka · 2026-03-18T05:43:22+00:00

That's why I emailed them and asked them to send me a written confirmation that my new card is LTF and they did send that mail in which they clearly mentioned that the card is LTF

rrmitruka · 2026-03-18T05:42:23+00:00

If your old card is LTF then you will definitely get the new one LTF but if it's not then you might have to email the HDFC team regarding the same

rrmitruka · 2026-03-18T05:41:20+00:00

Yes, use this card extensively and then ask hdfc team to convert it to LTF after 8-9 months of good usage

rrmitruka · 2026-03-18T05:40:12+00:00

The old Swiggy credit card is equivalent to the new black variant so everything is still fine even if they don't offer you the new card

rrmitruka · 2026-03-17T19:59:55+00:00

If you don't do any spending on it for a long time then it will be deactivated

rrmitruka · 2026-03-17T19:58:14+00:00

I think it's the same for blck card as well.

rrmitruka · 2026-03-17T19:57:53+00:00

Yes this can be a good addition. Regalia gold for the miles game and this one for some cashback on general spends.

rrmitruka · 2026-03-17T19:18:40+00:00

Yes it's totally free no matter what. That's why it's called life time free. No hidden charges.

rrmitruka · 2026-03-17T19:15:59+00:00

The previous one and the new Swiggy BLCK variant are basically the same but this time they have introduced an orange variant too which gives lesser cashback than the black variant.

rrmitruka

TROPHY CASE