The Credit Card Thread

Vizay · 21st April 2024, 16:34

ICICI had a slightly different reward points called "hand picked reward points" on few type of cards. Looks like they have discontinued that and merged with general credit points, which has so dismal conversion

. Anyone in same boat, any idea? How does it compare to other leading cards?

VaibhaoT · 25th April 2024, 10:15

Quote:

Originally Posted by mukeshgoel

Next month, I didn't do any transaction and today, I got my statement and it has Rs.750 credit as "Inactive Fulfillment".

Anybody else got such credit from Citibank?

Quote:

Originally Posted by BudgetFailure

Same with me, no idea what it is.

I got Rs 250/-. I have Indian Oil Credit Card. I am also confused why I got it. I hardly do any transaction.

Guite · 25th April 2024, 20:01

I have or used to have credit cards from the following banks:
ICICI, HDFC, SBI, Axis and Citibank. I am looking for credit card from some other bank. Can members recommend one or two banks with good credit card service, other than the banks listed above. Wide acceptance, good rewards schemes and complementary airport lounge access are my criteria. I would like to go only with large banks with long standing reputation.

Noctis · 26th April 2024, 16:53

Quote:

Originally Posted by Guite

I have or used to have credit cards from the following banks:
Can members recommend one or two banks with good credit card service, other than the banks listed above.

Yes Bank (Marquee), Kotak (only the co-branded ones), IDFC, IndusInd, Standard Chartered, HSBC are some options.

But service in general is hit or miss for the Indian banks. Ruling out Amex because you said wide acceptance.

vinu_h · 26th April 2024, 21:21

Std Chartered Ultimate has been my primary for a while. I've racked up a few lakh reward points over time and it just works when used outside India. I mostly use it for grocery, flights and hotels, yet the bank decided to halve my credit limit today. I'm not sure if I was singled out but otherwise happy that they haven't devalued the card and only changed the credit limit.

SilentEngine · 26th April 2024, 22:20

Does Amex Platinum Travel card give lounge access to supplementary card holders? Most likely no based on what i read in other places, but wanted to confirm here if anyone has first hand experience. Received my card today, was wondering if i should apply for add-on.

aadiaksh · 28th April 2024, 10:03

My Infinia metal is not working for international transactions even though the same has been enabled.

I was purchasing somethings from Amazon USA website and there was no debit transaction for the infinia card used. When I used magnus, the debit was instant and received a message as well. Both are visa infinite card.

Any insight into this is welcome as I have considerable purchase to put on infinia from the Amazon USA website.

Noctis · 28th April 2024, 13:47

Quote:

Originally Posted by aadiaksh

My Infinia metal is not working for international transactions even though the same has been enabled.

Did you check the specific sub-limit for online transaction type? Apart from that the only reason I can think of is the security algorithm blocking it, in which case you have to contact cc to get it sorted.

I had a similar issue with my Axis cc and received a messages saying transaction has been declined due to security reasons, but it went away when I tried after a few days.

aadiaksh · 28th April 2024, 18:39

Quote:

Originally Posted by Noctis

Did you check the specific sub-limit for online transaction type? Apart from that the only reason I can think of is the security algorithm blocking it, in which case you have to contact cc to get it sorted.

Spoke with CC, they are of no help. Sublimits for all types are max.

Not sure what to make of it.

kavensri · 28th April 2024, 22:44

Recently I used my 4 different credit cards during my Netherlands/Germany visit and this is what is my experience:
1) HDFC DB - Worked flawlessly at all the places where I tried. This was my default card as 'Forex Markup Fee' is lowest with this card (2%+18%GST).
2) IDFC FIRST PLUS - Worked fine at the only place where I tried. Markup fee is 3.5%+18%GST.
3) SBI CACHBACK - Tried at only one place, but it did not work. Found later in the net that the Markup fee is 3.5%+18%GST.
4) ICICI AMAZON PAY - Tried at only one place, but it did not work. Found later in the net that the Markup fee is 3.5%+18%GST.

tejas08 · 30th April 2024, 08:50

Quote:

Originally Posted by kavensri

Recently I used my 4 different credit cards during my Netherlands/Germany visit and this is what is my experience:
1) HDFC DB - Worked flawlessly at all the places where I tried. This was my default card as 'Forex Markup Fee' is lowest with this card (2%+18%GST).

Hope you had the Global Value Program Active on the HDFC DCB.

kavensri · 30th April 2024, 08:56

Quote:

Originally Posted by tejas08

Hope you had the Global Value Program Active on the HDFC DCB.

I was not aware of this program and when I checked it now, it is showing that the offer got expired in 31-MAR-2024. So, I might have missed it by a whisker.

thanixravindran · 30th April 2024, 17:01

Quote:

Originally Posted by kavensri

I was not aware of this program and when I checked it now, it is showing that the offer got expired in 31-MAR-2024. So, I might have missed it by a whisker.

HDFC is poor in keeping the website updated. Please send an email to customer care requesting to activate GVP, if you wish. They will activate it after getting email consent from you. If it is indeed removed, they will inform you.

vinu_h · 14th May 2024, 12:31

Quote:

Delhi man says he got Re 1 cashback from Cred after paying credit card bill of Rs 87,000

Source

India is experiencing hyper growth and all players are investing heavily into acquiring customers, and it shows via the many outlets we have today to subsidize our purchase by investing before, during and after the transaction.

Amazon Pay gave me a tiny laddoo for having used them to pay a 5 figure credit card bill. I don't mind it as I received plenty of cash back from the credit card company and the seller itself. We are spoiled for choices today.

Night Raven · 15th May 2024, 14:06

I have been holding an HDFC Regalia/business regalia for over 5 years. With the recent changes in the airport lounge access rules I am facing a problem. I have spend over 3 lakhs in the past 4 months on this card, have paid all bills on time but I can't see any airport benefits added to my account. As per the smartbuy regalia webpage, I am eligible for 2 lounge access vouchers if I spend 1lakh in a quarter. When I login the page always says "benefit not eligible". Is it an error on their part or am I missing something? Anybody here has a similar experience?

21st April 2024, 16:34	#7561
Vizay BHPian Join Date: Mar 2012 Location: Bangalore Posts: 90 Thanked: 72 Times	Re: The Credit Card Thread ICICI had a slightly different reward points called "hand picked reward points" on few type of cards. Looks like they have discontinued that and merged with general credit points, which has so dismal conversion . Anyone in same boat, any idea? How does it compare to other leading cards? Last edited by Chetan_Rao : 21st April 2024 at 16:44. Reason: typos
	() Thanks

25th April 2024, 20:01	#7563
Guite BHPian Join Date: Jul 2008 Location: NCR Posts: 738 Thanked: 641 Times	Re: The Credit Card Thread I have or used to have credit cards from the following banks: ICICI, HDFC, SBI, Axis and Citibank. I am looking for credit card from some other bank. Can members recommend one or two banks with good credit card service, other than the banks listed above. Wide acceptance, good rewards schemes and complementary airport lounge access are my criteria. I would like to go only with large banks with long standing reputation.
	() Thanks

26th April 2024, 21:21	#7565
vinu_h BHPian Join Date: Dec 2009 Location: Bengaluru Posts: 563 Thanked: 956 Times	Std Chartered Ultimate Std Chartered Ultimate has been my primary for a while. I've racked up a few lakh reward points over time and it just works when used outside India. I mostly use it for grocery, flights and hotels, yet the bank decided to halve my credit limit today. I'm not sure if I was singled out but otherwise happy that they haven't devalued the card and only changed the credit limit.
	() Thanks

26th April 2024, 22:20	#7566
SilentEngine Senior - BHPian Join Date: Jan 2008 Location: KA19,KA04 Posts: 1,167 Thanked: 762 Times View My Garage	Re: The Credit Card Thread Does Amex Platinum Travel card give lounge access to supplementary card holders? Most likely no based on what i read in other places, but wanted to confirm here if anyone has first hand experience. Received my card today, was wondering if i should apply for add-on.
	() Thanks

28th April 2024, 10:03	#7567
aadiaksh BHPian Join Date: Sep 2022 Location: Vapi Posts: 62 Thanked: 82 Times	Re: The Credit Card Thread My Infinia metal is not working for international transactions even though the same has been enabled. I was purchasing somethings from Amazon USA website and there was no debit transaction for the infinia card used. When I used magnus, the debit was instant and received a message as well. Both are visa infinite card. Any insight into this is welcome as I have considerable purchase to put on infinia from the Amazon USA website.
	() Thanks

28th April 2024, 22:44	#7570
kavensri BHPian Join Date: Oct 2015 Location: BengaLooru Posts: 351 Thanked: 853 Times View My Garage	Re: The Credit Card Thread Recently I used my 4 different credit cards during my Netherlands/Germany visit and this is what is my experience: 1) HDFC DB - Worked flawlessly at all the places where I tried. This was my default card as 'Forex Markup Fee' is lowest with this card (2%+18%GST). 2) IDFC FIRST PLUS - Worked fine at the only place where I tried. Markup fee is 3.5%+18%GST. 3) SBI CACHBACK - Tried at only one place, but it did not work. Found later in the net that the Markup fee is 3.5%+18%GST. 4) ICICI AMAZON PAY - Tried at only one place, but it did not work. Found later in the net that the Markup fee is 3.5%+18%GST.
	(1) Thanks

15th May 2024, 14:06	#7575
Night Raven BHPian Join Date: Nov 2015 Location: Kottayam Posts: 222 Thanked: 951 Times	Re: The Credit Card Thread I have been holding an HDFC Regalia/business regalia for over 5 years. With the recent changes in the airport lounge access rules I am facing a problem. I have spend over 3 lakhs in the past 4 months on this card, have paid all bills on time but I can't see any airport benefits added to my account. As per the smartbuy regalia webpage, I am eligible for 2 lounge access vouchers if I spend 1lakh in a quarter. When I login the page always says "benefit not eligible". Is it an error on their part or am I missing something? Anybody here has a similar experience?
	() Thanks