Team-BHP (https://www.team-bhp.com/forum/)

-   Shifting gears (https://www.team-bhp.com/forum/shifting-gears/)

-   -   The Credit Card Thread (https://www.team-bhp.com/forum/shifting-gears/92603-credit-card-thread-531.html)

The Tata Neu Infinity Rupay CC should fit the bill for you. It is a Rupay CC that you can add on your favourite UPI app and there is decent cashback in the form of Neu Coins (1 coin = 1Rs). More details here: https://www.hdfcbank.com/personal/pa...nk-credit-card

Well you can get a charge card, which in theory has no limits. I have AMEX charge card for more than 20 years and have never faced any issues with limits. In fact you can enhance your spending limit especially for hotels and tickets by discussing with AMEX help line. They will also let you know the limits on various kinds of expenses.

As a last resort if there is a possibility of exceeding your spending limits, you can prepay an amount. This works with most cards. (better check with their help line).

The primary difference is 5x vs 3x on smartbuy along with limits

Got massively irritated yesterday by SBI's doltish customer service and ever-suspicious approach (to even reasonably high spenders), and severed my credit card relationship by closing my 3 credit cards. Was ironically cheered by the online closure request process though. Do other banks do the same?

Got a callback today and confirmed all 3 closures. Can still log into my SBI Card account but says no active cards.

Got this "no-dues' email too immediately on my email:

26/09/2024

Reference Number: xxxx

Dear SBI Credit Cardholder,

Thank you for contacting SBI Card.

This is with reference to your communication regarding your SBI Card account number
xxxx.

SBI Credit Card Account Closure: We wish to inform you that your SBI credit card account has already been closed and as on date there are no dues payable to us.
Kindly note that this NOC is not with regard to the charges incurred by you, on the
abovementioned card, which has not been posted or do not reflect in your SBI Credit Card account due to various reasons such as 'pending authorization', 'system or other errors'.

Irrespective of this NOC, in such cases you shall accordingly continue to be liable to pay the amount that may accrue on your card.
For any queries related to your SBI Card account, please contact our Helpline at 1800 180 1290 (toll free), or 39 02 02 02 (prefix local STD code), or 1860 180 1290 (toll). Our
Customer Service Representatives are available between 8 AM and 8 PM, Monday to
Saturday. However, the IVR service is available 24x7. You can also E-mail us your query at www.sbicard.com/email.

If you are not satisfied with this response, you can E-mail us at nodalofficer@sbicard.com.

You will receive a response within 5 working days. Alternatively, you can write to us at HeadCustomer Services, SBI Card, Tower C, 10th Floor, DLF Infinity Tower, Gurgaon, Haryana122002 (please mention the Ref. Number at the top of the letter). You will receive a response within 7 working days from the date of receipt of your letter.

Please note:
1. Goods and Services Tax will be charged as applicable on fees, interest and charges
2. You can update your contact number and E-mail ID through our website or Helpline
3. Please visit sbicard.com to know more about your SBI Credit Card, its benefits, exciting offers and discounts

Warm Regards,
SBI Card
xxxxx

This is system generated letter and does not require any signature.

I have experienced their terrible support too and decided to close the account. Even if you mail the nodal office, it will 3 days for them to reply, and that too with a copy-pasted statement. Every time I reached out, there was a copy-pasted generic reply and without any resolution. After SBI I think AXIS comes close to 2nd in crappy customer support.

Has anyone noticed that Amazon is no lonnger letting us use Amex if we are purchasing Amazon e-gift card? I have been buying Amazon gift cards on Gyftr but it has a limit of ₹10k per month, so when I am still short to reach ₹20k, I buy them from Amazon itself, but now it is no longer possible. It looks like Amex worked with Amazon to make it harder to reach spend targets.

How does an add-on card work? Will it share the same limit as the primary card and also add towards towards spend goals?

Yes, it has same limit as primary card. Spends on it also counts towards primary card spend goals. Everything is rolled up under Primary card.

Yes. Limit is shared across. So lets say, you have 5 lakh limit, primary card outstanding is 3 lakh, you can max use the add on for the remaining 2 lakh only.
Same with milestones too.

I want a CC in which there are no charges for fuel payment, if anyone knows then please tell me

Amex does not charge for fuel purchases but only at HPCL for transactions under 5K. They won't even add surcharge in the first place, unlike other cards that add them and reverse it afterwards (excluding GST).

Not all HPCL stations have POS machines that accept Amex (AFAIK, only ICICI & Pine Labs machines work with Amex).

https://www.americanexpress.com/in/c...cpid=100495995

Add-ons are literally just that, an add-on card to the primary account. Shares all benefits and privileges, even the monthly statement (depending on the issuer, the statement might have separate itemized transactions for the primary and add-on card, for your convenience).

If/when getting an add-on card, please ensure the phone number tagged to it is the actual add-on user's, NOT the primary card holder's. Critical to get OTPs and other relevant messages directly without having to contact the primary card holder each time.

Some banks make it easier than others nowadays, but it's still not seamless across the board.

Hey Guys,

I have been facing an issue with my Axis Magnus CC for the last 5-6 days. The payment fails as soon as I enter the card details and I don't even reach the OTP page but it works fine for some websites even when the gateway is the same (Razorpay for example). I spoke to Axis customer care and they said, everything is fine as per them and the card should be working fine. They're saying since the OTP is also not getting triggered, the issue is not with the card and they can't rectify it as it doesn't show as a failed payment on their system.
Has anyone else faced a similar issue? I'm thinking of just blocking the card and getting a new one issued. What do you suggest ? :)

Since last few months, Reddit is flooded with new Infinia cards.

I feel that devaluation for Infinia is not far away. They recently restricted redemption of points.
Source