Recent content by Gau₹av

No no I was just figuring what would be the 3 best Kotak credit cards to keep now after the massive June-July 2025 devaluation of Zen and League. There are 10% offers from Kotak regularly on various merchants like Myntra, Tata Neu, Jiomart, Reliance Digital, and of course Amazon, Flipkart, so...

Today I found SundasBank has a "Delite Debit card" and a "Delights Debit card" 🤦🏻‍♂️😂

What is PG charges? Payment gateway takes charges at the time of redemption of White Pass? Or you're referring to some PG/convenience charges for Govt websites? There aren't any charges for retail merchants right?

For Kotak White (not White Reserve which has absurdly high milestones): 4 Lakh spends will be 1% as cash, 1.5% as Amazon voucher 6 Lakh spends will be 1.4 as cash, 2% as Amazon voucher

Can you do this calculation for 10L instead of 3L? Do we take the White Pass earns value or Total White Pass value for calculation? For 3L, it's the same, 5K

Isliye to bank profit mein hota hai if we blindly take paid cards with the lure of cashback. Paid cards can also undergo SUDDEN devaluation with no remuneration for those who paid the fees (EazyDiner Signature anyone?), so we have to calculate this

Ohh matlab soon to launch! Kotak Cashback+ has 2L waiver and ₹750+GST=₹885 fees 5% on (let's suppose) average value of grocery order of ₹1500 = ₹75 cashback which means approx 11 to 12 months of savings will be required to recover the joining fees 😆 For food delivery there are so many 10%...

Yes SBI Cashback ke liye sab natak hai inka otherwise they are desperate to give other cards. But you never know about PhonePe SBI. SBI Cards as a company is the most vile, rotten, chudail chor company which is always hellbent on looting the customers of other cards (exception: SBI Cashback for...

Until last month (June 2025), Pixel gave 5% on HDFC SmartBuy even as 5% was discontinued on most HDFC core cards and reduced to 1%. Now HDFC SmartBuy has broken off entirely with IRCTC and partnered with ConfirmTkt so Amazon Train ticket booking is the better option

Until last month (June 2025), Pixel gave 5% on HDFC SmartBuy even as 5% was discontinued on most HDFC core cards and reduced to 1%. Now HDFC SmartBuy has broken off entirely with IRCTC and partnered with ConfirmTkt so Amazon Train ticket booking is the better option

Yeah now it's useless. Pioneer Heritage Metal is also crazily priced 🤪 and yet gives only 1% on domestic spends 🤪 plus SundasBank have like ZERO offers on any merchants So they have destroyed every single one of their credit cards and made them so unattractive there's no reason to keep them...

SBI PhonePe cards are also coming, PhonePe Purple and PhonePe Select Black cards. Here are benefits of Black. Rewards capped at 2000 INR EACH and it has no mention of Scan and Pay or UPI so probably these are going to be Visa/Master cards

That is good to know. Another question I have: after statement generation, Neucoins earned alongside instant discount will get transferred/moved to the Neu app right? So will SBI forfeit the Neucoins later and make them negative?

Well at least we have tap on POS machines for those stored/tokenized cards in phones. And GPay, CRED, Samsung Pay supporting tap and certain bank apps - SBI Cards, PayZapp for HDFC cards and ICICI iMobile. Samsung Pay even supports Yes Bank Mastercard and Standard Chartered cards for tap - which...

After the sad demise of BharatQR in GPay, only SBI Card, IDFC app, Kotak old app, old IndusMobile, ICICI iMobile. For Axis, HDFC, RBL, OneCard, BOB, Federal - no option left