thanks to this thread. tried closing octane, was told not elegible for LTF and annual fee waiver already availed last month when i actually wanted to close the card. i asked for my simplyclick card and they agreed on LTF. recently closed my olamoney also
while i agree with most of ur points. that is not 1.4%. there are people paying 1.4% interest a month in homeloans / or other loans and still have foreign trips officially or for business . For them it is 1.4 % interest loss per month of wait