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2025

TF Legend From India
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  • 2
    It seems many old and new members are not aware about TF guidelines.

    Kindly refer this to update yourself.
    TechnoFino

    Thread 'TechnoFino Community Rules & Guidelines'

    TECHNOFINO COMMUNITY RULES AND GUIDELINES (w.e.f. 5th Jan 2024)​


    This page includes rules and guidelines for using the TechnoFino Community. We assume good faith when dealing with violations. We will only warn or ban users who repeatedly or blatantly violate the rules. Administrators have the final say in modifying, interpreting, and enforcing these rules.

    Subject Coverage:

    Posts in these forums must only be related to banking, credit cards, investment, insurance, travelling, air miles, and personal finance.    ...
    • Like
    • Lovely

    Post your suggestions/ feedbacks here: https://www.technofino.in/community/threads/if-you-have-suggestion-request-post-here.2130/

    or here: https://www.technofino.in/community/threads/celebrating-50-000-members-a-big-milestone-for-technofino-community-🎉.39227/
    2
    These days many empowered TF members knowingly or unknowingly helping banks/ companies to close the secret tricks by posting them publicly as a publicity stunt.

    Instead as veterans have suggested "pro guys" should post them in "how to maximize rewards" section if the intention is only sharing.

    Lesson is still incomplete for them. Then why should #abhishek get all the blame? There are many aspiring Abhisheks in TF.

    #SBIVDC #IDFCDC #HDFCDC #Phonepe #Unipay #ApayZomato #Payzapp #RupayPlat #KotakSup #Etc.
    • Like
    • Hehe
    • Haha
    Reactions: 6ix9ine, Strange, desiviru and 8 others
    View previous comments…
    S U D O
    S U D O
    Agree with @cardio_guy in his comment above. I don't know what Abhishek is doing. But people are definitely informing banks on X. Tagging banks while sharing tricks, sending dms to banks' X handles. And its not just one person who is doing this. There are hundreds.
    sovon
    sovon
    It's not about banks only.
    Jealous people who don't get the benifits do this on Twitter.

    Flipkart, Amazon bugs are also reported by users who missed the opportunity.

    I remember few years ago people are getting 100% cashback upto 1000 on smartwatches on Amazon, people reported it and Amazon cancelled maximum orders, somehow I received my packages.
    cardio_guy
    cardio_guycardio_guy is verified member.
    @sovon Correct, good point. It is not just banks. There are people who inform these fintech and ecomm apps as well. Those new apps have lot of bugs and they release it without fixing everything just to get ore users. And some people find out lopholes in those apps and use it to the core.
    That too, for Jiomart, it is just a jujubi matter, even if all 150cr Indians loot the 100 Rs offer 1000 times, Mukku bhai doesn't even care, Reliance wealth is crores above all. But small kids like savesage and maximizemoney are not like Ambi. Their trousers will tear if people exploit the loophole. With the popularity of social media, everyone comes to know everything within fraction of seconds. One viral X post is enough to crash the servers of many apps.
    2
    Not even 5% increase in capacity in long distance trains observed in last 10 years. Infact, capacity has reduced.

    Almost all long distance trains during Diwali vacation showing regret. We can't even book tickets on first day of opening the booking window 🪟.

    In short distance premium trains like Bande Bharat 60-90% seats are vacant.

    Amrit kaal my foot.
    Seat tak nehi de paye, dene chale amrit😡
    2

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    2
    Any hacks for AGV balance to account without fraudulent activities?

    I am looking through Investment and not by expenditure.

    -NPS (CC/ UPI allowed)
    -Gold buy n sell (Didn't tested)
    -Insurance (AGV allowed directly)

    Please DM if u know.
    2
    I think this is perhaps best time to apply for conversion of card network from Visa/ MC 💳 to Rupay 💳.

    RBI and bank must facilitate this conversion for all cards immediately. Nation First.

    Convey the sentiment...if not done, mass email ✉️ to RBI Ombudsman.
    • Like
    Reactions: plastikman, akiratoriyama, Kushagra_ and 2 others
    HumorSimpson
    HumorSimpson
    Om budsman namah 📿
    praying homer simpson GIF
    2
    Just in case you think it's too early to close a credit card within a week.

    Here, what I did today with Indusind Platinum Rupay CC.

    Thaught about it,
    Applied it,
    Got it,
    Activated it,
    Closed it.
    All within 3 hours.

    😂😂🫣🫣
    2
    Loud and Clear.

    Our national leadership lack basics of Geopolitics.

    Missing Chanakya like advisor (Guru) more than ever before.

    Wo toh tav hoga jav wo accept karenge ki unko nehi ata. They themselves feel that they are better than Chanakya or anybody else. NEP 2020 was a trailer on that direction. :crying-face:
    • Like
    Reactions: Beyond, Garry and SSquad
    HumorSimpson
    HumorSimpson
    context ? ?
    rajarancho
    rajarancho
    I just wish the nation doesn't turn into banana republic like havana in next 5 yrs. Going by the freebies culture, most can't live here for long..
    2
    2025
    Context? Do I really need?

    1. Break the education system to prepare sophisticated labourers to work for them.

    2. Not able to figure out what is happening. (Context? He is my good friend.. He is a good friend of mine... but your countrymen has to pay max tariff even worst than my enemy. The concession is for you man. Your countrymen are ineligible)

    3. Let enemy know your weakness. Then let them backstab you.

    4. There are plenty. I occasionally write about it when I feels appropriate.

    On the sideline, the leader is busy to inaungarate kartavya bhavan without even able to figure out his own kartavya.

    I have listened him many times in 2014 blaming MMS for being mute. Now?

    Even then there were tens of channels who could spell out corruption by govt. Now?

    Let me ask you straight enough...who is our real friend? Name any 10 country out of 200+. Who took stand for us against them. NONE.     Not aginst us does not mean for us.

    We are the largest country for namesake.
    2
    Ukraine gone!
    Mexico fight is on!
    Canada fight is on!
    China backfired.
    Russia backfired.
    EU bend before their lordship!
    Japan bend before their lordship!
    Brazil on.
    Pakistan pucho mat!
    Rest compromising!!
    India?... Nation wants to know.
    -------
    What do u think?...How India gonna respond?

    1. Weak (compromising)
    2. Mediocre (compromising)
    3. Showpiece pact (bend before the lordship)
    4. Strong (retaliate)
    5. Super strong (teach a lesson)
    2
    When China does something against us we initiate Anti Chinese Product Movement.

    Now USA imposed somthing against us, why can't we initiate such movement? Are not we biased here...❓

    Are not we already in the process of being a puppet but feeling humiliating to accept it ⁉️

    Hope someday our brilliant graduates and Edu Institutions start anti US placement policy.

    Oh! Sorry! Our job at risk!
    So personal benefit dominating over national.
    That's the hard reality we often ignore while blaming others on similar front.
    2
    Any UPI/ Card/ Wallet/ Loan/ Banking app asking for mandatory access to your contact details is likely to be mishandling your data.

    Stay away from them. Better safe than sorry.
    2
    RBL Account Debit Freeze. Two years old (online 5k) full kyc account. After about cumulative Rs. 20L+ retail transactions (mostly in last Financial year).

    These days banking = freezing. When will RBI freeze all these bank's txn monitoring system into freezer.

    Somebody should freeze RBI first to let them realise the pain of common public and for not taking appropriate action against the freezing machinery.

    1000038397.webp

    --------
    If your account got freezed like mine then this is the form bank want you to fill and send to RBL customer care email id for necessary action:


    But wait, I usually avoid sending anything signed to general customer care people. So I may approach branch to do the needful.

    Edit: 10-July-2025: Debit freeze removed (after profile updation, 2-3 days)
    1000038609.webp
    2
    If you want to change the card network among Visa/MC/Rupay then perhaps RBL does it quicker than others.
    -Yesterday I received MC Shoprite LTF. Asked them to change card Network to Rupay.
    -Today they issued a new card. No khich khich like AU, SBI, & Axis.

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    2
    I hate this kind of reply. They doesn't make a call but they fake it. Not once, many occasions I have observed.

    It's ok. Not to call a customer when respective customer initiate email communication. But, faking it is not acceptable. What do u think?

    1000037343.webp
    • Like
    Reactions: s1t2y3a3m6 and S U D O
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    2
    2025
    @RupayMan True. I have also experienced this.

    Sometime some customer care people call us. They say I am unable to here you. Please come to network area. Even though we are in full network area, we clearly here them and respond... I am able to hear your, it's tough to get you connected, please don't cut the call, hello.. hello... even then...they cut the call just in few seconds.

    Possibly they just mute us and record as if we are not responding. Then cut the call. SBI ppl do it often. Two days back PNB did that. I forgot who else but I have seen some particular customer care service does that.
    RupayMan
    RupayMan
    @2025 Most of the PSU does
    • Like
    Reactions: 2025
    SSquad
    SSquad
    Axis and SBI Cards, first level support starts with nodal office. Thank You.
    2
    Pharmeasy plus annual membership at 49/- for smartbuy user. Unable to redeem/ pay. Anything I am missing?


    Edit (18-June-2025): Finally found the process how to get Pharmeasy annual membership at 49/-. It's a tricky one. Got it as well. Discovered it myself after so many trial and error and losing about 300/- in the process. But got my ego satisfied.

    I am not sure whether people did not know this or did not wanted to share, or something have changed since they bought it. Still, I am thankful atleast many of them gave attention on this.

    Net discount rate for smartbuy user is 30%+, at times it is 40%+    . Including all offers appropriately used with most rewarding cards.
    View previous comments…
    akiratoriyama
    akiratoriyama
    How did you eventually buy?
    • Hehe
    Reactions: 2025
    2
    2025
    @akiratoriyama I bought through payzapp > smartbuy > pharmeasy > 49-buy > let it fail > (quickly) buy medicine > add 49 (there) > buy togather > pay. That's it. (Bit tricky, but u can do it).

    I lost hours of time and Rs. 300-400 to self learn this trick. (Even their customer care executive didn't able to help on this).
    akiratoriyama
    akiratoriyama
    Dispute file kardo :hehe:
    • Hehe
    Reactions: 2025
    2
    My latest RBL DC issued this month is not working for Ecom txn.

    Anyone facing same issue?

    As usual both branch and customer care are clueless.

    This is what txn page was showing two days back.
    1000036894.webp

    This is what txn page showing today.
    1000036893.webp

    Edit (June, 14): Now working. Most likely ATM transaction helped.
    View previous comments…
    Astromit
    Astromit
    Faced same with newly issued Axis Card, complained upto PNO, no solution but after RBI complaint, they did solve this but still took 7 days after RBI complaint.
    • Sad
    Reactions: 2025
    Rahul Gupta
    Rahul Gupta
    This is a syncing issue with mastercard. Call customer care and tell them to raise a debit card complaint with backend team. They will resolve it within two working days. just tell them you are not able to do online shopping transactions.

    Important tip- You must ask for complaint number as sometimes these fools generates a lvl 1 complain and backend team wont entertain such complaints.
    • Thanks
    Reactions: 2025
    kuchbhi
    kuchbhikuchbhi is verified member.
    Apno ka bank hai na

    Apne kaha bhala chahte hai hamara 😭
    • Haha
    Reactions: 2025
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