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  1. saiki4116

    Best Credit cards for International Transactions and Travel - Guide

    IDFC cards don't have interest for withdrawal, but there is capping of 10,000₹ (at least for IDFC wealth CC)
  2. saiki4116

    SmartBuy Vouchers Using Diners Black CC

    Is Primary and Addon card considered the same card? HDFC has the card number for both
  3. saiki4116

    Has anyone tried - AU Swipe Up Program ?

    Somehow pointing to older application. Contacted them on Twitter, after some follow ups it's approved and got the card
  4. saiki4116

    Port Blair, Andaman: WelcomHotel by ITC, Bay Island, Port Blair

    How many nights the stay is? Sorry I skimmed through it, couldn't read it in detail
  5. saiki4116

    Has anyone tried - AU Swipe Up Program ?

    I have applied on 14th May and KYC done in 14th itself. Got a call on 15th to send out a email from with work mail confirming WFH. No updates afterwards. What's the usual time AU takes to process application.
  6. saiki4116

    HDFC Preferred Banking Programme - Add Family Members.

    I got Preferred invite, but not taken the upgrade yet. Bit busy with other things.
  7. saiki4116

    ICICI AST YES for completing vkyc

    Similar thing happened to me, when I applied via their website, they have given option of Emerald, Saphiro instead of platinum chip card that I started the application. I closed the website and to my surprise, application id generated has gone to a limbo. Their CC are unable to track it. I had...
  8. saiki4116

    ICICI Bank charged me annual fees on my credit card even after meeting reversal criteria

    I have raised a ticket with RBI regarding Personal Lian CIBIL enquiry for Credit Card Application, they came up with non sensical Roy like this and closed the ticket. I have raised the ticket again, then they removed the Personal loan CIBIL enquiry.
  9. saiki4116

    AU CC application expiry

    I have sent a request to delete the Lead via email and their team called me and said that I would have to wait 45 days to get it deleted.
  10. saiki4116

    AU CC application expiry

    Never thought about it. I couldn't find lead Id or application ID. Do they take this request by call or email?
  11. saiki4116

    AU CC application expiry

    I have seen that AU offering some LTF card as a financial year end offer. I applied and they are offering LTF Au LIT card and paid Vetta and Zenith card, so didn't proceed forward as I was hoping to get their regular LTF I am about close SC ultimate card, so wanted to replace it with a AU LTF...
  12. saiki4116

    Is Standard chartered Ultimate really worth ?

    Even with the Redgiraffe which has lowest of platform fees, it comes out to be ~0.36%. No hope for other platforms.
  13. saiki4116

    Is Standard chartered Ultimate really worth ?

    Not much to worry, hardly using it unless there's a Citi specific offer. My card was LTF, Axis launched a new rewards card, most probably would be converted to that
  14. saiki4116

    Is Standard chartered Ultimate really worth ?

    SC, Citi are overly conservative. I wouldn't be surprised if SC rejects even if someone has good salary, but from a unknown company. Citi has given me 1L limit, because it has a partnership with our org for salary account, when HDFC has given limit of 50K based on the salary. Citi hasn't changed...
  15. saiki4116

    Is Standard chartered Ultimate really worth ?

    I have same thoughts and about to cancel it. The process to get Addon card is tedious and requires a bank visit, a lot more documentation than other banks and the add on card goes to the address of the add on card holder not the primary. They have wasted 2 months in to and fro for add-on card...
  16. saiki4116

    How to file a complaint against a bank on the RBI banking ombudsman portal

    I have created a complaint via email, got the acknowledgment. Acknowledgment mail went to Spam. Anyone facing OTP issue can send out a mail.
  17. saiki4116

    How to file a complaint against a bank on the RBI banking ombudsman portal

    I can, but I am afraid they might close it due to mismatch of registered Mobile number. I am also raising complaint with my mobile operator for the OTP, facing same issue with Hppay, Tatacliq
  18. saiki4116

    How to file a complaint against a bank on the RBI banking ombudsman portal

    @TechnoFino , I have to raise complaints against ICICI and SBI regarding unnecessary CIBIL Hard Enquiries, but I am not getting OTP from RBI Ombudsman Portal. What alternatives are there to raise the complaint? After looking at ICICI's outdated Ombudsman page, i was able to find
  19. saiki4116

    ICICI giving me Paid Sapphiro when I wanted Platinum LTF via Online Application

    Since they have done 2 enquiries. I would make them process with the same application number. I have called customer care, they are very keen to start another application rather than resuming the current application. I don't have any immediate need of ICICI card. Time to make them understand...
  20. saiki4116

    Cibil Transunion Membership, Worth it?

    @anirbanm , I have raised dispute in Cibil Website and they(SBI) have changed it.
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