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Card payment MDR, I paid a merchant and he was charged 1.6% plus GST

If they start becoming election issues, it's going to be way different. Indians want international facilities without doing same level of criticism of the Government.

It may lock you out of Super Money but it will open new avenues for you in core bank credit cards. Don't worry and take the plunge if you want to.

It's a useless account. All HNI accounts are useless in my opinion. They asked me to find my account and keep 30 lakh in account for approval of credit card which I did and it's the highest limit I have ever got on a credit card.

Take it, if you avoid it, probably you won't get anything in future, those old big limit days are gone.

Have you got the code?

Does anyone know how to get the Club Marriott code?

I opened the Account on 26th December 2024, haven't received the code yet. I am disturbing my branch daily. Does anyone know how to get that code?

Should I just keep Imperio or fight for Celesta.

0.45 per point.

I went through the offline process and got Imperio with 2.5 lakh limit despite holding a much higher limit in CIBIL and a Celesta account with Federal Bank. I accepted the offer and took the card and now have started escalation via Celesta desk to upgrade it to Celesta. But now I have got a...

Redeem the points for cash or sell the points to someone via Marriot(Maximum 1 lakh per year is allowed).

Sadly, you are not one of Indians who follow FOMO. Amex in reality is average but whenever I use it, people around me say that ‘Oh you have an international card’. I can’t make them understand that it’s the worst credit card for international transactions in my portfolio.

Twitter influencers need referral bonuses. They hype American Express so much, people think it’s a good card and apply for it. American Express has built it’s image as credit card of rich people, so everyone wants feel rich with FYF card.

He promoted Bajaj Prime membership via 3rd class apps whereas better offer was available at Cashkaro. Cashkaro offer gave equal money back. I paid ₹499 and got ₹500 back. It's not a very good membership but I got membership with ₹1 extra profit. He promoted apps which gave ₹300 to ₹400 cashbacks.

Flight platforms use MCC of Railways, so no points there. Try using Snapdeal on local grocery stores not big merchants.

Supermarket is excluded, Grocery isn't.

Majority of the grocery stores and other things are not excluded. I pay for grocery, vegetables, milk and get the RPs.

It still is no nonsense card and gives unlimited 1% cashback on eligible UPI spends.

I think a Bank can't sit and see the merchant names, they will probably include all MCCs around it. This will probably cause a lot of issues in future.