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I think this has been discussed before in other threads, but I didn't find any viable solution yet, so asking this again: My wife and I are planning to open a joint account where we want to deposit money from our salary accounts for rent, some household/online spends, etc. It has to be linked...

Hi, Earlier I had a Platinum mastercard DC from SBI that expired a couple of months back (didn't notice since I use it once a quarter) but SBI didn't send me a replacement DC. I had to apply for a DC through Yono and only got Global variants (Rupay, Visa, MC), which seems like a downgrade from...

I have a home loan with HDFC. It started at 7.5% ROI, but gradually increased to 9.15% now. When I visit HDFC website, I see their HL starts from 8.5%. I have a CIBIL score of 799. Can I request them to decrease my ROI to 8.5% based on my CIBIL score? Is this possible? If so, who do I mail?

I'm planning to buy an iPhone 14 Pro when I will be visiting Vietnam next year. I will be carrying a Niyo Global SBM credit card and a Niyo Equitas Bank debit card. Which one should I use for the purchase so that I get charged lesser fees? I was thinking about Equitas since for SBM cc, I need to...

Niyo Global is providing 3 bank options - debit cards with DCB and Equitas bank, and FD backed credit card with SBM. Can the SBM cc be used to withdraw money from ATMs in foreign countries (as it is a credit card)? Are there similar ATM withdrawal charges for DCB and Equitas as well (as they...

Hi, Got my SBI Vistara Prime delivered today, and noticed it's on the Mastercard network. I was expecting to receive a Visa Signature card. Will there be any advantages in using this Mastercard version (especially with respect to lounge access, as I heard Visa is better in that regard)? Also...

Recently got approached by a SBI Cards agent at a supermarket, and his methods were kinda unorthodox. Wondering how legit these agents are (he was sitting at an SBI Cards kiosk, but his ID card has contractor written on it) wrt. the data we provide them. Are they safe?

Hi, Has anyone used the free premium economy ticket voucher provided by SBI Vistara Prime credit card. Can it be used to purchase a domestic ticket of any amount, any route? Does 100% of the ticket cost get covered by this voucher, or are there limits? Also, any other pros for this card?

Hi, I'm planning to opt for the Amex Platinum Travel card specifically for accessing 080 (and other similar 'Amex' lounges), but I have a couple of questions: 1. Amex TnC mentions a 'discounted fee' of 500 for domestic and 750 for international lounges. Do I have to pay this charge for...

Hi, Can someone tell me which SBI credit cards are eligible for 10% discount during Amazon Great Indian Sale? Looking for cards which can be used during the sale and provide decent offers throughout the year as well.

I have a salary account with Axis (Prestige). I recently joined a new organisation and an Axis contact person mentioned that I can get my account upgraded to Burgundy Salary if net monthly salary > 2L. I know Burgundy is only offered to those with salary > 3L pm. Does anyone know anything about...

Hi, I have an active home loan with HDFC. I recently noticed a very sharp dip in my credit score. On further checking, it says I have defaulted on my March '23 EMI. However, the EMI has been paid in full as usual, and reflects as paid in my bank statement as well as Loan account. This is...

I have a very weird problem over here. Since last year, all my credit card applications are getting declined citing bank's internal policy. I got the Apay cc in 2021. I took a home loan in mid of 2022. After that, I applied for BOB Premier, ICICI Rubyx, HDFC Regalia (c2c) and Axis MyZone...

Hey, Can my sister's Digisave Youth Account be linked with my Preferred Banking Savings account so that she can enjoy the same benefits? I had spoken about it with my RM earlier, but he said Digisave Youth account cannot be linked and I need to get it closed and open a regular savings account...

How long does it take for HDFC application process status to move ahead from 'IN PROCESS'? Their sms says we will get to know about it in 10 days. Applied via C2C. Can it get rejected because of too many cc inquiries last month?

Is there any way to get the DCB card as LTF without availing the alumni offer?

How long does it take to receive any intimation (approval/rejection/anything) from HDFC after applying for a credit card via C2C method? I applied by signing on a physical form last Wednesday. Haven't received anything from them since then. Also, what determines the credit limit of the new card?

If I apply for a credit card from HDFC via C2C, will they check my CIBIL score? (my org has corporate relationship with HDFC)

How do I get Regalia LTF CC upgraded to DCB LTF (or higher card, if any)?

Something weird happens whenever I try to apply for a credit card with Axis bank. I get calls from Axis about pre-approved credit cards (MyZone, mostly), but when I apply for them as per the agent's instructions, it gets rejected after a couple of days 'due to bank norms'. I have a Prestige...