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What's your question, I can connect you with someone who travels a lot with his points. He is very active on Twitter as well.

Few months ago, I came to about one platform but i can't remember the name, in case I get to know, I will definitely reply here. But, afaik, they charge huge convenience fees around 5%+.

I don't receive such email. it could be because I hold secured credit card from OneCard. But, yes these fintech changes their partner now and then like Slice do. Yes, they have stopped issuing unsecured cards and currently, rolling out only secured card.

I don't know any such method.

That's great to know, always happy to help you and other in best way possible :)

Yes, 100% true. I have Kotak 811 FD based credit card and this is my first card :)

Do you have any prior relationship with HDFC and required ITR limit? If yes, ask your RM or contact your branch manager for more details.

Sure, checkout here - https://www.rupay.co.in/rupay-offers/offer?id=224

Understand why you should never carry any balance to next month on your credit card - https://www.instagram.com/tv/CVkmhWmMHnb

If you don't have any card and income, go for FD based credit card. Don't look for BNPL products they are mostly useless and currently, in customer acquisition phase that's why they are giving so much discounts and offers.

- Kotak 811 Dream Different - OneCard - Bob Select

I have Kotak 811 Dream Different Credit Card, OneCard taken against FD. Recently, I have applied for my first unsecured credit card from Bob Select.

Use Rupay Platinum debit card, you will get 20% cashback upto 100 rupees per month per card.

Checkout these threads, he has summarized all insurance offers -

I have got my first credit card at the age of 20 from Kotak which is FD based card. I have applied in November 2021 and started my credit card journey.