General Banking Discussions Thread

[John Since]

IndusInd Bank: Savings A/C, FD - Apps on Google Play

Savings Account, Fixed Deposit (FD), Zero Balance savings account

play.google.com

New digital bank with good rewards launched by Indusind

 

[Shubham Yadav]

Bhaiyo i have a query. Currently i hold airtel axis mastercard variant. For next month i have 500 cashback due, which gets credited before statement generation. Also i have requested axis nodal officer to switch my card network to Rupay variant. Now if they switch my card, do I get the pending cashback in my new card, or the excess credit balance ? How this thing works ? If anyone know, kindly tell.

So nodal offer agree to change card network?

 

[cardy]

So nodal offer agree to change card network?

Lagta to wohi hai!

 

[Hemang]

So nodal offer agree to change card network?

Bhai koshish jari hai meri taraf se, fir dekhenge nhi to RBI se help lenge. They are reluctant to switch the card network, they are asking the close the current card and apply afresh.

 

[cardy]

they are asking the close the current card and apply afresh.

And so that they can decline saying internal policies 🤣🤣🤣

 

[cardy]

By the way what is the extra benifit of airtel card rupay variant over master card?

 

[Kumar93196]

By the way what is the extra benifit of airtel card rupay variant over master card?

Same I don't see any benifits in rupay airtel bs Rupay hai that's it.

 

[Hemang]

Same I don't see any benifits in rupay airtel bs Rupay hai that's it.

UPI pe 1% return hai bhai without any hastles. Infinity pe ab bohot buggy system ho gaya hai jab 0.5%+1% separate kar diya hai. Plus neucoins are not of much use to me. Rest all benefits are same. Currently i have to use either BPCL OCtane for 0.25% return or ICICI rubyx for 0.5% return. So this way i could optimise my spends.

 

[Kumar93196]

UPI pe 1% return hai bhai without any hastles. Infinity pe ab bohot buggy system ho gaya hai jab 0.5%+1% separate kar diya hai. Plus neucoins are not of much use to me. Rest all benefits are same. Currently i have to use either BPCL OCtane for 0.25% return or ICICI rubyx for 0.5% return. So this way i could optimise my spends.

Ohky. Its only worth if you don't have any rupay cc which gives 1% back....

 

[Hemang]

Ohky. Its only worth if you don't have any rupay cc which gives 1% back....

Aur konse rupay cc hai jo 1% dete hain bhai, apart from tata infinity cc ?

 

[Kumar93196]

Aur konse rupay cc hai jo 1% dete hain bhai, apart from tata infinity cc ?

Kotak myntra.
Sbi paytm

Ye dono toh use hi kr rha hu mai baaki aur b honge

 

[Deleted member 18439]

Aur konse rupay cc hai jo 1% dete hain bhai, apart from tata infinity cc ?

2% cashback on kiwi card by yes bank
DM me for referral

 

[Donald J. Trump]

@SJM sir can you help me with my grievance?

As per rbi notification dated March 6, 2024 🪓 should have offered me rupay network preference when I was applying for it in January 2025 and like now they are not switching the card network and saying ki unke paas woh feature nahi tha in January 2025 and blaming it on me somehow aur bol rhe hai to either close and apply for new one OR change the network at the time of renewal in january 2030. Dono hi bekar solutions hai, because by 2030 given the trend of axis's devaluations, this card will be garbage.

So I raised it to the RBIO few hours back, do you think my case is valid or has any merit ???

also 20k ka compensation also i asked, even though I don't want any compensation. I want the rupay card.

 

[KingAAR]

Bhai phele tariffs NIKAAL do . Jokes apart, if you have the valid proofs all mails etc, attached, then you might have a valid case.

@SJM sir can you help me with my grievance?

As per rbi notification dated March 6, 2024 🪓 should have offered me rupay network preference when I was applying for it in January 2025 and like now they are not switching the card network and saying ki unke paas woh feature nahi tha in January 2025 and blaming it on me somehow aur bol rhe hai to either close and apply for new one OR change the network at the time of renewal in january 2030. Dono hi bekar solutions hai, because by 2030 given the trend of axis's devaluations, this card will be garbage.

So I raised it to the RBIO few hours back, do you think my case is valid or has any merit ???

also 20k ka compensation also i asked, even though I don't want any compensation. I want the rupay card.

 

[SJM]

@SJM sir can you help me with my grievance?

As per rbi notification dated March 6, 2024 🪓 should have offered me rupay network preference when I was applying for it in January 2025 and like now they are not switching the card network and saying ki unke paas woh feature nahi tha in January 2025

It is not mandatory to offer all cards in all variants. Some cards may have limited variants.

and blaming it on me somehow aur bol rhe hai to either close and apply for new one OR change the network at the time of renewal in january 2030.

This is correct as per RBI circular but my understanding was it should be during annual renewal and not after card expiry date (need to read circular again, read it long time back)

Dono hi bekar solutions hai, because by 2030 given the trend of axis's devaluations, this card will be garbage.

So I raised it to the RBIO few hours back, do you think my case is valid or has any merit ???

also 20k ka compensation also i asked, even though I don't want any compensation. I want the rupay card.

Depends on your luck and your BO's mood

 

[Donald J. Trump]

It is not mandatory to offer all cards in all variants. Some cards may have limited variants.

This is correct as per RBI circular but my understanding was it should be during annual renewal and not after card expiry date (need to read circular again, read it long time back)

Depends on your luck and your BO's mood

Thank you sir so much. I understand the point on the fact that it is not mandatory to provide all card networks on all card variants but when i was applying for the card Airtel Axie was already available on Rupay network. And the circular states like network can be changed when the existing card expires, not annual renewal.

Circular - Refer to point 3B

 

[SJM]

Thank you sir so much. I understand the point on the fact that it is not mandatory to provide all card networks on all card variants but when i was applying for the card Airtel Axie was already available on Rupay network. And the circular states like network can be changed when the existing card expires, not annual renewal.

Circular - Refer to point 3B

If it was already on Rupay they should have given you the option to select network. You can fight. All the Best!

 

[Anirudh Patel]

IDFC wow ka FD withdrawal hone mein kitna time lag jayega, I'm on a urgent need of money