I want a mid-range premium credit card. Suggest me

[Ayan37]

For 6 years, I’ve responsibly used basic credit cards (SBI, IDFC, HDFC, BOB, YES, etc.), maintaining a 770+ credit score, 100% on-time payments, and limits up to ₹1.1L. Yet today, despite my spotless record, but at this time my every new application—basic or premium—is rejected without explanation.
Is there something I’m missing? If anyone can guide me or help secure my desired card, I’d be deeply grateful.

 

[HumorSimpson]

Kiwi coin ka usage batau iss coin se keya keya kar sakte hay? spend karke coin to mil jayega lakin usko use karne ka kon konsa option hay plesse details me batau real life example ho sake to SS dena please.

kiwis can be transferred to bank account instantly without any redemption charges. It is not tied to any ecosystem like Tata Neu. Min of 500kiwis (i.e., 125 rs cashback) is needed to transfer which in no time can be accumulated for just 125*100/2 = 6250 rs spends. Kiwi is chaar ana in value i.e 25 paise. Dont get confused its just another way of CB. In fact the app shows both like 8kiwis = 2rs -> 2% CB won for every transaction. All these are instant , if you find any grocery or eatery not rewarding due to MCC mismatch which you can find it in the txn as 0 kiwis and you can avoid it next time.


Regular Kiwis on Neon Sub . 2% for the 100rs multiple spend. See the below pic. I spent 155 and got 2 rs CB. See it show 8 kiwis and rs 2 .


Sometimes it gives bonus kiwis. Generally kiwi app is very generous during the start of month. See for the same 155txn I got a whopping 47rs cashback which is 33% 😗There is no logic its pretty random some times 0 kiwis and some sometimes 100s of kiwis,


These bonus kiwis don't even have min spend threshold. See for a humble spend of 15rs too I got some CB.


Over the year see my full CB. 9465*100/170496 = 5.5%. Even if I had paid for neon sub and account it , it would be 4.8%


ONLY thing you need to keep in mind is per month the CB has a ceil of CL/2. If you get 40K CL, you can only spend 20K for the 2% cashback and milestone cashbacks doesnt' count into this ceil.
of course see if you can spend atleast 1L in an year as discussed clearly here
https://www.technofino.in/community...-for-kiwi-or-kredit-pe-ace.41707/post-1059557

cc : @cardio_guy