Rupay cc suggestions pls

[Deleted member 23535]

Hi all
Hdfc tata neu infinity( showing fyf, waiting for ltf offer)
Bob snapdeal
Kotak myntra
Or other cc
Which one is good for upi txns?

Monthly upi txns upto 15k

Thank you

 

[NShah]

In sms showing amazon gift card, when i bought az egv in az using millennia cc, will i get 5% ?

Y e s

 

[NShah]

Don't worry about that. If you spend close to 2L, just ask them to do fee waiver. They should be able to do for 1year atleast. Then continue like this.

asking about neu infinity, present i can spend upto 2L only in 1 yr. So is there any way to spend 1L? And insurance payments giving 5% ?

If you spend 2L in a year you can ask for ltf
They make my cc ltf within 3 months spend around 70k

 

[Pack_of_Cards]

Dekhlo kuch samajh aye to.

English - Check if this helps.

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[saucy]

Tata neu hands down.
Then Myntra
Then kiwi/bob etc

 

[plastikman]

Hi all
Hdfc tata neu infinity( showing fyf, waiting for ltf offer)
Bob snapdeal
Kotak myntra
Or other cc
Which one is good for upi txns?

Monthly upi txns upto 15k

Thank you

Try for Axis Kiwi. It is LTF. If you want, I can share a referral code and link.

 

[sousnake]

Does kotak myntra cc give 1.25 cashback in statement. any catch there? In that case it is better than neu infinity, right?
1.25 in statement vs 1.5 in neu coints. Isin't that better?

 

[Pack_of_Cards]

I don't know if it's just me, for some reason I am not able to convince myself to apply for Fintechs like Slice, Unipay, FalanaPay, Dhimkha Pay. I have read in many forums that once these fin mushrooms goes out of business which they usually do, it's very hard to close these and get that closure reflected in CIBIL.
Even Flipkart BNPL's are sometimes reported weird in CIBIL, if they mess (both Fintech and BNPL) which they are bound to do at some point of time your CIBIL takes the hit.

P.S. - I am open to suggestions, criticism is even more welcome, convince me otherwise.

 

[Deleted member 23535]

Does kotak myntra cc give 1.25 cashback in statement. any catch there? In that case it is better than neu infinity, right?
1.25 in statement vs 1.5 in neu coints. Isin't that better?

For kotak myntra, We get rp on min. 2k or above spends only
And for tata neu 1.5% on total spends, one guy told me
Bob snapdeal is paid cc
Every cc has it's pro's and con's
That's why confused, which one to apply

 

[Pack_of_Cards]

I don't know if it's just me, for some reason I am not able to convince myself to apply for Fintechs like Slice, Unipay, FalanaPay, Dhimkha Pay. I have read in many forums that once these fin mushrooms goes out of business which they usually do, it's very hard to close these and get that closure reflected in CIBIL.
Even Flipkart BNPL's are sometimes reported weird in CIBIL, if they mess (both Fintech and BNPL) which they are bound to do at some point of time your CIBIL takes the hit.

P.S. - I am open to suggestions, criticism is even more welcome, convince me otherwise.

want your thoughts @Rkr , @S S V @4uziaul @D₹V @plastikman @saucy @RishiKiDev @CARDBITRAGE @ashwink @VISHESH_BANSAL @vaibhav111 @NShah

 

[D₹V]

I don't know if it's just me, for some reason I am not able to convince myself to apply for Fintechs like Slice, Unipay, FalanaPay, Dhimkha Pay. I have read in many forums that once these fin mushrooms goes out of business which they usually do, it's very hard to close these and get that closure reflected in CIBIL.
Even Flipkart BNPL's are sometimes reported weird in CIBIL, if they mess (both Fintech and BNPL) which they are bound to do at some point of time your CIBIL takes the hit.

P.S. - I am open to suggestions, criticism is even more welcome, convince me otherwise.

If you don't trust, don't join the party.

 

[saucy]

want your thoughts @Rkr , @S S V @4uziaul @D₹V @plastikman @saucy @RishiKiDev @CARDBITRAGE @ashwink @VISHESH_BANSAL @vaibhav111 @NShah

If you don't trust, don't join the party.

Like D₹V said
Kisne bola karne apply?

 

[Pack_of_Cards]

If you don't trust, don't join the party.

Ye bhi thik hai, did you guys faced issues.

 

[RishiKiDev]

Ye bhi thik hai, did you guys faced issues.

Don't apply for it dude. It's a pain in the a** to get any CIBIL resolved with these fintechs.
Stay away from these pieces of sh*t.

Only those who don't have any CIBIL should apply these to start there CIBIL journey without income proof.
For people who have proper income and CIBIL should stay miles away.

 

[vaibhav111]

I don't know if it's just me, for some reason I am not able to convince myself to apply for Fintechs like Slice, Unipay, FalanaPay, Dhimkha Pay. I have read in many forums that once these fin mushrooms goes out of business which they usually do, it's very hard to close these and get that closure reflected in CIBIL.
Even Flipkart BNPL's are sometimes reported weird in CIBIL, if they mess (both Fintech and BNPL) which they are bound to do at some point of time your CIBIL takes the hit.

P.S. - I am open to suggestions, criticism is even more welcome, convince me otherwise.

I never applied for any of their service or their cc.

 

[Deleted member 23535]

Pls share referal code for neu cc

 

[Deleted member 21942]

Pls share referal code for neu cc

Referral Code for Tata Neu cc: MOHA4505

 

[knight]

Pls share referal code for neu cc

Tata Neu CC Referral :: ABHI4443

 

[RishiKiDev]

Not relevant to UPI, but since we are talking about this, do you know how much to spend for DCB upgrade to be trigerred. I am thinking to spend around 3L this quarter to then manually ask for upgrade. Is it okay? I read somewhere around 8L for that. But some say that's for Infinia, not know for DCB how much. 🤔

Move most of your spends to your HDFC card. I think more than 6L spends would be atleast required.

I have also heard from my shitty RM that business cards are difficult to get upgraded to DCB and Infinia.

 

[aayusharyan]

Move most of your spends to your HDFC card. I think more than 6L spends would be atleast required.

I have also heard from my shitty RM that business cards are difficult to get upgraded to DCB and Infinia.

lol, okay. I will try and push them after 2-3 months again for upgrade. Will update here. Let's see 🤞

 

[gigachad]

Try for Axis Kiwi. It is LTF. If you want, I can share a referral code and link.

Half of the time it fails..🙂