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Just sharing this here since a few of us were talking about it earlier. Key updates: The new eligibility criteria kick in from 1st July 2025. For anyone onboarded on or before 30th June 2025, the new criteria will apply from 1st October 2025. If your group gets upgraded or downgraded on/after...

If your home branch is in Bihar and you’re currently living in Pune, that’s likely why the update isn’t reflecting yet, mobile number changes in PNB are usually verified and approved only by the home branch for security reasons. Here’s what you can do: Visit any nearby PNB branch in Pune...

If your CKYC record isn’t found while opening a new SBI savings account through YONO, it usually means your KYC details haven’t been updated in the central CKYC database yet, even if you’ve completed KYC earlier with another bank. Here’s what you can do: Check CKYC status online: 👉 Visit...

Here are a few good credit card options depending on how you usually shop: For Instamart, Zepto, Blinkit & BigBasket (online groceries): Axis Bank Neo Credit Card: 5% cashback on Blinkit and BigBasket, plus Swiggy discounts. HDFC Millennia / Axis Ace: 1.5–5% cashback on most app-based spends...

That is a big thing to ask. I have like around 3.5 Lakhs credit limit across 4 different cards. I don't intent to take any new credit card for now!

Totally get where you’re coming from, a lot of us have gone through something similar with traditional LIC plans sold as “safe investments.” You’ve done the right thing by re-evaluating it early. Since you’ve already completed 3 years, your policy has acquired a surrender value, so you do have...

This might be an interesting info that Scapia Card doesn't approve if you already have One Card

It’s actually pretty common to see such a big difference between PolicyBazaar and the insurer’s official website. This usually happens because of platform-specific discounts, commissions, or the way add-ons and GST are calculated. Sometimes aggregators show limited-time offers or don’t include a...

You usually can’t get the ICICI Sapphiro LTF directly unless it’s part of a limited offer or through a relationship-based upgrade. The best option is to keep using your existing ICICI cards regularly and maintain good spends and repayment history. You can then contact ICICI customer care or your...

Is bikes available there? This is a news to me. I will search today about this

I have HDFC Diners Club. I will also try to buy a bike through that and see if I can bargain about the credit charges with them. Thank you for the suggestion!

Nice setup,looks pretty balanced already. Since you’ve got decent online spends and insurance payments, I’d say: Flipkart Axis: If you’re a Flipkart Black member, this card’s value has definitely dropped after recent downgrades. Unless you’re getting consistent 5%+ cashback benefits, you can...

I have been working for 2 years. Now I think that I have enough savings to buy my choice of bike. Right now, I also have a SBI SimplyClick credit card. I wanted to know if it would be good to buy bike the credit card? Like there are three options for me now: buy bike with credit card, cash or...

HSBC usually kuch income proof maangta hai, especially self-employed logon ke liye, kyunki ye unke standard eligibility check ka part hota hai. Koi aisi “trick” nahi hai jisse bina proof ke card mil jaye. Agar aap self-employed ho, to aap ITR (Income Tax Return) ya last 6–12 months ke bank...

Thanks, useful details! I have some thoughts for big govt/NPS/tax payments look for cards that reward online or bill payments (gateway fees can eat into value, so check that), and prefer cards with easier redemption if you don’t like complicated reward funnels. You might want to try a low-fee...

That’s a really helpful explanation, thanks for clearing that up! Do you know if banks usually allow converting FD-backed cards to normal unsecured ones later on, or do I have to apply for a new card altogether?

Hi Sanket, I researched about this and found this information about these issues. Here’s what I’ve found: The 10% cashback on groceries applies only to online grocery transactions (like BigBasket, Blinkit, etc.), not local vendors or UPI payments. UPI spends are treated as regular transactions...

It is been a long time that I have been in some debt. But this debt is all from offline people. My cibil score. I have got a good job but now I want some low interest personal loan amount so i can pay off the debt and start giving EMI with my salary. I really want to get out from this is there...

10 Bank accounts that's a really a lot. How are you able to manage these?

Haan, aisa ho sakta hai maine bhi kahi pe reviews padhe the ess bare. Kuch users ne notice kiya hai ki Scapia app mein IRCTC / train ticket bookings par extra charge ya convenience fee lagti hai