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Eligibility criteria merely indicate who can apply. There are numerous other criteria to be met for card approval. Regarding unnecessary inquiries: If you have applied for a credit card, a CIBIL inquiry is mandatory. It would be the bank's mistake if they conducted multiple inquiries for a...

There is nothing significant to maximize. Simply use the card for six months to build your credit history and then switch to better cards. The only advantageous feature of the card is its zero forex markup; otherwise, the rewards structure is ineffective, with redemption charges of ₹118...

Not sure about that, a few people complained and got CB and few got rejected saying MCC 5411 will only get 1% CB. Hopefully if more people complain HDFC/Swiggy would fix that.

I found ACKO and TATA AIG to be lowest priced for High DIV

How old is that card?

Indusland does have the worst customer support, so does every other bank. That freezing is also true but doesn't affect everyone, only a few lucky costumers will face it. . Check their debit cards rewards program if that intrests you, you can consider opening the account or else there are better...

Bro change the RM 😂 I have MB+ LTF and I got Swiggy card as LTF been using from 5 months now.

It's not about the milk it about the MCC code RSP*INSTAMART with MCC 5411 is getting only 1% CB

Yes, it can be done, I got my first HDFC card the same way back in 2023. Complete offline application. - They haven't asked my order card statement they just I what I claim is listed in CIBIL or not. - Multiple telephonic verifications and offline KYC later got the card.

Last month as well this month my instamart orders didn't get me 10% CB

Forget about millennia card, it is outdated now. Consider taking Swiggy HDFC card. it is being issued as LTF now.

This is not true, you can close the card and apply for a new card after 6 months.

Yeah, even I won't recommend tata neu card. - Check out Jupiter app Heard it will give CB with your existing rupay card if you link it and use it with their app.

Mine if LTF

Active money on Kotak works this way! 180Days - 3.5% 180Days - 3.5% Annually - 7% My multiple Active Sweep crossed a year and I'm getting 7% interest in them.

My is confirmand LTF no fees levied.

This regulation was imposed last year. Up to ₹5 lakhs, every bank is secured as insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC). Beyond this limit, the level of security is the same across all banks.

Contact customer care through a call at 1800 1600 or 1800 2600. Ask them for confirmation; they have all the data on how much you have spent so far and how much you need to spend to qualify for a fee waiver. When I called them last time, they confirmed that two of my cards are lifetime free, and...

While my card is LTF this is what it is showing to me!

All you can do now is wait for six months and then reapply. If you try to apply again within this period, your application will be rejected as your last application is less than six months old. Additionally, it will create a hard inquiry in your CIBIL report, negatively affecting your credit score.