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Income proof verification depends on the location; some banks prefer to conduct it, while others do not. In my location, none of the banks perform income verification, only KYC. Consider applying with: - IDFC (your choice) - YES Bank (Kiwi card) These banks offer offline KYC: - Axis Bank -...

HDFC IOCL: Earn 1 Fuel Point for every ₹150 spent. Fuel Points can be redeemed for free fuel at IndianOil outlets (1 FP = ₹0.96) through the IndianOil XTRAREWARDS Program, or as cashback and for catalog products via net banking (1 FP = ₹0.20). BOB Easy: Earn 1 reward point for every ₹100 spent...

You have to open it offline, and 99% of bank employees will tell you that there is no zero-balance account, unless you know them personally or are making an investment using their branch's bank account.

If your Freedom Card is not older than six months, you might face issues with getting it approved, as HDFC stipulates a minimum gap of six months between cards. However, in some exceptional cases, individuals have obtained new cards with just a one-month difference.

Year ending todha kam jydha hogaya 😅

There is a minimum waiting period of six months for credit card upgrades. Additionally, I don't see any worthwhile cards that match the Super Money cashback offered by IDFC. Therefore, it is better to close the current card and open a Super Money card

Online applications are entirely dependent on credit scores. Therefore, it is advisable to apply offline, where you can inform the bank that this is your first credit application and that you do not have a credit score yet. An experienced employee who has helped newly salaried individuals...

These hard inquiries will be visible once you start building your credit history. When you get accepted for a credit card, it will reflect the previous hard pulls. However, there is no need to worry as hard inquiries only remain on your credit history for three years. But having these many...

Existing Kotak users can obtain a credit card. However, only the onboarding of new customers online is prohibited.

limited to first 100

Once a month for the first few customers.

This issue occurs when I don't have a proper network connection. While YouTube videos continue to play, websites fail to load, which is a common problem with many online forums. Once I switched from Wi-Fi to mobile data, the site started working, and I realized it was a network issue, not a site...

You'll get physical card.

Gap between each application?

HDFC Infinia Credit Card: First Year Fee Waiver: You can get the first-year fee waived by spending ₹3,00,000 within 90 days of card issuance. Renewal Fee Waiver: The renewal fee is waived if you spend ₹10,00,000 or more in the preceding 12 months. HDFC Diners Club Black Credit Card: First...

That is not normal. Please reach out to HSBC again and wait for their response. If they do not respond within 30 days, you can register a complaint with the RBI Ombudsman. HDFC conducted three credit inquiries for one application, and when I complained to customer support, they said it couldn't...

The claim process is always a hassle, so it is better to choose the option that is priced lower.

The timing for calculating the end-of-day balance can vary from bank to bank. However, it is generally around 11:59 PM. Previously, it was often considered to be 6 PM, but with computerized systems, the day-end is now typically at 11:59 PM

Monthly Average Balance (MAB) is calculated by dividing the total closing balances by the number of days in a month. Banks typically check the balance at the end of each day. If you withdraw some amount around 8 PM and deposit it back by 7 AM the next day, it will not affect your MAB as long...

IDFC Power Plus IDFC select doesn't have offer on grocery spend.