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If you want to bring your taxable income below ₹7.5 lakh (to, for example, benefit from a lower tax rate or a rebate), you may need to consider tax-eligible deductions under the old regime, not the new. Under the new regime, only a limited list of deductions/exemptions are permitted (such as...

You cannot claim your own EPF contribution as a deduction under the New Tax Regime. Employer contributions to EPF(up to the specified limits) remain exempt from tax and you do not need to claim this separately in your return. Also, Interest on moderate annual contributions remains exempt, but...

Your account will be 3 months old day after tomorrow! Starting from then, you can try applying for any LTF Axis CC directly through the Axis Mobile app. Just make sure to enter your annual income as at least ₹4.5 lakhs and select “Salaried” as your employment type and type any nearby shop/firm...

I faced a similar issue in May, so I wrote an email to HDFC CC Customer Support describing the problem and included screenshots of the relevant transactions and my statement. Initially, I received the same response: Transaction not eligible due to MCC code.... blah blah 😑 To verify, I reviewed...

Punjab National Bank (PNB) generally liquidates the fixed deposit (FD) automatically on maturity to adjust any outstanding overdraft (OD) amount against that FD. This is a standard practice: when your FD matures, the bank first recovers any unpaid OD dues from the FD proceeds, and only the...

You will now earn only 0.25% reward when using the SBI Virtual Debit Card, as bonus reward points have been discontinued.(with effect from 05th june 2025) 😭

Start with SBI Zero Balance Account Open an SBI Zero Balance Savings Account using the YONO app. Once your account is active, apply for a virtual debit card through the app and consider disabling the physical debit card to keep your account truly zero balance and avoid any unnecessary charges...

DYOR AVOID

This credit card isn’t really worth it. You’re better off waiting for a better offer to come along. ✌️

No idea, honestly! 😕 One thing is certain: opening a FD makes zero sense unless you're planning to apply for a secured HDFC CC.

I've personally used this EMI trick multiple times to increase the credit limit—on my own credit cards as well as those of my family and friends within first year of issuance.

I personally prefer accepting the Lifetime Free Swiggy HDFC CC offer. It’s a rare find, and HDFC doesn’t often roll out such great offers. You could also try making an EMI transaction of at least 6-9 months—it might just trigger a credit limit increase offer too. 😉 Pretty sweet deal overall! 👌...

Written records such as emails, complaint reference numbers, or denial responses Read the previous post carefully, you will get all the answers. 🤗

Yes, if you already have an HDFC savings or salary account, it may be easier to get one. Otherwise, it might be difficult without income proof.

Nope ❌️

Open a savings account with HDFC, and while doing so, select 'Business' as your source of income and indicate an annual income of atleast ₹6.5 lakh. After successfully opening the account, apply for the Biz Series credit card via branch officials. Alternatively, maintain an account balance of...

I recommend waiting until the BBD/GIF sale arrives, as the chances of CC approval are high. Apply for a credit card at the bank where you already have your savings/salary accounts, or consider opening a new account with a private bank that offers the credit card you’re interested in. Be sure to...

Consider holding off on applying for new credit cards for at least 6 months, unless there's a special lifetime-free offer on a great card during the festive season. 🤗