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@creditcardwalah Yeah.. Many PSU banks still rely on traditional underwriting models, especially for non-salaried applicants. Income tax returns are a start, but for business income, they often need direct proof like GST/Udyam to assess stability. It's their conventional risk mitigation approach!

Understood why PSU Banks are far behind Private Banks in CC Market... 🏦 Went to Canara Bank to Apply for Credit Card for my mother (A/C holder) 📄 ITR? Fair enough. 😅 But before even checking the application, they asked for GST/Udyam Certificate and business proof. 🤔 Why not first check the credit score & eligibility? If needed, then ask for additional documents. 💳 I have got 30+ credit card but never in my life I was asked for any income proof or documents. What's your experience?👇 #CreditCards #CanaraBank #ccgeeks #Banking #PersonalFinance

@jassneetsingha Axis max life 15k monthly ulip plan! The perfect transaction that helps me maximize MRCC every month!

What insurance policies were you able to pay recently using Amazon Pay? And via which platform? Last year, I paid for CARE and ICICI Lombard directly via their portals' wallet option, and HDFC Life via Amazon Pay. All successfully via AZ Pay GV.

@EvryPaisaMatter @AxisBank @AxisBankSupport Axis offers 5% cashback on GPay with the ACE card, but a 500% email-back rate on abandoned applications. Their persistence is truly unmatched! Looks like hitting Apply is the only way make the notifications stop🤣🤣?

Axis Bank Bhai @AxisBank @AxisBankSupport , Bahut Bahut galti ho gayi ki main aapki "Top Secured" Credit Card application wali screen pe chala gaya. Please mujhe maaf kar do aur yeh Mail Bombing khatam karo. Lesson learnt hard way. 🙏🏻

For details on the offer refer: pickmycard.in/blog/scapia-re… Apply now:pickmycard.in/go/federal-sca…

Scapia new Referral offer cohort is out and this time there is a charm💫 attached to it! A Tanishq gold🪙voucher worth Rs.30000 or a Marshall Action III Speaker🔊! Which one are you aiming for? Detail Deep dive and Apply link on the offer in pinned comment link.👇

@jassneetsingha Good list for mid premium tier cards! But you missed one from entry level cards, Equitas Selfe card still provides 4 complimentary domestic lounge visits annually with no spend precondition!

Airport lounge access is no longer “free.” Most banks now require ₹35k–₹50k quarterly spends just to unlock lounge access. These cards still offer lounge access without any spend condition: 👉Axis Horizon – 32 Domestic + 8 International 👉HDFC Marriott Bonvoy – 12 Domestic + 12 International 👉Kotak Air+ – 4 Domestic + 2 International 👉IndusInd Tiger (LTF) – 8 Domestic + 2 International The trick in 2026 isn’t spending more—it’s carrying the right cards. Which no-spend lounge card is in your wallet?

@SBICard_Connect A good reminder on physical card safety. With so many transactions now digital or via UPI, a key risk is apps (specially ones downloaded from unknown sources) having access to sms which may be able to leak otps. We see this as a key area where users face evolving risks!

Would you hand over your wallet to a stranger? Then why hand over your card! Before passing your card to anyone: 🛑 STOP – Is it really necessary? 🤔 THINK – Why does someone else need your card? ✅ PROCEED – Only if your card stays with you. Small precautions can prevent big losses. Stay alert. Stay protected. #SignalsOfSafety #SBICard

If you have it as free addon card, use it only for the 1500*4 Amazon pay for a better yield!(~9%) I stuck to this☝️until I actually needed 15k monthly ulip plan into midcap policy which made me but the 20k milestone again! But I have it for free as long as I hold Plat Travel so this made sense!

Amex MRCC is struggling to find a place in my wallet after BigBasket integrated BBDaily with it. 18% valueback from EPM >> Amex MRCC load. Fuel is again sorted using Shell Vouchers from EPM. Looks like NPS is the only option left to at least hit 6k. How are you using?

@think_in_points For a blend of established luxury and wide-ranging benefits, we propose DLF Infinia Towers. It sounds like a community that offers comprehensive lifestyle advantages!

Comment a Builder + Credit Card combination, and let's see who comes up with the most creative society name. I'll start: Lodha Magnus

@jassneetsingha This isn't unique to ICICI🏦; i think its being done Industry wide. All Banks are recalibrating rewards that boost third-party platforms (eg:Axis-Accor breakup💔, Smartbuy devaluation etc). Marketing budget is being diverted to boost direct spends or higher-tier cards💳

Looks like ICICI will just weaken iShop by removing all in-demand vouchers. This is a devaluation without much noise.

@nothingindia Since this is a Flipkart drop, it is a straight shootout between the SBI Cashback 💳 and the Axis Flipkart card💳. Both yield ₹1,500 back at this ₹29,999 price point. Are there any instant discount bank 🏦offers running that stack with standard card rewards🎁?

Get ready for the all-new Nothing Phone (4b). Starting from ₹29,999 | Exclusive launch day offer.

@ICICIBank The Account Aggregator framework is a massive step forward for Indian banking. A read-only dashboard only solves half the problem though. Are there any plans to allow direct fund transfers between these linked external accounts right from the iMobile app?

One dashboard for a clear view of all your finances! With iFinance, you can seamlessly track your bank accounts, stocks and ETFs in one place. - Available on iMobile, InstaBIZ and Net Banking - Monitor income and expenses anytime - Track spending patterns across categories - Download statements whenever you need them Smarter insights. T&C apply.

Good oberservation! We noticed it too! Even HDFC & ICICI have pre approved offers but usually not for the good cards💳! Axis Bank often has fairly strong pre-approved offers for their account holders, even for new-to-credit customers. A good entry point for many starting their card journey🚗.

For anyone starting their credit card journey, having an Axis Bank savings account can genuinely help. I’ve noticed this pattern with many users: their first credit card often comes as a pre-approved Axis offer, even when their credit history is still limited. Not a guaranteed route, but definitely a useful starting point.

This makes the Axis IndiGo co-brand cards interesting, Must be great to see it go live live on stage! But something feels off for reward math : Why burn 6,000 BluChips for 1,000 Accor points when standard hotel cards give cleaner point value? Also the reverse conversion is lopsided. Are there any hidden sweet spots in the fine print?

It’s here

@CreditCardsInd Paid the bill on the 1st, CIBIL tanked on the 10th. Clearly, the SBI backend algorithm is just a government uncle sitting at a desk typing 'OVERDUE' on everyone's file because the server is slow today. 😭

🚨 Update on #SBI Card CIBIL Overdue Issue Just received a call from SBI Cards Social Media team. They confirmed they’re aware of the widespread incorrect “Overdue” reporting for July bills and have escalated it to the concerned team for review. However, no confirmed timeline for resolution yet. Keep checking your CIBIL report. Will share updates as I get them. #CreditCardsIndia #CIBIL

[5/5]The clock: RBI gives 30 days. 21 for the lender, 9 for the bureau. Past that, you are owed ₹100 for every day of delay. It cannot be credited unless you supplied bank details with the complaint. Almost nobody does. Also check all 4 bureaus. Fixing CIBIL leaves Experian, Equifax and CRIF wrong. Full escalation ladder, the exact fields to check on your report, and the sources: pickmycard.in/blog/sbi-card-…

[4/5]Ask for one specific thing in that email: a corrected data submission to all 4 bureaus, reversing the overdue and the DPD marker for the July cycle. Vague complaints get vague replies. SBI Card's own policy gives normal complaints a 7 working day turnaround.

[1/5]I have not seen a cleaner example of a credit file being wrecked by a bill that was never late. SBI Card holders are reporting that July's current due went to the bureaus as OVERDUE, days before the due date arrived. Check your report today. Heres how to actually fix it.