Credit Card Help Desk: Answers to Your Questions!

honest1 said:
Hey everyone!
Whats your recommendation for a free or very low-cost credit card suitable for young people. The only feature needed is lounge access—no other perks are necessary.
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Does it have to be a credit card? Some Debit cards provide almost same lounge access benefits.
Recently banks have levelled up the restrictions on lounge access to curb the crowd. Most cards now have a minimal spending threshold before you can access the lounge.
I would suggest Bank of Baroda debit card (rupay platinum) it will give you 2 visits per quarter domestically and 2 visits per annum internationally. Charges are 350rs + 18% gst
 
Canara Bank has a few cards that offer lounge access without spending criteria, but they do have fees.

As Afxal pointed out, a few debit cards offer lounge access.

IDFC and Indusind comes to mind.
 
Somebody share email id for axis bank please
Credit card ones
Don't know why but my mother's credit card account is showing my father's axis savings account linked to it
Closing my father's account so I dont't think the card should have a issue?
 
Hi - I cancelled my HDFC Infinia credit card as HDFC customer care's resolution on a dispute was pretty poor - they just didn't listen to what I was saying.

I am looking for a credit card vendor which has reasonable dispute policies and which is NOT Amex.

Thanks!
 
Mr. Studd said:
Hi - I cancelled my HDFC Infinia credit card as HDFC customer care's resolution on a dispute was pretty poor - they just didn't listen to what I was saying.

I am looking for a credit card vendor which has reasonable dispute policies and which is NOT Amex.

Thanks!
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Amex is the only one, all Indian banks are crap, dispute resolution is a hit-or-miss unlike Amex with their no questions asked policy
 
In 2020, RBI asked HDFC Bank to stop digital launches, new credit card sourcing, etc. for quite some time, which was restored only in Mar.'22. Strange to see they haven't changed much.
 
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