Credit Card Help Desk: Answers to Your Questions!
- Thread starter honest1
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No you don't. As far as I know, no bank report cc number in cibil report nowadays & certainly not axis.
Simply go to any cc bill payment platform like paytm & enter your last 4 digits of card & linked mobile no. to fetch the bill. Btw, 3 years is a long time & your cibil should be already ruined by now.
nRiTeCh
Oracle
Found that the offer was from Mar till Apr 24.
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prime
Herald
Anyone here using the HDFC Regalia Gold? Are there any benefits that make it worth upgrading from the Millennia card?
nRiTeCh
Oracle
honest1
Herald
I have not used Regalia Gold but to my knowledge, its an upgrade from Millennia card and have various benefits but you need to first see based on your use case. If you are looking for cashbacks, stick with Millennia but if you are open to have rewards which you can redeem for travel, etc, its good to upgrade !
prime
Herald
Thanks, Paytm does allow payment based on last 4 digits.
The bill payment didn't go through though. Will have to visit Axis Bank branch again. Last time I went, they were of no help.
And yes, cibil score is down in the dumps. But clearing the bill will start the process of it coming back up.
honest1
Herald
1. There are many cards who doesnt charge forex markup, you need to check which one suits you!
- HDFC Bank Regalia ForexPlus Credit Card.
- IDFC Bank First Wow Credit Card.
- Federal Bank Scapia Co-branded Credit Card.
- Axis Bank Burgundy Private Credit Card.
- RBL World Safari Credit Card.
- ixigo AU Credit Card.
- Club Vistara IndusInd Bank Explorer Credit Card.
- BookMyForex Forex Credit Card.
2. Any Rupay Credit Card can be used to make payment through UPI. You can check HDFC Tata Neu, Jupiter CSB Card, etc
You can't make peer to peer payment through credit card, Rupay or not. Even for merchants, they have the option of not accepting credit cards over UPI. Unlike savings account, credit cards are not free, they charge MDR. So small merchants like grocery stores, vegetable sellers will not accept credit card payments over UPI.
Credit card over UPI is largely accepted only in places which anyway accepted payment via credit cards. And payment to individual accounts is simply not allowed.
Actually, they are more likely to accept rupay cc linked upi payments if really small because as per googlepay merchant acc T&C, up to 2k inr rupay cc linked upi txns are free (zero mdr) for merchants having annual turnover (not profit) less than 50 lakh.
DCC is only charged when you make international txn payment in converted rupees amt (the default option in paypal). Among all the above cc suggested with zero forex charge the easiest to get (which is what matters) is IDFC WoW card which is issued against FD & can be get from any IDFC bank branch in your city.
awestorr
Herald
This got rejected, bank messaged him today
Something about it not meeting the "Bank's credit norm".
That's their standard reply. It is always better to get a typical cc preferably ltf (neo or myzone) from axis bank as their savings acc holder from their pre-approved offer & once you get it then getting flipkart cc shouldn't be an issue after 6 months. In any case, flipkart cc main feature is its unlimited 5% cb on flipkart shopping for which there are now alternative cc like sbi cashback card (more chances of getting considering past customer of sbi cc), hdfc millennia cc (again not as easily approved if not holding bank acc with hdfc) & hdfc swiggy cc (may get approved more easily if backed by good txn history on swiggy in recent months).
variablevector
Forerunner
Ass-kiss bank sucks with approvals and will reject you for any obscure reason. I've had like 3 "preapproved" offers from them and been ultimately rejected every time.
Try HDFC/ICICI. Or SBI again. A lot depends on his ITR. Or whether he has parked enough funds in a bank's account.
Many ppl mistake "pre-eligible" (to apply) for "pre-approved" offers so always look for exact words "pre-approved" on offer page. If it is a real pre-approved offer then 99.9% it will be approved. For reference, the offer you see in airtel thanks app for airtel axis card or in googlepay app for axis ace card are not pre-approved but pre-eligible (to apply) offer.
variablevector
Forerunner
Yeah, but these were actually pre-approved and I called them and confirmed it. But my case is very rare. The reason they keep rejecting me is that my first CC was a secured card from Axis, which I closed after I started getting unsecured ones.
But even though this card has been closed for years, Axis has a policy that they will never issue me an unsecured card now. At least as far as I can tell from talking to bank employees. Even if I were to get their Burgundy account and keep >5L balance, they said they still can't break this rule for me.
First time I am hearing such a thing in all these years. ICICI bank does have a policy of not issuing typical unsecured cc to someone already holding their FD based platinum cc but never heard of a lifetime policy for any cc company/bank except for onecard which does have a policy of one cc per lifetime of pan unless it is a secured cc from partner bank SMB which are gradually being moved to unsecured version.