Most underrated “membership” for Indian travelers: owning a single share of Indian Hotels (IHCL).

Here is what the shareholder perk looks like right now:

•	Discount: 25% off on stays, dining and spa at Taj, Vivanta and Ginger.

•	Cap: Up to ₹2,500 off per bill, 10 dining coupons a year, 1 stay coupon. So roughly ₹25,000 maximum annual benefit if you fully use them.

•	Coverage: Valid across 100+ properties under Taj, Vivanta and Ginger in India.

•	Minimum: Even 1 share of IHCL is enough to qualify.

Example: If a Taj stay costs ₹10,000, after the 25% shareholder discount you pay ₹7,500.

Multiple family members can get 1 share each in case more coupons are required.

Has anyone used this or something similar?

Is SBI Cashback credit card stopped giving 5% cashback on buying amazon payment gift card from Amazon?

I just bought the Urban Company Native M2 Pro on Flipkart. I stacked a ₹1,750 HDFC bank discount with the card’s 5% cashback (₹833). Getting a premium smart RO for an effective price of \~₹15.6k with zero annual fees is a massive win.

​Most people forget this card gives 5% back on Amazon and Flipkart, not just Swiggy. If you have it as LTF, definitely keep it for these big-ticket online purchases!

Post

Sharing below a tried and tested trick to get 10% cashback on Amazon Pay GCs - quite useful for paying bills etc.

How the trick works:

Instead of buying on Amazon directly, you go to the Zepto app and buy a Physical Amazon Pay Gift Card.

1. Zepto Discount: Sometimes, Zepto gives some extra discount depending on the zip code.
2. Card Cashback: Use a card that gives 10% back on groceries (since Zepto is counted as a grocery store), you get ₹1000 back.

Top Cards Rewards Table:

Credit Card Name	Card Reward	Application Link
HSBC Live+	10%	Apply Now
Equitas Selfie	10%	Apply Now
SBI Cashback	5%	Apply Now

Apply links for these cards:

• HSBC Live+ Card
• Equitas Selfie Card
• SBI Cashback

Steps to follow:

• Search for "Amazon Pay Physical Gift Card" on Zepto.
• Pick the ₹10,000 one as it usually has the best margin.
• Important: Before you put the OTP, check the SMS from your bank. The merchant name should be Zepto Mark / Marketplace. This ensures the bank sees it as a "Grocery" spend so you get the full reward.
• Once the physical card is delivered to your house, just scan or add the code to your Amazon Pay wallet.

Share in comments once this works for you! Also, comment any other card which you feel is beneficial here.

Multiple people have reportedly converted their FYF cards to LTF.

Steps to convert your card to LTF:

1️⃣ Show some usage of the card (multiple transaction helps).

2️⃣ Email HDFC's Card Services Team with your spending and account details.

3️⃣ Be persistent and follow up if needed.

Helps in saving unnecessary fees.

Has anyone else tried / planning to try this?

My credit card stack includes the following

HDFC Bank Regalia Gold - 2500rs
HDFC Tata Neu Infinity** **- LTF
HDFC Tata Swiggy - LTF
HDFC Upi - LTF
AXIS Neo Rupay - LTF
AXIS MyZone - LTF
RBL Shoprite - LTF
Unity Roar Rupay - LTF
ICICI Amazon Pay - LTF
ICICI Coral Rupay - LTF
Jupiter CSB Edge Rupay - LTF
Slice Super Rupay - LTF
IndusInd Pinnacle - LTF
IndusInd Platinum Rupay - LTF
AU Bank LIT - LTF
AU Bank InstaPay Rupay - LTF
Indian Bank OneCard Metal - LTF
Indian Bank OneCard RuPay - LTF
BOB Uni Gold VISA - LTF
BOB Uni Gold Rupay - LTF
Scapia Visa - LTF
Scapia Rupay - LTF
Yes Bank Ace KreditPe Rupay - LTF
CUB SalarySe Rupay - LTF

Happy to know your all stack and limits 😌 pretty sure there must be people with Infenia and EPM with just one card having 15-20L limits ✨

Just applied kiwi credit card and got approved for pnb kiwi card. During the kyc, the bank person said that the card is ltf. But on website it's showing annual fee.

I didn't order physical card but got a message showing you will get card in 5-7 days. Does that mean I get physical card?

Does the annual fee gets charged in first month?

Also can't login into the pnb genie app. It's showing please contact customer after successfully sending otp from my number.

I have been using the Amazon Pay ICICI card but realised there are better alternatives.

Which is your go to card?

Most of us get cashback and just use it to pay for more groceries or small bills. But there is a better way. You can trade your NeuCoins for Physical Tanishq Gold Coins at a 1:1 rate (1 NeuCoin = ₹1).

How to earn the Gold quickly

If you use the Tata Neu app for your regular monthly shopping (around ₹10,000+), you can easily collect ₹1,000+ worth of NeuCoins every single month using the Neu Card (currently no joining fees).

I recently got a 0.5g Tanishq Gold Coin (priced at ₹6,990) just by redeeming points I earned from my regular BigBasket and Zomato spends through Tata Neu Infinity card.

Spend Category	Cashback
BigBasket, Croma, 1mg, Air India, Tata CLiQ, Taj Hotels	10% Back
Insurance & Utility Bills (Electricity, Gas, etc.)	5% Back
Any UPI payment (using Tata Neu UPI ID)	1.5% Back
Joining Bonus (on your first transaction)	1,499 Coins

How to redeem

The redemption button is a bit hard to find, so follow these steps:

1. Open the Tata Neu or Tanishq app.
2. Go to the Jewellery section and select Gold Coins.
3. Add the coin to your cart and proceed to the payment page.
4. Important: Under the payment options, click on Gift Cards and Vouchers, then select Coupons and Vouchers.
5. Look for Loyalty Redemption, this is where you enter your NeuCoins to pay for the gold.

It’s a great way to turn your everyday expenses into a real asset.

Do comment below if you're using a similar strategy!

Used once in mumbai and now it is charging me again to use in mumbai while other cities its showing just 2rs don't know if its a bug or what.

Source: Directly from HDFC's website

Miss those days when Infinia/DCB were given like candy in Covid.

Just got back from Thailand trip. We walked through e-gates and were done in seconds vs the previous experience of 45 mins wait.

We registered for FTI-TTP (Fast Track Immigration - Trusted Traveller Program) a couple weeks before the trip. It's for Indian citizens/OCI with clean records. Here's how:

Registration Steps

1. Visit official site: http://ftittp.mha.gov.in
2. Click register, fill in name, passport details, contact info. Passport needs 6+ months validity.
3. Upload your passport photo + scans of first and last pages (plus any other docs they ask).
4. Verify with OTP on phone and email. Get confirmation right away.
5. Schedule biometrics – fingerprints and face scan.
   • Easiest: FRRO office in your city
   • Or next time you're at a participating airport on departure

Approval came through in a week. Once approved, it's valid up to 10 years or passport expiry.

How It Works at the Airport

After check-in (departure or arrival):

• Find e-gates next to normal immigration counters (Delhi T3 has them).
• Scan passport + boarding pass on first machine.
• Biometrics on the next (face/fingerprint).
• Green light, barrier opens, you're through. No talking to officers.

Anyone else using this? Which airports have the smoothest e-gates?

Finally, after showing ‘No offers for you’ for 3–4 months, HDFC is now showing me these credit card options.

My question is that,

1. Which card should I choose from this?.

2. I’m eligible for a Millennia credit card. If I don’t apply now, can I apply for it later directly?

Any suggestions are welcome.

I was only using it for the Movie and now that is gone as well 🤦

Check your Amazon Pay app.

Amazon is running 'Add Money' offer for various cards. They will refund the convenience fees.

You keep the Card Rewards.

Amazon Wallet Balance can be transferred to any UPI.

Hi all,

I am currently using the RBL Indian Oil XTRA credit card mainly for fuel spends. My annual fuel expense is around 60K - 70K (combined bike + car), so I wanted to get some opinions from the community.

Annual fee: ₹1769
Current points: ~7.4K points

As per my understanding, these need to be converted to XTRA Rewards points for redemption at IOCL pumps

My concerns:

Is this card actually worth keeping for my level of spend, especially considering the annual fee?

I have seen mixed feedback about the real reward rate vs the advertised 7.5%
Redemption process seems a bit complicated (convert > redeem at IOCL)

Given my usage:

Should I continue with this card or close it before renewal?

If closing:

What are better alternatives for fuel spends in India right now?

During the BlinkDeal6 sale on Myntra (April 11th and 12th, 2026) I made purchases totaling 46,482rs using my SBI Flipkart Credit Card.

As per the card benefits, Myntra transactions are supposed to get 7.5% cashback. But after my May 1 statement got generated, I received only ₹465 cashback (~1%).

I contacted SBI Card customer care, and the agent said cashback depends on the MCC (Merchant Category Code). The MCC for my transaction is 5699 “Apparel and Accessory Shops - Miscellaneous” which is not excluded from the eligible cashback categories.

What’s confusing is:

Transaction was directly on Myntra
MCC seems valid
Offer should have been eligible
But cashback posted only as regular 1%

One thing to note: I used the “Scan & Pay” payment method inside Myntra during the sale. Not sure if that changed the MCC routing or cashback eligibility internally.

Wanted to check:

Has anyone else used SBI Flipkart Card via Scan & Pay on Myntra?
Did you receive full 7.5% cashback or only 1%?
Any idea if Scan & Pay transactions are being treated differently?