r/IndianCreditCards

I am using SBI PhonePe Black Credit Card 💳 — want to multiply savings by buying gift cards 🎁 (Amazon/GyFTR). Any trick, merchant, or method to maximize savings?

*Gyfter

*Cred giftcard

Or

Any other platforms?

Tricks , Hacks to save money on online spends

I have recently applied for this card in February and got rejected. My cibil is 778 and Monthly income is 15k. Did anyone get this card with 15k salary?

when will i get offer for upgrade to select account and how will cc etc will be issued? do i need to wait 2-3 months or what's the max and min timeframe? or shall i visit my branch?

also my communication pincode doesn;t have any branch will i get cc or shall i make fd? i am keeping 3L just for fd less select cc and select account , shall i continue or what alternate options are there? please suggest, i already have hdfc,axis,icici,kotak cc i am collecting all banks for bank disc offers

I am talking about the 250 cashback on doing two 2 250 rs+ transactions ( The rupay new card offer).

My Kiwi AU Kosmo card got approved recently.

Kiwi support is useless ofc

I’m planning to get the HDFC BizBlack mainly for tax payments and reward points.

My case:

• I’m a partner in a family partnership firm
• Card will be issued in my personal name
• I want to use it for firm payments like advance tax, TDS, and other statutory dues

My main question:

Can I use my personal BizBlack card to pay the firm’s taxes (firm PAN/TAN), and then have the firm settle the credit card bill through its current account?

From an accounting point of view, can this simply be recorded as:

“Paid by partner on behalf of the firm”

Or can that create audit / tax issues since the challan is in the firm’s name but payment is through a personal credit card?

Also:

• Are full reward points / accelerated points still coming on advance tax and TDS payments?
• Any reward caps, MCC exclusions, or hidden downsides I should know?

Would appreciate practical inputs from anyone already using BizBlack this way.

I am using SBI PhonePe Black Credit Card 💳 — want to multiply savings by buying gift cards 🎁 (Amazon/GyFTR). Any trick, merchant, or method to maximize savings?

*Gyfter

*Cred giftcard

Or

Any other platforms?

Tricks , Hacks to save money on online spends

Earn Cashback. Use code SID9Q532CRE and get 5% of the amount up to Rs 150 Cashback