Eservices Channel

💳 Credit Card & Banking Updates 🚀

Stay updated with the latest credit card offers, bank deals, and important financial news — all in one place!

[Eservices Channel @Eservicesx]

🚨 RBI's New Digital Fraud Protection Rules
📅 Effective from: 1 January 2027

Big relief for digital banking users! 💙

If you become a victim of an eligible digital fraud, you may receive 85% of your net loss or ₹25,000 (whichever is lower) as compensation—even in certain cases where customer negligence is involved.

💰 This is a one-time lifetime benefit.

✅ Covered Payment Methods:
• UPI
• Net Banking
• Debit Card
• Credit Card

⚠️ To claim compensation, you must complete BOTH within 5 calendar days:
1️⃣ Report the fraud to your Bank.
2️⃣ File a complaint on the National Cyber Crime Portal or call 1930.

📢 Major Changes:
✔️ Banks will have to prove customer negligence—not the customer.
✔️ Mandatory instant SMS alerts for all electronic transactions above ₹500.
✔️ The framework will apply to eligible frauds occurring from 1 January 2027 and will initially run as a one-year pilot.

🔁 Share this important update with your friends & family. It could help someone save their money!

#RBI #UPI #DigitalFraud #CyberFraud #OnlineFraud #Banking #CreditCard #DebitCard #NetBanking #CyberSecurity #India

[Eservices Channel @Eservicesx]

🔥 Flipkart Gift Card Offer 🔥

Flipkart App Se Min 3k Ka Fk Gc Purchase Karo Using Any Upi App Flat 5% Discount Milega Upto 1000rs

Link : https://t.co/AyooWUDS92

Min Purchase : 3k
Max Purchase : 20k

Kuch User Ko Extra 4% Sc Dikha Raha Hai, 10k Pe 400 Sc Extra

Check In Your Account & Apply ❤️

[Eservices Channel @Eservicesx]

🚨 SBI RuPay Debit Card Users — Easy 20% Rewards Hack! 💳🔥

Now add your SBI Virtual RuPay Debit Card to Google Pay and start using Tap & Pay to earn bonus SBI Rewardz points! 🎉

✅ Steps:
• Add SBI Virtual RuPay Debit Card on Google Pay
• Enable Contactless Payments
• Set Contactless Limit via SBI Net Banking (Old Portal)
• Use Tap & Pay on eligible transactions

📅 Offer Valid Till: 31 July

🎁 Bonus SBI Rewardz Points:

🔹 Spend ₹500 – ₹999 → Get 400 Points (/₹100)
🔹 Spend ₹1,000 – ₹1,999 → Get 800 Points (/₹200)
🔹 Spend ₹2,000+ → Get 1,600 Points (~₹400)

💡 Maximum Value Strategy:

✔️ ₹500 Spend = 20% Return
✔️ ₹1,000 Spend = 20% Return
✔️ ₹2,000 Spend = 20% Return

⚠️ Important:
Activate Contactless Payments and set your Contactless Transaction Limit through SBI's old Internet Banking portal before making Tap & Pay transactions.

Don't miss this easy rewards opportunity if you have an SBI RuPay Debit Card! 🚀

#SBI #RuPay #GooglePay #TapAndPay #DebitCard #Rewardz #UPI #Cashback #BankingOffers #CCGeek #DebitCardGeek

[Eservices Channel @Eservicesx]

🚨 PhonePe Wallet Users Alert! ₹100 Inactivity Fee Explained 🚨

PhonePe has introduced a quarterly maintenance fee for inactive wallets. Before you panic, here's what actually matters👇

📢 What's Changing?

• A ₹100 quarterly maintenance fee may be charged if your PhonePe Wallet remains inactive for 365 consecutive days.

• This applies only to PhonePe Wallet balances and not to regular UPI transactions.

• Your linked bank account is completely safe. PhonePe cannot deduct this fee from your bank account.

• If your wallet balance is ₹0, no fee will be charged and your account will never go into a negative balance.

• Users will receive notifications and reminders before any deduction is made.

💡 How to Avoid the Fee?

✅ Make any wallet transaction (even ₹1 is enough)

✅ Transfer your wallet balance back to your bank account

✅ Close the wallet if you only use UPI payments

⚠️ Important: Normal UPI payments through your bank account remain FREE and are not affected by this update.

📲 Check your PhonePe Wallet today and avoid unnecessary charges.

#PhonePe #UPI #DigitalPayments #Fintech #WalletUpdate #BankingNews #MoneyTips #EservicesX

[Eservices Channel @Eservicesx]

🚨 PNB Zaggle Twin Credit Card – 1 Application, 2 Cards! 💳💳

Powered by RuPay + Visa ✨

Apply Link https://t.co/8VmOZ0wKET

A unique twin-card concept where you get the benefits of both networks with a single application.

🧵 Complete Breakdown
🎯 Reward Structure • 10 Reward Points on every ₹300 spent • 1% Fuel Surcharge Waiver across fuel stations
━━━━━━━━━━━━━━━
💳 RuPay Variant Benefits
🏋️ Fitness • 3 Months https://t.co/tylbO3Dc2K Membership • Annual https://t.co/vwumlaHx3F Live Access
🛍️ Shopping • ₹250 Flipkart Voucher every Quarter • Up to ₹1,000 Value per Year
✈️ Travel • ₹1,500 MakeMyTrip Benefit every Quarter • 2 Domestic Airport Lounge Visits per Quarter • 2 International Lounge Visits per Year
🎬 Entertainment • Complimentary OTT Subscription (Prime Video / Disney+ Hotstar*) • BookMyShow BOGO Offer worth ₹250 every Quarter
🍔 Food • Complimentary Swiggy Membership (3 Months Every Year)
🚖 Cab Benefits • Ola / Uber Voucher worth ₹100 every Quarter
🛡️ Insurance • Personal Accident Cover up to ₹10 Lakhs
━━━━━━━━━━━━━━━
💳 Visa Variant Benefits
🎁 Welcome Benefit • ₹250 Activation Voucher
✈️ Travel • Up to 15% Discount on Ixigo Flights & Hotels
🚆 Railway Benefits • 2 IRCTC Executive Lounge Access per Quarter
💍 Lifestyle • Exclusive Jewellery Discounts & Offers
━━━━━━━━━━━━━━━
💰 Fee Structure
• Joining Fee: ₹499 + Taxes • Annual Fee: ₹499 + Taxes
━━━━━━━━━━━━━━━
🔥 Why This Card Stands Out?
✅ Two Physical Cards with One Application
✅ RuPay UPI + Visa Merchant Acceptance
✅ Airport Lounge + Railway Lounge Benefits
✅ OTT, Swiggy & BookMyShow Perks
✅ Travel Discounts via MakeMyTrip & Ixigo
✅ Shopping Vouchers Throughout The Year
✅ Personal Accident Insurance Coverage
━━━━━━━━━━━━━━━
⭐ Verdict
For just ₹499, the PNB Zaggle Twin Credit Card offers a rare combination of RuPay + Visa benefits, making it a solid option for users looking for travel, entertainment, lounge access and lifestyle perks in a single package.
Would you consider applying for this twin-card concept? 🤔

#PNBZaggle #PNBCreditCard #CreditCardsIndia #RuPayCreditCard #VisaCreditCard #AirportLounge #IRCTCLounge #CreditCardOffers #TravelBenefits #BookMyShowOffer #Swiggy #Flipkart #UPICreditCard #EservicesX

[Eservices Channel @Eservicesx]

✈️ Kotak Air Credit Card – Travel Made Rewarding

🎁 Get 1,000 Bonus Air Miles as Welcome & Renewal Benefit

✈️ Earn 3 Air Miles per ₹100 spent on Flight & Hotel bookings via Kotak Unbox

💳 Earn 1 Air Mile per ₹100 on all other eligible spends

🏖️ Enjoy 4 Complimentary Domestic Lounge Visits every year

⛽ 1% Fuel Surcharge Waiver across India

🎯 Redeem Air Miles for Flights, Hotels, Vouchers or transfer to Airline Partners

💰 Annual Fee: ₹999 + GST �
Kotak Mahindra Bank +1

✅ Best for Frequent Travellers
✅ Good Entry-Level Travel Credit Card
✅ Earn & Redeem Air Miles Easily

Apply Now:-

https://t.co/HZrYFlfj09
https://t.co/HZrYFlfj09

#KotakAirCreditCard #KotakBank #TravelCreditCard #AirMiles #AirportLounge #CreditCardIndia #TravelRewards #Eservicesx ✈️🌍

[Eservices Channel @Eservicesx]

🚨 Kotak League Platinum Lifetime Free Credit Card – Key Benefits

💳 Earn 4 Reward Points on every ₹150 spent

✈️ Get 2X Rewards (8 Points/₹150) on select travel & shopping categories

🎁 Welcome Benefit: 5,000 Reward Points (worth ₹500)*

🎬 Spend ₹1.25 Lakh in 6 months & get 4 PVR Tickets or 10,000 Bonus Reward Points

⛽ 1% Fuel Surcharge Waiver
🚆 Railway Surcharge Waiver

💰 Annual Fee Waiver on ₹50,000 yearly spends

✅ Great for Shopping
✅ Travel Benefits Included
✅ Rewarding Milestone Offers

Apply Now :-
https://t.co/LZha9TIYK6
https://t.co/LZha9TIYK6

#KotakLeaguePlatinum #KotakBank #CreditCard #RewardPoints #CreditCardIndia #TravelRewards #ShoppingRewards #Eservicesx

[Eservices Channel @Eservicesx]

🚨 Kiwi Postpaid Gets Costlier!

Kiwi Postpaid, powered by YES BANK, has introduced a transaction fee of 2% + GST (Effective 2.124%) on every transaction.

If you've recently received approval or are planning to use Kiwi Postpaid, here's everything you need to know. 🧵👇

━━━━━━━━━━━━━━━

1️⃣ What is Kiwi Postpaid?

Kiwi Postpaid is a Credit Line on UPI offered in partnership with YES BANK.

✔️ Spend now, pay later
✔️ Direct UPI payments
✔️ No physical card required
✔️ Widely accepted at eligible UPI merchants

━━━━━━━━━━━━━━━

2️⃣ How to Activate?

• Open the Kiwi App
• Tap "Activate Credit Line"
• Enter the first 6 digits of your Aadhaar
• Verify OTP sent by YES BANK
• Set your MPIN

✅ Your credit line becomes active instantly after successful verification.

━━━━━━━━━━━━━━━

3️⃣ Interest-Free Period

Kiwi offers up to 49 days of interest-free credit.

However, this benefit is available only when the Total Amount Due (TAD) is paid in full before the due date.

⚠️ If you carry forward the balance, interest is charged from the transaction date itself.

━━━━━━━━━━━━━━━

4️⃣ Charges & Fees

💳 Joining Fee: ₹0
💳 Annual / Maintenance Fee: ₹0

But here's the catch👇

🔹 Transaction Fee: 2% + GST (Effective 2.124%)
🔹 Interest Rate: 3.8% per month (45.6% p.a.)
🔹 Bill-to-EMI Interest: 3% per month
🔹 EMI Processing Fee: 2%
🔹 Foreclosure Charges: 2% + GST

This means every transaction now comes with an additional cost.

━━━━━━━━━━━━━━━

5️⃣ Billing Cycle

📅 Bill Generation Date: 17th of every month
📅 Payment Due Date: 3rd of the following month

Payment Options:

✔️ Total Amount Due (TAD)
✔️ Minimum Amount Due (MAD)
✔️ Any amount above MAD

━━━━━━━━━━━━━━━

6️⃣ Viewing Statements

To access previous bills:

• Open Credit Line Management
• Select "Past Bills"
• Choose the billing month

📧 Monthly statements are also delivered to your registered email address.

━━━━━━━━━━━━━━━

7️⃣ Bill Repayment

Bills can be paid directly through the Kiwi App using any UPI-linked bank account.

Paying at least the Minimum Amount Due helps avoid delinquency reporting.

━━━━━━━━━━━━━━━

8️⃣ Credit Limit

Your approved limit depends on:

📌 Income
📌 Credit Score
📌 Existing Liabilities
📌 Internal YES BANK Policies

Available Limit =
Total Limit − Outstanding Dues − Unbilled Transactions − Active EMI Balances

📈 Responsible usage may improve the chances of future limit enhancements.

━━━━━━━━━━━━━━━

9️⃣ Bill-to-EMI Facility

Available after bill generation.

✔️ Tenure: 3 to 12 Months
✔️ Interest: 3% per month
✔️ Processing Fee: 2%

━━━━━━━━━━━━━━━

🔟 Account Closure

To close your Kiwi Postpaid account:

Profile → Need Help → Raise Closure Request

Closure requests will not be processed if:

❌ Outstanding dues exist
❌ Active EMIs are running
❌ Transaction disputes remain unresolved

━━━━━━━━━━━━━━━

⚠️ Key Takeaways

• Every transaction attracts a 2.124% fee
• No reward points currently
• No cash withdrawal facility
• Late payments can negatively impact your credit score
• 30+ DPD may lead to account restrictions or transaction freeze

━━━━━━━━━━━━━━━

📊 Final Verdict

Kiwi Postpaid was attractive because of its convenience and flexibility. However, with a 2.124% charge on every transaction, users now need to evaluate whether the benefits justify the cost.

🤔 Will you continue using Kiwi Postpaid after the new fee structure?

Share your thoughts below.

#KiwiPostpaid #KiwiMoney #YESBANK #UPI #CreditLine #CreditLineOnUPI #Fintech #Banking #CreditCard #Rupay #PersonalFinance

[Eservices Channel @Eservicesx]

🚨 CRED Gift Card Edit is LIVE! (20–22 June) 🎉

💳 Flipkart Gift Vouchers Available at Discount:

🔥 ₹4,000 GV @ 6% OFF (Deal of the Day)
🔥 ₹100 GV @ 10% OFF

🎁 500+ Brands ke Gift Cards Available:
✅ Flipkart
✅ Amazon
✅ Blinkit
✅ Myntra
✅ Swiggy
✅ Aur bhi bahut kuch...

⚠️ SBI Cashback Credit Card Users Dhyan De!

Payment karte waqt Payment Gateway ko zaroor check karein. 👀

🔍 MCC 7311 vs MCC 5947 ka difference aapke rewards par direct impact kar sakta hai.

✔️ Ek route par extra ~5% cashback/reward mil sakta hai
❌ Dusre route par reward nahi bhi mil sakta

Interesting baat ye hai ki Dreamplug Merchant ab dono routes se process ho raha hai.

💡 Payment karne se pehle gateway aur MCC details verify karna na bhoolen!

#CRED #GiftCard #FlipkartGV #SBICashback #CreditCardOffers #Cashback #AmazonGV #DealAlert #Rewards

[Eservices Channel @Eservicesx]

*📢 Axis Bank Cashback Credit Card – _Smart Savings for Online Shoppers_*
> 💰 Earn Up to 7% Cashback

✨ *Card Features:*

* ⚡ 0.5% utility cashback (₹100/month cap)
* 🍽️ Up to 25% off dining via EazyDiner
* 🎁 5,000 EDGE Reward Points (₹1,000 value) welcome bonus
* 🔁 Cashback auto-credited to statement
* 💳 ₹1,000 fee waived on ₹4L annual spend

🔥 *Amazon Prime Day (4–6 July) = HUGE Opportunity*
🛍️ *10% Instant Discount on Axis Bank Credit Cards*

🚀 _High intent + massive demand

https://t.co/A3sGyJc4ga
https://t.co/A3sGyJc4ga

[Eservices Channel @Eservicesx]

🚀 PNB KIWI RuPay Credit Card – Cashback Ka Powerhouse!* 💳🔥

Apply Now :- https://t.co/ybrRgtOj51

💚 Lifetime Free Credit Card 💸 Up to 5% Cashback with KIWI Neon* ✈️ Up to 3 Free Domestic Airport Lounge Visits 📱 Seamless UPI Payments on Credit Card 🎁 Rewards on Everyday Spending

💥 No Joining Fee 💥 No Annual Fee 💥 RuPay Network Benefits

Ab har UPI payment aur shopping par kamao rewards aur cashback! 🤑

👉 Apply Now & Get Started Today

#PNBKiwi #KiwiCreditCard #RuPayCreditCard #LifetimeFreeCard #UPICreditCard #CashbackCreditCard #AirportLoungeAccess #CreditCardOffers #PNBBank #KiwiNeon #ApplyNow #CreditCardApproval #BestCreditCard #IndiaFinance #CashbackRewards #AmazingCreditCards

[Eservices Channel @Eservicesx]

✈️ Scapia Credit Card – Travellers ki Pehli Pasand

✅ Lifetime Free Credit Card
🌍 0% Forex Markup
🏆 Unlimited Domestic Lounge Access*
🎁 Travel bookings par up to 20% Scapia Coins
💰 Approval par paaiye 1,000 Scapia Coins

Apply Now :- https://t.co/36kR9srltm…

Ab har trip banegi aur bhi rewarding! 🌎

🔥 No Joining Fee
🔥 No Annual Fee
🔥 No Renewal Fee

👉 Apply Now & Start Earning Travel Rewards Instantly!
https://t.co/36kR9srltm…

#ScapiaCard #TravelCreditCard #LifetimeFreeCard #AirportLounge #ForexFree #CreditCardOffers #TravelRewards #Scapia #VisaCard #RuPayCard #CreditCardApproval #TravelMoreSaveMore #IndiaTravel #CreditCardDeals #AmazingCreditCards

[Eservices Channel @Eservicesx]

🚨 Scapia Visa Credit Card Offer Alert! 🎉💳
Scapia Visa Credit Card approve hote hi ₹300 ya usse zyada ka pehla transaction kariye aur paaiye ₹500 ka Gift Voucher 🎁
Voucher Options: ✅ Amazon Pay
✅ Swiggy
✅ Zomato
🔥 High Approval Chances
💳 Lifetime Free Credit Card
🌍 Zero Forex Markup on International Spending
👉 Scapia Credit Card Apply Karein:
https://t.co/901lYuuLeY……

🎁 Gift Voucher Claim Karein:
https://t.co/WLGQYZZMds
Terms & Conditions apply. Offer limited period ke liye ho sakta hai.

[Eservices Channel @Eservicesx]

🚀💜 Saving Karna Hua Aur Bhi Smart!

@slicebank ka Slice Atom ab LIVE hai! 🎉

Ab aap apne har financial goal ke liye alag-alag savings bucket bana sakte hain — bina kisi extra account ke. 🏦✨

🎯 Emergency Fund 🛟
✈️ Travel Fund
🏠 Rent Fund
🛍️ Shopping Fund
💰 Ya koi bhi personal goal

🔥 Slice Atom Features: ✅ Multiple Savings Goals in One Account
✅ Daily Interest Earnings
✅ RBI Repo Rate Linked Returns
✅ Instant Withdrawal Anytime
✅ Automatic Savings Setup
✅ Money Management Made Easy

Agar aap disciplined saving start karna chahte hain ya kisi bade goal ke liye paisa jama kar rahe hain, to Slice Atom ek zabardast option ho sakta hai. 📈💜

🔗 Start Here:
https://t.co/fHRk3zsVwq

💬 Aap kis goal ke liye sabse pehle Atom bucket banaoge? Comment karke batao! 👇

#SliceBank #SliceAtom #SavingsGoals #PersonalFinance #MoneyManagement #EmergencyFund #TravelFund #Investment #FinanceIndia #SmartSaving #Banking #WealthBuilding #FinancialFreedom #SavingTips #MoneyGrowth 🚀💜

[Eservices Channel @Eservicesx]

*Uni Gold X Credit Card* 💳✨

🎉 *Lifetime FREE*– _No Joining Fee, No Annual Fee_

💰 1% Gold Back on almost every spend
🛍️ 5%–8% Gold Back on Amazon, Flipkart, Swiggy, Zomato & more
✈️ 7% Back on Flights | Up to 10% Back on Hotels
🌍 Zero Forex Markup across 180+ countries
📱 Visa/Mastercard + RuPay (UPI Enabled)
⛽ 1% Fuel Surcharge Waiver

🔄 Earn rewards in *24K Digital Gold* and redeem anytime as cash or physical gold coins.

Apply Now
https://t.co/fD2CDFQAA8

[Eservices Channel @Eservicesx]

🚨 Scapia Visa Credit Card Offer Alert! 🎉💳
Scapia Visa Credit Card approve hote hi ₹300 ya usse zyada ka pehla transaction kariye aur paaiye ₹500 ka Gift Voucher 🎁
Voucher Options: ✅ Amazon Pay
✅ Swiggy
✅ Zomato
🔥 High Approval Chances
💳 Lifetime Free Credit Card
🌍 Zero Forex Markup on International Spending
👉 Scapia Credit Card Apply Karein:
https://t.co/36kR9srltm…

🎁 Gift Voucher Claim Karein:
https://t.co/WLGQYZZMds
Terms & Conditions apply. Offer limited period ke liye ho sakta hai.

[Eservices Channel @Eservicesx]

🔥 slice UPI Credit Card + ₹500 Cashback Offer 💳

Ab daily UPI payments par kamao cashback 😍

Bas slice app download karo aur referral code use karke first UPI payment complete karo ✨

🎁 Benefits:

✅ First UPI Payment par ₹500 Cashback*
✅ UPI Credit Card with upto 3% Cashback
✅ 100% Repo Rate Interest on Savings
✅ No Joining Fee
✅ No Minimum Balance

🔗 Apply Now: https://t.co/fHRk3zsVwq

⚡ Limited Time Offer