FinBuddy

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[FinBuddy @Finbuddy007]

The format to mail PNB credit card for correction is as follows-

Dear PNB Credit Card Team,
I am writing to raise a complaint regarding the incorrect reporting of my PNB Credit Card account information to TransUnion CIBIL.
I have recently obtained my CIBIL report and noticed that an amount has been reported by PNB as “Amount Overdue” against my credit card account. However, this overdue amount is incorrect, as I had already paid all the applicable dues from the previous billing cycle.
It appears that an amount which had already been paid has been incorrectly reported by PNB as an overdue amount to CIBIL.

This incorrect reporting has adversely affected my credit profile and has resulted in a significant drop in my CIBIL score in the latest report.
I therefore request PNB to take the following actions on an urgent basis:
1.Immediately investigate the overdue amount reported to TransUnion CIBIL.
2.Verify my actual payment and account records.
3.Correct the incorrect overdue information in PNB's records.
Report the corrected information to TransUnion CIBIL and other Credit Information Companies, wherever applicable.
4.Request the concerned bureau(s) to update my credit report and recalculate my credit score based on the corrected information.
5.Provide written confirmation of the correction/update submitted to CIBIL, along with the date of submission.

6.Ensure that the account reflects the correct “Amount Overdue” as ₹0, if supported by the payment records.

This incorrect reporting has caused significant inconvenience and has adversely affected my creditworthiness. I am extremely disappointed that an amount which had already been paid has apparently been reported as overdue, resulting in a substantial reduction in my CIBIL score.

I request you to treat this matter as URGENT and take corrective action without any further delay.
Please acknowledge this complaint and provide me with a complaint/reference number. I also request written confirmation once the corrected information has been submitted to CIBIL.

I am attaching my latest CIBIL report and relevant payment proof for your verification.
Regards,
[Full Name]
[Registered Mobile Number]
[Registered Email ID]
[PNB Credit Card – Last 4 Digits]
[Customer ID, if applicable]

[FinBuddy @Finbuddy007]

Guys check your CIBIL score immediately if you hold a PNB credit card.
My CIBIL score dropped by 62 points to 716 due to wrong reporting by PNB credit card.

They are reporting Minimum due amount of current statement as Overdue amount to CIBIL.

Do check now all ccgeeks. Earlier SBI card then JUPIter and now PNB.

[FinBuddy @Finbuddy007]

@SavingsSimpl Upto what time this status stays, 1 month or 1 quarter?

[FinBuddy @Finbuddy007]

@jassneetsingha And take add on

[FinBuddy @Finbuddy007]

@jassneetsingha Call avengers(family).

[FinBuddy @Finbuddy007]

@AmazingCreditC One more visa infinite from Idfc.
Overall 3rd credit card from idfc😁

[FinBuddy @Finbuddy007]

So I've Finally received my life time free Idfc Diamond Reserve Credit card in the app. Physical Card is on the way and dispatched already.

This card was not generated even after a week of blocking my idfc vistara so I talked to Customer care and care got reflected by next day.

[Amazing Credit Cards @AmazingCreditC]

🚨Received my Lifetime Free IDFC FIRST Bank Diamond Reserve physical credit card.

One good thing is that the welcome kit clearly mentions that the card is Lifetime Free, with zero joining and annual fees. Usually, the Diamond Reserve comes with a fee of ₹3,000 + GST.

For those who are still not aware, IDFC FIRST Bank is issuing the Lifetime Free Diamond Reserve as a replacement to existing IDFC FIRST Bank Vistara Credit Card holders.

Check your email for the transition communication or open the IDFC FIRST Mobile Banking app to see if the new card is already reflecting there.

[FinBuddy @Finbuddy007]

📱 Samsung Pay Supported Cards — Updated 30 Sept 2026

A quick reference showing which card networks and card types are supported for Samsung Pay in tap and pay.

#SamsungPay #CreditCards #DebitCards #India #CreditCardTwitter #banking

[FinBuddy @Finbuddy007]

@SumantaTF Did not expect from you.

[FinBuddy @Finbuddy007]

I have also purchased through Tata Simply better for Oils.
As mentioned here are working Coupon 1 : TSBEMP

Coupon 2 : CRED20OFF

Most probably coupon 1 will not work for many so I have got 2 alternate coupons which work almost all the time to get flat 10 %.
Dm and follow for it

[LUK@ @bethalaluka]

Tata Simply Cold Pressed Ground Oil 5L @ 940

1L @ 188

1L @ 169 (After Cashback)

Ground Nut Oil 5L : https://t.co/wOzy7INUal

Apply Coupon 1 by 1

Coupon 1 : TSBEMP

Coupon 2 : CRED20OFF

Merchant Name : TATA CONSU

MCC : 5411 (Grocery)

Get Extra 10% Cashback With Equitas Selfe Card/HSBC Live Plus

There is no upper cap for discount, So Add Max Qty

Coupon Codes working unlimited times in single account

Pay With Any Rewarding Credit Card

[FinBuddy @Finbuddy007]

@RijuMete19406 Nope still same.

[FinBuddy @Finbuddy007]

Grab the offer now on cred.
5% off on Amazon pay gift card worth 10k rs. Use your cashback credit card for 2nd dip.

[WealthyDimes @WealthyDimes]

Amazon Pay ₹10,000 Gift Card at 5% OFF on CRED (User-Specific)

Limited-time offer using just 1,000 CRED Coins 🪙

Grab this deal before it’s gone! ⏰

👉 CRED Invite:
https://t.co/kSVxy8J1Bg

💳 Stack with SBI Cashback to potentially earn an additional 5% cashback.

💳 Payment Stacking:

Razorpay (DREAMPLUG PAYTECH)
→ MCC 7311 → 5% SBI Cashback

Direct Bank Page (DREAMPLUG PAYTECH)
→ MCC 5947 → Gift Card MCC

⚠️ IMPORTANT:
If the Direct Bank Page appears during payment, cancel the transaction and retry until the Razorpay page loads.

👉 Apply for SBI Cashback for Future Deals:
https://t.co/EWjjQ6kqz6

Join now for instant deals & tricks alerts. No Spam! 🪙
https://t.co/TKVYm1CpN7

[FinBuddy @Finbuddy007]

@gurjota It is still better than 35$

[FinBuddy @Finbuddy007]

I see posts from fin-fluencers and credit card enthusiasts and they'll be like, how I got 5.25% on ICICI Coral card??
Ans- paid bill via hdfc dc so 5% returns added.

Bro please just don't post anything. Credit card rewards are different. Just don't make people fool by making an inflated reward rate headline.

#ccgeeks

[FinBuddy @Finbuddy007]

@AndyTollen26469 It's reward rate is less and due to convenience fees doesn't offer good net return rate.

[FinBuddy @Finbuddy007]

Yesterday I paid more than 1 lac rs for insurance and realized there is not much info around on internet for how to pay insurance via credit card to maximize.

In normal I feel there are only two ways-

1. Pay directly via credit card.
2. Buy gift vouchers for wallets amazon pay/phonepe etc.

If you want to know the way to pay bills of more than 1 lacs rs via wallet DM me and follow me.
Although 2nd option is better as it fetches better rewards.
But one can not buy these gift cards for a big value as there are restrictions everywhere on limit.

I am soon planning to make a post on how to collect these wallets gift voucher from platforms with maximum rewards.

Anyway if you want to pay directly then following credit cards are better because they offer more reward rate than 2%. Almost all websites charge atleast 1.5% convenience fees+ gst for using credit cards.

So here's my take.

🧵 Credit Cards Giving >2% Effective Rewards on Insurance Payments in India — 2026

The important part isn't just the headline reward rate — insurance-specific monthly/statement-cycle caps can drastically change the actual return.

1 — HDFC INFINIA / INFINIA METAL 💎

🔹 5 Reward Points / ₹150 retail spend
🔹 1 RP = ₹1 for flights/hotels
🔹 Effective value: ~3.33%
🔹 Insurance RP cap: 10,000 RP/month

➡️ Maximum insurance spend earning points before the cap:

₹3,00,000/month

So:

₹50K insurance → ~₹1,667 value
₹1L → ~₹3,333
₹2L → ~₹6,667
₹3L → ~₹10,000

---

2 — HDFC DINERS BLACK METAL 💎

🔹 5 RP / ₹150
🔹 1 RP = ₹1 for flights/hotels
🔹 Effective value: ~3.33%
🔹 Insurance RP cap: 5,000 RP/month

➡️ Maximum insurance spend earning points:

₹1,50,000/month

₹50K → ~₹1,667
₹1L → ~₹3,333
₹1.5L → ~₹5,000

---

3 — ICICI EMERALDE PRIVATE METAL 💎

🔹 6 RP / ₹200 retail spend
🔹 Maximum value of RP: ₹1 each for eligible redemptions
🔹 Effective value: ~3%
🔹 Insurance cap: 5,000 RP/statement cycle

➡️ Maximum insurance spend earning points:

~₹1,66,667/statement cycle

₹50K → ~₹1,500
₹1L → ~₹3,000
₹1.67L → ~₹5,000

After the 5,000-RP insurance cap, additional insurance spending doesn't earn those RPs.

---

4— ICICI TIMES BLACK ⚫

This one is interesting but does NOT qualify for my >2% shortlist.

🔹 Reward rate: 2% on eligible domestic transactions
🔹 Insurance is included
🔹 5,000-RP statement-cycle cap

So it's exactly 2%, not more than 2%.

I'm therefore keeping it outside the main >2% list rather than calling it a >2% card.

---

5— SBI PHONEPE SELECT BLACK 📱

This card is often misunderstood because of its headline reward rate.

From 1 July 2026:

🔹 Insurance through PhonePe: accelerated rewards
🔹 10 RP/₹100
🔹 But insurance rewards are capped at only 500 RP/month

➡️ Accelerated insurance rewards effectively apply only up to:

₹5,000/month

Insurance outside PhonePe earns only base rewards and has separate restrictions.

So I wouldn't consider this a genuine high-reward solution for large insurance premiums despite the headline 10 RP/₹100.

---

WHAT ABOUT OTHER HDFC CARDS?

HDFC's current rule is particularly interesting:

🔹 Infinia / Infinia Metal → 10,000 RP/month insurance cap

🔹 Diners Black / Diners Black Metal / Biz Black Metal → 5,000 RP/month

🔹 Most other HDFC cards → 2,000 RP/month

🔹 Marriott Bonvoy HDFC → NO restrictions

IMPORTANT ⚠️

Don't compare insurance cards purely on the advertised reward percentage.

Before paying a large premium, check:

✅ Is insurance eligible?
✅ What is the insurance-specific RP cap?
✅ Is the cap monthly or per statement cycle?
✅ How much insurance spending reaches the cap?
✅ What's the actual ₹ value of 1 RP?
✅ Are there redemption restrictions?
✅ Is the insurer/payment gateway charging a convenience fee?

A 10% headline reward with a ₹5K monthly insurance cap can be far less useful for a ₹1L premium than a 3.33% card with a ₹3L insurance-reward ceiling.

#CreditCards #CreditCardIndia #Insurance #PersonalFinance #HDFC #ICICI #SBI

[FinBuddy @Finbuddy007]

@Pranshu0403 Keep the Scapia credit card for merchant offers. There are occasional offers on instamart, swiggy etc.
If you don't want to hold another card with very less frequent use close it.

[FinBuddy @Finbuddy007]

@DealDigger_ This is old news and I meant by old it is 4 years old.
Idfc will force you to maintain 3 lacs/10 lacs after 1 quarter or your account will be degraded.

[FinBuddy @Finbuddy007]

Check your gmail account now. One card is sending gift card purchase discount offer between 60-100% to its customers.

I got 60% discount coupon on Hubble pay for purchase of a gift card worth 250 rs.

I paid only 100 rs and used it to buy swiggy money.

For information Amazon pay vouchers are failing due to some issue.

Follow for more.

[FinBuddy @Finbuddy007]

@Fin_advance Privilege

[FinBuddy @Finbuddy007]

🔥 AXIS REWARDS vs AXIS PRIVILEGE BOTH are available as LTF on AMEX network.

I compared the current Axis Bank benefits + AMEX offers for you to decide which one to choose.

💳1. AXIS REWARDS

• 2 RP/₹125 — ~0.32% base value
• 10X rewards on apparel & departmental stores
• 1,500 RP every ₹30K statement-cycle spend
• Swiggy ₹150 off × 2/month
• Anniversary benefit up to ₹1,000
• 2 lounge visits/quarter*

💳2. AXIS PRIVILEGE

• 10 RP/₹200 — ~1% base value
• 10,000 RP on ₹2.5L annual spend = ₹2,000
• BOGO movie — up to ₹250/month
• 2 lounge visits/quarter*
• Purchase protection + travel insurance benefits
• Swiggy 10% off on Wednesdays

🔥 WEBSITE / AMEX OFFERS

The AMEX variants also get eligible Axis AMEX merchant offers, which can be useful for regular online spending:

🛒 Blinkit — up to ₹150 off
🍔 Swiggy — up to ₹150 off
🛍️ Swiggy Instamart — up to ₹150 off
🍕 Zomato — up to ₹150 off
✈️ Yatra — up to 25% off, subject to cap
🎬 Other rotating AMEX merchant offers

These are offer-program benefits and can change, so check the current T&Cs before using them.

My take 👇

PRIVILEGE: Better for normal everyday spending because of the ~1% base reward + ₹2,000 milestone + movie BOGO.

REWARDS: More interesting for someone who can exploit the 10X categories + ₹30K monthly milestone.

💡 Since BOTH are LTF, holding both can actually make sense:
Privilege for regular spending + Rewards for 10X/milestone optimisation.

*Lounge access has spend conditions.

#AxisBank #AxisCreditCard #Amex #CreditCards #Blinkit #Swiggy #Zomato #banking

I would also add one important clarification before posting: Blinkit/Swiggy/Zomato/Yatra offers should not be presented as permanent card benefits—they are promotional offers and can change or disappear.