Consumer Watchdog

Deals, credit cards, finance, fintech & AI, checked before posting. Simple tips for smarter spending.

[Consumer Watchdog @conswatchdg]

🤝 Collaborations open

Banks, card issuers, fintech & AI brands:
- Launch & offer promos
- Card/app referral promotions
- Early supporters: lifetime free promotion

All promos clearly marked. DMs open.

Support karna ho to follow, like, share, repost ya reply karo 🙏
#Fintech

[Consumer Watchdog @conswatchdg]

🚨 SWIGGY HDFC UPGRADE! 💳
Old card is going - pick your avatar 👇
1️⃣ 🖤 BLCK: 10% cashback on Swiggy | ₹1,000/yr + 3-mo BLCK membership free
2️⃣ 🧡 Ornge: 5% cashback on Swiggy | Lifetime FREE
Choose smart, swipe smarter!
#SwiggyHDFC
Follow @conswatchdg for more updates

[Consumer Watchdog @conswatchdg]

Official source: HDFC Bank Swiggy card page (phased transition to Ornge / BLCK): https://t.co/cmweB9gQMV

[Consumer Watchdog @conswatchdg]

💳 Swiggy HDFC upgrade: old card phased out. 1. Ornge: lifetime free, 5% cashback on Swiggy. 2. BLCK: ₹1,000/yr, 10% on Swiggy + 3-mo BLCK membership. 3. No choice = auto-move to Ornge; new card number, redo autopays. #CreditCards #HDFC Follow @conswatchdg for more updates

[Consumer Watchdog @conswatchdg]

🚨 Cattle-feed bran in Priyagold biscuits! 1. FSSAI prosecutes Surya Food & Agro; licence suspended. 2. Dodla milk: detergent confirmed. 3. UEIR organic raisins: 9 pesticides. #FoodSafety #FSSAI https://t.co/RXymjjj7HK Follow @conswatchdg for more updates

[Consumer Watchdog @conswatchdg]

Source (invite-only campaign; details via Card Insider, no public RBL page): https://t.co/o8XcLTmAno

[Consumer Watchdog @conswatchdg]

💳 RBL festive offer! 1. Iss Festive, Kyun Nahi? Top Spender Campaign: top 100 spenders (Oct 8-Nov 11) pick iPhone 18 Pro, Tanishq 10g gold, Oberoi/Cordelia/Air India voucher. 2. Enroll by Nov 7 - invite-only, check RBL SMS/app. #CreditCards #RBLBank Follow @conswatchdg

[Consumer Watchdog @conswatchdg]

Official source: RBI Master Direction (Credit Card & Debit Card - Issuance and Conduct): https://t.co/RS39QOZl3n

[Consumer Watchdog @conswatchdg]

💳 Card bill 1-2 days late? Don't panic: 1. RBI rule: no late fee, no 'past due' CIBIL report unless unpaid over 3 days. 2. Interest still runs from due date, so pay ASAP. 3. Fee charged within 3 days? Dispute it. #CreditCards #RBI Follow @conswatchdg for more updates

[Consumer Watchdog @conswatchdg]

🆕 ICICI 1838 Reserve: invite-only, ₹1.75 lakh/yr. 1. 3% rewards domestic, 2% international. 2. Zero forex markup. 3. Welcome gifts worth ₹75k+. 4. Krishen Khanna art. @ICICIBank https://t.co/Tfekt3zPSp #CreditCards #Luxury Follow @conswatchdg for more updates

[Consumer Watchdog @conswatchdg]

⚠️ PNB credit cards from 1 Nov 2026: 1. Cash withdrawal 2%→2.5% (min ₹100→₹400). 2. New ₹99 reward redemption fee. 3. Utility >₹50k/mo: 1% fee, max ₹2,000. 4. Late fee up to ₹1,200. @pnbindia https://t.co/U3p62y26FN #CreditCards #PNB Follow @conswatchdg for more updates

[Consumer Watchdog @conswatchdg]

⚠️ AU Bank from 1 Oct 2026: 1. Zenith forex 1.99%→3.49%, Vetta 2.99%→3.49%. 2. Fuel waiver caps cut: Zenith ₹1,000→₹100/mo, Vetta ₹250→₹100. 3. Zenith+ stays 0.99%. @aubankindia https://t.co/6q69qL3LEl #Cards #Fees Follow @conswatchdg for more updates

[Consumer Watchdog @conswatchdg]

⚠️ SBM ZET from 23 Oct 2026: 1. Late fee: 5% outstanding (₹50-₹1,000), not flat ₹299. 2. ₹499 closure fee now covers first 2 years, not 1. 3. GST extra. @SBMBankIndia https://t.co/X6gvdrjXQ0 #Cards #Fees Follow @conswatchdg for more updates

[Consumer Watchdog @conswatchdg]

🏨 Marriott Bonvoy HDFC: 1. Joined from 1 Oct 2026? Welcome Free Night Award now needs fee levy. 2. A ₹500 spend no longer triggers it for new cards. 3. Older cards keep old rules. @HDFC_Bank https://t.co/hUlAMWhlM9 #Cards #Travel Follow @conswatchdg for more updates

[Consumer Watchdog @conswatchdg]

💳 Jupiter Edge+ RuPay: 1. Full shopping Jewels need >₹15,000 qualified cycle spend. 2. Only 5 Jewels/₹100 post instantly; 45 wait for cycle-end. 3. Caps apply; Jewels ≠ cash. @TheJupiterApp https://t.co/YH6omIoeM1 #Cards #Rewards Follow @conswatchdg for more updates

[Consumer Watchdog @conswatchdg]

🍽️ Eternal SBI Card: 1. Early access via Zomato/Blinkit/District. 2. Rollout from 22 Oct, phase-wise. 3. Up to 10% instant discount; ₹2,000/month shared cap. @SBICard_Connect https://t.co/6Eyt821N8d #Cards #Fintech Follow @conswatchdg for more updates

[Consumer Watchdog @conswatchdg]

🌍 IDFC FIRST update: 1. Zero forex markup stays. 2. Bank reversed its blanket no-rewards plan. 3. Eligible overseas spends earn as per your card's rules, not a guaranteed rate. @IDFCFIRSTBank https://t.co/HJDpLV5nKB #Cards #Travel Follow @conswatchdg for more updates

[Consumer Watchdog @conswatchdg]

✈️ HSBC forex tip: 1. Markup waived till 31 Oct. 2. Posting date counts, not swipe date. 3. GST/other fees aren't waived. Eligible cards only. @HSBC_IN @Cashkarocom https://t.co/iynTP8y8vZ Apply: https://t.co/f44tpI232a #Cards #Travel Follow @conswatchdg for more updates

[Consumer Watchdog @conswatchdg]

⭐ Flex from 16 Oct: 1. Eligible Google One members: up to 3.2% in stars. 2. Prior-cycle spend below ₹100? Rates halve. 3. 1,500 stars/cycle incl bonuses. @GooglePayIndia @AxisBank @SBICard_Connect https://t.co/IhOOt9c5l6 #Cards #UPI Follow @conswatchdg for more updates

[Consumer Watchdog @conswatchdg]

⛽ BPCL SBI Octane RuPay: 1. Use card, not UPI. 2. Fuel UPI earns no points or surcharge waiver. 3. 1% POS waiver: up to ₹4k/txn, ₹100/cycle. @SBICard_Connect @BPCLimited https://t.co/8k1JMMFrPe Apply: https://t.co/UQcJrDuwuC #Cards #Fuel Follow @conswatchdg for more updates

[Consumer Watchdog @conswatchdg]

🎬 Axis NEO movie offer from 1 Nov: 1. ₹25k settled spend in prior 3 calendar months. 2. November uses Aug-Oct. 3. EMI: billed instalment only. @AxisBank https://t.co/3nVEqkxysq #Cards #Movies Follow @conswatchdg for more updates