π³ Credit Card & Banking Updates π
Stay updated with the latest credit card offers, bank deals, and important financial news β all in one place!
ποΈ The Biggest Shopping Sales Are Here! π₯
Get ready to grab the best deals this July with exclusive bank offers and instant discounts.
π¦ Amazon Prime Day
π 4β6 July (Prime Members Only)
π³ 10% Instant Discount with eligible Axis Bank & SBI Cards.
π Don't have one? Lifetime Free Axis Neo Credit Card is a great option for Amazon sale offers.
π Apply here: https://t.co/9O2g5Efr4A
π¨ Flipkart GOAT Sale
β‘ Early Access: 3 July π Sale Starts: 4 July
π³ Instant Discounts with eligible ICICI Bank, Bobcard & HSBC Cards.
π Don't have one? Lifetime Free Bobcard is a great choice for Flipkart sale discounts.
π Apply here: https://t.co/BnUK7q0cl6
π‘ Pro Tip: Check your bank offer eligibility and card terms before shopping to maximize your savings.
π Which sale are you most excited for? π Amazon Prime Day or ποΈ Flipkart GOAT Sale?
#AmazonPrimeDay #FlipkartGOATSale #AmazonSale #FlipkartSale #ShoppingDeals #CreditCardOffers #AxisBank #SBICards #ICICIBank #Bobcard #HSBC #AxisNeo #LifetimeFreeCard #OnlineShopping #SaleAlert #Deals #Discount #Eservices
π¨ RBI's New Digital Fraud Protection Rules
π Effective from: 1 January 2027
Big relief for digital banking users! π
If you become a victim of an eligible digital fraud, you may receive 85% of your net loss or βΉ25,000 (whichever is lower) as compensationβeven in certain cases where customer negligence is involved.
π° This is a one-time lifetime benefit.
β Covered Payment Methods:
β’ UPI
β’ Net Banking
β’ Debit Card
β’ Credit Card
β οΈ To claim compensation, you must complete BOTH within 5 calendar days:
1οΈβ£ Report the fraud to your Bank.
2οΈβ£ File a complaint on the National Cyber Crime Portal or call 1930.
π’ Major Changes:
βοΈ Banks will have to prove customer negligenceβnot the customer.
βοΈ Mandatory instant SMS alerts for all electronic transactions above βΉ500.
βοΈ The framework will apply to eligible frauds occurring from 1 January 2027 and will initially run as a one-year pilot.
π 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
π₯ Flipkart Gift Card Offer π₯
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 β€οΈ
π¨ SBI RuPay Debit Card Users β Easy 20% Rewards Hack! π³π₯
Now add your SBI Virtual RuPay Debit Card to Google Pay and start using Tap & Pay to earn bonus SBI Rewardz points! π
β Steps:
β’ Add SBI Virtual RuPay Debit Card on Google Pay
β’ Enable Contactless Payments
β’ Set Contactless Limit via SBI Net Banking (Old Portal)
β’ Use Tap & Pay on eligible transactions
π Offer Valid Till: 31 July
π Bonus SBI Rewardz Points:
πΉ Spend βΉ500 β βΉ999 β Get 400 Points (/βΉ100)
πΉ Spend βΉ1,000 β βΉ1,999 β Get 800 Points (/βΉ200)
πΉ Spend βΉ2,000+ β Get 1,600 Points (~βΉ400)
π‘ Maximum Value Strategy:
βοΈ βΉ500 Spend = 20% Return
βοΈ βΉ1,000 Spend = 20% Return
βοΈ βΉ2,000 Spend = 20% Return
β οΈ 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! π
#SBI #RuPay #GooglePay #TapAndPay #DebitCard #Rewardz #UPI #Cashback #BankingOffers #CCGeek #DebitCardGeek
π¨ PhonePe Wallet Users Alert! βΉ100 Inactivity Fee Explained π¨
PhonePe has introduced a quarterly maintenance fee for inactive wallets. Before you panic, here's what actually mattersπ
π’ What's Changing?
β’ A βΉ100 quarterly maintenance fee may be charged if your PhonePe Wallet remains inactive for 365 consecutive days.
β’ This applies only to PhonePe Wallet balances and not to regular UPI transactions.
β’ Your linked bank account is completely safe. PhonePe cannot deduct this fee from your bank account.
β’ If your wallet balance is βΉ0, no fee will be charged and your account will never go into a negative balance.
β’ Users will receive notifications and reminders before any deduction is made.
π‘ How to Avoid the Fee?
β Make any wallet transaction (even βΉ1 is enough)
β Transfer your wallet balance back to your bank account
β Close the wallet if you only use UPI payments
β οΈ Important: Normal UPI payments through your bank account remain FREE and are not affected by this update.
π² Check your PhonePe Wallet today and avoid unnecessary charges.
#PhonePe #UPI #DigitalPayments #Fintech #WalletUpdate #BankingNews #MoneyTips #EservicesX
π¨ PNB Zaggle Twin Credit Card β 1 Application, 2 Cards! π³π³
Powered by RuPay + Visa β¨
Apply Link https://t.co/8VmOZ0wKET
A unique twin-card concept where you get the benefits of both networks with a single application.
π§΅ Complete Breakdown
π― Reward Structure β’ 10 Reward Points on every βΉ300 spent β’ 1% Fuel Surcharge Waiver across fuel stations
βββββββββββββββ
π³ RuPay Variant Benefits
ποΈ Fitness β’ 3 Months https://t.co/tylbO3Dc2K Membership β’ Annual https://t.co/vwumlaHx3F Live Access
ποΈ Shopping β’ βΉ250 Flipkart Voucher every Quarter β’ Up to βΉ1,000 Value per Year
βοΈ Travel β’ βΉ1,500 MakeMyTrip Benefit every Quarter β’ 2 Domestic Airport Lounge Visits per Quarter β’ 2 International Lounge Visits per Year
π¬ Entertainment β’ Complimentary OTT Subscription (Prime Video / Disney+ Hotstar*) β’ BookMyShow BOGO Offer worth βΉ250 every Quarter
π Food β’ Complimentary Swiggy Membership (3 Months Every Year)
π Cab Benefits β’ Ola / Uber Voucher worth βΉ100 every Quarter
π‘οΈ Insurance β’ Personal Accident Cover up to βΉ10 Lakhs
βββββββββββββββ
π³ Visa Variant Benefits
π Welcome Benefit β’ βΉ250 Activation Voucher
βοΈ Travel β’ Up to 15% Discount on Ixigo Flights & Hotels
π Railway Benefits β’ 2 IRCTC Executive Lounge Access per Quarter
π Lifestyle β’ Exclusive Jewellery Discounts & Offers
βββββββββββββββ
π° Fee Structure
β’ Joining Fee: βΉ499 + Taxes β’ Annual Fee: βΉ499 + Taxes
βββββββββββββββ
π₯ Why This Card Stands Out?
β Two Physical Cards with One Application
β RuPay UPI + Visa Merchant Acceptance
β Airport Lounge + Railway Lounge Benefits
β OTT, Swiggy & BookMyShow Perks
β Travel Discounts via MakeMyTrip & Ixigo
β Shopping Vouchers Throughout The Year
β Personal Accident Insurance Coverage
βββββββββββββββ
β Verdict
For just βΉ499, 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? π€
#PNBZaggle #PNBCreditCard #CreditCardsIndia #RuPayCreditCard #VisaCreditCard #AirportLounge #IRCTCLounge #CreditCardOffers #TravelBenefits #BookMyShowOffer #Swiggy #Flipkart #UPICreditCard #EservicesX
βοΈ Kotak Air Credit Card β Travel Made Rewarding
π Get 1,000 Bonus Air Miles as Welcome & Renewal Benefit
βοΈ Earn 3 Air Miles per βΉ100 spent on Flight & Hotel bookings via Kotak Unbox
π³ Earn 1 Air Mile per βΉ100 on all other eligible spends
ποΈ Enjoy 4 Complimentary Domestic Lounge Visits every year
β½ 1% Fuel Surcharge Waiver across India
π― Redeem Air Miles for Flights, Hotels, Vouchers or transfer to Airline Partners
π° Annual Fee: βΉ999 + GST οΏ½
Kotak Mahindra Bank +1
β Best for Frequent Travellers
β Good Entry-Level Travel Credit Card
β Earn & Redeem Air Miles Easily
Apply Now:-
https://t.co/HZrYFlfj09
https://t.co/HZrYFlfj09
#KotakAirCreditCard #KotakBank #TravelCreditCard #AirMiles #AirportLounge #CreditCardIndia #TravelRewards #Eservicesx βοΈπ
π¨ 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. π§΅π
βββββββββββββββ
1οΈβ£ What is Kiwi Postpaid?
Kiwi Postpaid is a Credit Line on UPI offered in partnership with YES BANK.
βοΈ Spend now, pay later
βοΈ Direct UPI payments
βοΈ No physical card required
βοΈ Widely accepted at eligible UPI merchants
βββββββββββββββ
2οΈβ£ How to Activate?
β’ Open the Kiwi App
β’ Tap "Activate Credit Line"
β’ Enter the first 6 digits of your Aadhaar
β’ Verify OTP sent by YES BANK
β’ Set your MPIN
β Your credit line becomes active instantly after successful verification.
βββββββββββββββ
3οΈβ£ 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.
β οΈ If you carry forward the balance, interest is charged from the transaction date itself.
βββββββββββββββ
4οΈβ£ Charges & Fees
π³ Joining Fee: βΉ0
π³ Annual / Maintenance Fee: βΉ0
But here's the catchπ
πΉ Transaction Fee: 2% + GST (Effective 2.124%)
πΉ Interest Rate: 3.8% per month (45.6% p.a.)
πΉ Bill-to-EMI Interest: 3% per month
πΉ EMI Processing Fee: 2%
πΉ Foreclosure Charges: 2% + GST
This means every transaction now comes with an additional cost.
βββββββββββββββ
5οΈβ£ Billing Cycle
π Bill Generation Date: 17th of every month
π Payment Due Date: 3rd of the following month
Payment Options:
βοΈ Total Amount Due (TAD)
βοΈ Minimum Amount Due (MAD)
βοΈ Any amount above MAD
βββββββββββββββ
6οΈβ£ Viewing Statements
To access previous bills:
β’ Open Credit Line Management
β’ Select "Past Bills"
β’ Choose the billing month
π§ Monthly statements are also delivered to your registered email address.
βββββββββββββββ
7οΈβ£ 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.
βββββββββββββββ
8οΈβ£ Credit Limit
Your approved limit depends on:
π Income
π Credit Score
π Existing Liabilities
π Internal YES BANK Policies
Available Limit =
Total Limit β Outstanding Dues β Unbilled Transactions β Active EMI Balances
π Responsible usage may improve the chances of future limit enhancements.
βββββββββββββββ
9οΈβ£ Bill-to-EMI Facility
Available after bill generation.
βοΈ Tenure: 3 to 12 Months
βοΈ Interest: 3% per month
βοΈ Processing Fee: 2%
βββββββββββββββ
π Account Closure
To close your Kiwi Postpaid account:
Profile β Need Help β Raise Closure Request
Closure requests will not be processed if:
β Outstanding dues exist
β Active EMIs are running
β Transaction disputes remain unresolved
βββββββββββββββ
β οΈ Key Takeaways
β’ Every transaction attracts a 2.124% fee
β’ No reward points currently
β’ No cash withdrawal facility
β’ Late payments can negatively impact your credit score
β’ 30+ DPD may lead to account restrictions or transaction freeze
βββββββββββββββ
π 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.
π€ 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
π¨ CRED Gift Card Edit is LIVE! (20β22 June) π
π³ Flipkart Gift Vouchers Available at Discount:
π₯ βΉ4,000 GV @ 6% OFF (Deal of the Day)
π₯ βΉ100 GV @ 10% OFF
π 500+ Brands ke Gift Cards Available:
β Flipkart
β Amazon
β Blinkit
β Myntra
β Swiggy
β Aur bhi bahut kuch...
β οΈ SBI Cashback Credit Card Users Dhyan De!
Payment karte waqt Payment Gateway ko zaroor check karein. π
π MCC 7311 vs MCC 5947 ka difference aapke rewards par direct impact kar sakta hai.
βοΈ Ek route par extra ~5% cashback/reward mil sakta hai
β Dusre route par reward nahi bhi mil sakta
Interesting baat ye hai ki Dreamplug Merchant ab dono routes se process ho raha hai.
π‘ Payment karne se pehle gateway aur MCC details verify karna na bhoolen!
#CRED #GiftCard #FlipkartGV #SBICashback #CreditCardOffers #Cashback #AmazonGV #DealAlert #Rewards
ππ Saving Karna Hua Aur Bhi Smart!
@slicebank ka Slice Atom ab LIVE hai! π
Ab aap apne har financial goal ke liye alag-alag savings bucket bana sakte hain β bina kisi extra account ke. π¦β¨
π― Emergency Fund π
βοΈ Travel Fund
π Rent Fund
ποΈ Shopping Fund
π° Ya koi bhi personal goal
π₯ Slice Atom Features: β Multiple Savings Goals in One Account
β Daily Interest Earnings
β RBI Repo Rate Linked Returns
β Instant Withdrawal Anytime
β Automatic Savings Setup
β 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. ππ
π Start Here:
https://t.co/fHRk3zsVwq
π¬ Aap kis goal ke liye sabse pehle Atom bucket banaoge? Comment karke batao! π
#SliceBank #SliceAtom #SavingsGoals #PersonalFinance #MoneyManagement #EmergencyFund #TravelFund #Investment #FinanceIndia #SmartSaving #Banking #WealthBuilding #FinancialFreedom #SavingTips #MoneyGrowth ππ
*Uni Gold X Credit Card* π³β¨
π *Lifetime FREE*β _No Joining Fee, No Annual Fee_
π° 1% Gold Back on almost every spend
ποΈ 5%β8% Gold Back on Amazon, Flipkart, Swiggy, Zomato & more
βοΈ 7% Back on Flights | Up to 10% Back on Hotels
π Zero Forex Markup across 180+ countries
π± Visa/Mastercard + RuPay (UPI Enabled)
β½ 1% Fuel Surcharge Waiver
π Earn rewards in *24K Digital Gold* and redeem anytime as cash or physical gold coins.
Apply Now
https://t.co/fD2CDFQAA8