Pranay

Curious in CC miles..credit cards..
Love to explore...

[Pranay @PranayCC]

Just try this HS BC card workaround for unserviceable locations..

Considering upcoming bonus it's damn good..

I am now thinking about getting Premiere..
But will have to visit always if I have any branch related work..not a option. Let's see if they include more cities.

#ccgeeks

[Pranay @PranayCC]

Got HSBC TravelOne in unserviceable area.

My journey process 👇
Visited relative in serviceable location (Pune) and applied → got it delivered → scheduled courier pickup back.
Most straightforward & guaranteed way.

While filling form:
• 2 address needed – Permanent (Aadhaar, can be non-serviceable) & Current (relative address)
• Current address has to be in serviceable location.
• Can't change delivery to permanent later.

VKYC:
• Asked about both addresses
• Must be done from same serviceable location (they verify it)

Approval insight:
• <4 enquiries in last 6 months (incl. HSBC)
• Good CIBIL needed
• T1 seems available for self-employed now

Courier:
HSBC took 6 + Delhivery took 6 days (slow). Any better pickup courier?

I took T1 bcz:
Wide transfer partners. Not expecting much due to hopper rates. Let’s see.
Went for T1 over Scapia.

Take cards basis your need, not offers/bank push.(No referral)

@CardNiti this was the other way I was trying..
Also u may apply via paisabazaar and banbazaar as @iSatishAgarwal informed.

Happy gudi padwa!!

#ccgeeks #T1 #Hopper #HSBC

[Pranay @PranayCC]

@CenturionGuy1 @CardNiti Will inform equ-itas on mail that they are self employed..

So u think they will act negativity or convert profiles as self employed?

[Pranay @PranayCC]

@Jashwanthjoshi @CardNiti @FinPaal Just passing info🙌🏻

[Pranay @PranayCC]

@CardNiti Nope..never..
In the post I have mentioned only for googlemail info..also for finpal.

[Pranay @PranayCC]

@CardNiti @CenturionGuy1 @FinPaal Noted..will take care @CardNiti .. didn't know these specifics ..

[Pranay @PranayCC]

@CardNiti @CenturionGuy1 @FinPaal https://t.co/NuoTVTqGrY

[Pranay @PranayCC]

@ravikumard1997 @CardNiti @FinPaal Nope.. nothing for other 2 for me..
Mine was salaried

[Pranay @PranayCC]

@CatchMeAbhiOrb Coastal + Pollution!
Wish I m not being called back at office..!

[Pranay @PranayCC]

@suvendu_owner Nope.. cashkaro won't work here..!
Will Justify or not , totally depends on card rewards are end value u consider.. compare and then go ahead.

[Pranay @PranayCC]

BLINKDEAL6 is live but at 15.6k/gm value..
While the market rates is 15.2k + now..

Avoid.🚨

#ccgeeks

[Pranay @PranayCC]

@AmanGupta0822 @CardNiti @FinPaal Gives better rewards on certain categories..! Kindly gemini, chatgpt for full info..

[Pranay @PranayCC]

@cc_baadshah Yeah..still 6% coupon ongoing!

[Pranay @PranayCC]

@bigulchugh Ya..had a similar experience earlier.. stopped using then

[Pranay @PranayCC]

@VenkataSumanN @SartanparaYash Paytm, savesage, MobiKwik works..

[Pranay @PranayCC]

@skh27 +T1🙃

[Pranay @PranayCC]

@Jai_Pa1 @CardNiti Open kot ak 811 super (metal) a/c
..card/program fees 1k I think.

[Ankit Dewan @ankitdewan]

Little known fact - HDFC Biz Power too can be had as a floater.

The Biz Black Credit Card remains elusive as ever, and to get it as a floater card is now more difficult than ever (see article below).

But the Biz Power also gives accelerated returns on GST & other Government Payments, and is available as a floater card as well!

True, Biz Power gives low returns as compared to Biz Black, but which other card is giving returns on GST Payments?

✨ Always remember - 37% of something is better than 100% of nothing!

Here are some facts about Biz Power:
👉🏼 It is similar to Regalia Gold (RG).
👉🏼 Base rate is 5 pts/ ₹200 (2.5%).
👉🏼 Same Smartbuy Multipliers as RG
👉🏼 Same limits of accelerated rp - 2k daily, and 4k monthly.
👉🏼 BUT, Biz Power gives you 7,500 accelerated rp separately for business spends, which includes Government spends & bills paid via Payzapp.
👉🏼 You can use points to pay for 70% of travel bookings done through Smartbuy @ ₹0.5 per pt.
👉🏼 No Accor in this one ☹️. The only option for redemption is Krisflyer @ 2:1 ratio.
👉🏼 Effective base rate is 1.25% and accelerated (5x) is 6.25%. in comparison, the Biz Black gives 1.33% & 16.67%.

⚠️ There are some conditions like first 2 transactions are considered for GST, ₹25k min. spend, etc. Please DYOR.

Eligibility for Floater:
👉🏼 3 Lakh limit of existing HDFC Card.
👉🏼 Not much else!
🤫 AFAIK, as of now HDFC does not check business income or ITR.

Final Words
Should you get it? Absolutely! In my mind, it is a no-brainer, because this card gives you extra SmartBuy limits + multipliers on government spending, utility bills etc. And Krisflyer can give you some amazing experiences, as well as be converted into other loyalty miles as well.

I know an HDFC guy who can help you get this card as a floater. DM me if you need his contact.