Umang

Pilot in Training ✈️
Cards • Miles • Points • Hotels

[Umang @UMRAJ001]

🚨 BizBlack via FD: the email says BIZBLACK this time 👀🖤

Last night everyone got the same trick:
Website shows BizBlack → approval email says Regalia Gold ❌

Applied in the family this morning, and this time:
📄 Application page: BIZ BLACK CARD ✅
📧 HDFC email (8:40am today): BIZ BLACK CARD ✅

The first BizBlack confirmation email I’ve seen on X 🤯

The details:
💳 Limit: ₹5,00,000
💰 Annual fee: ₹10,000 + GST
🏦 FD: ₹5,55,556 at 6.25% = ₹35,544 interest a year
🚚 Card promised in 7 working days

How to apply:
HDFC app → Deposits → Credit Card on FD → Retail
On desktop-https://t.co/HUTe91wJ93

📸 I’ve taken screenshots AND screen-recorded the whole application, so if HDFC switches it to RG, I have proof to escalate 💪

Do the same if you apply!

Applied ≠ issued. Will update when the card arrives 🔁

Applied today? What did YOUR email say? 👇
#HDFCBank #BizBlack #ccgeeks

[Umang @UMRAJ001]

@EvryPaisaMatter @travelforperks @creditkeeda Any other card which u would suggest for withdrawal?

[Umang @UMRAJ001]

@thegame64824845 Glad it helped! Reach out anytime if you have a query 🙌

[Umang @UMRAJ001]

SBI Rewardz Carnival 7.0: is 6X really 6X? 🤔

SBI debit cards promise 3X–6X reward points till 31 Dec 2026. 🎉

Many posts on X claim returns of up to 3%. I read the T&Cs, did the math and emailed SBI Rewardz. 📩

⚡ Short answer: on SBI’s own example, a Platinum card with Elite benefits earns 1.75%.

🎁 There’s also a bonus tip towards the end, so stay till tweet 8!

Full breakdown 👇
(As of 31 Oct 2026)

[Umang @UMRAJ001]

@EvryPaisaMatter @travelforperks @creditkeeda Any % markup?

[Umang @UMRAJ001]

@HDFC_Bank might think this is a small community.
It’s also the one telling thousands of people which card to apply for next 😉
If you can’t honour it, just say so and apologise publicly.

[Umang @UMRAJ001]

48% declined. 0 cards shown. 6 different versions from HDFC.
The BizBlack FD story, in one post 👇

Guys, the response in my DMs has been overwhelming 🙏 The draft mail is ready, just drop me a message 📩 Will reply to everyone waiting and anyone new by tomorrow max.

The poll:
❌ Declined: 48%
⏳ Still waiting: 24%
✅ “Got BizBlack”: 21%
🔄 Got Regalia Gold instead: 8%

Still not one person has posted an actual approval or card. If you’re in that 21%, show us and I’ll happily post the correction 🙏

What HDFC told people, all within 24 hrs:
🔹 Decline mail: “doesn’t meet internal policy guidelines”
🔹 @HDFCBank_Cares: “supporting documents fell short” (none were ever asked)
🔹 One RM: “technical glitch”
🔹 Another RM: “we were briefed LAST WEEK that FD cards can’t be given for BizBlack”
🔹 Internal note: “BizBlack cannot be sourced under FD lien”, though people say they’ve held BizBlack against an FD before 🤔
🔹 One applicant: CIBIL check run, then asked to “choose an alternate card”
↳ A CIBIL check… on a card backed 100% by your own FD? The FD is the security, that’s the whole point of a secured card 🤦‍♂️

Six versions. One application screen.
Declined or swapped? Escalate 👇

📧 [email protected] (Most people are using the old https://t.co/XDKQqffE17 address, use this one)

📸 Attach: the BizBlack screen, their confirmation mail, the eligibility page
📜 Ask for the SPECIFIC reason in writing. RBI Para 11(1) (Credit Card Directions 2022) requires it
⏳ No proper answer in 30 days → https://t.co/sBgdUgH7Tk
⚠️ Got RG instead? Don’t activate it before you escalate

And to the few arguing in the comments: “it’s just a tech issue, why so much noise?” 🙂

Honestly? It doesn’t change much for me. I already hold BizBlack. If a 4th doesn’t come, fine, I’ll live 😄

But this part isn’t okay.
People sat up till midnight. Opened FDs of ₹5.5 lakh because YOUR website said they were eligible.
Got your confirmation mail with the card name on it.

@HDFC_Bank, if you can’t honour it, just say so and apologise publicly for wasting everyone’s time. That’s it. Instead we got six vague versions in 24 hours and a quiet deletion of the page 🙃

Today it’s BizBlack.
Tomorrow it’s something you applied for. That’s why this shouldn’t be let go 🤷‍♂️

PNO mails for all 4 scenarios are drafted and ready.
DM me and I’ll share the one that fits your case 📩

[Umang @UMRAJ001]

Applied for BizBlack / DCB Metal via FD in that window? What happened to yours? 👀

[Umang @UMRAJ001]

Yes 👍
The 1,000 per-transaction cap is on base + tier points. Carnival points sit outside it (₹50K gave 2,500 campaign points in SBI’s own example).
So at Affluent (1.5 per ₹100), ₹66,667 per transaction is the max. Anything above earns no extra base + tier points.
To be safe, split into ₹50–60K transactions 👍

[Umang @UMRAJ001]

Spot on, your math is right ✅
🔹 ₹2L at 6X → 10,000 Carnival points (the full cap)
🔹 ₹1L in Nov + ₹1L in Dec → 2 × 1,000 milestone
🔹 Base + Affluent at 1.5 per ₹100 → 3,000
Total 15,000 points = ₹3,750 on ₹2L = 1.875% 🔥
Just keep each transaction ₹2,000+ and in an eligible MCC 👍

[Umang @UMRAJ001]

1/
🪔 This Diwali, my company pays for the fuel…
and I keep ₹3,030 in rewards. 🤯⛽

One card. Under 2 months. Zero extra spend.

Missed the Dhanteras gold deals on Zepto because you don’t have an RBL card? 🪙😩

This one fixes that too.

The ₹3,900 rule my drivers follow is in tweet 4 👀 🧵👇

#HappyDiwali #ccgeeks #IndianOil

[Umang @UMRAJ001]

@travelforperks @creditkeeda Not being charged this?

[Umang @UMRAJ001]

@Virat4everr Exactly 👍
The caps are the same for everyone. Card type and tier only change how fast you hit them.

For the 10k Carnival cap:
🔹 Platinum (6X): ~₹2L of eligible spend
🔹 Virtual Global (3X): ~₹5L

[Umang @UMRAJ001]

A DEBIT card giving 2.5% back? SBI just confirmed it in writing 👀

No credit card needed. Just an SBI Platinum debit card 🎂🔥

Remember my Carnival 7.0 “is 6X really 6X?” thread? 1.75% was the real number.

Add the Birthday 2X, and it jumps to 2.5% 🤯

I emailed SBI Rewardz again. They confirmed birthday 2X stacks on Elite ✅

Per ₹200 (Platinum DC + Elite):
🔹 Base: 2
🔹 Elite: +2
🎂 Birthday 2X: +4
🎪 Carnival 6X: +10 (on base only)
= 18 points = ₹4.50 = 2.25%

₹1L of bills in your birthday month:
2,000 regular & elite tier + 2,000 birthday + 5,000 Carnival + 1,000 milestone
= 10,000 points = ₹2,500 = 2.5% 💰

Two SEPARATE caps:
📦 Monthly 10,000 (regular + Elite + birthday)
🎪 Carnival 10,000 (whole campaign)

Max = 21,000 points = ₹5,250 🔥

Rules:
⚠️ ₹2,000+ per transaction, eligible MCC (utilities 4900 counts)
⏳ Birthday posts in 120 days, Carnival after 31 Dec
Bonus tip: only Nov & Dec birthdays get BOTH.
Carnival ends 31 Dec ⏰

Tag your friend with a Nov or Dec birthday 🎉

Bookmark this for your birthday month 🔖

#SBIRewardz #DebitCard

https://t.co/Gg3WLAU2cJ

[Umang @UMRAJ001]

SBI Rewardz Carnival 7.0: is 6X really 6X? 🤔

SBI debit cards promise 3X–6X reward points till 31 Dec 2026. 🎉

Many posts on X claim returns of up to 3%. I read the T&Cs, did the math and emailed SBI Rewardz. 📩

⚡ Short answer: on SBI’s own example, a Platinum card with Elite benefits earns 1.75%.

🎁 There’s also a bonus tip towards the end, so stay till tweet 8!

Full breakdown 👇
(As of 31 Oct 2026)

[Umang @UMRAJ001]

@travelforperks @creditkeeda wht charges?

[Umang @UMRAJ001]

@YourCardJourney Fair point 👍

[Umang @UMRAJ001]

Not quite 40k 🙂
There are 2 separate caps:
🔹 Monthly: 10,000 points (standard + tier + birthday)
🔹 Carnival bonus: 10,000 points for the WHOLE campaign (15 Oct–31 Dec), not per month

So Nov + Dec max = 20k monthly + 10k Carnival = ~30k points.
At ₹0.25 a point, that’s ~₹7,500. Birthday 2X only applies in your birthday month 👍

[Umang @UMRAJ001]

Bro, please escalate this 🙏 This is very wrong.

A CIBIL hit for a SECURED card? 🤔 The FD itself is the security, that’s the whole point.

That’s now a 4th outcome for the exact same application:
🔹 Approved, but as Regalia Gold
🔹 Declined, “internal policy guidelines” (ours, with no CIBIL check at all)
🔹 RM says “glitch”
🔹 Yours: CIBIL hit, then “choose another card”

Same page, same FD, same BizBlack application mail. 4 different stories.
Which cards have they offered you?
Don’t pick anything yet. Mail PNO ([email protected]) with your screenshots and the application mail, and ask for the specific reason in writing, as RBI’s Para 11(1) requires.

Need help with the mail? DM me 👍
@HDFC_Bank you are done, bro 🤦‍♂️

[Umang @UMRAJ001]

The BizBlack FD story has an ending… and it’s not a happy one 🥲

📄 Day 1: HDFC’s own page said BIZ BLACK CARD ✅
📧 Their email said BIZ BLACK CARD ✅
🏦 ₹5,55,556 FD booked ✅
🛠️ Afternoon: “maintenance”
🚫 Evening: BizBlack quietly removed
❌ Today, 10:08am: DECLINED

Reason: “Application does not meet internal policy guidelines” 🙃

Which policy, HDFC? The one on your own website yesterday? 🤔

No hopes, and honestly no regrets either. Already have 3 BizBlacks in the family 😎🖤
But I’ll definitely escalate to PNO, with screenshots + the screen recording 📸

Will update on the escalation and once the FD is released 🔁

Looks like even if you got in during that short window, it’s gone 🥲

Anyone actually GOT BizBlack via FD? Or declined across the board? 👇

[Umang @UMRAJ001]

🚨 BizBlack via FD: the email says BIZBLACK this time 👀🖤

Last night everyone got the same trick:
Website shows BizBlack → approval email says Regalia Gold ❌

Applied in the family this morning, and this time:
📄 Application page: BIZ BLACK CARD ✅
📧 HDFC email (8:40am today): BIZ BLACK CARD ✅

The first BizBlack confirmation email I’ve seen on X 🤯

The details:
💳 Limit: ₹5,00,000
💰 Annual fee: ₹10,000 + GST
🏦 FD: ₹5,55,556 at 6.25% = ₹35,544 interest a year
🚚 Card promised in 7 working days

How to apply:
HDFC app → Deposits → Credit Card on FD → Retail
On desktop-https://t.co/HUTe91wJ93

📸 I’ve taken screenshots AND screen-recorded the whole application, so if HDFC switches it to RG, I have proof to escalate 💪

Do the same if you apply!

Applied ≠ issued. Will update when the card arrives 🔁

Applied today? What did YOUR email say? 👇
#HDFCBank #BizBlack #ccgeeks

[Umang @UMRAJ001]

@saichand084 Same here 👀
21% “Got BizBlack/DCBM”? Looks like a few clicked just to peek at the results 😅 I

[Umang @UMRAJ001]

@PantHarshal @cardzbuzz @HDFC_Bank Thanks for sharing 🙏
So that’s one more “glitch” 😅
Your RM says glitch, HDFC Cares told us “documents fell short”. Same mistake, different story each time.

[Umang @UMRAJ001]

One “BIZ BLACK CARD” screen. Three outcomes. Three excuses 🎰

🔄 @cardzbuzz: approved… as Regalia Gold
❌ Ours: DECLINED, “internal policy guidelines”
✅ BizBlack actually issued: nobody 🤷

@HDFC_Bank isn’t processing applications, it’s spinning a wheel 🎡

And the reasons so far:-
🔹 @HDFCBank_Cares to us: “supporting documents fell short” (none were asked 😅)
🔹 An RM to another applicant: “technical glitch”
🔹 Internal note doing the rounds: “incorrect update”

Guys, declined OR swapped to RG, please ESCALATE 🙏

📧 [email protected]
📸 Attach the BizBlack screen + their emails
📜 Ask for the specific reason in writing (RBI Para 11(1), Credit Card Directions 2022)

One complaint is easy to ignore. A hundred aren’t 💪
Amex reversed only after everyone spoke up. Same playbook.

Need the PNO draft? DM me 📩

Declined or swapped? Drop your status 👇

[Card Buzz @cardzbuzz]

As expected, HDFC Bank has approved Regalia Gold instead of BizBlack! 🤦‍♂️

I applied for BizBlack through the Secure FD route, and the application confirmation screen clearly showed BizBlack.

However, the approval confirmation now mentions Regalia Gold.

The big question: Will HDFC correct this and issue BizBlack, or am I stuck with Regalia Gold? Or get compensation

@ccg33k @CardNiti @CardMavenIn @imYadav31

[Umang @UMRAJ001]

@airaatalks @conntexxt Exactly this 💯
Miss a payment by a day and there’s a late fee, interest and a CIBIL hit, no questions asked.
Then the bank makes a mistake and we’re supposed to “let it go”? 🙂

[Umang @UMRAJ001]

@YeshwanthPhill @mishrajai11 Anytime 🙌

[Umang @UMRAJ001]

🚨 BizBlack via FD: the email says BIZBLACK this time 👀🖤

Last night everyone got the same trick:
Website shows BizBlack → approval email says Regalia Gold ❌

Applied in the family this morning, and this time:
📄 Application page: BIZ BLACK CARD ✅
📧 HDFC email (8:40am today): BIZ BLACK CARD ✅

The first BizBlack confirmation email I’ve seen on X 🤯

The details:
💳 Limit: ₹5,00,000
💰 Annual fee: ₹10,000 + GST
🏦 FD: ₹5,55,556 at 6.25% = ₹35,544 interest a year
🚚 Card promised in 7 working days

How to apply:
HDFC app → Deposits → Credit Card on FD → Retail
On desktop-https://t.co/HUTe91wJ93

📸 I’ve taken screenshots AND screen-recorded the whole application, so if HDFC switches it to RG, I have proof to escalate 💪

Do the same if you apply!

Applied ≠ issued. Will update when the card arrives 🔁

Applied today? What did YOUR email say? 👇
#HDFCBank #BizBlack #ccgeeks