TechnoFino
@TechnoFino
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Welcome to TechnoFino! We are the #1 online platform related to Credit Cards and Banking products in India. @CreditPedia
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Hey
Here I'm compiling all the threads I have written on Twitter so you guys can access the important information easily.
Join TechnoFino Community-
#1
Community Of Credit Card & Banking Experts
Download TF Community App:
👍 & 🔄
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Banks typically indicate the MCC (merchant category code) of merchants who do not qualify for reward points or cashback. However, Normal credit card users may not be able to identify a merchant's MCC prior to making a payment. Therefore, it would be helpful if the MCC was…
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Pay Your Credit Card Bill Via HDFC Bill Payment Portal & Earn 1% Cashback (Capping Applicable, Depends On Your Debit Card Variant)
A Thread 🧵
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🚨 Urgent Notice: Axis Bank Customers Facing Fraudulent Transactions - Investigation Needed
(TF Community Discussion Thread Link in 1st comment)
First of all, if you have an Axis Bank credit card, immediately disable your international transactions. Many Axis Bank credit card…
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🚨 Change(.)org Petition 🚨
Displaying Merchant Category Codes on the transaction page (OTP Page)
Sign the petition now 👇
Banks use Merchant Category Codes (MCC) to determine if a merchant is eligible for reward points or cashback. However, some…
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Our new application for managing credit cards is ready.
We are working 12 to 14 hours a day to complete card data entry within the next few days.
We'll give early access to our awesome TF Community members!
Hopefully within the next 2 or 3 days. 😊
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RBI lifted ban from amex india. Now amex india can issue new credit cards
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This is huge!!! In other words, Paytm FASTag, Paytm Wallet, and Paytm Payment Bank will not be available for even existing customers. Use your Paytm FASTag balance, wallet balance, fuel wallet balance, and Paytm Payment Bank balance before 29th Feb, 2024.
Paytm is in real trouble…
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HDFC Bank has started reporting the total credit limit to CIBIL.
Last month, we made a video on this issue:
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Today marks the 1st anniversary of Technofino Community, and we have just reached a huge milestone: 10,000 members!
I'm grateful beyond words to all the amazing members who make this community what it is. Your dedication, passion, and support have made this a year to remember.
🙏
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So, it's official now! Axis Bank has made numerous changes to its entire credit card portfolio.
Axis Magnus, Axis Reserve, and almost all Axis credit cards have been devalued.
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If you're collecting airmiles through the use of credit cards that are specifically designed for airmiles rewards, be sure to save this link.
This is a comprehensive list of all the airmiles-focused credit cards available in India on a single page. Here, you can find detailed…
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If you're passionate about credit cards and eager to delve into the limitless opportunities of the airmiles world, it's essential to seek guidance on how to get started.
Fortunately, TechnoFino is your one-stop-shop for all things banking and credit cards.
To help you embark on…
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This will change the way you search for credit cards!
The app is almost ready.
Coming soon!
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Credit Card Portfolio With Limit & Charges!
Bohot Sare Request Mil Raha Tha... Too Yea Lo...
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🚨 Axis Bank devalued almost all its credit cards. 🚨
TF Community Discussion Link & Full Information Below 🔽
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🚨 HDFC Bank Credit Card Destroying Your CIBIL Score!
Watch This Before Using HDFC Bank Credit Cards 👇
Our credit utilization ratio can drastically increase due to HDFC Bank's failure to report our full credit limit to the credit bureaus.
We urge…
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Upcoming Video- How To Upgrade Your HDFC Bank Existing Credit Card To Infinia/DCB | How To Apply For Infinia/DCB Without High NRV Or 43L/24L Income Proof
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Amex India has started accepting card-to-card applications.
For selected location and card
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Now you can link your HDFC Bank Tata neu rupay credit cards on BHIM UPI app.
I just linked my HDFC Bank Tata Neu infinity credit card.
It's working now!
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An expression of gratitude to you for following us! We thank you for 10,000 followers. Glad to have you here, and hope to make it worth your time.
Cheers 🥂
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All my active credit cards 🙌
Video coming soon (before diwali)
*Discussed topics- reason behind applying for a card, how i apply for a card, how much fees I pay annually, how I manage 42 credit cards, etc...
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I have hit a milestone.
Half-century complete! I now possess 50 active credit cards.
With so much misinformation floating around online about credit cards, I have decided to take the opportunity to write a thread outlining some fundamental aspects of credit cards.
A thread 🧵
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Improving Credit Card Application Transparency in India: A Call for Action
🚨 Sign petition on Change 🚨
The Reserve Bank of India (
@RBI
) issued new guidelines for credit card issuers on April 21st, 2022, which came into effect on July 1st, 2022. The RBI…
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Repeat with me....
Having multiple credit cards doesn't affect your credit score negatively.
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Calculate the value back percentage.
Few credit cards + Eazydiner = insane value back
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Amex Centurion Card Review After Using It For More Than 5 Years
The Amex Centurion card, also known as the "Black Card," is an exclusive invitation-only credit card offered by American Express.
Read More 👇
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The RBI directed Kotak Mahindra Bank to stop issuing credit cards, citing poor IT infrastructure and management.
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Axis Magnus is one of the best credit cards currently available among all the options in India and a must-have if you can spend ~1L a month especially if you indulge in luxury travel internationally or even economy air travel regularly.
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Devaluation alert ⚠️
Affected cards- all axis bank credit cards
Effective from date- 5/03/2023
1% surcharge for rent payment upto Rs. 1500 pee transaction.
No Reward points for Insurance premium payment.
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Official URL of each bank for paying credit card bill online - Pay credit card bill using RuPay debit card
A Thread 🧵
If you don't use a 3rd party app for paying credit card bills, then save this thread for your future credit card bill payments.
List-
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It all started 3 years ago today!
It has been a wonderful journey altogether. Let’s hope for the best in the coming years!
🎂
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How about checking credit card benefits this way... 🤔
Note- Please ignore data, this is just a draft screenshoot
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Axis Bank is becoming a joke now! They are:
● Looting customers in the name of consolidated charges.
● Exhibiting inconsistencies in their credit card benefits and reward system.
● Struggling with an incapable IT infrastructure (credit card).
● Frequently resorting to trial…
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If the RBI closes a banking ombudsman complaint under clause 16, there is no option for an appeal. It raises the question whether the RBI ombudsman officers diligently examine all the documents, facts, and information that customers submit. In my recent complaint against ICICI…
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What is your favourite credit card?
Are you loyal to any bank card or loyal until devaluation happens?
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Back in July 2019, we embarked on our TechnoFino YouTube channel with the aim of providing insightful credit card reviews.
Today, after four incredible years, I am delighted to announce that we have reached a remarkable milestone of 80,000 subscribers! This achievement would not…
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Best Amex Card & How to get Amex card easily:-
If you are a credit card enthusiast, then you must have an Amex card. Your credit card portfolio is incomplete if you don't have an American Express card. There are many reasons behind holding a credit card from Amex.
A Thread 🧵
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IDFC First bank launching 3 Banking Program Soon....
First Select, First Wealth, First Private
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Axis Bank Reserve Credit Card Airport Pickup & Drop Service | Luxury Transfer |
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77 hard enquiries in last 3 years!
33 new accounts in last 3 years!
Utilization ratio is 0% (right now)
CIBIL Score- 794
Don't think too much about CIBIL... Be responsible!
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📢 🚨 Important update on Lounge Access via HDFC Credit Cards from December 1st, 2023.
⚠️ HDFC Regalia First:
Effective December 1st, 2023, complimentary lounge access at lounges within and outside India can no longer be availed on Regalia First Card.
⚠️ HDFC Millennia:
To…
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Big breaking news:
All the edge points that were earned without spending a single rupee were reversed by Axis Bank.
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It's our privilege that Axis Bank is also checking TF Community.
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If you are into the Air Miles game, save this page:-
List Of Air Miles Credit Cards In India 2022 And It's Transfer Partners :
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1. Effective from May 16, 2023, all international transactions made using credit cards will now fall under the Liberalized Remittance Scheme (LRS). Furthermore, a 5% Tax Collected at Source (TCS) will be applicable on all international transactions until July 1, 2023.
2. Starting…
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Looking for category list that are excluded from earning EDGE Points using Axis Magnus?
Here is an amazing thread by "James2307mr" TFC member... 👇
Axis Magnus | Master List of Exclusions | Guide :
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Axis Magnus has credited 25,000 bonus EDGE Points. This time, they mentioned that this is the bonus for the month of March 2023.
Axis is improving.
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Axis Bank has added four new transfer partners to their existing loyalty programme transfer partners.
1. Accor
2. Air Canada (Aeroplan)
3. Japan Airlines (JAL Millage Bank)
4. Qantas
Transfer Rate:
Axis HNI Cards: 5:4
ATLAS (EDGE MILES): 1:2
Affluent Cards: 10:1
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How to file a complaint against a bank on the RBI banking ombudsman portal
Detail steps with screenshots-
A Thread 🧵
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I told you, every bank will follow icici bank.
Now kotak will charge 1% for rent payment 😄
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This is a highly underrated benefit that comes with credit cards. If you own a four-wheeler, we recommend holding at least one credit card from the list below.
Great article by Bhavye!
@bhavyegoel
#MCPersonalFinance
: When it comes to
#CreditCards
, most people think of the convenience of cashless payments & rewards. However, one often-overlooked benefit that some credit cards offer is complimentary roadside assistance.
What benefits do these cards offer?…
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Getting a premium credit card for free is an art 🎨
Successful negotiation for Axis Magnus FYF/LTF
(Posted by one of our TF Community members)
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By simply lodging a complaint, you can secure a refund for the additional finance charges erroneously imposed by Axis Bank on your account. However, it is imperative that all Indian banks adhere to the guidelines established by the Reserve Bank of India (RBI). It seems illogical…
@rbi
Paid Rs127507 (Bill Amount Was Rs122206 .
@AxisBank
Charged me Debit Interest of 5228.91 Plus GST 941.2 . MY Due Date Was 5th JUNE But
@rbi
Give 3 Days Extra for Bill Payment.DONE LAST PAYMENT ON 8TH JUNE
@TechnoFino
@imYadav31
@satishckp
@Skh27
@CreditYodha
@creditcardz_in
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This ultimate guide is tailored to help Indian members navigate the multitude of benefits, rewards, and exclusive offers available through the Marriott Bonvoy, a globally renowned loyalty program.
✍️
@CenturionGuy1
📸
@BrownPoints
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OTT | Ola/Uber | Health Checkup | Spa | Golf | Gym Membership Benefit of Rupay Select Debit Card!
Details Here 👇
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Amex might start taking new application in Q3 of 2022 (July Most Probably)
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If you are struggling with poor service from credit bureaus, or you are a victim of incorrect credit data report and not getting proper resolution then you can now approach RBI monitored grievance redressal mechanism for complaints against the credit score bureau.
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My Card Portfolio 🙂
Aapke kya hai?
About 1.34 Cr in this Pic 😄 but credit (credit limit) from bank.
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Happy Maha Shivratri!
May Lord Shiva bless you with strength, courage, and wisdom to overcome all obstacles in life. May His divine presence always guide you towards the path of righteousness and shower you with peace, prosperity, and happiness.
Jai Bhole Nath!
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CreditPedia
Follow TechnoFino Community for early access (bug testing) 🙂
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Key Highlights (RBI Credit Card Data June, 2023):
⭐️ Total credit card expenditure decreased from the previous month.
⭐️ SMB lost the highest number of credit card customers.
⭐️ Indusind Bank is in the top position in terms of per card spends, followed by Amex and HDFC Bank.
⭐️…
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Slice card's terms of use, read it carefully and then decide.
If you swipe your card for 100 rs, slice will add a 100 rs loan account to your credit history, if you use your card again for 200 rs, they'll add another 200 rs loan account and so on...
Be careful 🚨
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Axis Magnus is still a better card than HDFC Infinia, even without the 1L milestone bonus.
Compare the earning rates of both cards and you'll understand.
Infinia's earning rate is 3.33% (reward points).
1 reward point = 0.50 air miles for maximum airlines (tentative)
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If you are a frequent air traveler, looking for a credit card that gives you airmiles or allow you to transfer your credit card's reward points to air miles, then this post is for you.
Here I'm listing such credit cards with important Information
A Thread 🧵
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How about some hidden information? I bet 99% people are unaware of this.
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New Reward System starting 15th August, 2022 or 15th Aug, 2023 ?
Mention the year please 🙏
@ICICIBank
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Meet And Greet Service (From Axis Bank) at New Delhi Airport.
I'll share my experience soon 🙂
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Thanks to axis bank for vistara infinite credit card 💳 😂
Free Business Class
(Note- Nothing comes free in this world)
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How many credit cards do you have? And what is your CIBIL score?
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Amex Gold Charge Delivered Yesterday, Superrr Fast!
Card was delivered within 24 hours of approval
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We do not share anything just for earning commission, we get lots of collaboration offer for promoting insta loan app, EMI card, risky investment schemes, etc.
But we reject their proposal every time.
We never suggest US cards to someone who don't have any spending in the USA.
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Huge devaluation news coming from Axis Bank!
Full details-
New T&C will be applicable from June 15, 2023 :
1. Bill payments (electricity, Cashback water,
gas, LPG, and broadband), DTH and mobile
recharges through Google Pay and get
5% Cashback & Swiggy,…
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Card collection till date (active + inactive).... (few cards are in transit) 😄
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Limit enhancement from icici bank. Check your iMobile app (manage limit)
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HDFC Bank new airmiles & hotel points transfer system is live for HDFC bank Infinia & DCB card holders.
Check transfer rate, earning rate, how to transfer & more details here -
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Paytm has withdrawn platform fee for cc bill payment via wallet
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Officially Crossed 1Cr Credit Limit Combined.
Indian Credit Card Total Limit - INR 65,78,000
US Credit Card Total Limit - $58,000 (Which is INR 43,08,095)
Total - INR 1,08,86,095
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HDFC Bank has sent notifications to some of their credit card users regarding commercial usage/misuse of their reward system/benefits.
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AMEX Platinum Travel is one of their best credit cards which provides an exceptional reward rate of 8.5% and is one of my go-to cards till I complete its milestone for the year. ✍️
@bhavyegoel
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May Lord Ganesha bless you with success and happiness.
Happy Ganesh Chaturthi 🙏
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Do you like to get this type of important notification?
Then download CreditPedia application
(Note- notification was only sent to yes bank card holders 😊)
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TechnoFino is a reliable source for all kinds of credit card data.
Image:
@livemint
newspaper 10th may
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