Verified 5 Aug
Krunal Halpati
Asked 14 Jun 2026
Dispute process that worked for me: I called customer care within 24 hours, raised a dispute via the netbanking portal (uploading the receipt showing I never visited the merchant), and got a provisional credit in 5 working days. Permanent credit came after the bank's investigation in about 30 days.
Credit score impact: each hard inquiry (which happens on card application) drops your score by 5-15 points temporarily. Applying for 3 cards in 2 months is fine IF you get all 3 approved. If 2 get rejected, you've taken a hit with nothing to show for it. Apply smart, not fast.
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A Mastercard premium tier card.
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A Mastercard basic card.
Please recommend a credit card with annual fee under ₹50,000 that excels at Amazon purchases. I prefer Visa/Mastercard over RuPay for wider acceptance.
