Verified 6 Aug
Ganesh Subramaniam
Asked 22 May 2026
On the lounge access — the PassApp / Dreamfolks integration works smoothly only if you've registered your card on the lounge app before reaching the airport. First-time users always face issues. Do it the night before, not at the lounge counter.
The customer care experience matters more than people think. I've had two cards with similar rewards, and the one from the bank with better support saved me ₹18,000 when there was a merchant dispute. Don't underestimate this.
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.
On the add-on card: yes, the primary cardholder is fully liable for all spends on the add-on. There is no separate credit limit or statement. So only issue it to someone you trust absolutely — spouse, parents. Not friends, not siblings you have money disputes with.
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