Verified 6 Aug
Neha Koyamma
Asked 14 May 2026
On credit limit increase: most banks auto-review every 6 months. If you use 30-70% of the limit and pay in full, you'll get an automatic increase. Don't call and ask for it explicitly — banks take it as a sign of credit hunger and sometimes lower the limit instead.
I've been a customer for 6 years. The biggest upside is the customer service. The biggest downside is the slow mobile app. If you do most banking on the app, test the app at a branch before applying — it's surprisingly old.
I've been a customer for 6 years. The biggest upside is the customer service. The biggest downside is the slow mobile app. If you do most banking on the app, test the app at a branch before applying — it's surprisingly old.
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The card network matters more than the bank for acceptance and forex. Here's how each one stacks up in India.
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A Mastercard premium tier card.
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A Mastercard basic card.
I see a transaction of ₹1,50,000 on my credit card statement that I never made. What is the exact dispute process and how long does the refund take?
For the fee waiver condition: most banks count only retail purchases, not EMI, wallet loads, or fuel (in some cases). Read the TnC PDF linked at the bottom of the fee-waiver email — it's usually 2-3 paragraphs of fine print that change everything.
