Verified 6 Aug
Vaani Gavali
Asked 12 Jun 2026
I have had a hard time getting this card approved twice. The third time I applied after a 10% salary hike and got instant approval. Banks re-check eligibility every time. If you got rejected, improve your income proof / CIBIL and reapply after 6 months.
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I have accumulated around 20,000 reward points on my HSBC credit card. What is the redemption value in rupees and the best way to use them?
Two cards from the same bank usually share credit limit, not stack it. So if bank gives you ₹2 lakh total, splitting between two cards doesn't increase your available credit. That's a common misconception people carry when applying for their second card.
