Below is the latest, verified lounge list with timings.

Domestic Airport Lounges – Scapia Credit Card

Note: Lounge access is subject to terminal eligibility, lounge capacity, and Scapia Credit Card terms.

Important Lounge Timing Notes

Most International lounges operate 24×7

Entry allowed 3 hours before departure

Lounge access is terminal-specific

Access subject to crowding & lounge rules

How to Use Scapia Credit Card for Lounge Access

Clear immigration & security

Visit the eligible lounge

Present your Scapia Credit Card

Swipe and enjoy complimentary access

No registration required.

With mostly 24-hour lounge availability, Scapia Credit Card is ideal for:

Late-night & early-morning flights

Frequent domestic travelers

Comfort seekers without extra cost

The post Scapia Credit Card Airport Lounge Access in India (55 Lounges List with Timings) appeared first on TechAccent.

ICICI Credit Card OTP By SMS

You must send the SMS from the registered mobile number associated to the ICICI bank account.

9215676766

To request a new OTP or regenerate a new OTP for ICICI Card online transaction send an SMS as below to 09215676766.

Format: IBOTP and send SMS to 5676766 or 9215676766

Note: Please do not share the received OTP with anyone, even if the person claims to be an ICICI Bank official.

Better try the above method only if you have not received OTP One Time Password on your mobile while doing or performing an online transaction.

PS: Sending SMS to 5676766 will be charged Rs 3 per SMS and for 9215676766 it is Re 1 or mostly free.

The post How to Get ICICI Debit Credit Card OTP By Sending SMS To 9215676766 appeared first on TechAccent.

If someone knows your credit card details then they can do a purchase easily without OTP. So if you don’t do any transaction or purchase any item on international websites regularly its always better to disable International Transaction on Credit Card. Below you can see how to Disable or Enable International Transactions on Credit Card in various Indian bank providers.

Still have doubt that one cannot do transaction without OTP?

Just go to Audible.com an Amazon company, Sign up and then go to their Audiobooks subscription(choose lowest priced like $2 or $3) for 30 days and enter credit card details and click on continue without the need of OTP you subscription will be successful. You can cancel it within 30 days to get your money back.

You can also do a successful International transaction without the need of OTP on namecheap.com as well. 🙂

Disable or Enable International Transactions on Credit Card

How to enable or disable international transaction on HDFC Credit Card

Go to HDFC Bank Credit Card NetBanking and Login

On the left side bar look for International Enable/Disable

Choose the credit card you want to disable then click continue, now choose International usage disable then continue. Upon submit it says – The status of the Credit Card has been changed successfully. Your card is now de-activated for International usage.

When you want to enable also its better to keep low amount in International Usage Limit.

Disable or Enable International Usage on SBI Credit Card

If you are a State Bank of India SBI Credit card user it always better to deactivate international usage on your card as most number of fraudulent transactions happening on SBI Cards.

How to Disable or Deactivate international transactions on SBI Cards:

Log in to sbicard.com then On Left Side bar Choose My Profile

Now look for International Number Tab it will display as below,

Update your international number to continue receiving transaction alerts and One Time Passwords (OTPs) when you are traveling abroad.

Note: For making international transactions, please ensure your card is activated. to check your card’s international usage activation status please click here.

Click on Click Here, Now You may activate or deactivate international usage on your card.

By default SBI deactivates International Transaction usage on Credit card, when you activate you need to activate International number to receive OTP’s.

How to Activate or Deactivate International transaction on American Express Credit card

If you are using American Express Credit card then there is an easy option to enable or disable International transaction.
By default your Amex card will work only in the country where you taken, if you want to use during your international trips then you need to follow few steps see below.

Login to AmericanExpress.com then go to Account Management Tab

Under Account Management go to Personal Details Section

and Choose Transfer your card to a new country of residence, upon clicking it will take you to Moving to another country Section update your travelling country and you are done.

How to disable International transactions on Citi Credit Card

As of of now at the time of writing this article I couldn’t found how to disable it, but its always better to enable Enhanced Security on your Citi Card.

Login to COBL Citi Online banking, choose Banking Tab then on Left Side bar to the bottom look for Enhanced Security it has options of OTP and Electronic Signing. Choose your option and stay secured.

Enhanced Security is like Everytime when you login to CBOL in addition to your User Id and your IPIN, you will require an OTP to Login.

Will soon update the article on how to activate or deactivate international transaction usage on ICICI Credit Card, Axis Credit Card, Yes Bank credit Card, PNB Credit Card, Andhra Bank, Karnataka Bank, Karur Vysya Bank, Kotak Mahindra Bank, Lakshmi Vilas Bank, Allahabad Bank, Canara Bank and IDBI Bank.

Note: It took me almost 6 hours to write this article and I need to ask my friends to help me in checking other credit card bank accounts, kindly share this article and help others from protecting them fraudulent transactions, Cheers!!!

The post How to Disable or Enable International Transactions on Credit Card appeared first on TechAccent.

HDFC Bank IndianOil Credit Card Review

The main use of the card is for Fuel Benefits at all IndianOil outlets across India. Using the Card for everyday spends will earn you upto 50 Litres of Free fuel annually.

HDFC Bank IndianOil Credit Card Rewards

#1. Earn 5% of your spends as Fuel Points: When you fill fuel at IndianOil Outlets you earn 5% as Fuel Points.

You can earn only 250 Fuel Points in a month for the first 6 months, after that you earn 150 Fuel Points per month.

#2. On Groceries and Bill Payments you will earn 5% as Fuel points and only 100 Fuel Points per month on each category)

#3. For rest of all other purchases you earn 1 Fuel Point for every Rs. 150 spent.

Enjoy 1% Fuel Surcharge waiver (Up to Rs. 250 per statement cycle and min transaction value shoul be Rs.400)

Let’s see how to apply and who can apply?

How to Apply HDFC Bank IndianOil Credit Card

Visit, HDFC Bank website and go to credit card section find the IndianOil HDFC Bank Credit Card and apply on the given link.

Who can apply or Eligibily for IndianOil HDFC Bank Credit Card Eligibility:​​​​​​​

For Salaried Individuals:

Age: Min 21 yrs & Max 60 Yrs

Income: Monthly Income> should be greater than Rs 12,000

For Self-employed Individuals:

Age: Min 21 yrs & Max 65 Yrs

Income: ITR Filed should be greater than Rs 2 Lakhs per annum.

HDFC Bank IndianOil Credit Card Fees

Joining Fees for HDFC Bank IndianOil Credit Card is Rs 500.

Annual fees for Renewal is Rs 500 plus Applicable Taxes

Note: If you spend Rs 50,000 in a year then renewal fee will be waived off.

How to Redeem HDFC Bank IndianOil Credit Card Rewards?

The Fuel Points you earn can be redeemed towards IndianOil XTRAREWARDSTM Points (XRP).

You can Redeem XRP for free fuel at over 20,000 participating IndianOil Petrol Pumps in India.

Important: 1 Fuel Point is Equal to 3 XRP and 1 XRP equals to Rs 0.32

Which means 1 Fuel point equals to Rs 0.96

So if you have 1000 Fuel points then value is Rs 960.

Fuel Points Validity

HDFC Bank IndianOil Credit Card Fuel Points are valid for a period of 2 years.

You can also Redeem Fuel Points towards catalogue products through Netbanking and as CashBack on your IndianOil HDFC Bank Credit Card.

You also get 50 days of interest free period.

Important note:

On eWallet loading, Jewellery/gold coins, EMI Transactions you cannot earn any IndianOil HDFC Bank Credit Card Fuel points.

Is it worth taking HDFC Bank IndianOil Credit Card?

Final Verdict:

Going through features and rewards this card is useful for everyone, as everyone will fill fuel for Vehicles and spend grocery and Bill payments as well.

Let’s see below example:

Fuel per month: You spend Rs 4000 – You get 200 Fuel points which is equals to Rs 192 of fuel at IndianOil Outlets.

Grocery: You spend Rs 4000 – You get 200 Fuel points = Rs 192

Bill Payments (internet, DTH, Electricity etc.,): You spend Rs 4000 – You get 200 Fuel points = 192 Rs

Swiggy/Amazon/Flipkart/Online Shopping: You spend Rs 2000 – You get 14 Fuel Points = Rs 13 Fuel

Over all if you spend Rs 14,000 in a month you are getting Rs 589 worth of Free Fuel or 6 litres of Free Fuel per month.

and if Rs 14,000 every month then you spend Rs 1,68,000 in a year which means, Annual card fees will also be waived off.

This is first co-branded fuel credit card between HDFC Bank and IndianOil and mostly useful for users from non-metro cities and towns. By looking at the above rewards HDFC Bank IndianOil Credit Card #HDFCBankIOCLCard offers customers the highest rewards and benefits on fuel consumption.

HDFC Bank IndianOil Credit Card Rating

Our Rating: ⭐⭐⭐⭐/5

HDFC Bank IndianOil Credit Card is Powered by Rupay and Visa.

The post HDFC Bank IndianOil Credit Card Review How to Apply Card Redeem Rewards and Features Details appeared first on TechAccent.

Credit Card Against Fixed Deposit

Why credit card against Fixed/Term deposit?

You know many banks don’t issue credit cards to self employed Individuals, small business owners, persons with poor credit history, low cibil score or low income earners but, you can still get a credit card by using a bank FD fixed deposit.

Anyways let’s see the list below, and however the issuing bank sets a credit limit according to a percentage of the amount of the Fixed deposit FD amount, generally it will be 85% of FD amount.

Banks offering Credit Cards Against Fixed Deposit

Below are the best credit cards offered by banks against your Fixed Deposit or Term Deposit.

1. ICICI Bank FD Credit Card: ICICI Bank provides instant Credit Card with Fixed Deposit without any income documents. All you have to do is visit any nearest ICICI Bank branch or do FD online ICICI offers 3 variants of Credit Cards against Fixed Deposit.

The minimum Fixed Deposit FD amount should be Rs 10,000 and tenure of FD should be at least 180 days and FD Card to be opened in auto renewal mode only.

You can choose any of below credit card type against the FD.

ICICI Bank Instant Platinum Credit Card, ICICI Bank Coral Credit Card, ICICI Bank Rubyx Credit Card.

Apply Here – https://www.icicibank.com/Personal-Banking/account-deposit/fdxtra/fixed-deposit-card.page

2. Axis Bank Insta Easy Credit Card: Axis bank issues this Insta Easy Credit Card against your Fixed Deposit with Axis Bank, the credit card limit will be 80% of the FD value. One of the best feature is you can do cash withdrawals of upto 100%

Insta Easy Credit Card minimum FD value should be Rs 20,000 and maximum is Rs 25,00,000 and there is No Joining Fees or Annual Fees. Just visit any Axis branch open FD Get your credit card over-the-counter, with minimal documentation and guaranteed approval.

3. Kotak Mahindra Bank Aqua Gold Credit Card: This Aqua Gold Credit Card is one of the best interest free cash withdrawals, fuel surcharge waiver card.

Minimum Fixed deposit amount to open Aqua Gold Credit Card is Rs 25,000 and you get the credit limit up to 80% of your term deposit amount and this Credit Card has no joining fees and is free for lifetime. Just visit any Kotak mahindra branch and apply for credit card against FD.

4. SBI Advantage Plus Credit Card: You can avail this credit card by opening a Fixed Deposit with SBI just Fill in the SBI Advantage Plus Credit Card application form as well as the SBI Fixed Deposit form and submit in any State bank of India branch.

Minimum FD amount is Rs 25,000 and you get 80% of credit limit on your FD and up to 100% cash withdraw limit with No Joining fees and yearly Rs 500 annual fee.

5. YES Prosperity Rewards Plus Credit Card: This card can be applied either directly or against fixed deposit, just visit nearest YES BANK branch and apply. Minimum amount of Fixed deposit value should be Rs 30,000.

6. Bank of Baroda Assure Credit Card: You can get this credit card without any income proof and against your Fixed Deposit, the best thing about this card is Free 3 Add-on cards, Zero fuel surcharge and Zero annual fees card if you spent Rs 35,000 in a year. Cash withdrawal up to 100% of your Credit Limit in case of emergency

Minimum amount of Fixed deposit value is Rs 25,000 and you get 80% of credit card limit on your FD value. Spend Rs 6,000 within 60 days and Rs 35,000 in a year for reversal/waiver of annual fees

Note: We Will continue to update this article whenever a bank issues a credit card against fixed deposit.

The post List of Banks Offering Credit Card Against Fixed Deposit appeared first on TechAccent.

HDFC Credit Card OTP By SMS

You need to perform below step from the Registered mobile number which is linked to your HDFC Credit Card.

9717465555

Please use this Password on the IVR/Website when prompted for the Password while performing Online transactions.

To request a new OTP for your HDFC Credit Card online transaction send a sms as below to 09717465555.

Format: PWD XXXX (where XXXX is the last 4 digits of your Credit Card number)

Example: PWD 1210 and send sms to +919717465555

You can also send above sms to 5676712

Note: Premium SMS charges will be applicable when you send a sms to 5676712 i.e., Rs 3 per sms and sms sent to 9717465555 will be mostly free.

PS: All the newly requested OTPs will be valid only for 10 minutes.

The post Now Get HDFC Credit Card OTP By Sending SMS to 9717465555 appeared first on TechAccent.

Kotak Credit Card Missed Call Number

Give a missed call to 1800 274 0330 and know your Kotak Credit Card updates instantly.

By using the Kotak Credit Card Missed call service you can details like below.

1. Know your Kotak Credit card Available Credit limit.

2. Credit Card total outstanding

3. Amount Due As On last statement

4. Minimum Amount Due As On last statement

5. Last Credit card paid Received Date and amount

6. Credit Card amonunt due date

7. Any Remaining Outstanding.

Note: Kotak Mahindra Credit Card Missed Call Number 18002740330 Service is free of charge for Kotak customers.

The post Kotak Mahindra Bank Credit Card Missed Call Number Service appeared first on TechAccent.

Central Bank of India Credit Card Missed Call Service

To use CBI missed call service you need to give a missed from your registered mobile number associated with your credit card.

9223512345

CBI Credit Card Missed Call Number

Dial and give a missed call to 9223512345, call automatically disconnects.

And you will receive an Outbound call (OBD-IVR) to your mobile number. Answer the call an IVR will be played with below options.

Press 1 for Amount due and Due Date.

Press 2 for Last 5 Transactions.

Press 3 for Unbilled amount.

Note: Missed call facility is free of charge.

The post Central Bank of India Credit Card Missed Call Service Details appeared first on TechAccent.