Avantika - Answers

To get a ₹1500 Amazon voucher from an HDFC credit card, you need to check if there’s an ongoing offer. HDFC often runs promotions where you earn vouchers after spending a certain amount or using specific cards.

Steps:

1. Log in to your HDFC NetBanking or Mobile Banking app.

2. Check the Offers section to see if there’s a ₹1500 Amazon voucher promotion.

3. Follow the terms, like spending a required amount within a set period.

4. After meeting the criteria, you’ll get the voucher via email or SMS.

If unsure, call HDFC customer care for more details.

To check your AU Bank credit card status, you can follow these steps:

1. Visit the AU Bank Website: Go to their official website and look for the “Credit Card” section. There’s usually an option to track your application.

2. Use the Mobile App: If AU Bank has a mobile app, you can log in and check your application status under the credit card section.

3. Call Customer Care: Contact AU Bank’s customer care helpline. They will ask for your application number or registered mobile number and provide you with the status.

4. Check via SMS: Some banks allow you to check by sending an SMS with your application details. You can confirm if this is an option by visiting their website or asking customer care.

5. Visit the Branch: If you’re nearby, you can visit the bank and ask for the status in person. Bring your application number and ID proof.

A memo debit on your SBI Card means a temporary or provisional charge. It shows up when the bank has recorded a transaction but hasn’t fully processed it yet. For example, if you make a payment or a purchase, the bank may mark it as a memo debit until the final amount is confirmed and officially posted to your account.

Think of it as a “placeholder” that lets you see the pending transaction. Once the bank processes everything, it will either convert to a permanent charge or be adjusted if there’s any change.

RBL (Ratnakar Bank Limited) is not as big as some of the largest banks in India, like State Bank of India or HDFC. However, it has grown significantly over the years and is considered a mid-sized private sector bank. RBL offers various banking services, including personal banking, business banking, and loans. It operates in many parts of India, and its size has increased through mergers and expansions, but it’s still smaller compared to the biggest players in the industry.

To convert your RBL (Ratnakar Bank) credit card to cash, you can use the following options:

1. Cash Advance from ATM: You can withdraw cash from an ATM using your RBL credit card, just like a debit card. However, this comes with high fees and interest rates, so it’s not the best option unless it’s urgent.

2. Via Credit Card to Bank Transfer: Some platforms or services allow you to transfer the credit card limit to your bank account. You would need to check with RBL Bank or third-party services to see if this option is available and if there are any charges involved.

3. Third-Party Payment Services: There are services or apps that allow you to pay bills, shop, or transfer money using your credit card and then access the equivalent value in cash. Make sure to understand any extra fees involved.

4. Personal Loan (if applicable): If you have an RBL credit card, you may also qualify for a personal loan or cash loan against the credit card limit, but this would depend on the bank’s terms.

Remember that withdrawing cash through any method from your credit card usually involves higher interest rates, fees, and charges, so use it wisely!