Tag: yatra

  • Why the HDFC-Swiggy card is about loyalty, not rewards

    Co-branded playing cards promote spending, but in addition provide nice rewards and advantages geared toward making certain model loyalty amongst clients. To make certain, additionally they include their very own set of issues. Take for example, the HDFC-Swiggy bank card, which can be utilized for ordering meals, groceries and extra. A letter, accompanying the cardboard and signed by Swiggy’s co-founder and a senior official from HDFC Bank, lists the assorted options of the cardboard however fails to say all of the exemptions — till one digs out the phrases and circumstances. Swiggy, nonetheless, insists that customers can name HDFC Bank to seek out out the up to date record of exclusions.

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    Graphic: Mint

    The entry-level bank card boasts of 10% cashback on Swiggy meals orders and Instamart orders (groceries, home items, electronics), apart from utilizing it for Genie companies (hyperlocal supply of things from one level to a different), and DineOut (which permits customers to make bookings at eating places), each through the app. This cashback reward programme, although, has been a bone of competition between dissatisfied customers and the meals supply app. For one, it’s deposited as Swiggy Money within the person’s Swiggy account and may solely be redeemed on its app.

    Spends on the cardboard made on meals orders or DineOut are randomly categorized underneath ‘Bundl Technologies’, Swiggy’s guardian firm. Shockingly, customers obtain solely a nominal 1% cashback on these orders, as a substitute of the promised 10%.

    Features and caveats

    An applicant must be no less than 21 years previous with a month-to-month earnings of ₹25,000. The self-employed must furnish a duplicate of their earnings tax return, with earnings of no less than ₹6 lakh within the earlier monetary yr. The becoming a member of charge is ₹500, which is waived off on annual spends of ₹2 lakh.

    The complete cashback for bills originating on Swiggy is capped at ₹1,500 per thirty days. This implies that after spending ₹15,000 a month on Swiggy with the HDFC card, a person is just not eligible for additional cashback advantages.

    The Swiggy card additionally gives 5% cashback on e-commerce spends and 1% for all the pieces else. These, too, are capped at ₹1,500 and ₹500, respectively, per thirty days. As a welcome bonus, the meals supply app additionally provides its customers a 3-month membership of Swiggy One for ₹1,299. Users who go for this get reductions on meals orders or deliveries.

    As for on-line spends, Swiggy’s app has a piece that shows logos of e-commerce websites Amazon, Myntra, and Nykaa, journey hailing app Ola, apart from on-line pharmacy 1mg, and film ticketing app BookMyShow, nudging customers to spend on these platforms. Yet, neither Swiggy nor HDFC mentions these names anyplace in its phrases and circumstances.

    The redressal mechanism

    As is the case with essentially the most firms, grievance redressal is a serious difficulty with the cardboard. Swiggy’s app doesn’t enable a person to boost any dispute associated to bank card billing, whereas HDFC’s helpline will get disconnected 4 out of the 5 instances when contacted. Some customers, who lastly obtained by way of to an government, have been requested to ship emails to resolve the difficulty.

    Many customers complain in regards to the difficulties in getting a card, regardless of being eligible for one. Syed Abrar Ahamed, a 24 year-old entrepreneur dealing in {hardware} from Kolkata, stated he utilized for the cardboard since he ceaselessly transacts on Swiggy. “As against different apps, I can order principally all the pieces on Swiggy. Food, groceries, and even medicines on Genie. And in contrast to Zomato, it’s all out there on one app,” Ahamed stated.

    Calling Swiggy a “one-stop store” for all ordering wants, Ahamed stated he would transact on Swiggy no less than 5 instances every week, and was inspired to use for this bank card. Despite the cap on rewards, he was assured he might handle his spends higher .

    Ahamed confronted points even whereas making use of for the bank card. This was regardless of Swiggy mentioning that customers might apply for this card even when they’ve one other HDFC bank card. The lender, nonetheless, informed him that he was ineligible to obtain it as a result of he already had considered one of its different playing cards. After watching some movies by finfluencers on YouTube, Ahamed discovered a technique to attain out to the shopper care government on the financial institution. Soon after, he was issued with the cardboard.

    But that was not the top of it. Ahamed was unable to hyperlink his new card to the Swiggy app, disqualifying him for the ten% cashback. HDFC’s buyer assist directed him to Swiggy; regardless of repeated calls and mails, Ahamed nonetheless hasn’t been in a position to hyperlink his card.

    Another person, Surya Mathur, stated he, too, has additionally not been in a position to hyperlink his card to the app.“The whole course of is sort of complicated. First I used to be informed it (the appliance for the bank card) was rejected, after which abruptly I obtained the cardboard. But now I can’t hyperlink it (on the app), so it’s ineffective,” stated Mathur, a resident of Pune who has written to Swiggy’s buyer assist and is awaiting a response.

    In response to Mint’s queries, the companies admitted to the complaints raised by customers. In a joint assertion issued on behalf of each companies, a spokesperson for Swiggy stated: “Swiggy HDFC Bank Credit card continues to scale this system to each Swiggy & HDFC Bank customers, for the reason that launch of the co-branded bank card two months in the past. We are excited by the constructive suggestions and the worth which, the cardboard permits for our clients. The difficulty with cashbacks was recognized within the early weeks of the launch and has been resolved for transactions transferring ahead. The platforms throughout which the 5% money again is accessible, embody Myntra, Nykaa, Amazon, Flipkart , Ola, Netmeds and plenty of extra”.

    The rival expertise

    Currently, the HDFC-Swiggy card is the one plastic out there that gives above-average rewards for ordering by way of a meals supply app. Swiggy’s primary rival, Zomato, had a short-lived tie-up with RBL Bank that launched with lots of related options, which have been slowly devalued over time.

    RBL’s Zomato Edition card provided limitless 5% cashback on the Zomato app and on any transaction at a restaurant. It additionally gave you 10% cashback in your birthday spends. Like Swiggy, Zomato’s cashback was credited solely within the Zomato pockets— but it surely was credited immediately, versus the once-a-month cycle that HDFC-Swiggy follows. To make certain, RBL modified this later, solely crediting it as soon as, solely after the month-to-month invoice was generated.

    The cashback was capped at ₹500 a day, and the ten% slab for birthday spends was discontinued as nicely. Ultimately, the cardboard was discontinued in April this yr.

    When it was first launched, customers have been fairly enthusiastic in regards to the Swiggy bank card. However, many customers have been disenchanted with the low cap on rewards and the shortage of readability on the character of spends eligible for the cashback programme. The largest difficulty for customers was that the promised 10% cashback didn’t materialize. Customer care has been one other sore level.

    These points usually are not restricted to the Swiggy card, however plague different co-branded playing cards as nicely. However, past these points, the HDFC-Swiggy card is basically useful, particularly for many who use Swiggy for each meals and grocery deliveries repeatedly. If the Bundl Technologies difficulty is resolved, the cardboard turns into a extra enticing proposition.

  • Tale of poll-bound MP: BJP & Congress interact in warfare of yatras to achieve voters

    By Express News Service

    BHOPAL: Eyeing to return to energy almost three years after its 15-month-long authorities collapsed below the load of its personal disgruntled MLAs, opposition Congress launched seven ‘Jan Akrosh Yatras’ within the meeting poll-bound Madhya Pradesh on Tuesday.

    The seven Yatras which can journey 11,400 kms whereas masking all 230 meeting segments in 15 days are being led by seven senior leaders, together with present and former chief of oppositions, former state get together chiefs, former union ministers and ex-MP ministers.

    At a time when the ruling BJP has been attacking the opposition’s INDIA bloc, notably the Congress, over the DMK and Congress leaders anti-Sanatan Dharma comment, all of the seven Jan Akrosh Yatras of the grand previous get together began on the Hindu competition of Ganesh Chaturthi.

    Importantly, all of the seven senior Congress leaders, together with LoP Dr Govind Singh, former LoP Ajay Singh ‘Rahul,’ former union ministers Arun Yadav began the Yatras after providing prayers at distinguished Hindu temples in numerous components of the state, state Congress’s media advisor Piyush Babele advised this newspaper.

    While the Congress began its 11,400 km Yatras on Tuesday, the ruling BJP’s 10,500-plus km lengthy 5 Jan Ashirwad Yatras are approaching their final stretch. Just a day after Assam CM Himanta Biswa Sarma had in one of many Yatras, requested PM Narendra Modi to ship Congress’s Gandhi household to the moon by the Chandrayan, Uttarakhand CM Pushkar Singh Dhami participated the Yatra in Sagar district of Bundelkhand area.

    In Betul district, in the meantime, ex-Jharkhand CM Babulal Marandi shaped a part of the BJP’s Yatra, accusing the Congress of treating the tribal simply as vote financial institution. “Despite ruling for decades, the Congress has seen tribals as vote banks, while the BJP has worked for their welfare,” he mentioned.

    BHOPAL: Eyeing to return to energy almost three years after its 15-month-long authorities collapsed below the load of its personal disgruntled MLAs, opposition Congress launched seven ‘Jan Akrosh Yatras’ within the meeting poll-bound Madhya Pradesh on Tuesday.

    The seven Yatras which can journey 11,400 kms whereas masking all 230 meeting segments in 15 days are being led by seven senior leaders, together with present and former chief of oppositions, former state get together chiefs, former union ministers and ex-MP ministers.

    At a time when the ruling BJP has been attacking the opposition’s INDIA bloc, notably the Congress, over the DMK and Congress leaders anti-Sanatan Dharma comment, all of the seven Jan Akrosh Yatras of the grand previous get together began on the Hindu competition of Ganesh Chaturthi.googletag.cmd.push(perform() googletag.show(‘div-gpt-ad-8052921-2’); );

    Importantly, all of the seven senior Congress leaders, together with LoP Dr Govind Singh, former LoP Ajay Singh ‘Rahul,’ former union ministers Arun Yadav began the Yatras after providing prayers at distinguished Hindu temples in numerous components of the state, state Congress’s media advisor Piyush Babele advised this newspaper.

    While the Congress began its 11,400 km Yatras on Tuesday, the ruling BJP’s 10,500-plus km lengthy 5 Jan Ashirwad Yatras are approaching their final stretch. Just a day after Assam CM Himanta Biswa Sarma had in one of many Yatras, requested PM Narendra Modi to ship Congress’s Gandhi household to the moon by the Chandrayan, Uttarakhand CM Pushkar Singh Dhami participated the Yatra in Sagar district of Bundelkhand area.

    In Betul district, in the meantime, ex-Jharkhand CM Babulal Marandi shaped a part of the BJP’s Yatra, accusing the Congress of treating the tribal simply as vote financial institution. “Despite ruling for decades, the Congress has seen tribals as vote banks, while the BJP has worked for their welfare,” he mentioned.

  • CPI-M says no to Bharat Jodo Yatra

    Thiruvananthapuram, Jan 20: The CPI-M on Friday mentioned that it’ll not participate within the concluding occasions of Rahul Gandhi-led Bharat Jodo Yatra in Kashmir.

    However as per reviews, it is going to maintain a mixed rally in Tripura, which matches to the polls subsequent month.

    The CPI-M has determined to duck the concluding celebrations of the Yatra as a result of when it started in September from Kanyakumari and reached Kerala, it was not given sufficient significance and that is now being touted as the explanation for not participating in Kashmir.

    However, the CPI will participate within the occasion in Kashmir.

    For the CPI-M, Kerala is their final bastion after being worn out from West Bengal, the place they dominated for over three many years and in Tripura additionally, they now stay on previous glory.

    A media critic mentioned the CPI-M nationwide management simply can’t ignore the emotions of the Kerala unit, as right here the CPI-M and Congress are the standard rivals.

    “So it’s quite natural for such things to happen. Just see, next door in Tamil Nadu, the CPI-M and Congress are together in the DMK-led political alliance. Gone are the days when the CPI-M could survive on their own as they had West Bengal and Tripura in their kitty, and now they no longer are the force what they were. Hence in politics, all such alliances of convenience happen,” mentioned the critic.

    CPI-M says no to Bharat Jodo Yatra IANS 20 January 2023 Post Your Comments

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  • Kerala Region of Latin Catholic Council begins yatra in solidarity with Vizhinjam protest

    Kochi, September 14: Kerala area of the Latin Catholic Council (KRLCC) began a ‘Janabodhana Yatra’ from Moolambilly in Ernakulam district to Vizhinjam in Thiruvananthapuram district on Monday. This is a part of a solidarity protest towards the fishermen who’re protesting at Vizhinjam towards the Adani port. The fishermen at Vizhinjam additionally demanded rehabilitation.

    The yatra will attain Vizhinjam on the 18th of this month.

    Tomorrow, the Yatra will lead by the Kochi archdiocese within the Kochi space. On September 16, it can lead by the Alappuzha archdiocese within the Alappuzha district. On September 17, the Kollam archdiocese, and on September 18, the Thiruvananthapuram archdiocese will lead the yatra in Kollam and Thiruvananthapuram districts respectively.

    Fr. Mathew Kallingal, Vicar of Verapoly archdiocese instructed ANI, “This journey will reach its goal by overcoming all the difficulties. In Vizhinjam, we will fly the flag of victory. Failure is irrelevant here.”

    Kerala Region of Latin Catholic Council begins yatra in solidarity with Vizhinjam protest ANI 15 September 2022 Post Your Comments Shared Recently! Road Safety World Series: India Legends match towards West Indies deserted resulting from rain
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