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Any RuPay LTF credit cards that I can get?

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raghupro

Hi Dimers,

Any good RuPay LTF credit cards that I can get? What are the best options available out there?

Thanks in advance!

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bikidas2060 wrote:

Bhai don't take anything. Because, you are in peace. Btw, BOB's customer service ist schlecht. Your application ll be under process for months. Just imagine if you encounter any problems who gonna help you out! https://www.desidime.com/discussions/bob-credit... check the comments. As long as rupay does not improve its customer service there is no point in getting one of em credit cards. Debit card is fine. People say BOB takes 3-4 days to reply useless things. I am not against rupay. Consumers are enthusiastic about rupay it's just the staffs ain't. 🙂🙂🙂 I have only union platinum rupay debit card. 

What's wrong with RuPay customer service ?

If you don't use the card then how can they improve their service.

10 years back, Visa/mastercard also gave worst service.

It took 30 years to improve Visa/MasterCard services, American ne pura sath diya tha.

Sametime pe Europe k various countries, Israel, UK and few others ne bhi apne Credit card companies utare the. 30 to 40 years me sab k sab bik gaye.

Total 30+ Credit card companies shut down ho gaye tha ya Visa card ne acquire kar liya because unlogo ne Americans ki tarah support nahi kiya apne companies ko.

Former NPCI CEO ne khud kaha tha ekbar RuPay card e-com launch k time, customers ko support karna hoga tab ja kar RuPay card expand karega, services improve hoga.
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bikidas2060 wrote:

What's wrong with Rupay service?

Willing customers n unwilling officials.


RuPay customer support is good. Everything takes some time. You guys dnt have patience.

Visa/mastercard is small company, only transaction shares and market share in India is huge, approx 99% on credit card.

But visa/master deal with very few banks, technology service provider, acquire banks etc.

Also visa/mastercard is also open source, any payments gateways, merchants can join the network.

now in case of RuPay. 1200+ banks launch RuPay cards.

RuPay card launch 10 years ago, if single bank launch 3 different variant RuPay cards then per day RuPay card launch 1 debit cards

And if im not wrong, mujhe toh lagta ha RuPay per day 2-3 card launch karta hoga.

now come to interesting part -

NPCI/RuPay also help our Indian small companies to grow.

Bahot se chote chote Indian technology service provider companies, EMV chip manufacturer ha jo RuPay k sath kam krta ha and baad me visa/mastercard k sath kam krne layak banata hai.

visa/mastercard small Indian companies ko help nhi krte hai.

Zeta iska best example hai, jo aaj itne bade company ho gaya ki HDFC ka 50% card transaction zeta krta ha + foreign me bhi Zeta ki services ha ab, suruwati dino me NPCI/RuPay ne bahot support diya tha.

Now isse ek negative side ka bhi samna karna parta ha.

Agar RuPay me koi problem aata ha toh usko 100s of companies k sath baat krna parta ha uska solution k liye. Jaise abhi amazon add money offer me aaya.

Same agar visa/mastercard me koi prblm aata ha woh just 10-15 companies k sath he deal krta ha. Turant solve ho jate ha + visa/mastercard ko 60 years k experience bhi hai.

Last thing, RuPay ka network ko join and merchant ko RuPay support karne k liye. RuPay k sath agreement karna parta ha, especially bade merchants ko. Isiliye har merchants easily RuPay card accept nahi kar pata ha.

NPCI ko Digital India ka backbone kaha jata hai. Woh isiliye ha kyunki 1000s of small, medium, big Indian companies k sath sirf NPCI kam nahi karta, un companies ko ish layak banata ha ki pure duniya me ekdin India ka naam roshan kare.

visa/mastercard ko sirf profit se mtlb ha, bade banks ko pakarte ha, bade foreign companies ko India me la kar unhi ko contract de kar khud toh foreign reserve le jate ha, sath me dusre foreign companies ka bhi profit karwa k foreign reserve le jate ha.

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I think you can get BOB rupay CC for LTF.

If you have HDFC cards you may change MC/Visa to Rupay (Regalia, Moneyback)

If you have SBI cc, you may change from Visa to Rupay.

Tagging expert @abhishek012 for further guidance 

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I think you can get BOB rupay CC for LTF.

If you have HDFC cards you may change MC/Visa to Rupay (Regalia, Moneyback)

If you have SBI cc, you may change from Visa to Rupay.

Tagging expert @abhishek012 for further guidance 

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wackophant wrote:

I think you can get BOB rupay CC for LTF.

If you have HDFC cards you may change MC/Visa to Rupay (Regalia, Moneyback)

If you have SBI cc, you may change from Visa to Rupay.

Tagging expert @abhishek012 for further guidance 

Thanks for the response. Let me look into BoB.

I have no HDFC cards, always get rejected. No SBI either as they are not LTF for the ones offered to me 


any clue which BoB LTF is good?

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raghupro wrote:

Thanks for the response. Let me look into BoB.

I have no HDFC cards, always get rejected. No SBI either as they are not LTF for the ones offered to me 


any clue which BoB LTF is good?

Go for rupay premier... Its 2nd most premium card of bob.... Even if u get easy or select...or visa premier Just after getting the physical card... Mail to [email protected] to convert to rupay premier 

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raghupro wrote:

Thanks for the response. Let me look into BoB.

I have no HDFC cards, always get rejected. No SBI either as they are not LTF for the ones offered to me 


any clue which BoB LTF is good?

Try BOB LTF card (BOB Easy and Premier available) Conversion Visa to RuPay. 

HDFC bank change Visa to RuPay if you have Regalia, Moneyback+, Indianoil & Freedom new card.

SBI Simplysave, IRCTC and BPCL Platinum available on RuPay.

LIC IDBI LTF RuPay Credit card available.

Paisabazaar also offer FD based RuPay Credit card started at Rs2000 FD.

Yes bank, Federal bank, ICICI RuPay Coral credit card available.

Other PSU banks offer LTF RuPay credit card.
Hunk Hunk
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Bhai don't take anything. Because, you are in peace. Btw, BOB's customer service ist schlecht. Your application ll be under process for months. Just imagine if you encounter any problems who gonna help you out! https://www.desidime.com/discussions/bob-credit... check the comments. As long as rupay does not improve its customer service there is no point in getting one of em credit cards. Debit card is fine. People say BOB takes 3-4 days to reply useless things. I am not against rupay. Consumers are enthusiastic about rupay it's just the staffs ain't. 🙂🙂🙂 I have only union platinum rupay debit card. 

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bikidas2060 wrote:

Bhai don't take anything. Because, you are in peace. Btw, BOB's customer service ist schlecht. Your application ll be under process for months. Just imagine if you encounter any problems who gonna help you out! https://www.desidime.com/discussions/bob-credit... check the comments. As long as rupay does not improve its customer service there is no point in getting one of em credit cards. Debit card is fine. People say BOB takes 3-4 days to reply useless things. I am not against rupay. Consumers are enthusiastic about rupay it's just the staffs ain't. 🙂🙂🙂 I have only union platinum rupay debit card. 

Now I am in two minds if I have to get the card or not. Applied and awaiting KYC. 

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bikidas2060 wrote:

Bhai don't take anything. Because, you are in peace. Btw, BOB's customer service ist schlecht. Your application ll be under process for months. Just imagine if you encounter any problems who gonna help you out! https://www.desidime.com/discussions/bob-credit... check the comments. As long as rupay does not improve its customer service there is no point in getting one of em credit cards. Debit card is fine. People say BOB takes 3-4 days to reply useless things. I am not against rupay. Consumers are enthusiastic about rupay it's just the staffs ain't. 🙂🙂🙂 I have only union platinum rupay debit card. 

What's wrong with RuPay customer service ?

If you don't use the card then how can they improve their service.

10 years back, Visa/mastercard also gave worst service.

It took 30 years to improve Visa/MasterCard services, American ne pura sath diya tha.

Sametime pe Europe k various countries, Israel, UK and few others ne bhi apne Credit card companies utare the. 30 to 40 years me sab k sab bik gaye.

Total 30+ Credit card companies shut down ho gaye tha ya Visa card ne acquire kar liya because unlogo ne Americans ki tarah support nahi kiya apne companies ko.

Former NPCI CEO ne khud kaha tha ekbar RuPay card e-com launch k time, customers ko support karna hoga tab ja kar RuPay card expand karega, services improve hoga.
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raghupro wrote:

Now I am in two minds if I have to get the card or not. Applied and awaiting KYC. 

BOB takes some time to issue the card.

Some users got within 15 days and maximum time 90 days.
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abhishek012 wrote:
Try BOB LTF card (BOB Easy and Premier available) Conversion Visa to RuPay. 

HDFC bank change Visa to RuPay if you have Regalia, Moneyback+, Indianoil & Freedom new card.

SBI Simplysave, IRCTC and BPCL Platinum available on RuPay.

LIC IDBI LTF RuPay Credit card available.

Paisabazaar also offer FD based RuPay Credit card started at Rs2000 FD.

Yes bank, Federal bank, ICICI RuPay Coral credit card available.

Other PSU banks offer LTF RuPay credit card.
Can I get VISA ICICI Coral converted to RuPay?
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Apply for yes bank cc..ltf.prosperity reward plus variant gives you rupay platinum .. 
Hunk Hunk
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abhishek012 wrote:
What's wrong with RuPay customer service ?

If you don't use the card then how can they improve their service.

10 years back, Visa/mastercard also gave worst service.

It took 30 years to improve Visa/MasterCard services, American ne pura sath diya tha.

Sametime pe Europe k various countries, Israel, UK and few others ne bhi apne Credit card companies utare the. 30 to 40 years me sab k sab bik gaye.

Total 30+ Credit card companies shut down ho gaye tha ya Visa card ne acquire kar liya because unlogo ne Americans ki tarah support nahi kiya apne companies ko.

Former NPCI CEO ne khud kaha tha ekbar RuPay card e-com launch k time, customers ko support karna hoga tab ja kar RuPay card expand karega, services improve hoga.

What's wrong with Rupay service?

Willing customers n unwilling officials.


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raghupro wrote:

Now I am in two minds if I have to get the card or not. Applied and awaiting KYC. 

Bhai then don't use for serious transactions. If things get messy then nobody ll help you out. 🙂 

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neehesh wrote:
Bro, is discount getting applied for BPCL SBI card rupay variant during sales?

SBI Simplysave RuPay and SBI IRCTC RuPay discount working on all sites.

SBI BPCL only Amazon site discount is not working. Flipkart and other site discount working

Dnt knw what's the problem with SBI BPCL RuPay variant on Amazon. I think Amazon still not updated BPCL RuPay BIN on SBI Card offers.

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bikidas2060 wrote:

What's wrong with Rupay service?

Willing customers n unwilling officials.


RuPay customer support is good. Everything takes some time. You guys dnt have patience.

Visa/mastercard is small company, only transaction shares and market share in India is huge, approx 99% on credit card.

But visa/master deal with very few banks, technology service provider, acquire banks etc.

Also visa/mastercard is also open source, any payments gateways, merchants can join the network.

now in case of RuPay. 1200+ banks launch RuPay cards.

RuPay card launch 10 years ago, if single bank launch 3 different variant RuPay cards then per day RuPay card launch 1 debit cards

And if im not wrong, mujhe toh lagta ha RuPay per day 2-3 card launch karta hoga.

now come to interesting part -

NPCI/RuPay also help our Indian small companies to grow.

Bahot se chote chote Indian technology service provider companies, EMV chip manufacturer ha jo RuPay k sath kam krta ha and baad me visa/mastercard k sath kam krne layak banata hai.

visa/mastercard small Indian companies ko help nhi krte hai.

Zeta iska best example hai, jo aaj itne bade company ho gaya ki HDFC ka 50% card transaction zeta krta ha + foreign me bhi Zeta ki services ha ab, suruwati dino me NPCI/RuPay ne bahot support diya tha.

Now isse ek negative side ka bhi samna karna parta ha.

Agar RuPay me koi problem aata ha toh usko 100s of companies k sath baat krna parta ha uska solution k liye. Jaise abhi amazon add money offer me aaya.

Same agar visa/mastercard me koi prblm aata ha woh just 10-15 companies k sath he deal krta ha. Turant solve ho jate ha + visa/mastercard ko 60 years k experience bhi hai.

Last thing, RuPay ka network ko join and merchant ko RuPay support karne k liye. RuPay k sath agreement karna parta ha, especially bade merchants ko. Isiliye har merchants easily RuPay card accept nahi kar pata ha.

NPCI ko Digital India ka backbone kaha jata hai. Woh isiliye ha kyunki 1000s of small, medium, big Indian companies k sath sirf NPCI kam nahi karta, un companies ko ish layak banata ha ki pure duniya me ekdin India ka naam roshan kare.

visa/mastercard ko sirf profit se mtlb ha, bade banks ko pakarte ha, bade foreign companies ko India me la kar unhi ko contract de kar khud toh foreign reserve le jate ha, sath me dusre foreign companies ka bhi profit karwa k foreign reserve le jate ha.

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wackophant wrote:

I think you can get BOB rupay CC for LTF.

If you have HDFC cards you may change MC/Visa to Rupay (Regalia, Moneyback)

If you have SBI cc, you may change from Visa to Rupay.

Tagging expert @abhishek012 for further guidance 

HDFC regalia rupay has same benefits like MC/Visa card?
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myfungang829 wrote:
HDFC regalia rupay has same benefits like MC/Visa card?
Yes, Same card. So, same benefit. Only card network is different.

You can also use RuPay credit card offers as well as HDFC bank offers.
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bikidas2060 wrote:

What's wrong with Rupay service?

Willing customers n unwilling officials.


dont know wat r u talking abt,using bob rupay card since 2 months,dint faced problem ever from rupay side.
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binod_babu wrote:
dont know wat r u talking abt,using bob rupay card since 2 months,dint faced problem ever from rupay side.

Problem honeke baad pata chalega. 🙂

Hunk Hunk
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abhishek012 wrote:

RuPay customer support is good. Everything takes some time. You guys dnt have patience.

Visa/mastercard is small company, only transaction shares and market share in India is huge, approx 99% on credit card.

But visa/master deal with very few banks, technology service provider, acquire banks etc.

Also visa/mastercard is also open source, any payments gateways, merchants can join the network.

now in case of RuPay. 1200+ banks launch RuPay cards.

RuPay card launch 10 years ago, if single bank launch 3 different variant RuPay cards then per day RuPay card launch 1 debit cards

And if im not wrong, mujhe toh lagta ha RuPay per day 2-3 card launch karta hoga.

now come to interesting part -

NPCI/RuPay also help our Indian small companies to grow.

Bahot se chote chote Indian technology service provider companies, EMV chip manufacturer ha jo RuPay k sath kam krta ha and baad me visa/mastercard k sath kam krne layak banata hai.

visa/mastercard small Indian companies ko help nhi krte hai.

Zeta iska best example hai, jo aaj itne bade company ho gaya ki HDFC ka 50% card transaction zeta krta ha + foreign me bhi Zeta ki services ha ab, suruwati dino me NPCI/RuPay ne bahot support diya tha.

Now isse ek negative side ka bhi samna karna parta ha.

Agar RuPay me koi problem aata ha toh usko 100s of companies k sath baat krna parta ha uska solution k liye. Jaise abhi amazon add money offer me aaya.

Same agar visa/mastercard me koi prblm aata ha woh just 10-15 companies k sath he deal krta ha. Turant solve ho jate ha + visa/mastercard ko 60 years k experience bhi hai.

Last thing, RuPay ka network ko join and merchant ko RuPay support karne k liye. RuPay k sath agreement karna parta ha, especially bade merchants ko. Isiliye har merchants easily RuPay card accept nahi kar pata ha.

NPCI ko Digital India ka backbone kaha jata hai. Woh isiliye ha kyunki 1000s of small, medium, big Indian companies k sath sirf NPCI kam nahi karta, un companies ko ish layak banata ha ki pure duniya me ekdin India ka naam roshan kare.

visa/mastercard ko sirf profit se mtlb ha, bade banks ko pakarte ha, bade foreign companies ko India me la kar unhi ko contract de kar khud toh foreign reserve le jate ha, sath me dusre foreign companies ka bhi profit karwa k foreign reserve le jate ha.

UPI, Rupay debit cards are doing well. Dikkat hai banks me. Bade banks kaa rupay lene me koi dikkat ni hoga. Psu bank ke credit card support team ache nai hain. Wahi dikkat hai. Aur dikkat bureaucracy me bhi hai. I hope they are not inserting unnecessary bureaucracy in rupay. Aur bhai technology etc saab agey badh gaya hai n agar govt n rupay chahe toh drastic changes la sakte hain. I ll hope for the best. 

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abhishek012 wrote:
Yes, Same card. So, same benefit. Only card network is different.

You can also use RuPay credit card offers as well as HDFC bank offers.
And lounge access?
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bikidas2060 wrote:

UPI, Rupay debit cards are doing well. Dikkat hai banks me. Bade banks kaa rupay lene me koi dikkat ni hoga. Psu bank ke credit card support team ache nai hain. Wahi dikkat hai. Aur dikkat bureaucracy me bhi hai. I hope they are not inserting unnecessary bureaucracy in rupay. Aur bhai technology etc saab agey badh gaya hai n agar govt n rupay chahe toh drastic changes la sakte hain. I ll hope for the best. 

Technology chahe kitna bhi aage badh jaye.

Agar koi technology zero se start kar rahe ho toh kuch decades lagte hai.

Kyunki physics, engineering, economy k kuch rules hote ha tum usko break nahi kar sakte ho.

Koi bhi bade merchants, pos machines, card companies etc fatafat koi chiz ko rollout nahi kar sakta hai.

Aur hamesa yaad rakhna, koi bhi chiz ka Generation 1 kharab nikalta hai, logo se feedback le kar Gen. 2 pe aate hai. Gen. 3 k baad kaha jada ha koi bhi technology better ho jata hai.

RuPay abhi just 2.0 me enter kiya hai. Officially yeh announced kiya hai RuPay 2.0 ko.

Koi bhi chiz ek office me baith k test karna bahot easy ha. Real life me jab launch hote ha toh 1000 problems aate ha usko solve karne karte decades lag jata hai aur yeh wohi time ha jab customers k support ka jarurt parta ha.

Ajtak India silicon chip, lithium-ion battery, aircraft engine, Railway engine khud ka, rocket engine etc kyun nahi bana paya ha ? 

Kyunki DRDO ka chief ho, ISRO k chief ho ya Indian railways ho ya koi Indian silicon chip banane wali company ho.

Indians ko lagta ha ki technology aage badh gaya ha toh hum latest generation ka kuch bhi bana denge. Aur yehi soch k chalte last me failed ho jata hai.

Aur last thing, Yeh marketing walo se durr raho. Jo batate hai na yeh battery la denge duniya badal jayega. Yeh technology aa gaya toh duniya badal jayega.

Par khud socho, yeh sab chize humlog pichle 10 years se sunte aa rahe ha but aaya kyun nahi ? kyunki woh sab bas lab me testing hote hai. Real life me customers k pas aane me 20 years to 50 years lag sakte hai aur woh bhi 1st ya 2nd generation ka product faltu niklega. Depend on ki kis tarah ki technology ki baat kiya gaya ho jisse duniya badal sakti hai.
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abhishek012 wrote:
Technology chahe kitna bhi aage badh jaye.

Agar koi technology zero se start kar rahe ho toh kuch decades lagte hai.

Kyunki physics, engineering, economy k kuch rules hote ha tum usko break nahi kar sakte ho.

Koi bhi bade merchants, pos machines, card companies etc fatafat koi chiz ko rollout nahi kar sakta hai.

Aur hamesa yaad rakhna, koi bhi chiz ka Generation 1 kharab nikalta hai, logo se feedback le kar Gen. 2 pe aate hai. Gen. 3 k baad kaha jada ha koi bhi technology better ho jata hai.

RuPay abhi just 2.0 me enter kiya hai. Officially yeh announced kiya hai RuPay 2.0 ko.

Koi bhi chiz ek office me baith k test karna bahot easy ha. Real life me jab launch hote ha toh 1000 problems aate ha usko solve karne karte decades lag jata hai aur yeh wohi time ha jab customers k support ka jarurt parta ha.

Ajtak India silicon chip, lithium-ion battery, aircraft engine, Railway engine khud ka, rocket engine etc kyun nahi bana paya ha ? 

Kyunki DRDO ka chief ho, ISRO k chief ho ya Indian railways ho ya koi Indian silicon chip banane wali company ho.

Indians ko lagta ha ki technology aage badh gaya ha toh hum latest generation ka kuch bhi bana denge. Aur yehi soch k chalte last me failed ho jata hai.

Aur last thing, Yeh marketing walo se durr raho. Jo batate hai na yeh battery la denge duniya badal jayega. Yeh technology aa gaya toh duniya badal jayega.

Par khud socho, yeh sab chize humlog pichle 10 years se sunte aa rahe ha but aaya kyun nahi ? kyunki woh sab bas lab me testing hote hai. Real life me customers k pas aane me 20 years to 50 years lag sakte hai aur woh bhi 1st ya 2nd generation ka product faltu niklega. Depend on ki kis tarah ki technology ki baat kiya gaya ho jisse duniya badal sakti hai.


Technology chahe kitna bhi aage badh jaye.

Agar koi technology zero se start kar rahe ho toh kuch decades lagte hai.
Agar new technology previous technology se behtar kuch nai kar rha then it is not needed. Example wheels. Ab wheels ke alternatives me dimaag naa lagake agar wahi wheels ko use karke kuch revolutionary banate ho toh woh jyada beneficial rahega.

Kyunki physics, engineering, economy k kuch rules hote ha tum usko break nahi kar sakte ho.
Wahi toh. Agar 30 saal lagenge matured hone me toh world ke saath milke age badhna hoga.

Aur hamesa yaad rakhna, koi bhi chiz ka Generation 1 kharab nikalta hai, logo se feedback le kar Gen. 2 pe aate hai. Gen. 3 k baad kaha jada ha koi bhi technology better ho jata hai.
Wo hamesha satya nai hai. 

Koi bhi chiz ek office me baith k test karna bahot easy ha. Real life me jab launch hote ha toh 1000 problems aate ha usko solve karne karte decades lag jata hai aur yeh wohi time ha jab customers k support ka jarurt parta ha.
Jaab inefficiency, lethargy, complacency and bureaucracy ghusta hai toh satyanash hota hai.

Ajtak India silicon chip, lithium-ion battery, aircraft engine, Railway engine khud ka, rocket engine etc kyun nahi bana paya ha ?
Jimmedar kaun hai ye saabko pata hai.

Indians ko lagta ha ki technology aage badh gaya ha toh hum latest generation ka kuch bhi bana denge. Aur yehi soch k chalte last me failed ho jata hai.
Toh bhai transistor wali jamana chodke vacuum tube wali generation me shift hona kitna jathaarth hai? Technology jeise age badhta hai uski taalme aagey badhna chahiye. Newton's third law ko toh suna hi hoga n meaning toh pata hi hoga. Ab E=MC2 kaa practical description kahan kaun deta hai. E=MC2 1905 kaa equation hai. Dunia kafi badal chuki hai. Circuit analysis me basic Kirchhoff's laws etc ke addition me aur bhi tools aa jate hain. Log bolte the ki Kirchhoff's laws bass electric charge agar constant hai circuit me then apply karsakte hain. Aaap transformer laga len circuit me bilkul kaam karega woh laws.  Har chiz kaa ek sima hota hai. Scratch se start karne ke liye pre 1947 era ko jaa nai sakte.

Aur last thing, Yeh marketing walo se durr raho. Jo batate hai na yeh battery la denge duniya badal jayega. Yeh technology aa gaya toh duniya badal jayega.
Duniya toh badalta nai but experience badal jati hai. Jeise ki fast charge ko lelo. Yaa fir apne card me jo EMV chip laga hai usse hi lelo. Battery laga hai? Nai laga hai naa. But RF tech itna advanced ho chuka hai ki aap voltage external source se induce kar sakte ho. Ab ye chizen bizli ke samasya toh badal nai sakta hai par financial chizon ke suraksha badha sakti hai. Aur wo hota aa raha hai. Agar technology apne pass nai hai dusre wale laen. Woh efficient hai. BAJAJ KTM ko acquire kiya. Saabko result pata hai kya hua. BAJAJ ke pass KTM kaa tech nai tha. Shaam, daam, dand, bhed ye chaar istamaal karke BAJAJ ne baaji palat di. Agar khudka nai hai toh acquire karlo. Efficient hai ye chiz.

Par khud socho, yeh sab chize humlog pichle 10 years se sunte aa rahe ha but aaya kyun nahi ?
Ans: Antarik iccha ki kami, complacency, inefficiency, unnecessary bureaucratic interference etc.
kyunki woh sab bas lab me testing hote hai. Real life me customers k pas aane me 20 years to 50 years lag sakte hai aur woh bhi 1st ya 2nd generation ka product faltu niklega. Depend on ki kis tarah ki technology ki baat kiya gaya ho jisse duniya badal sakti hai.
Testing bhi efficient honi chahiye. Real life me 20~50 years nai lagte hain. Aur 1st n 2nd generation hamesha kharab nai rahte. Ab chizen itne fast ho gaye hain ki 5 saal bhi piche rah jaen toh catch up karna mushkil ho jaega. Jo 20-50 saal ke baad aa rahe hain bol rahe ho wo bhai 20-50 saal kaa mehnaat kaa continuation hai. Wo eise nai beithe rahte hain ki 20-50 saal lage wo ayega toh hi age badhenge. Ye apka procrastination ko hi badhawa dega.  Aur exactly issi chiz ke liye India agey nai badha hai abhi taak. Me bol raha hun BoB kaa customer support yaa fir kisibhi PSU bank ki customer support itna acha nai hai jiske upar ek jan trust kar saken credit card leneke liye. Aur aap bhai har baat ko Rupay ke up le rahe ho. Agar kisika 50k kaa transaction fail hua hai n customer support acha nai hai toh desh kaa bikaash hote hote uska toh bali chadh jaega. PSU banks are here since a long time. But still their support system has not been improved because of aforesaid reason. Agar koi testing phase me hai toh jahir si baat hai ki uske upar rely nai kar sakte hain naa. Ye simple saa chiz hai. Samjhneke liye koi degree ki abashyakta nai hai. Ap credit card ke upar baat kar rahe ho, simple debit cards jo baaki banks baat rahe hain, hamara CANARA bank me apply karne ke baad bola jaa raha ki chip shortage ke kaaran mil nai raha hai woh Rupay Platinum Wali. Ek banda aya tha bol raha ki message aya hai ki uska debit card aya hai branch me. Branch wala bole ki nai hai. Branch wala kaa koi galati nai hai. It is just bank kaa way of doing business thik nai hai. 

Har chiz kaa kuch achaiya hain aur har chiz ke kuch buraiyan bhi hai. Accept karne me hi samajdaari hai.  Desh badhega toh hum badhenge aur pahla kadam hame lena chahiye. Ye toh muje gyat hai. But apne kamiyan ko bhi samajna chahiye. 

Solution
  • Agar nai hai toh acquire
  • Agar provide kar nai sakte toh at least channel open rakhna chahiye communication kaa. At least don't keep customers in dark.
  • Customer service has drastically improved in the world. So, people should not have any problem in case of customer service. Money gets stuck in EMV and RuPay. https://twitter.com/RuPay_npci/with_r...es RuPay tweeter handle is replying properly. But why is not BoB replying promptly? We don't complain to MasterCard/ VISA for every issue. We talk to ICICI credit card dept, SBI Card cc etc. Agar bank reply nai kar rha then koi sense ni banta card lene. Otherwise BoB and other PSU Banks other than SBI need to improve their customer support. Tik nai paenge warna. 
 


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bikidas2060 wrote:


Technology chahe kitna bhi aage badh jaye.

Agar koi technology zero se start kar rahe ho toh kuch decades lagte hai.
Agar new technology previous technology se behtar kuch nai kar rha then it is not needed. Example wheels. Ab wheels ke alternatives me dimaag naa lagake agar wahi wheels ko use karke kuch revolutionary banate ho toh woh jyada beneficial rahega.

Kyunki physics, engineering, economy k kuch rules hote ha tum usko break nahi kar sakte ho.
Wahi toh. Agar 30 saal lagenge matured hone me toh world ke saath milke age badhna hoga.

Aur hamesa yaad rakhna, koi bhi chiz ka Generation 1 kharab nikalta hai, logo se feedback le kar Gen. 2 pe aate hai. Gen. 3 k baad kaha jada ha koi bhi technology better ho jata hai.
Wo hamesha satya nai hai. 

Koi bhi chiz ek office me baith k test karna bahot easy ha. Real life me jab launch hote ha toh 1000 problems aate ha usko solve karne karte decades lag jata hai aur yeh wohi time ha jab customers k support ka jarurt parta ha.
Jaab inefficiency, lethargy, complacency and bureaucracy ghusta hai toh satyanash hota hai.

Ajtak India silicon chip, lithium-ion battery, aircraft engine, Railway engine khud ka, rocket engine etc kyun nahi bana paya ha ?
Jimmedar kaun hai ye saabko pata hai.

Indians ko lagta ha ki technology aage badh gaya ha toh hum latest generation ka kuch bhi bana denge. Aur yehi soch k chalte last me failed ho jata hai.
Toh bhai transistor wali jamana chodke vacuum tube wali generation me shift hona kitna jathaarth hai? Technology jeise age badhta hai uski taalme aagey badhna chahiye. Newton's third law ko toh suna hi hoga n meaning toh pata hi hoga. Ab E=MC2 kaa practical description kahan kaun deta hai. E=MC2 1905 kaa equation hai. Dunia kafi badal chuki hai. Circuit analysis me basic Kirchhoff's laws etc ke addition me aur bhi tools aa jate hain. Log bolte the ki Kirchhoff's laws bass electric charge agar constant hai circuit me then apply karsakte hain. Aaap transformer laga len circuit me bilkul kaam karega woh laws.  Har chiz kaa ek sima hota hai. Scratch se start karne ke liye pre 1947 era ko jaa nai sakte.

Aur last thing, Yeh marketing walo se durr raho. Jo batate hai na yeh battery la denge duniya badal jayega. Yeh technology aa gaya toh duniya badal jayega.
Duniya toh badalta nai but experience badal jati hai. Jeise ki fast charge ko lelo. Yaa fir apne card me jo EMV chip laga hai usse hi lelo. Battery laga hai? Nai laga hai naa. But RF tech itna advanced ho chuka hai ki aap voltage external source se induce kar sakte ho. Ab ye chizen bizli ke samasya toh badal nai sakta hai par financial chizon ke suraksha badha sakti hai. Aur wo hota aa raha hai. Agar technology apne pass nai hai dusre wale laen. Woh efficient hai. BAJAJ KTM ko acquire kiya. Saabko result pata hai kya hua. BAJAJ ke pass KTM kaa tech nai tha. Shaam, daam, dand, bhed ye chaar istamaal karke BAJAJ ne baaji palat di. Agar khudka nai hai toh acquire karlo. Efficient hai ye chiz.

Par khud socho, yeh sab chize humlog pichle 10 years se sunte aa rahe ha but aaya kyun nahi ?
Ans: Antarik iccha ki kami, complacency, inefficiency, unnecessary bureaucratic interference etc.
kyunki woh sab bas lab me testing hote hai. Real life me customers k pas aane me 20 years to 50 years lag sakte hai aur woh bhi 1st ya 2nd generation ka product faltu niklega. Depend on ki kis tarah ki technology ki baat kiya gaya ho jisse duniya badal sakti hai.
Testing bhi efficient honi chahiye. Real life me 20~50 years nai lagte hain. Aur 1st n 2nd generation hamesha kharab nai rahte. Ab chizen itne fast ho gaye hain ki 5 saal bhi piche rah jaen toh catch up karna mushkil ho jaega. Jo 20-50 saal ke baad aa rahe hain bol rahe ho wo bhai 20-50 saal kaa mehnaat kaa continuation hai. Wo eise nai beithe rahte hain ki 20-50 saal lage wo ayega toh hi age badhenge. Ye apka procrastination ko hi badhawa dega.  Aur exactly issi chiz ke liye India agey nai badha hai abhi taak. Me bol raha hun BoB kaa customer support yaa fir kisibhi PSU bank ki customer support itna acha nai hai jiske upar ek jan trust kar saken credit card leneke liye. Aur aap bhai har baat ko Rupay ke up le rahe ho. Agar kisika 50k kaa transaction fail hua hai n customer support acha nai hai toh desh kaa bikaash hote hote uska toh bali chadh jaega. PSU banks are here since a long time. But still their support system has not been improved because of aforesaid reason. Agar koi testing phase me hai toh jahir si baat hai ki uske upar rely nai kar sakte hain naa. Ye simple saa chiz hai. Samjhneke liye koi degree ki abashyakta nai hai. Ap credit card ke upar baat kar rahe ho, simple debit cards jo baaki banks baat rahe hain, hamara CANARA bank me apply karne ke baad bola jaa raha ki chip shortage ke kaaran mil nai raha hai woh Rupay Platinum Wali. Ek banda aya tha bol raha ki message aya hai ki uska debit card aya hai branch me. Branch wala bole ki nai hai. Branch wala kaa koi galati nai hai. It is just bank kaa way of doing business thik nai hai. 

Har chiz kaa kuch achaiya hain aur har chiz ke kuch buraiyan bhi hai. Accept karne me hi samajdaari hai.  Desh badhega toh hum badhenge aur pahla kadam hame lena chahiye. Ye toh muje gyat hai. But apne kamiyan ko bhi samajna chahiye. 

Solution
  • Agar nai hai toh acquire
  • Agar provide kar nai sakte toh at least channel open rakhna chahiye communication kaa. At least don't keep customers in dark.
  • Customer service has drastically improved in the world. So, people should not have any problem in case of customer service. Money gets stuck in EMV and RuPay. https://twitter.com/RuPay_npci/with_r...es RuPay tweeter handle is replying properly. But why is not BoB replying promptly? We don't complain to MasterCard/ VISA for every issue. We talk to ICICI credit card dept, SBI Card cc etc. Agar bank reply nai kar rha then koi sense ni banta card lene. Otherwise BoB and other PSU Banks other than SBI need to improve their customer support. Tik nai paenge warna. 
 


Mai ek lamba essay likha toh tum uska double likh diya. 😀

Anyways mai phir bhi kahunga koi bhi new technology ko aane me 20 to 50 years lag jate hai.

Aaj tum jo bhi dekh rahe ho. Tumhe lagta hoga new technolgy but sab k sab 1980s se purane ha. kuch technology toh 200 years old hai.

Backend me uspar kam hote raheta hai. India me baithe hue logo ko pata nahi hota hai but sab maximum technology ka innovation American se hota hai aur Americans uspar 20 to 50 years se kam karte rahete hai tab ja kar aaj woh technology logo tak pahochta hai.

Aur aaj aise aise technology pe kam ho raha hai jo tumne sune tak nahi ho but suddenly 2050 ya 2060 me aa jayega toh bolenge log ki Wow! duniya kitni badal gayi hum technology me kitne aage aa gaye. Jab ki reality yeh hai ki woh sab technology pe aaj se he kam ho raha hai. Bas Indians uspar jada research karte nahi hai.

Aur reality yehi hai, isiliye India kuch bhi apna kar nahi pata hai.

"Agar khudka nai hai toh acquire karlo"

Well, har chiz kharidne k liye paise nahi hote ha kisi k pas aur na bikao hote hai aur us desh ki govt bechne k liye allow bhi nahi karega.

Jaise ki silicon chip banane wali company ko kharid nahi sakte ho aur hamesa old technology he sell hote ha ya transfer hote hai.

Jaise ki ISRO ka plan ha 5 new HLV rockets banane ka, jo 2030 k baad bana na start karega, but guess what ? iske liye bhi ISRO 1970s ka rocket ka technology transfer karne wala hai Ukraine se (USSR k jamane ka). Kyunki latest rocket engine koi nahi bechna chahta hai aur na technology transfer.

New technology bikao nahi hota hai aur kuch new bana na hai toh starting se khud se he bana na hoga.
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@abhishek012 @bikidas2060 bhaiyon, maine galti se ye Thread Open kar liya tha. Ab yahin fass gaya hoon. Koi bahar nikalo mujhe iss thread se. Yaar, itne lambe-lambe comments chaap dete ho. Aap dono ke liye to DD @admin ko koi alag hi forum section banana chahiye like "LOMMENTS (Long Comments) & LONGIFIED (Long Classified)". stuck_out_tongue_closed_eyes stuck_out_tongue_winking_eye joy Main ye sab isliye keh raha hoon, kyonki aap dono ke inputs/views bahut valuable hai, lekin itminaan se padhne ke liye free time mein... blush blush or isliye free time aapke section ko open karke aaraam se padh sakte hain.
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