cardio_guy

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  cardio_guy

• Oct 30, 2024

Slowly I am moving from other cards to HDFC card ecosystem. Just using 2 cards now - Swiggy and Neu Infinity.
Have been comfortable with Swiggy over the last 1 year or so. Cashbacks have been regular, no need to follow up and things like that. That's why I thought of taking the second HDFC card - Neu Infinity. Just got this card today. I think it will be good for me. Planning to move most of the transactions to these two cards. Will be using the neu card mostly for offline swipes and UPI scans. Because that's the most unorganised place for me now.
The only minus point is - both are paid cards and both have annual fees. I need to spend a total of ₹ 5L to waive off the fees. Maybe that's doable but not very sure. I'll try for an year or so and see how it goes. Meanwhile in parallel I am writing mails to hdfc customer care to make it lifetime free. But that maynot work out soon.
Another thing is moving my salary account too to HDFC. So that I'll be getting some of their core cards as well. All that is planned after 4-6 months from now.
Happy Diwali 🎇 🪔

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  cardio_guy

• Oct 25, 2024

Looking for a coupon code for Zomato Gold membership. Please DM me.

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  cardio_guy

• Oct 9, 2024

I have set up a standing instruction for Rs 999 in ICICI credit card. The payee name is shown as viacom18 but I can't remember what is this for. I searched everywhere but I don't see any service related to viacom18. Does anyone has this standing instruction for 999 rs yearly with payee as viacom18?
The only thing I could find out is it is somehow related to Reliance Industries. But I don't exactly understand what service it is. Any idea how can I find this out?

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  cardio_guy

• Oct 7, 2024

So, I've been taking a hard look at my credit cards and realized I've got way too many. They just don't fit my spending habits anymore.

To keep things simple, I'm sticking with these few: ICICI Apay, and HDFC Swiggy for online shopping. For UPI payments, Coral Rupay, and Sapphiro for smaller stuff.

That's it! No more keeping unwanted and unused cards. Clearing up my wallet for now. Maybe I'll find a better card later, but for now, I'm good. Need some time away to clear the clutter and get fresh air in.

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  cardio_guy

• Oct 4, 2024

Sad realisations of the week.

1. With 1.8L salary, I won't get any wealth/priority/premier salary accounts. It atleast needs 2L+ net credit per month. Here ICICI is kind enough to upgrade me to their (good for nothing) wealth management variant. Thanks but no thanks.

2. I don't have the high TRV these guys ask, because I don't have any big ticket loans, no FDs too. So TRV based upgrade is also not possible.

3. Same for super premium/luxury cards as well. Since no high income, no higher variant wealth account and no linked high-end credit cards.

4. Spends are very low. Family's (4 people) full expense is around 60k per month. That means 5L per year. Super premium cards need me to upgrade my lifestyle and spending. So those are also unreachable as of now.

5. Paying high fees and getting a card, but if that doesn't match with my spends, it's of no use. So not going for premium cards as well.

Overall, it was a nice week.

Is there a workaround or possibility to get out of this circle, other than increasing the net salary? If there are any thoughts, please share.

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  cardio_guy

• Sep 10, 2024

So I added one more card - IDFC First Wealth. LTF, 4L limit. Got it approved today.
I never got this card when I needed. Now after all the devaluation and stripping off everything, IDFC Folks are running behind people to issue these cards left right and center. It's of no use other than any specific offer for IDFC First.
Got it just because I don't have a Visa Infinite variant otherwise.

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  cardio_guy

• Sep 1, 2024

Is it time to book profits? Many people are saying that there is an imminent market crash coming in the next few months and many stocks can go down.

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  cardio_guy

• Aug 20, 2024

Any website where I can link the zerodha kite account and do a portfolio analysis?

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  cardio_guy

• Aug 20, 2024

Hey everyone! If you got your SC EMT card approved in July, there's a great offer happening right now.
You can get a Rs 500 Amazon shopping voucher by making 2 transactions of Rs 500 using your SC EMT card.

Check out the link below for all the terms and conditions. This offer is valid until August 31st. Don't miss out!

Terms and Conditions

www.sc.com

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  cardio_guy

• Aug 17, 2024

Any moneycontrol pro and ETPrime copouns available? please DM me.

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  cardio_guy

• Aug 14, 2024

Please consider giving me your rating at my profile page basis your interaction with me or based on your views about my posts. Thanks. https://www.technofino.in/community/members/cardio_guy.22127/ratings/

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  cardio_guy

• Aug 3, 2024

Added one more card to my kitty - Standard Chartered Easemytrip. (Took it for Priority Pass).
Limit = 6L. Joining/Annual Fees Rs 350/-.

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  cardio_guy

• Jul 29, 2024

Nifty touched 24999.75 and came back. Missed the kiss by a small gap.

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  cardio_guy

• Jul 18, 2024

CIBIL score increased to 789 this time! For last 10 months it was 785. Don't know what happened. No new cards, no new loans, no new enquiries.

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  cardio_guy

• Jul 18, 2024

I lost my SBI debit card somehwere. Unable to track it. Just to understand - will they give the same card variant as replacement or will they give some other variant? (I had visa platinum debit card, not sure if these idiots will lower the variant when they replace it). How can I ensure I get the higher variant itself?

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  cardio_guy

• Jul 12, 2024

Wish you a happy married life Anant and Radhika. Today is a happy day. Beautiful couple and Mukesh Ambani has shown that India can host big beautiful functions. Inspiring people to grow up the wealth ladder.

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  cardio_guy

• Jun 14, 2024

Did Anyone get your ICICI credit card statement for the bill generated on the 12th of this month? Usually, I get the email by the 12th evening, but now it is the 14th and I still haven't received this month's bill by email. Anyway, the cashback has been credited to my Amazon Pay balance. But for Sapphiro and Apay, the bills are not in the email yet.

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  cardio_guy

• Apr 28, 2024

I'm looking to book 2 flight tickets from Cochin to Chennai (and return) for the first week of June. Usually, I book on Amazon because their rates are lower and they offer cashback on Amazon Pay ICICI card. But I'm open to other alternatives. Also, I need to book a hotel room and I usually use makemytrip for that. Any tips on getting discounts or reduced rates would be greatly appreciated.

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  cardio_guy

• Apr 16, 2024

To invest in mutual funds and stocks, your KYC status must be in the Validated state. If your status is Registered or in any other state, please visit the nearest CAMS or KARVY office and provide your Aadhaar and PAN to validate it. I got mine updated. It took almost a week.

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  cardio_guy

• Mar 28, 2024

Last working day in this financial year. I hope it was profitable for everyone and that all of you have increased your net worth. 📈💰