cardio_guy

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  cardio_guy

• Mar 8, 2025

Late realisation: Came to know about HP Pay and installed the app today. Didn't give much attention to this earlier. Looks like there can be some good savings on fuel purchases using this app. Pls comment any useful threads on HP pay, how to use it, how to buy vouchers etc.

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  cardio_guy

• Mar 7, 2025

Any problems in maxing out credit limit, apart from cibil score?
My hdfc credit limit is 1.52L and I have used 1,51,800. Will they charge any extra interest or something just because I used it full?

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  cardio_guy

• Feb 13, 2025

Regret of the day - not having EPM.

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  cardio_guy

• Feb 7, 2025

I need to travel from Kochi to Bangalore on Feb 27 and return on Feb 28.
The fare shown in Amazon is 6880/- (additional 344 cashback on Amazon pay ICICI). So effective Price = Rs 6536/-
In Indigo direct website, it is nearly Rs 7200.
Is there any benefit of buying it directly from Indigo site?

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  cardio_guy

• Feb 2, 2025

Recently, I am not getting notified on older posts which I used to 'Watch' earlier. Any changes in the backend?

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  cardio_guy

• Jan 23, 2025

Need a help.
Travelling to Madurai. Planning to visit meenakshi amman temple in one of the coming days. How is the usual crowd? How long does it take to get darshan? Is there any priority ticket/queue? Any inputs is appreciated.

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  cardio_guy

• Jan 18, 2025

Air India app offers

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  cardio_guy

• Jan 12, 2025

Some coupons giveaway:

Thread 'Swiggy one benefits giveaway - (all valid till 31 March 2025)'

Jan 12, 2025

Return Favour: Follow me and Rate my profile:

2 months YouTube premium: (https://www.youtube.com/redeem)
Coupon 1: 00ib9s6r7e2dc
Coupon 2: 00e9i5es2ns36

3 months audible premium Plus: WU3T-PEFTPF-G4PDB9

Hamleys Rs 500 off on shopping online above Rs 2500: SWGBLCK735JD617K

Lakme Salon Free destress massage and Rs 500 off: BSW1124USKWK

Puma extra 15% off (No MOV): W63ZHDRBKG

Hamleys 3 free access to Play area (30 min per month for 3 months): HMLS-LAUP0LF2NI

Ajio flat 20% off (MOV 999): SWZD6W8IJNGN4GV

• cardio_guy
• benefits giveaway swiggy
• Replies: 11
• Forum: Donate Your Voucher/Coupon Codes

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  cardio_guy

• Jan 6, 2025

HMPV confirmed case in BLR. Markets crashing.

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  cardio_guy

• Jan 1, 2025

Happy new year 2025 🎉

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  cardio_guy

• Dec 27, 2024

Finally, I opened an HDFC Corporate Salary Account. The process was entirely online. Very smooth and no hassles at all. HDFC continues to amaze me.

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  cardio_guy

• Dec 22, 2024

Financial and Banking Learnings of 2024​

Thread 'Financial and Banking Learnings'

Dec 22, 2024

What are your financial, banking, credit card, etc related learnings of 2024? List of things you learnt new, any new findings, any new hacks etc?
My list:

• Learnt that SBI reward points can be used to pay credit card bills in the rewardz.sbi portal
• Learnt about Rupay platinum debit card Friday offer (Rs 100 instant off) on bill payments using Amazon pay
• Used ICICI Sapphiro card and booked 4 movie tickets, got Rs 1000 instant discount on BMS.
• Learnt that we can do full KYC in Payzapp using any HDFC credit card, without having HDFC bank account.
• Used Appollo 24|7 circle...

• cardio_guy
• 2024 banking cards general
• Replies: 35
• Forum: Just For Fun

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Contribute yours.

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  cardio_guy

• Dec 16, 2024

I need to stay at Courtyard by Mariott, Madurai (TN) for 2-3 days in the last week of January 2025. What is the best way to book a room? I used to use Amazon pay and Apay ICICI credit card for hotel booking. But is there a better way? (Can anyone with Mariott membership book on behalf of me at a better rate? Or is there any other alternative?) Looking for suggestions, please DM if needed. Thanks!

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  cardio_guy

• Dec 14, 2024

Humbled and grateful to have reached the TF Legend status level! It's amazing to be a part of this community and have the opportunity to contribute to valuable discussions and provide information. I've learned so much from this group, and the more I learn, the more I realize how much there is still to know!

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  cardio_guy

• Dec 3, 2024

Payzapp query
I installed and signed up to Payzapp app without having an hdfc bank account. While installing it asked whether I have an account and if yes I had to enter the account number etc.
But since I didn't have the account i skipped this part.

I uninstalled and installed the app again but this time it was not asking for bank account, it directly went in to the dashboard.

Now in future when I open HDFC Bank account, can I link it to Payzapp?

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  cardio_guy

• Nov 17, 2024

Has anyone tried https://ccreward.app/? How is it?

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  cardio_guy

• Nov 9, 2024

I got a call from indusind Bangalore branch They told I am eligible for these LTF cards -

1. Easydiner platinum
2. Platinum rupay
3. Signature Legend

Which one to take? Is any of these worth taking?

Attachments

• EazyDiner Platinum Training.pdf

  808.1 KB · Views: 13
• null-4.pdf

  1.8 MB · Views: 9
• Training Deck_Platinum Rupay credit card (1).pdf

  1.4 MB · Views: 8

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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?