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  1. cardio_guy

    Education Fees Through Bank Transfer Using Credit Card - Query and Discussion

    Hello all, I need to make an education fee payment of ₹20 lakhs in the next two months. The institute has provided NEFT details with an account number for the transfer. I'm checking if there’s a way to use my credit card for this payment instead of a direct bank transfer. I came across...
  2. cardio_guy

    ICICI Bank new refreshed net banking interface

    Following the steps of HDFC, ICICI refreshed all pages inside after login. Infinity NXT I didn't see any announcement anywhere, I just logged in as usual today using the old login page link (https://www.icicibank.com/personal-banking/insta-banking/internet-banking). When I clicked Login >...
  3. cardio_guy

    Re-applied for IDFC First Wealth Credit Card

    Old Story so far: This was sometime in late 2023 and early 2024. I had been trying to get IDFC First Wealth through their website directly - but whenever I enter my details, the site was only showing FD based WOW card. It went on for a year and then I got a call from one RM who told if I apply...
  4. cardio_guy

    Going to take my first travel card - Axis Atlas, need some inputs.

    So after a lot of time spent on cashback cards and exploring a lot about travel cards, I finally decided to take the plunge and get into the world of travel card. I had been avoiding Axis for some reasons all this while, but finally decided to take the Axis Atlas card. Most importantly these...
  5. cardio_guy

    HDFC Credit Cards [Discussion] Unconfirmed: Does HDFC Restore Original Limit After Closing Pixel Card?

    I’ve been hearing that if you close your HDFC Pixel card, the credit limit might get released back to your main HDFC card. Apparently, there are 2-3 ways this can happen: 1. It happens automatically after closing the Pixel card. 2. You can write to customer care and request it. 3. If needed...
  6. cardio_guy

    A Quick One-Day Trip to Bangalore

    Just sharing my quick one-day trip from Cochin to Bangalore and back. I booked my onward journey on Air India Express using NeuCoins—didn’t pay anything extra as the taxes were also covered. It was nice that the earned coins appeared directly on the AIX website, so I didn’t have to transfer...
  7. cardio_guy

    Seeking reviews on leg and calf massager

    Hello all, I am planning to buy a leg and calf massager (Agaro or cult). In Amazon the price is around 10k. I am reaching out to see if anyone has bought this item and how are the reviews? Any things to take care before buying? My long term goal is to buy a full body massage chair and it...
  8. cardio_guy

    My HDFC credit card journey and the way forward

    I am someone who spoiled many good chances of getting better cards early on. But HDFC has been overall good to me, and nothing went wrose. When I started my credit card journey, I was not aware about core/cobranded problems of HDFC. I have posted in different threads about these milestones but I...
  9. cardio_guy

    How did you move from cashback to reward points card? Share your story

    Hi All, Most credit card users fall into two categories — those who prefer cashback and those who go for reward points or airmiles. Cashback is simple. The benefit is direct and easy to understand. It shows up as a statement credit or wallet balance, and there’s no need to track or plan...
  10. cardio_guy

    Query on Tata Neu hotel booking charges and cashback

    Hi all, I booked a Ginger hotel in Tata Neu app using Neu Infinity credit card. But the cost structure is not clear to me. I need some help if someone can explain it to me. Base cost: ₹ 4799 Tax & service charge: ₹ 576 Total cost: ₹ 5375 Coupon discount: ₹ 480 Amount payable: ₹ 4895 Neu...
  11. cardio_guy

    How are you making the best use of your existing credit cards?

    Hello all, Not everyone can get the best cards like EPM, Infinia, M4B and the likes. Also, not everyone know how to make the best use of their cards. Even those with the bestest of the best cards may be using them in the least effective way such that rewards are not the best. Like for example...
  12. cardio_guy

    Devaluation Amex Emirates Skywards - Transfer points before May 28th 2025

    Potential Devaluation: Apparently, Amex is stopping/discontinuing Emirates Skywards as transfer partner. You won’t be able to transfer Membership Rewards points to Emirates starting 28 May 2025. There is no information on when it will resume. Dear Cardmember, We are committed to...
  13. cardio_guy

    Using other bank credt cards on Tata Neu App - Query and Discussion

    I was always thinking that HDFC Tata Neu infinity card is the best card for getting best prices on Tata Neu app. But recently I noticed that Neu app is giving so many offers and discounts for other cards too. Like for example, 10% instand discounts on ICICI cards on many categories. That...
  14. cardio_guy

    Suggest me a credit card for offline jwellery purchase

    Hello, I will be purchasing a small amount of ornaments tomorrow - (two earrings) for my mom. We will be exchanging one old broken earring and the final cost after exchange is expected to be somewhere below 60k. We will be purchasing from either Bhima or Tanishq (For long time, my mom is...
  15. cardio_guy

    AI Tools Compilation

    AI tools are becoming a big part of our everyday lives. Many people now use them to save time, work better, and be more creative. From writing and designing to learning and planning, AI tools can do a lot. It’s interesting to see how people are using them in their own way to make life easier...
  16. cardio_guy

    How to improve the return % on credit cards?

    Hi all, This could be a noob question. I have only cashback credit cards. I have been tracking the cashback percentage on the last few months and it has always been mostly less than 2%. I will list down the cards that I have, this month's bill and cashback received: CardBill AmountCashback...
  17. cardio_guy

    Tata Neu Indusind Bank Forex Card is launching soon

    Tata Neu is excited to announce the launch of a new forex card in partnership with Indusind bank. You can find all the information about this exciting new product in the Tata Neu app > Neu Money section. They have provided some high-level details about the card and also included an option to...
  18. cardio_guy

    Mac to Windows laptop migration - looking for suggestions

    Hello, My office laptop is getting refreshed and I am getting a windows laptop now. Earlier I used to use a Mac, but during this refresh, they are giving a windows one. This is the specification. Is it overall good? Data Transfer: What all things to take care while migrating or data...
  19. cardio_guy

    Looking for Suggestion on Dining Table Purchase

    I want to buy a dining table, (just the table without chairs). Currently, I have a 6-seater table and chair set, but one of the table legs is completely damaged. It's a Damro glass top table. I have tried to find a place to repair it, but it has been difficult. Additionally, the table is 15...
  20. cardio_guy

    Investment plan for a friend

    One of my friend (also a distant relative) reached out to me asking for his investment advice. He has shared his investment details with me and asked for suggestion or feedback. Since I am not very sure, I asked him to approach any financial planner. But I thought of sharing the details without...
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