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  1. 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...
  2. 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...
  3. 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...
  4. 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...
  5. 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...
  6. 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...
  7. 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...
  8. 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...
  9. 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...
  10. 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...
  11. 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...
  12. 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...
  13. 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...
  14. 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...
  15. 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...
  16. cardio_guy

    Which app do you use for train ticket booking?

    The most popular app or website is IRCTC but there are so many other apps and websites to book train tickets. Initiating a poll to find out which all apps are there for train ticket booking and what special benefits do some of them provide.
  17. cardio_guy

    How many app wallets do you have? (Where all are your money spread?)

    These days, we use many different apps, and almost every app has its own wallet. Whenever we get cashback or reward points, they go into the wallet of that particular app. This means our money or rewards are scattered across many places, instead of being in one spot. Apps do this on purpose...
  18. cardio_guy

    Which is your preferred web browser? - Query and Discussion

    I've been using Chrome as my default browser for many years. I've signed in to my Gmail account and synced my web activity. It's helpful for me to see and restore the tabs that I open on my mobile when I switch to my laptop. But I'll be changing laptop next month and I'm considering switching to...
  19. cardio_guy

    Tata Neu App Partner Brand Tiers - Air India Express, Titan, and Taj

    As all of you might know, Tata Neu app has tier level system within the app for itself - Explorer, Insider, Elite and Legend. Neu Infinity Card holders get 5% on app purchases, apart from 5% on card purchase. That being said, To fully explore neu benefits, we need to enter the Legend tier...
  20. cardio_guy

    Financial Planning for New Year: Tax Year 2026 - Discussion

    So yet another financial year is ending today. Tomorrow onwards, there is no concept of Financial Year and Assessment Year. It is just called as Tax Year. How has been your investments in last year and till now? Are you financially better today than what you were an year back? Are you able to...
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