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  1. Arpit Kumar Wadhwa

    Do we get Tata Neu coins for gold purchase via Tata Cliq?

    Secondary market means the bond markets where bonds are traded like stocks. I think you can do it on any stock broker app or website. Not sure though. Never bought a stock or bond directly. Don't have a demat account. Will get one when it's time for me to get SGB. For now I need MFs
  2. Arpit Kumar Wadhwa

    Need help with Spends on SCB Ultimate

    Sorry, I just checked the voucher details and it can only be used for purchase jewellery
  3. Arpit Kumar Wadhwa

    Things to know before investing in Physical Gold?

    Link and explanation of how you are getting such a high cashback?
  4. Arpit Kumar Wadhwa

    Things to know before investing in Physical Gold?

    Online also they price gold 8-9% higher. Making charges + margins. The online price is inclusive of it. This 8-9% you won't get back when you sell your gold
  5. Arpit Kumar Wadhwa

    Things to know before investing in Physical Gold?

    After some self research I found out that we have to take min 15% loss if ee buy and sell immediately. So not worth it. Here is the breakup 8-9% making charges 3% GST 3% lower buyback price if you want cash. Jewelers offer buyback at 100% of base gold price only if you exchange it And not...
  6. Arpit Kumar Wadhwa

    How do you explain earnings from Zingoy to Income Tax Dept?

    Don't you have to pay taxes on earnings from selling vouchers? And how do you explain to Income Tax Dept if you get a notice? Is it even legal to sell voucher that was issued to you?
  7. Arpit Kumar Wadhwa

    Fixed Deposit (7 to 15 days)

    It's generally less for some banks like Kotak plus you would need to pay tax on FD
  8. Arpit Kumar Wadhwa

    Do we get Tata Neu coins for gold purchase via Tata Cliq?

    Sorry if you buy new issue directly online then you get Rs 50 discount per gram. That's 1% discount But in the secondary market the SGBs trade at 10% lower prices
  9. Arpit Kumar Wadhwa

    Best cashback Debit cards

    I don't get the option to pay CC bill via Amazon Pay. How do you do it?
  10. Arpit Kumar Wadhwa

    Best cashback Debit cards

    Doss Jupiter Debit card give 1% CB on wallet loads as well?
  11. Arpit Kumar Wadhwa

    Kotak Spendz Debit Card Rewards?

    Oh! You can't pay CC bill with prepaid card? And what about PayTM wallet loading? Is that also not possible?
  12. Arpit Kumar Wadhwa

    Do we get Tata Neu coins for gold purchase via Tata Cliq?

    You take a 15% loss on physical gold if you want to sell immediately. If you plan to hold you are taking a 25%(15+10) loss and 2.5% every year. Cause if you buy SGBs trade at 10% discount and 2.5% fixed income on the issuing price.
  13. Arpit Kumar Wadhwa

    Kotak Spendz Debit Card Rewards?

    Even for Credit Card Bill payment? Then HDFC Bill Pay is just overrated. Having a Savings acc in Kotak is better than HDFC
  14. Arpit Kumar Wadhwa

    Kotak Spendz Debit Card Rewards?

    The Spendz card offers 1% cashback on all payments. Does it include wallet load and credit card bill payment as well? And on website it says there is no minimum transaction limit. But is the cashback rounded up or is fractional cashback also given?
  15. Arpit Kumar Wadhwa

    Amex MRCC application rejected

    Salaried. 7 LPA
  16. Arpit Kumar Wadhwa

    Amex MRCC application rejected

    My Amex MRCC application through referral was rejected immediately stating the information they received from the Credit Information Company does not satisfy their internal criteria. My score is 751 and my existing Axis card is 4 months old. What CIBIL score do I need to apply for Amex card...
  17. Arpit Kumar Wadhwa

    Can someone help me with information on wallet loading rewards?

    First of all, sorry if this has been asked before. I couldn't find it. I have only used PayTM up until now. And PayTM offers 1.5-3% cashback on loading wallet from CC from time to time. So I was curious about maximising my CC rewards through other wallets/UPI apps Can someone please tell me...
  18. Arpit Kumar Wadhwa

    Some questions regarding Amex cards

    I am planning to apply for Amex MRCC and also Smart Earn later But I have some questions about it. Sorry if this has been answered before. I couldn't find clear answers on these here. 1. I have heard Amex has acceptability issues. I plan on achieved MRCC milestone rewards by loading PayTM and...
  19. Arpit Kumar Wadhwa

    Is it safe to allow Magicpin to read Transaction SMS?

    Magicpin gives cashback in form of coins on transactions done through UPI and Credit Cards. The coins can be used for purchasing vouchers or getting discounts. But is it safe to enable read SMS feature on this app?
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