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  1. 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?
  2. 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?
  3. 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...
  4. 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...
  5. 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...
  6. 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?
  7. Arpit Kumar Wadhwa

    Things to know before investing in Physical Gold?

    I was thinking about using the Amazon Vouchers purchased from Credit Cards fo buy Tanishq vouchers or vouchers of some other jeweller. Then I would use those vouchers to buy gold coins. Is it a viable option? I have a few queries 1. Do I get rate that matches the market or is at most 5%...
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