advice

Hi everyone, I’m a complete newbie when it comes to health insurance and need some advice. Four years ago, my mother purchased two health insurance policies ( Star Health)—one for herself and one for me—through a local agent. He also sells LIC and Star Health policies and is a well respected...

Need advice on top credit/debit cards to shop on Dmart Ready app

Need advice, I pay cc bills via Navi using Fi dc, for BPCL card, total bill with annual fee around this time was 693, I cleared 500, then 193. 500 got thru, but somehow 193 failed which I noticed today when I got sms of late payment. Minimum due was same as total due. Now got reported to...

I have been looking for a good Rupay credit card. As my UPI spends are not much I don't want a card with annual fees as I am already paying annual fees for the SBI CB card. Usually all my spends are done by credit cards so I just want a Rupay Card to pay on places which don't accept credit cards...

Hi everyone, I’m sharing my recent experience with applying for the HDFC Tata Neu Credit Card and need some advice on how to proceed. I applied for the card via the Tata Neu app in the first week of December. Unfortunately, I missed entering a part of my address—specifically the post...

Hi everyone, I’m planning to buy the Samsung S24 Plus and could use some advice. Here's the situation: (I have prebooked the S25 series and pre-reserved a display unit, so I have about 48 hours to decide.) At Vijay Sales: A display piece is available for ₹53,999. On Flipkart: Selling for...

Hi everyone, I’m considering opening an IndusInd Pioneer account and wanted your opinions on whether it’s worth it. The account requires maintaining an AMB (Average Monthly Balance) of ₹10L, and here are the main benefits they’re offering: Free Locker Facility Interest Rate of 7% on Savings...

Hi everyone, I'm looking for advice on health insurance for my parents. My dad is 49 with high blood pressure, and my mom is 46 with diabetes. They have government insurance, but for serious medical issues, we prefer private hospital care. I'm searching for a plan covering pre-existing...

I’m planning to take a mortgage loan of ₹45 lakh for 5 years. I’d like to know which bank or financial institution offers the lowest interest rates and the best terms. As I’m new to this process, I would appreciate guidance on what key parameters to consider when comparing offers from two or...

Hello Technofino Community, I currently have a home loan with ICICI Bank that was taken for purchasing an empty plot. The current interest rate on this loan is 9.4%, and I am exploring two options: Top-Up Loan: Is it possible to top up my existing home loan with ICICI Bank for additional...

I’m planning to do a Fixed Deposit at Utkarsh Small Finance Bank, but the bank executive is suggesting I open a savings account first. They mentioned that the minimum average balance required is ₹5000 quarterly, but no charges will be applied. I don’t need a debit card or any additional...

Looking to buy a car-sedan. This would be our first car. My wife would be the primary driver. I am hoping I would be keen to learn car driving in the future. Have driven Activa till now. Mostly will be using in the city for errands and sometimes outstation trips. We are not sure yet how much...

I recently discovered something interesting about the RBL Bajaj Finserv Super Card and wanted to check if anyone here has experience with it. My dad has accumulated over 50,000 reward points on his RBL Super Card, which are worth approximately ₹10,000. I came across information that these...

Hi everyone, It’s been a year since I started using credit cards, and I’ve learned a lot along the way through this forum and reddit channels. I’ve been trying to optimize my spending and recently calculated a year-end consolidated report based on insights from a previous post here. (I assumed...

I ordered milk from JioMart today at 6 PM, and the app showed it would be delivered on the same day, January 4th. However, it's still not delivered, and the status shows it will be delivered "by January 4th." The chat support is only virtual with no real-time agent assistance, and call support...

Hi, I will be visiting Abu Dhabi for 6 days soon. I will be travelling alone and trying to create a budget friendly itinerary. Flight tickets and stay in Abu Dhabi for all days is booked. I can use only one day for visiting Dubai. Among other days, I have two entire days to roam in/around Abu...

Hi all, This is my first post here, after being a silent reader for almost a year. I want to take a moment to thank the Technofino community for all the valuable guidance shared over time – it has been incredibly helpful! I’m seeking some advice regarding getting the HDFC Millennia Credit Card...

TL;DR: During my trip to Malaysia, a hotel overcharged me 50 MYR (~1000 INR) for a lost room key when the card mentioned only 20 MYR. Despite multiple discussions, the manager later agreed to refund 30 MYR but insisted on needing my bank details for the refund. I’m concerned about tax...

Hi, I am planning for a family trip to Dubai on April-May 2024. Will fly from Mumbai. Plan as of now :- 1) Flight :- Raipur-> Mumbai by Indigo Mumbai -> Dubai ->Mumbai by Emirates Mumbai -> Raipur by Indigo 2) Hotel :- In Dubai :- Taj or any luxurious Accor hotel nearby Dubai Mall Stay...

Hi TF community, I lost my only parent and have no clue on how to handle the finances he left behind. I need some ideas/help to guide me on what to do with his wealth (mostly in bank FD's). Totally lost and need some guidance on how to go forward from here. His assets/stocks/insurances etc...