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Purchasing a car is a dream for many middle-class families like ours. Whenever we think about buying something expensive, we instinctively look for ways to save a little extra while spending the necessary amount. As credit card enthusiasts, we try to utilize our cards for shopping, bill payments, and earning rewards—so why not use a credit card for purchasing a car? A typical family car costs anywhere between ₹8 lakhs to ₹20 lakhs. If we strategically use our credit cards for such a...

TF Folks, As IPL 2025 approaching, we will have this thread for IPL 2025 discussion. Schedule: All Captains:

🎉 TechnoFino Community Hits 50,000 Members – A Huge Milestone! 🎉 Hello TF Family, Today (22nd March, 2025), we are thrilled to announce that TechnoFino Community has reached 50,000 registered members! 🚀 Our journey started on February 20, 2022, and in just three years, we've built India's leading banking & finance community—without any paid promotions, free giveaways, or artificial traffic boosts. Instead, we've grown organically, thanks to our quality content, authentic information, and...

Hello TF Community Members, We are excited to introduce a range of badges for you to collect and showcase on your profile! You can find the complete list of available badges here: TF Community Badges Most badges (except a few) have three levels—Silver, Gold, and Elite Infinite. Based on the eligibility criteria, you'll receive the corresponding badge. Check the badge list to see the eligibility requirements for each badge. Some badge categories will be awarded manually. Check the...

A few days ago, a friend of mine purchased Amazon Pay Gift Vouchers (AGV) from a stranger in a Telegram group. The seller was offering a 10% discount, which seemed too good to pass up. Sensing potential risk, my friend decided to test the waters by purchasing a small amount first. The vouchers were delivered promptly, and my friend successfully redeemed them without any issues. Encouraged by the smooth transaction, my friend placed a larger order. Again, the vouchers were delivered and...

I recently had an extremely unpleasant and unjust experience at Bank of Baroda (BoB) – Suri Branch, Birbhum, while trying to close my PMJDY savings account and open a BOB Super Savings Account with a platinum RuPay card. Issues Faced at the Bank On 06/03/2025, when I visited the branch for my request, the staff denied service, provided misinformation, and refused to give a written response to my legitimate queries. The key issues were: False Information About Account Closure – They...

Hi Friends, Below are the new income tax slab and applicable rate for FY 2025-26, as per the budget announcement by our Finance Minister dated Feb. 1, 2025. I have also calculated taxpayers' net savings (based on reference income) for your quick reference based on the recent tax cut announcement after a long time. Income Tax Slab & Rate (New Tax Regime): FY 2025-26 (Applicable for filling ITR in July/Sept., 2026) For Individuals (Resident or Non-Resident) less than 60 years of age at any...

Hello TFCians, First of all, Happy New Year to all our wonderful members! I wish that 2025 brings happiness and prosperity to you and your family. As we do every year, we will discuss the best credit cards for 2025 in this article. I have compiled a list of some excellent credit cards, categorized to suit various needs. You can check the complete list here and select a credit card that aligns with your spending patterns and requirements. This will help you maximize value from your spending...

HDFC Bank is offering select credit cards as lifetime free under a limited-period offer. Offer valid until 31st December 2024. The offer has been extended until 16th January 2025. Grab your lifetime free HDFC Bank credit card today! Here are the credit cards available under the lifetime free offer: Tata Neu Plus HDFC Bank Credit Card (FYF) Tata Neu Infinity HDFC Bank Credit Card (FYF) Diners Club Privilege Credit Card Swiggy HDFC Bank Credit Card (Offer Withdrawn) PIXEL Play Credit...

Has anyone tried the Zopper Wellness Program for cashback on the Apple Watch? It claims you can earn up to 100% of the invoice amount back if you achieve 120 points every month for 12 months . A friend of mine already purchased but then real answer would show up after a 30 days once he would Redeemed those Points if Step are more than 30Point in a month. I reviewed the PDF, but I’m wondering: Are there any hidden T&Cs that could make it difficult to get cashback? How reliable is the...

A credit score is a 3-digit number that predicts how likely someone is to repay their debts on time. It’s calculated using a mathematical formula that analyzes a person’s credit history, which includes information such as repayment history, total credit balance, number of loans and credit cards, credit utilization, and more. Financial institutions use credit scores to make decisions about lending money, offering credit, and other financial services. For example, if you go to a bank to...

Hello TFCians, We’ve updated our article, “Best Credit Cards 2025 | Category-wise Credit Card Recommendation By TechnoFino” to reflect changes up to November 7, 2024. With less than two months until the start of 2025, I’ll be posting the "Best Credit Cards 2025" on January 1, 2025, with additional spending and lifestyle categories included. In each category, I will be suggesting a range of credit cards, spanning from lifetime free options to luxurious ones, covering cashback, air miles...