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Recent content by k989

  1. K

    My Credit Card Portfolio Review - Suggestions & Discussion

    onecard- keep it.sometimes good offers are there and ltf too. Sbi -just keep one sbi card, keep this or try to upgrade to cashback card. Amex-people promote amex mainly because they get commissions/ bonus points. utterly useless for normal people and even travellers. It is ok for only a...
  2. K

    My Credit Card Portfolio Review - Suggestions & Discussion

    oh and change one of your credit card to rupay variant. will be useful for upi payments . you already have kiwi. perfect
  3. K

    My Credit Card Portfolio Review - Suggestions & Discussion

    Drop Amex is all I would say. Otherwise you have all the good banks, no need of any more cards. You can freeze your portfolio here only. As you use more, maybe you can upgrade when hdfc or sbi gives you some offers. In short, I think it is almost perfect
  4. K

    BUDGET 2025 Discussion | Your Predictions/Suggestions/Reviews/ Outcomes

    everyone gets that rebate. once you cross, you pay tax on the margin by which you have crossed by the slab rate.
  5. K

    BUDGET 2025 Discussion | Your Predictions/Suggestions/Reviews/ Outcomes

    no this is wrong calculation. there is a concept of marginal tax. so if you earn more than 12l your take home will not be less than someone earning 12 lakh. if you earn 1 rupee over 12.75 you go on to actually pay 15%(slab rate on ₹1 that is 15 paisa as tax after same benefits of some one...
  6. K

    Please recommend Android phone (2025)

    buy a phone launched in india after Jan 1st. It will have NavIC which will give you better gps accuracy. Do NOT buy a Pixel. It has numerous software bugs which you will go crazy about. (trust this from a two times Pixel user) + all the older pixels have serious network modem issues. OnePlus...
  7. K

    HDFC banking "NOW"

    can not see image. can you repost?
  8. K

    Best UPI App

    1. Best is BHIM, no nonsese, works all the time. 2. Next is yes pay next.
  9. K

    RuPay JCB Card (JCB Card International Transaction Discussion & News)

    Hi, this thread lists all the Rupay-JCB credit cards available currently. This will help folks who are particularly looking to get a rupay-jcb credit card: 1) all Bank of Baroda Rupay cards 2) all kotak rupay credit cards 3) only SBI co-branded cards are JCB. No core SBI cards are on rupay-JCB...
  10. K

    RuPay Card and UPI offers, Discussion and News group

    HDFC Pixel Play card in now available on Rupay
  11. K

    RuPay Card and UPI offers, Discussion and News group

    @Strange SBI ka jitna ki co-branded cards rupay mein he wo sab rupay-JCB card he. unka sab core cards rupay-discover he
  12. K

    Jio Recharge Plan Hike - Effective 3rd July 2024

    monthly bill wont be 880. It will be 1060. 880 is for 1+2. For 1+3 pax, it is 1060 (499+450+ tax)
  13. K

    Unexpected Convenience Fees with SBI RuPay Platinum JCB Debit Card (Friday Offer)

    interesting. could be a bug. Please do something, whenever your new electricity or postpaid bill generates. Check before paying if the sbi rupay-jcb card shows a convinience fee. Does not have to be a friday. you will see a convinience fee is still there.
  14. K

    Unexpected Convenience Fees with SBI RuPay Platinum JCB Debit Card (Friday Offer)

    I asked some amazon developers in the payments division. apparently when the bin is entered the api returns whether it is a credit or debit_card which just reflects what Rupay returns on quering BIN to Rupay API. A bit confusing, but the root cause is that Rupay is returing the status as...
  15. K

    Unexpected Convenience Fees with SBI RuPay Platinum JCB Debit Card (Friday Offer)

    To clear the confusion, it is NOT fixed yet. i paid my broadband bill same day and was charged a convenience fee.
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