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  1. cardio_guy

    Thank you so much. I will wait. Another issue I have is - the bill generation date is on 12th...

    Thank you so much. I will wait. Another issue I have is - the bill generation date is on 12th. So most probably the refund will come after the bill is generated. I am not sure if I will have to pay the amount, or Axis will treat it towards the outstanding. (I am OK even if I have to pay the...
  2. cardio_guy

    Help needed on a failed online transaction - I made a purchase on https://adishwarestore.com/ I...

    Help needed on a failed online transaction - I made a purchase on https://adishwarestore.com/ I made the payment using Atlas CC but it didn't reach the website, and failed. I contacted the store customer care but they are not able to find this transaction at their backend. How and when do I...
  3. cardio_guy

    HDFC Marriott Bonvoy Credit Card Review

    I think that's mainly because nobody uses this card actively. People just take it and keep it in drawer. Reward-wise it is not very attractive. Just helps to get Marriott FNA + 10 nights + silver + lounge access. Apart from that, it is useful for heavy marriott users, not so exciting for others.
  4. cardio_guy

    HDFC Marriott Bonvoy Credit Card Review

    I got the card in June, joining benefit of FNA and 10 nights not credited yet. Joining fees paid in August bill. Card spend points also not credited yet. Overall very slow process. Never experienced this with any other HDFC product.
  5. cardio_guy

    ICICI Bank Account Opening Experience - Comprehensive Discussion

    Surprisingly, when I logged in to ICICI netbanking today, I saw that the account is upgraded to Wealth Banking. I didn't get any email or SMS. I don't know when this change happened. I called customer care 18001080 and immediately call was transferred to phone banking officer. Didn't have to...
  6. cardio_guy

    Suggest me a CC

    Hello, I have almost the same spends and same cards as of you. The only difference is I have Atlas instead of RG. Plus I have Swiggy HDFC. Infact with RG and TNI you can cover almost all of your expenses. It would be good to consolidate all your spends to 2-3 cards so that you can easily hit the...
  7. cardio_guy

    Your most used 3 credit cards?

    As of now, my top 3 cards: Axis Atlas - All offline and online spends, gift vouchers (2EM/100), hotel bookings (5EM/100). HDFC Tata Neu Infinity - UPI Scans (1.5%), Tata brands & bigbasket purchases (10%). HDFC Swiggy - Swiggy, Instamart, Dineout (10%), Online spends (5%)
  8. cardio_guy

    F I R E - Financial Independence, Retire Early.

    That 3 slider thing is what I remember Time Money Energy One will not have all 3 of this at the same time. Early career time and energy will be there but not enough money. Peak of career money and energy is there but no time to spend for ourselves 60+ time and money is there but physically...
  9. cardio_guy

    Help me understand reddit and discord. What exactly are these? how to use them effectively.

    Help me understand reddit and discord. What exactly are these? how to use them effectively.
  10. cardio_guy

    SBI Virtual DC Rewards - Query & Discussion

    Any extra convenience fees or charges for paying utility bills/mobile recharge?
  11. cardio_guy

    SBI Virtual DC Rewards - Query & Discussion

    What are people using the SBI rewardz points for these days? As it cannot be used for paying bills, what else do you use them for? Buying AGV needs huge balance. What else?
  12. cardio_guy

    Google Pay- Cibil - predict your score

    I had highlighted an issue that Gpay is not able to fetch my Cibil score. I started seeing this issue sometime from Dec 2024 onwards, and I had posted all updates here. As a last try, I contacted all possible levels of support at Google and Cibil, excalated to different mails and all sort of...
  13. cardio_guy

    HSBC Salary Account Opening Experience - Discussion

    Due to all the bad experiences from HSBC - notoriously slow process, dead slow app and website - I am not feeling like applying for TravelOne and Premier. The card maybe good, but the bank is horribly slow. Sadly I have to ignore the card because of the bank.
  14. cardio_guy

    ITR processing delay. "Has your ITR been processed yet?"

    I filed 6 ITRs for family yesterday. (all ITR-1) The ones without refunds processed within 20-30 mins. One with refund processed with refund within 8 hours. Yesterday night e-verified, today morning processed, and refund amt came in bank account also.
  15. cardio_guy

    Hidden Secret Special not-so-popular facilities in airport lounges

    Apart from free food and sofas, there are some hidden secret unknown special facilities in many lounges. I have collected some of these from X. 1. Full body Massage chair in Ranchi airport lounge - Airr Lounge at Birsa Munda (IXR) 2. PS5 Gaming station in Delhi airport lounge - Near Gate 41...
  16. cardio_guy

    HP Pay App - Wallet Load

    how do you load fastag using cc? (wanting to know if there are ways to get extra returns) I have ICICI and IDFC First both fastags, linked them in HP Pay, and Atlas cc. how to proceed?
  17. cardio_guy

    Credit Cards confirmed to provide Cashback for Amazon Pay Gift Balance

    @Joltpost thanks for this thread. Very helpful for people who are looking to buy apay gift cards. I would request you to add some more details - where to buy from, is there any surcharge, what's the maximum amount we can buy, additional fees to be paid etc? Seomthing like this: Card nameWhere...
  18. cardio_guy

    How did you move from cashback to reward points card? Share your story

    If Atlas dies, what next? this is one burning question and topic all over X and TF these days. The main reason is that Atlas was great in earn rate and burn rate. 4% earning on a normal card is something special. And Lot of transfer partners and easy to transfer to any. Can buy gift vouchers...
  19. cardio_guy

    Error in SBI Credit Card Bill Payment

    Thanks for the tag, @Arkapal Sen. I have faced this problem with my Federal Celesta card. BBPS is not able to fetch the bill details with lst 4 digits and mobile number. You can try other options like UPI or NEFT to make payment. See this thread for more details...
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