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  1. cardio_guy

    Why Having Initials in Your Name Can Be a Real Hassle - Query & Discussion

    Many people often face problems because of initials in their names. Earlier, this was not a big deal since most things were handled manually, and people understood name variations easily. But with computerisation and online records, it has now become important to maintain the same name format...
  2. cardio_guy

    What purse/wallet do you use to carry your cards?

    Hey everyone! I just stumbled upon this cool term called EDC wallet - Everyday carry wallet. It got me curious, so I thought I'd start this thread! How do you carry your cards? Do you use a wallet, purse, bag, or just toss them in your pocket? I’ve picked up a couple of things for my cards -...
  3. cardio_guy

    Need help in Accor booking in Kolkata - Query and Discussion

    Hi all, I need a help. We are visiting BiswaBangla Convention Center Kolkata (work related conference etc) next month for 3 days. I am planning to book Accor (Either Ibis or Novotel) through points. I have enough points. Wanted to get an idea which one to book. This is going to be my very...
  4. cardio_guy

    Planning a trip to Chennai - Mahabalipuram - Kanchipuram - Thiruvannamalai

    Hello all, Looking for trip plan, hotel stay, and places to visit suggestions for a family of four (including 2 senior citizen parents) The current plan is to book flight to chennai, get a self-drive car and go to Mahabalipuram. Day 1 - stay in Mahabalipuram Day 2 - Visit some places / temples...
  5. 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...
  6. cardio_guy

    Same cobranded cards by different banks

    It's common for banks to partner with major brands to create co-branded credit cards. These cards are designed to provide specific benefits and rewards that are attractive to a brand's customer base. The trend you've noticed of multiple banks issuing cards for the same brand is becoming more...
  7. cardio_guy

    TVS Jupiter scooter - seeking suggestions

    Hi All, I am planning to buy a TVS Jupiter scooter - there are 4 models available in the 125CC category: SmartXConnect DT SXC Disc Drum Alloy Among these I am buying the Disc model -- https://www.tvsmotor.com/tvs-jupiter-125/disc If anyone is using this specific one, please share feedback...
  8. cardio_guy

    RSDC unused voucher codes giveaway

    [EDIT] [UPDATE]: All vouchers given away. Sharing is caring! I am giving away the following copoun codes. If anyone want, please reply to this thread or DM me. 1. Nykaa 500 Rs 0ff 2. Giva 500 Rs off 3. Zee5 Annual HD plan 4. Ixigo 500 Rs off 5. Gaana annual plan 6. Thyrocare aarogyam 2 health...
  9. cardio_guy

    My credit card benefits and points redemption experiences

    I'm kicking off a thread to share all my awesome credit card benefits redemption stories! BookMyShow ticket booking for 6 people: Today, I booked 6 tickets for the Coolie Rajinikanth movie on Aug 14th at 6 PM! I snagged the tickets at a multiplex close to my place – it’s a PAN cinemas Dolby...
  10. cardio_guy

    Which card you took out of FOMO and later regretted or closed?

    We all come across a lot of credit cards new launches every month and promotions by influencers. When many cards launches many people often think of taking it without thinking too much, whether it would be needed or suited for their spend pattern. These days cards are launched with flashy...
  11. cardio_guy

    Education Fees Through Bank Transfer Using Credit Card - Query and Discussion

    Hello all, I need to make an education fee payment of ₹20 lakhs in the next two months. The institute has provided NEFT details with an account number for the transfer. I'm checking if there’s a way to use my credit card for this payment instead of a direct bank transfer. I came across...
  12. cardio_guy

    ICICI Bank new refreshed net banking interface

    Following the steps of HDFC, ICICI refreshed all pages inside after login. Infinity NXT I didn't see any announcement anywhere, I just logged in as usual today using the old login page link (https://www.icicibank.com/personal-banking/insta-banking/internet-banking). When I clicked Login >...
  13. cardio_guy

    Re-applied for IDFC First Wealth Credit Card

    Old Story so far: This was sometime in late 2023 and early 2024. I had been trying to get IDFC First Wealth through their website directly - but whenever I enter my details, the site was only showing FD based WOW card. It went on for a year and then I got a call from one RM who told if I apply...
  14. cardio_guy

    Going to take my first travel card - Axis Atlas, need some inputs.

    So after a lot of time spent on cashback cards and exploring a lot about travel cards, I finally decided to take the plunge and get into the world of travel card. I had been avoiding Axis for some reasons all this while, but finally decided to take the Axis Atlas card. Most importantly these...
  15. cardio_guy

    HDFC Credit Cards [Discussion] Unconfirmed: Does HDFC Restore Original Limit After Closing Pixel Card?

    I’ve been hearing that if you close your HDFC Pixel card, the credit limit might get released back to your main HDFC card. Apparently, there are 2-3 ways this can happen: 1. It happens automatically after closing the Pixel card. 2. You can write to customer care and request it. 3. If needed...
  16. cardio_guy

    A Quick One-Day Trip to Bangalore

    Just sharing my quick one-day trip from Cochin to Bangalore and back. I booked my onward journey on Air India Express using NeuCoins—didn’t pay anything extra as the taxes were also covered. It was nice that the earned coins appeared directly on the AIX website, so I didn’t have to transfer...
  17. cardio_guy

    Seeking reviews on leg and calf massager

    Hello all, I am planning to buy a leg and calf massager (Agaro or cult). In Amazon the price is around 10k. I am reaching out to see if anyone has bought this item and how are the reviews? Any things to take care before buying? My long term goal is to buy a full body massage chair and it...
  18. cardio_guy

    My HDFC credit card journey and the way forward

    I am someone who spoiled many good chances of getting better cards early on. But HDFC has been overall good to me, and nothing went wrose. When I started my credit card journey, I was not aware about core/cobranded problems of HDFC. I have posted in different threads about these milestones but I...
  19. cardio_guy

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

    Hi All, Most credit card users fall into two categories — those who prefer cashback and those who go for reward points or airmiles. Cashback is simple. The benefit is direct and easy to understand. It shows up as a statement credit or wallet balance, and there’s no need to track or plan...
  20. cardio_guy

    Query on Tata Neu hotel booking charges and cashback

    Hi all, I booked a Ginger hotel in Tata Neu app using Neu Infinity credit card. But the cost structure is not clear to me. I need some help if someone can explain it to me. Base cost: ₹ 4799 Tax & service charge: ₹ 576 Total cost: ₹ 5375 Coupon discount: ₹ 480 Amount payable: ₹ 4895 Neu...
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