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  1. 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...
  2. 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...
  3. 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...
  4. 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...
  5. 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...
  6. 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...
  7. 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...
  8. 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 >...
  9. 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...
  10. 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...
  11. 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...
  12. 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...
  13. 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...
  14. 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...
  15. 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...
  16. 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...
  17. cardio_guy

    How are you making the best use of your existing credit cards?

    Hello all, Not everyone can get the best cards like EPM, Infinia, M4B and the likes. Also, not everyone know how to make the best use of their cards. Even those with the bestest of the best cards may be using them in the least effective way such that rewards are not the best. Like for example...
  18. cardio_guy

    Devaluation Amex Emirates Skywards - Transfer points before May 28th 2025

    Potential Devaluation: Apparently, Amex is stopping/discontinuing Emirates Skywards as transfer partner. You won’t be able to transfer Membership Rewards points to Emirates starting 28 May 2025. There is no information on when it will resume. Dear Cardmember, We are committed to...
  19. cardio_guy

    Using other bank credt cards on Tata Neu App - Query and Discussion

    I was always thinking that HDFC Tata Neu infinity card is the best card for getting best prices on Tata Neu app. But recently I noticed that Neu app is giving so many offers and discounts for other cards too. Like for example, 10% instand discounts on ICICI cards on many categories. That...
  20. cardio_guy

    Suggest me a credit card for offline jwellery purchase

    Hello, I will be purchasing a small amount of ornaments tomorrow - (two earrings) for my mom. We will be exchanging one old broken earring and the final cost after exchange is expected to be somewhere below 60k. We will be purchasing from either Bhima or Tanishq (For long time, my mom is...
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