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  1. cardio_guy

    Tata Neu App Partner Brand Tiers - Air India Express, Titan, and Taj

    As all of you might know, Tata Neu app has tier level system within the app for itself - Explorer, Insider, Elite and Legend. Neu Infinity Card holders get 5% on app purchases, apart from 5% on card purchase. That being said, To fully explore neu benefits, we need to enter the Legend tier...
  2. cardio_guy

    Financial Planning for New Year: Tax Year 2026 - Discussion

    So yet another financial year is ending today. Tomorrow onwards, there is no concept of Financial Year and Assessment Year. It is just called as Tax Year. How has been your investments in last year and till now? Are you financially better today than what you were an year back? Are you able to...
  3. cardio_guy

    ICICI Bank Account Opening Experience - Comprehensive Discussion

    My Experience with ICICI Bank Over the past few years, I’ve had multiple interactions with ICICI Bank, including their branches, staff, and customer care. Despite being the largest private bank in India, I’ve found their processes, standards, and policies to be inconsistent and sometimes...
  4. cardio_guy

    Social Media Management / Digital Marketing - Query & Discussion

    Hello everyone, I need a help. A new lodge (rooms for stay) is opening near my home, and the manager and office assistant are not very tech-savvy. I have known them for some time, and recently, they asked me to help with social media management for the lodge. They don’t need anything too...
  5. cardio_guy

    ICICI iLens - Track your applications easily

    Disclaimer: This is an old news, this was launched in November 2022, but there is no thread about this in TF, so creating one. ICICI Bank has launched iLENS, a brand-new portal designed to make tracking your credit card, loan, or any credit-related application easier than ever! ICICI iLens is...
  6. cardio_guy

    Google One subscription: Change payment method - Query and Discussion

    Hello, I need help with my Google One subscription. Let me explain the current situation. I have been making payments for a 200 GB Google One subscription using my Amazon Pay ICICI card, and it has been automatically deducted for the past 2 years. After learning that I can use play balance to...
  7. cardio_guy

    List of Useful Threads and Posts

    Which are some of the useful threads in this forum other than Informative Threads? Some threads that you keep coming back or bookmarked for references? I'll list down some. Please add yours. General Financial and Banking Learnings by @cardio_guy Delights and Regrets of 2024 by @kumars_001...
  8. cardio_guy

    Which was the best birthday offer that you got?

    Hi all, we know that a lot of banks, cards, apps, and websites offering special birthday offer for their customers. You get additional benefits, 10x reward points etc. when you shop on your birthday date, or birthday month. What was the best birthday offer that you have redeemed so far? Or what...
  9. cardio_guy

    Sharing experience of 3-day Trip to Madurai

    My recent 3-day trip to Madurai with my family of four was a whirlwind of excitement and unexpected hurdles. We embarked on our journey by train from Kochi, opting for the comfort of 2AC class. Trains 16343 and 16344. The initial leg of our trip was riddled with booking mishaps. I mistakenly...
  10. cardio_guy

    Swiggy one benefits giveaway - (all valid till 31 March 2025)

    Return Favour: Follow me and Rate my profile: 2 months YouTube premium: (https://www.youtube.com/redeem) Coupon 1: 00ib9s6r7e2dc Coupon 2: 00e9i5es2ns36 3 months audible premium Plus: WU3T-PEFTPF-G4PDB9 Hamleys Rs 500 off on shopping online above Rs 2500: SWGBLCK735JD617K Lakme Salon Free...
  11. cardio_guy

    HDFC Bank launches SmartWealth - an Unified platform to manage your Investments

    HDFC Bank SmartWealth is a comprehensive investment platform with cutting-edge features and a user-friendly interface. Simplifies investing by taking your mental load off and serving as a one-stop shop for all your needs. Helps you get investment-ready across various financial products...
  12. cardio_guy

    Hotel Booking (Less costly, work related) - Suggestions Needed

    As part of my job, I have to attend many conferences, classes, and seminars in different places. These days, I have been traveling mostly once a month for official purposes. Most of the hotel stays are for just 1-2 days. I pay for these stays myself, they are not company sponsored. When...
  13. cardio_guy

    Financial and Banking Learnings

    What are your financial, banking, credit card, etc related learnings of 2024? List of things you learnt new, any new findings, any new hacks etc? My list: Learnt that SBI reward points can be used to pay credit card bills in the rewardz.sbi portal Learnt about Rupay platinum debit card Friday...
  14. cardio_guy

    Help to understand Smartbuy

    Hi friends, Just trying to understand the Smartbuy world. So far I have been only using cashback cards with 1.5-2-5-10% cashbacks on various categories. However, as we move up the card categories, all premium and higher category cards are reward point-based cards. I might get into one of the...
  15. cardio_guy

    HDFC Credit Cards Swiggy HDFC Bank Credit Card – Swiggy Spends Milestone Program

    Swiggy HLM Milestone Swiggy HDFC Bank Credit Card – Swiggy Spends Milestone Program Starts On: 28-11-2024 Expires On: 31-12-2024 Offer Posting Date: 28-02-2025 Swiggy HLM Milestone Swiggy HDFC Bank Credit Card – Swiggy Spends Milestone Program Starts On: 28-11-2024 Expires On: 31-12-2024...
  16. cardio_guy

    Compiling Hotel Membership Programs

    Compiling the Hotel Membership Programs: HotelMembership LevelsURL Accor ALLClassic, Silver, Gold, Platinum, Diamondhttps://all.accor.com/loyalty-program/cards-status-benefits-details/index.en.shtml Mariott BonvoyMember, Silver, Gold, Platinum, Titanium...
  17. cardio_guy

    Premium and HNI Banking Compilation

    Compiling a list of premium bank accounts along with links to the respective banks' websites. Each bank has different eligibility criteria and requirements for Average Monthly Balance (AMB) and Total Relationship Value (TRV). Will keep updating this list and provide insights on which bank offers...
  18. cardio_guy

    Air India Express domestic flight - cabin baggage restrictions

    Hi All, I have booked a domestic flight from BLR-COK for next week. I see a strange requirement in the list of things to take care. Note: Except for medical devices, electronic devices which are larger than a cell phone/smart phone cannot be carried in the cabin of the aircraft. • Note...
  19. cardio_guy

    Do you agree in using the loopholes of banks?

    There are many loopholes in banks and credit card issuing agencies. Many times, they exploit customers and people are at their mercy to get what's even legally allowed. But do you think we can use the loopholes in their terms and conditions to the maximum and enjoy the benefits? Is it morally...
  20. cardio_guy

    HSBC Salary Account Opening Experience - Discussion

    Hi All, So after using Citibank salary account for more than 12 years, I closed it just before getting converted to Axis. I didn't want to experience axis during the transition. So I opened ICICI Previlege salary account. Used it for 1 year. Soon after opening the account, they upgraded to...
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