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  1. 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...
  2. 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...
  3. 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...
  4. 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...
  5. 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...
  6. 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...
  7. 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...
  8. 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...
  9. 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...
  10. 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...
  11. cardio_guy

    How to improve the return % on credit cards?

    Hi all, This could be a noob question. I have only cashback credit cards. I have been tracking the cashback percentage on the last few months and it has always been mostly less than 2%. I will list down the cards that I have, this month's bill and cashback received: CardBill AmountCashback...
  12. 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...
  13. 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...
  14. cardio_guy

    Help to understand Smartbuy and Axis gift card portals

    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

    ICICI Card application form incorrect information filled

    I have a question. I have a salary account with ICICI bank, Recently the bank staff told me I could apply for an LTF card, so I told her to proceed. She just asked me for some basic details such as my father's name, mother's name, spouse's name, etc, and finally, she told please share the OTP to...
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