advice

Hi All, I'd love to get some feedback from people here. This is what my current portfolio looks like :- CardChargesUsecase HDFC Swiggy MastercardLTFSwiggy/5% on some sites HDFC Regalia VisaLTFOldest card, HDFC Core Card Discounts ICICI Coral RupayLTFICICI Core card discounts Amazon...

If someone is doing international travel for the first time (irrespective of reason, work/leisure/study, etc). What travel advice would you experienced folks give here?

I need your advice on accepting compensation in a credit card mis-selling / unauthorized issuance case. I had filed a complaint in April 2025 against BOB Financial because a co-branded RuPay card was issued on my bob card primary account but in the name of my family member without my consent. I...

Hi all, Looking for some advice based on a recent experience with a fraudulent credit card transaction. I was purchasing a product on a website and the payment page showed just 5 rupees as the amount. However, after entering my OTP, I found that about 10K rupees was debited from my card. I...

I hold following bank accounts - Indusind Pioneer Savings a/c - visa infinite dc & pinnacle cc Kotak Privy Platinum - White cc SBI Platinum Savings a/c - PPF a/c mainly Canara aspire a/c (zero mab) - For Rupay Platinum Millenia debit card (lounge benefit + swiggy one lite + LTF till 28 age) &...

Hi All, I made a bit of a blunder and completely lost track of my Accor points’ expiry date due to some parent's health issues over the past few months. I wasn’t really able to focus or keep up with such things. When I recently checked, I realized that all my points around 30,000 had expired...

Hi everyone, We took an education loan of ₹32 lakhs for studying abroad. The bank asked us to submit all the required documents, which we did — except for the TT copy. The TT copy basically shows when (and if) the tuition fees were paid to the college. If the fees haven’t been paid, the bank...

Hi all, I’m planning to buy a commercial plot in Punjab for around ₹30 lakh. My current plan: Take a personal loan of ₹30 lakh at ~10% interest. Use the funds (or part via credit cards) to pay the seller. I was thinking of using a high-limit credit card (e.g., Axis Atlas, American Express...

Hey everyone, Sharing an ongoing issue I’m facing with ICICI Bank Family 360 — and would love some advice from others who’ve dealt with something similar. ICICI has been repeatedly deducting NMAB (Non-Maintenance of Average Balance) charges from my savings accounts even though I clearly...

Hi everyone, I need some guidance on preparing my salary slip for my family-owned business. I’ll be transferring a fixed amount every month from the business account to my personal account as salary. My main goal is to structure the salary breakdown in a way that shows the highest possible and...

Hi everyone, I’m exploring opportunities as an independent sponsor and looking for guidance on how to connect with the right capital sources. Specifically, I’d like to hear from those who have successfully built relationships with independent sponsor equity investors. What strategies worked...

Hi everyone, I have an upcoming insurance premium of around ₹2,00,000 and want to use it smartly with the right credit card. From what I know, cards like HDFC Infinia/Diners, Axis Magnus/Reserve, and Amex Platinum/Gold Charge are often considered for big-ticket spends. But I’ve also read...

I’m reviewing my credit card lineup and could use some input. Current cards & usage HDFC MoneyBack+ (paid) – Took this in college because it was the only option. Barely use it now since the reward rate is poor. Tata Neu Infinity (paid) – UPI spends, Air India flights, Westside, occasional...

Hello all I have an Infinia and am looking for help/advice whether to use just that or add an Axis Atlas card: I have about 12-15L of spends in 1 year. I spend about 2L on smartbuy-gyftr vouchers each year (but could/should 'up' it to 3L). That leaves ~9L of non-accelerated spends which is...

Hello everyone. I need some advice regarding which is a goof salary account if one has a net salary credit of 2.5 lakhs INR per month. I am having ICICI wealth management account at present but not at all happy with services and features. They aren't even giving me a basic ltf cc. I am thinking...

I Want To Review My CC Portfolio Which Credit Cards Should I Close or Keep And Add New LTF CC List Of CC Portfolio Which I Have 1) Hdfc Bank Millennia Rupay (LTF) 2) AMAZON PAY ICICI (LTF) 3) ICICI CORAL RUPAY (LTF) 4) SBI SIMPLY CLICK (LTF) 5) AU LIT CC (LTF) 6) YES BANK ELITE (LTF) 7) BOB...

Hi everyone, I'm from a Tier 3 city, where unfortunately IndusInd Bank credit cards are not directly serviceable. However, I currently hold an IndusInd Select account along with a ₹2L fixed deposit. Recently, my Relationship Manager (RM) approached me with an offer: If I open a ₹3L FD, he...

Hey folks, After a lot of YouTube and article hopping, I'm planning to pull the trigger on a new phone with a budget of around ₹40k. This will be my first time using an iQOO phone, so looking for some community wisdom here. My requirements are pretty straightforward: Good day-to-day...

I got my Standard Chartered Smart Credit Card on April 16, 2025. One of its features is that for the first 90 days, you can pay just the minimum amount due without incurring interest. I followed this and paid the minimum amount for the first statement. In June, I requested to change my billing...

I have 21 credit cards and the total limit is now 75L. I've decided to close a few to reduce leverage because some banks don't seem to be willing to give cards if someone has too much credit limit. The cards I intend to close are: 1.BOB Onecard: good limit, but pretty useless now 2. RBL world...