experience

tl:dr; Wire transaction completed in <24 hours, USD-INR conversion rate just 17p below IBR, best conversion rate and least fees across all other banks Timeline : Skip to Act 2 if you already have an IOB account Act 1 : Opening account without visiting the branch > 23 Oct (Thu) : Opened IOB...

Can anyone please share experience which term insurance company plan is better? And how to buy it online through website or bank agent or financial advisor?

I am a salary account holder from a fortune 500 company. I recieved an intresting call from ICICI team, stating they have now added my company which provide me a PRIME 9999 plan for free, which will cut brokarage to 0.07% and some other benefits. Is this something of value? I would love to hear...

Hello TFCians, Recently travelled to Jim Corbett, Uttarakhand and Stayed in Marriott Jim Corbett Resort & Spa which is Marriott Bonvoy property located on the banks of Kosi River and near to RamNagar (Jim Corbett National Park). You have a good view of Kosi River and watch beautiful birds and...

I'm sharing my experience of Delhi T3 Arrival Lounge . Crowd: I was the only person for 1 hour , by the time I was leaving the lounge it had around 5-6 people . Ambience: The lounge is very small but very nicely maintained. Food: Table service is followed in the lounge , you can place the...

After the renovation , there are now 2 Encalm lounges. One on the 1st floor is the one that serves lunch and buffet, while one on the ground floor is primarily for seating purposes! One on the 1st floor is usually too crowded for one’s liking, but surprisingly, very few people actually visit...

Hi everyone, We are currently evaluating ways to enhance the overall experience for our guests and are particularly focused on our Reception services. I’m curious about what strategies or best practices others have implemented to ensure a smooth and welcoming check-in process. How do you train...

Recently, ICICI rolled out its new net banking UI, and honestly, it feels like the worst net banking experience I’ve ever had. Even Indian Bank’s net banking looks and works better than this. The earlier UI wasn’t fancy, but it did the job beautifully. Everything was simple and right there –...

I wanted to share my experience of applying IDFC Wealth Credit Card. I applied using a Cashkaro referral link. The process was extremely smooth and fast which actually surprised me a little. I mentioned my Amex MRCC limit of 7+ lakhs and was instantly offered Wealth and Mayura as top options...

I can write a long essay about it, but I will keep it brief. I renewed my Accor Plus membership in April 2025 with Accor points. I got 20 status nights and silver status. My friends who got the membership and paid with cash got 30 nights and gold status. I didn't realize the significance of this...

Hello TFCians, Recently travelled to Nandi Hills Bangalore and Stayed in JW Marriott Bengaluru Prestige Golfshire Resort & Spa which is Marriott Bonvoy property located on the foot of Nandi Hills and near to Bangalore Airport also. You have a good view of Nandi Hills and Skandagiri Hills. The...

Hi, I just wanted to share my experience with fresh application for axis bank credit card. I'll try to make this post as in depth as possible even for future applicants. I was looking to apply for an american express card - strictly for the card network and limit because I intend to link it...

I have applied HDFC credit card for family member as first time borrower. His credit score is NH. Provided all necessary income proofs while applying. All process was smooth. Biometric kyc within 2 days, physical verifications next day. But today card got declined. Reason they gave is full...

There's a lot of confusion regarding the benefits of SBI PP Black. 1. Utility bills/insurance etc - some people on reddit reported that only OTP based transactions are getting 10% and upi based transactions are getting 1%. ( Both have inconvenience fees which varies) 2. Redemption problem - many...

I just found out about UX4G (User Experience for Government). It's an Indian government plan to make their websites and apps better and easier for everyone to use. It follows rules like GIGW to ensure sites are accessible and work well on phones too. From their website (ux4g.gov.in), here's...

Hello Folks, This thread is review of Lemon Tree Suites (WhiteField, Bangalore). This stay was for a short trip stay and wanted to explore this hotel, and I am sharing experience and reviewing it. Location: https://maps.app.goo.gl/cY523iG6mJJnGiqa7 Entrance & Lobby: Experience: This...

Hello everyone, Mera HDFC me Imperia account hai (1 year purana), and I wanted to share my recent experience regarding a pre-approved credit card offer, which turned out to be quite confusing and honestly, disappointing. Timeline 7 months after opening my account, I got to know (through...

I am a BOB SNAPDEAL CC holder. I am actively using this card primarily but I am noticing that BOB is not crediting reward points on a few UPI transactions. I went through the MITC carefully but didn't find any reason. Hence, I emailed them. Surprisingly, they mailed me the MCCs against those...

Got my first unsecured CC last month - HDFC Pixel Play LTF. I am satisfied with it, no errors or problems so far. Cashpoints received were correct. Got 1% for UPI spends and 5% for Uber (category I chose). Used it on Flipkart to avail HDFC credit card discount, saved ₹1000. No differentiation...

I feel compelled to share my experience with Star Health Insurance, because what I went through might save someone else from the same disappointment. Since September 2022, I’ve been paying ₹73,000 every year for two Star Health policies – one for me and my wife, another for my parents. That’s...