help

Hey everyone, I wanted to share an experience my friend had, and I’m looking for some advice. My friend, who’s serving in the defense, recently visited an SBI branch for an inquiry about locker availability. The branch manager (BM) promised him a locker and also suggested that he purchase SBI...

Is mcc 9399 ( govt spends) eligible for reward points on HDFC bizblack credit card ?

Thank you for applying for an Axis Bank Credit Card. Our executive will connect with you to fulfill KYC requirements of your residential address. What will they do? How many days will they take? What Docs I need? Any tips

I bought Accor China membership on 30th September through Alipay marketplace. As I understand, this comes with 2 stay nights in China & HK. Has anyone redeemed these from India? Need help with retrieving the stay vouchers. As I understand, it can be done only via WeChat and WeChat doesn't...

Monthly Income and Employment status: combined monthly income :13 lakhs Self employed/employed at my own business combined 26 monthly Monthly Expenses & Spending Patterns: 40k on grocery 12k on fuel 65k on insurances 12k on medicine 8k clothing 8k on nykaa 8k Dining out/ entertainment...

Hi all, I am self emplyed and have my current banking with ICICI, as such I am don't have any problem with it but it's just I am not able to get EPM. My current relation with the Bank is savings account, demat (20L+ worth shares), 40L value home loan, 9L car Loan, CC sapphiro LTF. They are...

I have ordered an whp jewellery 24 carat 10 gram from Ajio on 7th October. At price 90000 after discount. I know price was very low compared to market price so I thought it will be cancelled automatically. But on 11th October there is a message received that order has been shipped by Blue dart...

I drive fordfreestyle. It's 5 years old, run for 23000 kms. Recently front tyre got broken and needs replacement. The rest of tyres looks OK. Not much rugged. I need your help on the following points: 1. Should I change single tyre or both front tyres or all the 4 tyres? 2. Which brand is the...

Hi everyone, I just noticed an unexpected CIBIL enquiry on my report and received a message from CIBIL regarding the same. The details are as follows: 📅 Date of Enquiry: 15/10/2025 🏢 Member Name: MIRAEESFSL (Mirae Asset Financial Services Ltd) 🎯 Purpose: Credit Card 📱 Message Received: >...

Hi everyone, I noticed that HDFC is offering the Millennia credit card as lifetime free (LTF) with no joining or annual charges, so I tried applying for it. However, I already have the HDFC Swiggy credit card, and when I submitted the application, I got a message saying: "You already have a...

Hi, I'm planning to buy 3 ACs from Reliance Digital, but I don’t have an SBI credit card to avail the current offer. So I’m considering buying Reliance Digital gift cards via PayZapp instead. I need guidance on: Are these gift cards redeemable offline at Reliance Digital stores? Can I use...

So, I have a LTF moneyback + credit card (which was actually my first CC ever) along with swiggy LTF and neu plus LTF. So, I have been getting the upgrade offer from HDFC to upgrade to Biz Grow FYF, which I obviously refused. But today amongst all the stupid upgrade messages and scam emails for...

I am planning Oman trip December but I am not clear where to apply Oman Visa. Official site allow only if I have sponser, or some big countries visa and I do not have any of them. Seems like it can be done only through agent. Anyone travelled recently who can share their VISA experience ?

I had an NRE account with Axis Bank, which I used from 2015 to 2017. After returning to India, I submitted a written application to close the account in October 2017. I even tried to log in again in January 2018 but was unable to do so, so I assumed the account had been closed. However...

Hello All! I have an ITR 13.4L, CIBIL of 786 and an extensive user of ICICI Emeralde and Axis Atlas. I have been trying to get Amex from a long time but since I live in a non-serviceable Pin Code, idk what to do. I have tried many workarounds (Last attempt in Jan 2025) but none seems to be...

Hi all, I’m planning a 25th wedding anniversary trip for my parents around last week of Jan 2026. A few things to keep in mind: • My dad is a bit concerned about war/conflict zones, so I’m looking for destinations with very low risk of geopolitical tension. (avoiding Thailand, Georgia and...

Hi all, It's my first wedding anniversary coming in March 2026, so me and my life are looking to plan an international trip in South East Asia. I have the Axis Atlas which is roughly 15k points. My mom has the Amex Plat Travel with roughly 50k points and dad has got the BIZ Black recently. My...

Hi all, While booking through TFS website, I noticed multiple lounges listed for Bengaluru airport (screenshot attached). The list includes: 080 Domestic Lounge – West PH1 080 Domestic Lounge – West PH2 080 Domestic Lounge – East 080 Domestic Lounge VIP 080 Arrival (two options shown) 080...

Hi all, I need a help. We are visiting BiswaBangla Convention Center Kolkata (work related conference etc) next month for 3 days. I am planning to book Accor (Either Ibis or Novotel) through points. I have enough points. Wanted to get an idea which one to book. This is going to be my very...

I am having 90,000 payment of insurance coming in next quarter, should I choose Scapia Card and get 2% coins or HDFC Millenia with 1% cashback, and 1000₹ quarterly spend coupon on spending 1 lakh?