suggestions

Hello! I'm a 31-year old lawyer, working in India, looking for credit card suggestions. I've been reading the threads on TF for some time now and found some pretty helpful information here, thanks to all the contributors! Priorities & Requirements: Looking for the right combination of credit...

I need some suggestions to restructure my credit card portfolio. I’m not a fan of cashback cards—my main focus is to collect airmiles and use them for travel. I’m new to this miles journey. Right now, I’m not eligible for Atlas as my salary is ₹70K, but I would like to hold both Atlas and...

We are a family of four, 2 adults and 2 kids. I'm looking for suggestions around countries for my family's first foreign trip. The trip would be sometime early next year. Looking for a country that has VoA or gives visa without much hassles. Want to cover hotels, and if possible flights...

Hi all, I’d love to get some expert feedback and suggestions on my credit card portfolio — whether I’m missing out on value, and if there are cards I should consider adding or trimming. Here’s my current lineup along with usage and fee details: My Credit Cards & Credit Limits 1. HDFC Infinia...

Hi, This is going to be my first RSDC, I mainly wanted it for gym benefits as my gym subscription with cultfit is ending this month. So i will be needing 3 cards for utilizing the benefits for a year, since the benefits are quarterly. I can pay the yearly charges for the card, but cant...

Hi All, I am planning to buy a TVS Jupiter scooter - there are 4 models available in the 125CC category: SmartXConnect DT SXC Disc Drum Alloy Among these I am buying the Disc model -- https://www.tvsmotor.com/tvs-jupiter-125/disc If anyone is using this specific one, please share feedback...

I've been using a Microsoft Surface Go with type cover keyboard as my travel companion since 2018. I'm looking for a suitable replacement. Unfortunately, the latest version Go 4 is already 2 years old and it looks like MS may be discontinuing this particular line. Does anyone have suggestions...

I’ve been using a Realme 7 Pro since Nov 2020. It’s still on Android 12 and my last security update was October 5, 2022 — so almost 3 years without patches. The phone is working well but I just got to know that running such an old security patch level carries serious risks, especially if the...

Hi everyone, I wanted to get your thoughts on a situation I faced recently with Amazon Pay ICICI credit card cashback on ISHOP. I made two transactions in February and, like many others, didn’t receive the promised cashback. I followed up with over 20 emails across three months, but kept...

I would require a credit card based on the below spending. Existing cards HDFC Millenia Flipkart Axis Bank Credit card Declined Cards by bank HSBC VISA Platinum(6 months cooling time) SBI Cashback card(3 months cooling time) Spending patterns Monthly 5-6K fue l(Indian oil is near and I...

hello everyone someone known to me need to do car down payment of 8-10 lakhs using credit card so pls suggest some good credit cards for the same

I have a vacation coming up in September. I am new to this miles game. I did have Atlas and accumulated like 13k EM. Coming to the point, if I book an Accor property using the Accor Hera program and I pay at the checkout at the hotel using my Atlas CC, will i get 5EM/100? What about forex...

I will be closing the Plat Travel CC in a couple of months. Have around 200k MR points that I will be transferring to Mariott Bonvoy before card closure. Question: If I take the HDFC Mariott Bonvoy CC, will I get the Marriott Bonvoy Silver Elite Status benefits when I book stays using AMEX MR...

Hi guys, I have 34k MR points and want to redeem them for best value. I know in Gold collection redemption for AGV, I would get 1Re = 3 MR, is there any other way where I can fetch more? Like if anyone wants to buy MB points? As I am not a frequent traveler so not needed MB or airline mile...

I am currently experiencing financial difficulties and have a query regarding loan settlement and its potential impact on my credit profile and future financial options. Background I have an outstanding EMI balance of ₹80,000, for which I have been offered a settlement amount of ₹39,000. I also...

Need help in choosing best individual current account. Requirements 1. Should be opened with just aadhar & pan, has no business proof 2. Need free cash deposit limit min 2Lakhs 3. No physical verification 4. Can maintain mab upto 25k Options so far 1. Hdfc biz lite 10k mab 2L free cash deposit...

Hey folks, I’m currently evaluating my credit card portfolio and looking to either add a new card or remove one or two that are redundant or underperforming. I’d really appreciate any feedback or suggestions based on the cards I already have and my usage patterns. Here’s my current lineup...

Hi TF Members, I wanted to share an ongoing issue with ICICI Bank regarding a mis-selling experience and request your inputs on how to proceed further. --- 🔹 Background: Earlier this month, I was offered an ICICI Rubyx Credit Card as Lifetime Free (LTF) by a bank representative...

Hi everyone, I wanted to share my experience with HDFC Bank regarding their Swiggy Credit Card and get your opinions on whether I should proceed with this card or push further. Quick Summary: Back in Sept 2024, I inquired about getting the Swiggy HDFC Credit Card as a floater (shared...

Hey Fam! Currently I hold these cards, need suggestions, which one to keep and which one shall I close - HDFC Regalia Gold LTF - 4.4L CL (Primary card) HDFC Tata Neu Infinity LTF - Shared CL with RG (Primary UPI Card) ICICI Apay - 4L ICICI Coral Rupay LTF - 4L ICICI Sapphiro Dual LTF - 4L (All...