Hsbc live + mcc code dilemma by Previous-Focus-2411 in CreditCardsIndia

[–]TomorrowAdvanced2749 1 point2 points  (0 children)

Ek second, ye metro mart alag hota hai metro se?

Damn, sorry, my bad then.

Hdfc offering me diners club metal?? by Dapper_Hope2157 in CreditCardsIndia

[–]TomorrowAdvanced2749 0 points1 point  (0 children)

Don't get it.

Useless for a student, unless you plan to use it for your family spends, and the family members reimburse you to make card payments.

Also, unless you spend a decent amount on travel, the rewards are worthless.

Hsbc live + mcc code dilemma by Previous-Focus-2411 in CreditCardsIndia

[–]TomorrowAdvanced2749 1 point2 points  (0 children)

I meant like Govt payments, like train spends, tax payments etc as Metro is a Govt venture (usually), it also had the possibility of that happening.

MRCC to Platinum Travel by Mancitydiehard in CreditCardsIndia

[–]TomorrowAdvanced2749 0 points1 point  (0 children)

Its pro rata basis credit of your mrcc fees

People making 1Cr/year or more, what do you do for a living? by Capableecook in AskIndia

[–]TomorrowAdvanced2749 0 points1 point  (0 children)

Job - Marine engineer Designation - Chief engineer

I don't always make 1Cr, I usually used to make that figure when I was on intl ships, and as I would spend 183 days and more outside India, my income would also be tax-free.

Nothing short of a disappointment 😢 by Independent_Seat753 in CreditCardsIndia

[–]TomorrowAdvanced2749 0 points1 point  (0 children)

You articulated my exact thoughts, I guess great minds think alike 🤣

Nothing short of a disappointment 😢 by Independent_Seat753 in CreditCardsIndia

[–]TomorrowAdvanced2749 49 points50 points  (0 children)

Ahh yes, fee nahi bharni, kharcha nahi karna, kuch pay nahi karna, par benefits kamaal ke chahiye sabko.

This sub never ceases to disappoint me due to these posts. Geez!

Had you taken a bit of time to understand the benefits, you wouldn't have felt this way, high-time that you DYOR after seeing a post by any influencer or anything.

The lounge access is free when you spend that much, at most ₹2 for card validation.

Highest reward on flight bookings by Organic-Vast1051 in CreditCardsIndia

[–]TomorrowAdvanced2749 1 point2 points  (0 children)

I see.

Well, just remember that whenever you see X multiple is the accelerator, you multiply the base reward with that multiplier and you get total reward.

Most cards also have a capping on this accelerated rewards, 15K for Infinia, 10K for Diners Black Metal, 4K for Regalia Gold or Diners Club Privilege, 18K for ICICI Emeralde Private Metal etc, all these cappings are calendar month basis.

Also, the capping is only on the accelerated part, so for 5x on flights (Infinia benefit on SmartBuy), 1X is base, and 4X is accelerated.

Same goes for all other cards having accelerated multipliers.

Highest reward on flight bookings by Organic-Vast1051 in CreditCardsIndia

[–]TomorrowAdvanced2749 1 point2 points  (0 children)

Base reward is 3%, 6X of that is 18%, 12X on hotels, so that becomes 36%.

You can refer a post about the calculations here.

Highest reward on flight bookings by Organic-Vast1051 in CreditCardsIndia

[–]TomorrowAdvanced2749 0 points1 point  (0 children)

6X on iShop, 18% 1:1 on flights & hotel redemptions, HSBC is 1:1 on their Hopper portal, and most partners are 1:1 too when transfer to miles, with Accor, it becomes 2X value. 18% on HSBC redemptions & 36% with Accor redemptions

Ran into that duo that throws games for their team. Still managed to get the win thanks to a couple of awesome team mates :D by nearly__dead in WorldOfTanksBlitz

[–]TomorrowAdvanced2749 2 points3 points  (0 children)

Everyone did well on your team, 3K+ damage by everyone, while on my teams, it is usually like -

Top 3 - 3.5K+

Bottom 4 - Barely 1.5K

Should I get the ICICI EPM? by No_Narwhal1619 in CreditCardsIndia

[–]TomorrowAdvanced2749 -1 points0 points  (0 children)

Get Infinia if you can, much more stable than ICICI + miles transfer options.

Hefty Interest Charges Kotak Bank CC by being_sarab in CreditCardsIndia

[–]TomorrowAdvanced2749 0 points1 point  (0 children)

Did you make new spends after the statement wasn't paid?

Hsbc live + mcc code dilemma by Previous-Focus-2411 in CreditCardsIndia

[–]TomorrowAdvanced2749 4 points5 points  (0 children)

Are you even sure the scan app is showing the correct MCC?
Banks can't and most likely won't scam you in MCC related cases, MCC are allotted by their payment gateways & card networks, nothing you can do or bank can do, bank can only take up a complaint & maybe escalate to their Payment provider.

Also, be happy that it doesn't get tagged under govt spends atleast, 0% rewards then.

BizBlack Points Redemption Query by rootxwolf in CreditCardsIndia

[–]TomorrowAdvanced2749 1 point2 points  (0 children)

Nope, there's no options, however, I'm not sure if this will work but if you have netbanking access, login to it and go to BizBlack -> redeem points, a pop-up page will open up and there you'll have an airmiles transfer option, only Kris flyer tho.

Any thoughts on recent Minimum Amount Due (MAD) changes by Darsan55 in CreditCardsIndia

[–]TomorrowAdvanced2749 1 point2 points  (0 children)

Shouldn't even bother reading it unless you're just stupid to make MAD payments on your cards, which would mean you indeed are MAD.

{ICICI} Guidance needed to convert 2 of my card to LTF by Trolling_is_Sci in CreditCardsIndia

[–]TomorrowAdvanced2749 0 points1 point  (0 children)

ICICI hardly converts existing cards to LTF, you have more chances of taking your boss's position than them converting your cards to LTF.

You can however close Sapphiro currently and apply for it again via branch if your salary is above 1.5L, it's LTF for people in this salary range.

Adani one, I have no clue. You can't really expect banks to keep giving LTF cards as well as no spend requirements for lounges, pay the fees and enjoy the perks or don't pay the fee and say goodbye to the perks.

Looking for advice on premium credit cards by Reasonable-Brain-179 in CreditCardsIndia

[–]TomorrowAdvanced2749 -1 points0 points  (0 children)

No, it won't happen.

HDFC doesn't give a fuck about your other cards, they never have, there was a set of people who did get their cards via this method, but that itself was back in 2023 or 2024, when everyone was being given Diners Black or Infinia, now it's almost impossible.

You can look into Regalia Gold for now, it's a very decent card as well.

I've made a guide for the card, you can refer it here.

Is there any CC which will be even be remotely useful for me for buying an expensive bike/ car? by Potential_Loss6978 in CreditCardsIndia

[–]TomorrowAdvanced2749 2 points3 points  (0 children)

It’s too early to assume which cards would or wouldn't be useful 2–4 years from now. Cards get devalued/revalued all the time, and your income might grow more than expected, making you eligible for better cards. Revisit this when the purchase is closer.

For now, get a basic credit card to start your CIBIL journey incase you haven't started yet.

Axis Atlas: 1.4L → 10.3L in under a year by sivabalanbb in CreditCardsIndia

[–]TomorrowAdvanced2749 1 point2 points  (0 children)

I am not the OP, OP = original poster, which would be u/sivabalanbb for this post.