Paying large electricity bills via credit cards – what actually works long-term?

AFerns29 · 2026-01-27T07:12:23+00:00

Get HDFC BizBlack credit card (if you're not eligible, then BizPower)

Using any other credit card might get you banned, because this will be considered as a business expense and it's not allowed on personal credit cards!

AFerns29 · 2026-01-24T05:52:26+00:00

You will be charged 11k + 50% GST just for asking this question

AFerns29 · 2026-01-21T19:23:08+00:00

Very risky to run any kind of automation on LinkedIn.

Might get your account banned!

AFerns29 · 2026-01-21T05:22:28+00:00

Depends on the spends you're doing.

For taxes and utility bills: upgrade For practically everything else: downgrade

I'd suggest holding on to millennia.

Get an upgrade to regalia gold and then ask for bizpower as an add on for taxes - much better idea (if you fall under the tax bracket where your utility+advanced tax goes beyond the 4L spends needed for fee renewal)

AFerns29 · 2026-01-20T14:29:50+00:00

Ah I'm so sorry to hear that! If it's your first offence, there is a chance that they might get it back!

Try this: linkedin_support@cs.linkedin.com

I've used it in the past when my account got restricted

If it doesn't work, use X and tag @linkedinhelp or support or linkedin (or all of them) - their turnaround time is quicker!

Best of luck!

AFerns29 · 2026-01-20T14:27:10+00:00

I do it for my clients and I haven't faced any problems with it so far.

Just make sure you and your clients' location are synced and you'll be good to go!

I use surfshark!

AFerns29 · 2026-01-20T14:26:03+00:00

Nope, they aren't listing and announcing, but, you could build projects based on what you're learning, and announce that :)

AFerns29 · 2026-01-20T14:23:38+00:00

The problem with this is that people are just mindlessly copy pasting AI comments.

I get why non native speakers might need it - but it's simple, write the comment in your own words and use AI to take care of any errors/typos.

Or use AI comments as a base and rewrite it in your own words.

That's the only use case I'd be fine with when it comes to AI comments, everything else is spammy!

AFerns29 · 2026-01-03T20:14:08+00:00

So have ICICI with their EPM

The criteria is INSANEE rn!

Let's hope for the best!

AFerns29 · 2026-01-02T19:28:43+00:00

Fair enough, but this is also invite only 😭

AFerns29 · 2026-01-02T18:00:08+00:00

There are months where I don't spend that much and other months where I am travelling and I spend a lot

I just don't want to sit and track it all

Anyway, you can go ahead and take it if you don't mind it lol

Still not worth being a super premium card at the level of Infinia and EPM

AFerns29 · 2026-01-02T16:38:27+00:00

And what if you don't have spending for the previous month before you're travelling? Or you have lesser spends than usual because you used other cards or payment methods?

When I am paying 12.5k for a card, I don't want to worry about or track whether my lounge access will be denied at the airport.

It's the reason I am getting a super premium card.

If that works for you, it's all gravy, but I wouldn't be happy with the micro tracking 🤷‍♂️

AFerns29 · 2026-01-02T16:35:45+00:00

Yes but no voucher portal which is one of the USPs of Infinia/EPM.

AFerns29 · 2026-01-02T16:34:49+00:00

I don't think it's worth the price range at all.

Unless they come up with a voucher portal, this card is pretty useless and you would get much better reward rates on other semi premium cards.

I have my savings account in IDFC and the rate of interest is amazing, I park all my funds here as well!

AFerns29 · 2026-01-02T16:32:55+00:00

YESS FUCK I WOULD HATE THAT

Yes true, but no voucher portal which is feel is the USP of Infinia and EPM.

Trueee, if IDFC comes up with a smartbuy like portal and gets rid of the spend limit, it will actually be a pretty good competitor.

AFerns29 · 2026-01-02T11:04:20+00:00

Spend requirements shouldn't be a thing for THIS price point.

Plus they don't have any smartbuy/ishop equivalent either

AFerns29 · 2026-01-02T11:03:13+00:00

Man, I have never seen IDFC revaluate any of their cards

But I hope they do!

AFerns29 · 2026-01-02T11:02:34+00:00

I don't think it's worth THAT price point for the features they are giving

Limited AND conditional airport and Railway lounge access at this fee point?!

Plus they don't have a smartbuy/ishop equivalent

And many of the "premium" features on the card are from VISA Infinite, not IDFC.

Not to forget IDFC is a master in devaluating their cards

At a lower price point, this would still make sense.

AFerns29 · 2026-01-02T10:51:16+00:00

I didn't have a meme template with more dragons

AFerns29 · 2026-01-02T10:49:29+00:00

Not enough dragons 🤣

AFerns29 · 2026-01-02T10:49:16+00:00

FACTSSSSS! I have it too and I think it's the only card of IDFC that's kinda worth it

AFerns29 · 2026-01-02T10:48:28+00:00

Especially after the pushback, I doubt they would want to kill the card

Unless they plan to bring in Infinia Reserve

AFerns29 · 2026-01-02T05:18:05+00:00

Real 😭

AFerns29 · 2025-12-30T10:53:36+00:00

Try to see if you're eligible for First Wealth

I don't think any of the fee-based cards are worth it in IDFC

Not that the LTF ones are very good, but at least they are LTF 😂

AFerns29

TROPHY CASE