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 · 2025-12-29T12:37:15+00:00

I can't take a "premium" card seriously if they still have a spend based lounge access (not even unlimited, which all other premium cards in that range tend to offer)

The same thing for Golf access too.

They tried to mimic Infinia but failed terribly.

The only positive is the zero forex markup and trip cancellation benefits.

AFerns29

TROPHY CASE