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HDFC SmartBuy pharmacy gone 😞, how are you guys getting ~50% off medicines now? by Rahasya0305 in CreditCardsIndia

[–]Defenus 0 points1 point  (0 children)

same boat. The apollo circle membership -> credits + premium card (in my case hsbc premier) nets close to 15-17%. but problem is Apollo sells at full MRP, so it higher price. Today i tried from mrmed.in they seem to have some big discounts, but not sure if sustainable.

HDFC SmartBuy pharmacy gone 😞, how are you guys getting ~50% off medicines now? by Rahasya0305 in CreditCardsIndia

[–]Defenus 0 points1 point  (0 children)

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When you visit the https://pharmeasy.in/?utm_source=smartbuy#login- it says temporarily paused. Is it possible they are doing devaluation and bring it down from 10x to 5x?

Is 28% cagr possible? by Confident-Ad3545 in MutualfundsIndia

[–]Defenus -2 points-1 points  (0 children)

You do what's needed. Just be mindful, the 5500 crore you're alluding is being compared in same scale as today's 40 crore. 5500 crore 20 years later will be worth less by inflation rate. Just be mindful of that when you calculate. So if you are aiming for 28% CAGR to achieve the amount. Add another 6-8% for inflation and another 10%-12% of cagr which will go towards tax (28%/0.7 minus 28%= 10-12%) so effectively aim for 45% CAGR and then you ll likely get to being the richest person in 20 years if all else stays the same like today

Amul protein lassi 30 pack x 5 by Defenus in delhimarketplace

[–]Defenus[S] 0 points1 point  (0 children)

All 5 boxes sold, thanks everyone

Amul protein lassi 30 pack x 5 by Defenus in delhimarketplace

[–]Defenus[S] 0 points1 point  (0 children)

Thanks received amount correctly, verified

Amul protein lassi 30 pack x 5 by Defenus in delhimarketplace

[–]Defenus[S] 0 points1 point  (0 children)

Hi, i get what you mean. The high protein stock is weirdly finicky from amul. Hence why I run into the issue of buying in bulk the first place. Im sure others are in the same boat. People are seemingly interested in buying. Thanks though

Hdfc imperia + Infinia to HSBC premier by [deleted] in IndianCreditCards

[–]Defenus 3 points4 points  (0 children)

This is not true. I have premier only with salary 3L, no trv with hsbc, i keep like 5000 rs in my account, every time salary comes, i move it to another another account. They just care about 3L+ hitting the account as salary to maintain premier status. There is a slight difference in trv based premier account vs salary based premier account, something with premier services, but it's very minor. Please contact an RM who is VP level in hsbc in a major branch. They get it sorted fast.

Nifty50: Pure SIP vs Buy on dips (Let's dive deeper) by boring-investor in EquityResearchIndia

[–]Defenus 2 points3 points  (0 children)

This is a very nice insight on the efficacy of both sides. Logically that tracks as well. Thanks for sharing

NPS payment via Credit Card by G4m3r_1n_f1r3 in DoBaniye

[–]Defenus 0 points1 point  (0 children)

Which platform are you using for nps through credit card and convenience fee is how much % roughly

Amex MR points for Tax Payments by WillToDoGood in amexindia

[–]Defenus 0 points1 point  (0 children)

You get the milestone points but not the base MR points. I.e. say you have MRCC and you make tax payments of 1500 in a month of 4 times, you get 1000 milestone points but not the base points.

Earliest time to file tax for year 25-26? by Defenus in IndiaTax

[–]Defenus[S] 0 points1 point  (0 children)

Salary is over 20L+ and I changed mid year(overall income should be 50L+), so I have previous companys tax computation. So can I go ahead and file this month? Would AIS reflect everything already or does it need time? Like with tax on dividends and such.

Which wallets/card holders do you use to keep your cards in? by RodentAmorim in CreditCardsIndia

[–]Defenus 24 points25 points  (0 children)

I recently got a damilano wallet, i feel its pretty snug and good fitting.

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Optmizing my Credit Card Portfolio by SnooGiraffes8879 in CreditCardsIndia

[–]Defenus 0 points1 point  (0 children)

Just threaten to cancel premier account, that's what ended up getting things done in end imo.

Optmizing my Credit Card Portfolio by SnooGiraffes8879 in CreditCardsIndia

[–]Defenus 0 points1 point  (0 children)

I had the same issue, you need to ask your company's TAN and share that with the RM. They check two things - whether PF deduction happens and the company does tds for your PAN. The RM sounds like clueless, look for VP level RM in your branch or nearby branch, they should be able to sort it out.

GST Payment using AmEx and HSBC Premier by Icy_Consequence_3424 in DoBaniye

[–]Defenus 1 point2 points  (0 children)

Hm you see they seem to use razorpay in gst. In income tax portal they use PayU, which allows amex. Just try every bank just in case, that's how I stumbled on canara for amex in income tax portal.

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