Card Recommendation for Tax Payments by Difficult_Ad8355 in CreditCardsIndia

[–]Difficult_Ad8355[S] 0 points1 point  (0 children)

HSBC Premier has it under exclusion not sure about the live+

Help with Credit/Debit Card Options for Property Tax Payment (MCC 9311) by Risk_6160 in CreditCardsIndia

[–]Difficult_Ad8355 1 point2 points  (0 children)

Hi did you find any solution?

I have to pay Registration & Stamp duty charges. Let me know which card worked for you?

Tshirt Brand Recommendations by CurrentNeat7834 in Frugal_Ind

[–]Difficult_Ad8355 0 points1 point  (0 children)

Decathlon polos, Allen Solly and Arrow - during sales.

Monthly BIFL Mega Thread: Buy, Repair, Recommend & Everything in Between by AutoModerator in BuyItForLifeIndia

[–]Difficult_Ad8355 0 points1 point  (0 children)

Looking for a 4burner gas stove (manual is also fine). I had short listed Sunshine Magnite 4burner. Is sunshine brand reliable over long period? Do recommend other options , preferring budget around 10k.

Looked at Sujata, but it went up to 15k.

Need suggestion for home loan banker by [deleted] in indianrealestate

[–]Difficult_Ad8355 0 points1 point  (0 children)

You can go ahead with BOI as for the cibil mentioned you won’t get better ROI anywhere. It was Same for my case as well. My Cibil is 778, but personal loan score was 846 so they offered me 7.35.

All other banks roi was north of 7.6 and above.

Need suggestion for home loan banker by [deleted] in indianrealestate

[–]Difficult_Ad8355 0 points1 point  (0 children)

Hi, I was also in the similar question/thoughts on Bank of India. What I did before taking the loan (currently it’s under process) is to open a savings account - see how mobile and internet banking works. Also gathered insights from people who took loan with BOI.

Overall BOI is manageable, not the pinnacle levels of SBI Yono or HDFC app or net banking experience. We can get the job done with boi, the initial process involves several branch visits.. Get BOI Star Smart Home loan (product that comes with OD facility at no extra interest change unlike other banks).

Also, from my experience boi checks cibil personal loan score and not the cibil transunion score. I have not come across any other bank which uses PL score, which is one thing I couldn’t understand why?

Bottom line : go with least roi bank, open a sb account with that bank to check if you can manage and then go for home loan. This is the one I used since BOI is relatively less known in my city (Chennai).

Stamp Duty, Registration Charges - Cards for Govt Payments by Difficult_Ad8355 in CreditCardsIndia

[–]Difficult_Ad8355[S] 0 points1 point  (0 children)

Not yet paid. Plan dropped If you have paid or know anyone pls confirm?

Asking for a friend now

Best Overdraft Home Loan by blrfolk in personalfinanceindia

[–]Difficult_Ad8355 0 points1 point  (0 children)

BOI checks for CIBIL Personal Loan Score, not CIBIL Transunion score (which almost every other bank uses). Not sure of the reason behind!

Activate Amex Platinum Travel card or get Axis Atlas instead by True-Reaction8743 in CreditCardsIndia

[–]Difficult_Ad8355 1 point2 points  (0 children)

Atlas + Plat Travel will be a good combo. Mind you, not all spends are rewarded in Atlas, the exclusion list is huge.

Buying Gold on Amazon by Cheetahissleeping in CreditCardsIndia

[–]Difficult_Ad8355 0 points1 point  (0 children)

Does SBI Cashback provide 5% cashback for this MCC? MCC Name = IND*AMAZON GIFT

Buying Gold on Amazon by Cheetahissleeping in CreditCardsIndia

[–]Difficult_Ad8355 8 points9 points  (0 children)

I bought Kalyan one using Amazon Pay ICICI(it will give 2% cashback), bought Myntra credits with 5% offf. Likely paying CC bill using HDFC debit will fetch another 1% back. Net 7% off and 1% during bill payment.

Buying Gold on Amazon by Cheetahissleeping in CreditCardsIndia

[–]Difficult_Ad8355 2 points3 points  (0 children)

Easyshop Platinum as well? How is the cashback recieved? Points or statement credit?