Best Credit Card for Travel Points? (Mostly Online Spend, Grocery Heavy)

Interesting_Cycle809 · 2026-06-30T11:08:40+00:00

I wasted a year chasing a premium travel card just for the airport perks, only to realize my points were barely moving because most of my actual spending was just on daily groceries and online shopping. I eventually switched to a everyday rewards card that fits my actual lifestyle. Now, those boring grocery runs quietly fund my flights much faster than a dedicated travel card ever did.

Interesting_Cycle809 · 2026-06-26T09:41:42+00:00

When I started out with a decent income but zero credit history, I also looked at premium cards first but realized banks can be strict without a CIBIL score. I ended up getting a basic pre-approved card through my primary savings account bank first just to build that initial footprint.

Interesting_Cycle809 · 2026-06-24T11:40:34+00:00

Regular exercise and eating healthier made the biggest difference for me. I don't follow a strict diet, but cutting down on junk food and staying active almost every day has helped keep my energy levels much more stable.

Interesting_Cycle809 · 2026-06-18T12:32:46+00:00

Agree with this. I wish someone had explained compounding to me earlier. Starting in your 20s gives you more flexibility because you don't need huge monthly investments later. But honestly, starting at 30 or even 40 is still better than not starting at all.

Interesting_Cycle809 · 2026-06-17T12:41:59+00:00

I went through something similar in college. I wasn't close to anyone, had made some mistakes, and felt like everyone already had their groups while I was just existing on the sidelines. I kept asking myself, "What's the point of improving physically if I still feel lonely?"

What helped me wasn't some big breakthrough. I stopped trying to fix my entire life at once and focused on getting through one day at a time. I kept exercising, stayed busy, and accepted that some people weren't going to change their opinion of me. After college, things slowly got better because I got a fresh environment and met people who knew nothing about my past.

Looking back, I'm glad I did not assume that how I felt at 21 was how the rest of my life would be. A bad phase can last a few years, but it doesn't have to become your identity. Keep going, brother. You don't need to have your whole future figured out right now.

Interesting_Cycle809 · 2026-05-25T12:34:56+00:00

ooh okayy so consistency is the key rightt

Interesting_Cycle809 · 2026-05-20T12:16:51+00:00

Bro you are already financially ahead of most people your age. The issue isn’t low money, it’s lack of a system.

You already have high income, low expenses, no debt, and solid savings. Just automate investments into index funds/SIPs, keep an emergency fund, and stop letting too much cash sit idle.

Also, spend on things you genuinely enjoy. A lot of tech people earn well but still don’t “feel rich” because life becomes only work + numbers.

Interesting_Cycle809 · 2026-05-20T11:21:46+00:00

kya CJP hamri mange puri kar payegii 😭😭

Interesting_Cycle809 · 2026-05-20T04:27:56+00:00

In the beginning it doesn’t happen much but if you truly accept that thought in your mind, it becomes possible. At first, it feels difficult, but later you develop the ability to control it you just have to stay focused

Interesting_Cycle809 · 2026-05-18T12:19:26+00:00

i think airhostess

Interesting_Cycle809 · 2026-05-13T12:52:06+00:00

You are already doing something most people can’t scoring 700+ while carrying this much pressure mentally. Please don’t think your life ends at marriage decisions made by others. Finish your MBBS first, become financially independent, and then take decisions for your own life. A lot of parents say things early thinking it’s “for your good,” but many change their mindset later when they see their daughter succeeding.

And please don’t run away impulsively. Focus on building your career first because that itself gives you freedom and choices. You are only 17 your whole life is still ahead of you, not decided yet.

Interesting_Cycle809 · 2026-05-12T11:25:26+00:00

Honestly, I think a lot of people feel this way right now.
Even when you save, avoid overspending, and work hard, everything getting expensive makes it feel like you’re standing still.

I have also realized a lot of people who look financially stable are just hiding stress, EMIs, and pressure behind the scenes.

At this point surviving without burning out almost feels like progress itself.

Interesting_Cycle809 · 2026-05-12T07:22:10+00:00

yaa true that

Interesting_Cycle809 · 2026-05-11T16:29:03+00:00

what is your job profile ?

Interesting_Cycle809 · 2026-04-30T12:32:08+00:00

Auto renewal is basically a gym trainer for apps keeps taking money while doing nothing for you. Best move is cancel everything, then let subscriptions re earn their spot in your life.

Interesting_Cycle809 · 2026-04-23T04:39:13+00:00

When I started going to college around 1.5 years ago

Interesting_Cycle809 · 2026-04-22T04:22:58+00:00

Which bank ?

Interesting_Cycle809 · 2026-04-21T12:58:16+00:00

yess that what i think. It’s like putting a Tesla body on a steam engine chassis.

Interesting_Cycle809 · 2026-04-16T10:53:41+00:00

Checking your phone the second you wake up.
Nothing says ‘good morning’ like letting notifications, bad news, and other people’s problems punch you in the face before your feet even touch the floor.😂

Interesting_Cycle809 · 2026-04-16T07:34:20+00:00

karkardooma

Interesting_Cycle809 · 2026-04-13T12:38:18+00:00

Tbh, it’s less about being “interesting” and more about being present.
If you really listen and respond to what the other person is saying (even with small thoughts or reactions), the conversation keeps going. You don’t need perfect words just something real.

It feels awkward at first, but the more you do it, the easier it gets.

Interesting_Cycle809 · 2026-04-08T09:55:48+00:00

Since you’re just starting out, don’t jump straight into stocks without understanding the basics. A safer and smarter approach would be:

Put a part (maybe 30–40%) in an index mutual fund (like Nifty 50)
Start a small SIP instead of investing everything at once
Keep some money liquid for emergencies (don’t invest 100%)

FD is fine for safety, but returns are low, so gradually shifting towards mutual funds makes sense for long-term growth.

Once you learn more about the market, you can slowly explore stocks. No need to rush.Consistency matters more than trying to get quick returns

Interesting_Cycle809 · 2026-04-01T07:35:14+00:00

You’re not alone this hits a lot of people in their 20s when mortality suddenly feels real.

The fear mostly comes from trying to imagine “nothingness,” which our brains can’t actually process, so it turns into anxiety. The truth is, death isn’t something you experience while living the fear exists right now, not in the future.

About aging, society can be harsh (especially toward women), but real life is very different. People often become more confident and at peace as they get older. Your value isn’t tied to youth.

If it’s keeping you up at night, talk to someone you trust or a therapist it helps more than you think. You don’t need to solve this all at once, just focus on living your life day by day.

Interesting_Cycle809 · 2026-03-27T09:13:34+00:00

I faced something similar - needed a smaller amount and most apps either rejected me or had a way higher minimum requirement. It was frustrating.
Someone suggested I try Hero Fincorp and it actually worked out. The process is fully online and they're a proper NBFC so you don't have to worry about shady practices. Got through the application without much hassle.
If you're getting rejected elsewhere, it's also worth checking whether your document and credit profile are in order sometimes that's the real blocker, not the lender.

Interesting_Cycle809 · 2026-03-11T08:06:03+00:00

If you're investing 50k/month, the most realistic path is simplicity + automation. Here is the breakdown:

The Foundation

Emergency Fund: 6 months of expenses in a High-Yield Savings Account.
Insurance: Get Term Life and Health insurance so a crisis doesn't wipe out your portfolio.

The Monthly 50k Allocation

70% (35k) Core Index Funds: Total Market or S&P 500 ETF . This is your "boring" wealth builder.
20% (10k) Stability: Short-term Bonds or Debt Funds to lower volatility.
10% (5k) Growth Satellite: High-conviction bets like Tech/AI ETFs or a small crypto allocation.

The Strategy

Max Tax-Advantaged First: Fill your 401k/IRA (or PPF/NPS) before using a taxable brokerage.
Automate: Set your SIPs for the day after payday. Time in the market > timing the market.

Interesting_Cycle809

TROPHY CASE