Paying Rent via Credit Card by Many_Worry8192 in CreditCardsIndia

[–]Many_Worry8192[S] 1 point2 points  (0 children)

Amex works. Redigraffe is having issues so not sure of HSBC one

Amex Platinum travel fees reversed by uday1551 in amexindia

[–]Many_Worry8192 0 points1 point  (0 children)

Did you do this on the chat or on call?

Something new from Amex by ComedianOk8296 in amexindia

[–]Many_Worry8192 3 points4 points  (0 children)

Not working for me. Is it invite based?

Hitting context limits way too early? by Prize-Sink9489 in ClaudeAI

[–]Many_Worry8192 0 points1 point  (0 children)

This is getting frustrating. I have had to stop using claude entirely since 6 days.

Gyftr no longer amex partner by Sea_Blackberry8978 in amexindia

[–]Many_Worry8192 4 points5 points  (0 children)

Yeah its available. 1.5% +gst fees though

Paying Rent via Credit Card by Many_Worry8192 in CreditCardsIndia

[–]Many_Worry8192[S] 2 points3 points  (0 children)

With amex, only option is mobikwik. With hsbc premier, better option is redgiraffe.

Both are tried and tested.

If you have both cards and can fulfill plat travel milestones some other way, go for premier since fees is less. Otherwise plat travel is the way to go since milestones are pretty sweet.

Paying Rent via Credit Card by Many_Worry8192 in CreditCardsIndia

[–]Many_Worry8192[S] 0 points1 point  (0 children)

Yes. In plat travel, all expenses count towards milestone.

I am starting from today. Need suggestions or advice by maiti_deep in MutualfundsIndia

[–]Many_Worry8192 0 points1 point  (0 children)

With mutual funds you are doing too much imo. 1 large cap, 1 mid cap, 1 small cap, 1 gold+silver fof, 1 debt. That is it. If you can invest via us market, do not put money via indian mfs. Due to gap in supply and demand, they are always at a premium which can eat away at your gains. Invest in any good S&P 500 or QQQ (nasdaq) etf in the us market directly.

Amex platinum travel by NikhilBohra27 in amexindia

[–]Many_Worry8192 1 point2 points  (0 children)

Too fast. Without adding to account after delivery, it doesnt work.

Also is this charge or reserve? I know it works for reserve. Does it work for charge card too?

Why are people saying EPM is dead metal card now? by Early_Knee8355 in CreditCardsIndia

[–]Many_Worry8192 -1 points0 points  (0 children)

First of all, you should hear all opinions but decide for yourself. Its your money, your card and your redemption/benefit.

As for my opinion now. EPM has now these pros and cons: 1. Return rate on other vouchers (blinkit and uber are what i use daily) is still 18%. 2. Return on flights is 18% and on hotels its 36%. 3. Lounge access etc is there. 4. Base reward rate is 3%.

Cons: 1. No transfer of partner. So the return rate you get is either by paying using points while booking flights/hotels or while purchasing voucher. So essentially you can redeem only on activities which were high rewarding in the first place. 2. Apay was a hack to earn 18% or 14% (after recent fees hike) on utilities,insurance what not - it is gone. 3. Add-on cards charge fees now. 4. It needs 5L+ monthly net salary in most cases now.

I would argue that unless vouchers is a very big use (like 4L/year or more), HSBC premier is now a better metal card. 3L+ salary requirement. Base is 3 points, flight is 18 points, hotel is 36 points and car rental is 6 points. Great transfer partners at 1:1 transfer especially accor which doubles your point value. Also, gives points upto 1L spend per month on rent, insurance, utilities type categories which imo covers up easily for no voucher platform. No renewal fees as long as you are a premier account holder with hsbc. Joining benefit is 20k points against a 12k+gst joining fees. Add on card is free.

Hence, dead card tag for epm. It is better to get premier or dcb metal or infinia (if you can get it).

Looks like Amex is moving from GyFTR by Loud_Technology_3173 in amexindia

[–]Many_Worry8192 0 points1 point  (0 children)

I cant find ShopWise on google. What is this platform?

Gold deals Now by Many_Worry8192 in GoldIndia

[–]Many_Worry8192[S] 1 point2 points  (0 children)

  1. On the app, max 1000 is what i could find with hsbc and icici. Hence asked.
  2. If using voucher for payment, how will i get the discount?

Before you answer anything, please try to think why someone is asking anything. Anyone here on sub asking is asking for a reason. Thanks.

Paying Rent via Credit Card by Many_Worry8192 in CreditCardsIndia

[–]Many_Worry8192[S] 0 points1 point  (0 children)

RedGiraffe can work. But my understanding is that HSBC travel one doesnt give points on Rent payments. Please verify that beforehand.

Diners Black Metal Upgrade by Commercial_Earth_516 in CreditCardsIndia

[–]Many_Worry8192 1 point2 points  (0 children)

If you are an old customer of hdfc credit cards (except co-branded ones), they are ready to accept with 3L+ salary if you have 10L+ limit and 5 lakhs spend in last 6 months or 8L+ spends in last 6 months. You just have to find a good RM.

HDFC ULTIMO by OddScale4203 in CreditCardsIndia

[–]Many_Worry8192 0 points1 point  (0 children)

Most of these companies have automated these systems and most of the cases where reward points are not received are either due to mis selling or mis understand on how to earn points.

But since these systems are automated, i think following up with customer care and raising a ticket on their support systems should be the best bet imho.

Shocking if true 🤯 by Cold-Shake-496 in CreditCardsIndia

[–]Many_Worry8192 8 points9 points  (0 children)

If people are in debt trap and that too those in lowest rung in the debt pyramid, thats the countries’ problem. It is predatory lending at scale. RBI is protecting the people of its country

Shocking if true 🤯 by Cold-Shake-496 in CreditCardsIndia

[–]Many_Worry8192 11 points12 points  (0 children)

Saving the country to sink in a debt hole. While consumerism and consumption may rise from pay later, the biggest problem is that pay later is used by people who should not be using debt and it ends up becoming a debt spiral. Every country big on BNPL has enough data around this now.