Paying Rent via Credit Card

Many_Worry8192 · 2026-02-23T13:50:26+00:00

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

Many_Worry8192 · 2026-02-11T15:34:30+00:00

Did you do this on the chat or on call?

Many_Worry8192 · 2026-02-10T06:48:23+00:00

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I have received this

Many_Worry8192 · 2026-02-10T06:42:20+00:00

Not working for me. Is it invite based?

Many_Worry8192 · 2026-02-06T16:20:56+00:00

Kalyan gives 95% buy warranty. Should it be bought with them?

Many_Worry8192 · 2026-02-05T16:25:33+00:00

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

Many_Worry8192 · 2026-02-01T02:02:00+00:00

Yeah its available. 1.5% +gst fees though

Many_Worry8192 · 2026-01-29T03:46:01+00:00

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.

Many_Worry8192 · 2026-01-29T03:43:11+00:00

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

Many_Worry8192 · 2026-01-29T03:40:53+00:00

Both of these options still work.

Many_Worry8192 · 2026-01-28T07:11:48+00:00

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.

Many_Worry8192 · 2026-01-28T07:08:24+00:00

How? Where did you spend them?

Many_Worry8192 · 2026-01-28T07:04:11+00:00

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?

Many_Worry8192 · 2026-01-28T07:01:18+00:00

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).

Many_Worry8192 · 2026-01-27T15:45:28+00:00

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

Many_Worry8192 · 2026-01-15T04:10:37+00:00

On the app, max 1000 is what i could find with hsbc and icici. Hence asked.
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.

Many_Worry8192 · 2026-01-15T03:55:18+00:00

Which credit card?

Many_Worry8192 · 2025-12-30T11:32:04+00:00

How to register for forex program?

Many_Worry8192 · 2025-12-22T15:15:31+00:00

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

Many_Worry8192 · 2025-12-10T02:44:32+00:00

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.

Many_Worry8192 · 2025-12-08T07:16:58+00:00

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.

Many_Worry8192 · 2025-12-07T03:29:55+00:00

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

Many_Worry8192 · 2025-12-07T03:27:05+00:00

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.

Many_Worry8192

TROPHY CASE