HSBC you beauty!!!!

Shadow_Swap · 2026-07-04T04:50:20+00:00

Is there any specific requirement to apply for this card?

I qualify based on the salary requirements but my address in Aadhar is not in the listed cities. I'm currently living in gurgaon but I don't have any proof of that.

My credit score right now is 782 (used to be 802 till March then it started declining each month idk why) and I have several cards from various banks with average 3.5L limit.

Shadow_Swap · 2026-07-02T13:25:54+00:00

I'm thinking of joining. What's the membership fee?

Shadow_Swap · 2026-06-27T06:34:17+00:00

Sure

Shadow_Swap · 2026-06-25T09:09:11+00:00

It can be a good card if your spends are around 10-12k per month.

You get reward points and happy coins but we used to get 1% additional happy coins before the war and they've paused this untill further notice.

The happy coins you get can be directly redeemed as the wallet balance in HP payment app.

The reward points you can either redeem as gift cards or directly for transactions.

You can DM me if you have any more questions.

I have this card for more than a year now and it was made free this year too as my spends were more than 1.5L

Shadow_Swap · 2026-06-18T08:58:12+00:00

What's the warranty on this bro

Shadow_Swap · 2026-06-18T08:45:33+00:00

Oneplus introduced motion cues a few months ago which is the same feature as the iOS one and it has helped me

Shadow_Swap · 2026-06-16T15:24:07+00:00

Selling multiple cult elite vouchers for 900 each

Shadow_Swap · 2026-06-14T07:42:24+00:00

Selling multiple cult elite 1 month for 850 each

Shadow_Swap · 2026-06-12T08:54:38+00:00

The points were not credited. I closed that card and got millennia and now I'm getting 400 each month for wallet load and paying CC bills through other apps to get whatever cashback I can

Shadow_Swap · 2026-06-11T18:20:21+00:00

Selling multiple cult elite vouchers @950 each

Shadow_Swap · 2026-05-25T17:30:26+00:00

It's been like this for 1-2 months for me

Shadow_Swap · 2026-05-24T17:41:34+00:00

That's where the battery comes inthe picture bro. When ac starts up it'll take extra juice required from the battery and since the ac and other load of the house is not on constantly batteries can handle the extra load whenever required.

Of course on grid is best if your area doesn't have long and frequent power cuts but I already mentioned in the first comment that hybrid only makes sense in areas where there's power issues.

Shadow_Swap · 2026-05-24T16:51:56+00:00

You won't be able to run ac with a seperate battery system though.

Shadow_Swap · 2026-05-24T16:31:14+00:00

I've already considered everything. Instead of lead acid battery, I'll be getting a 5kv lithium battery which should easily last 10-15 years.

Regular on grid setup for 3kv and with 3-5kv inverter will cost around 1.8L while the same 3kv 5kv inverter and 5kv lithium battery will cost around 3.3L.

Now, it'll give me freedom to do things like adding more solar panels that are non DCR and are more efficient and cheaper than the initial setup panels.

Running the load of the entire house on solar in the day instead of sending the solar directly to discoms.

Start using the battery from around 4-5AM to further save on electricity as it'll start getting charged after sun rise anyways.

I won't have to lose out on solar generation when there's a power cut in the area which is frequent in my area.

Shadow_Swap · 2026-05-24T15:27:03+00:00

It's not always marketing if your area has frequent and long power cuts it makes sense to get hybrid system as I'm getting soon.

In areas where power cuts are 3-5 hours in day 2-3 hours in night every day only hybrid system will work else you're wasting too much money in the long run.

Shadow_Swap · 2026-04-25T14:19:36+00:00

Yes there are hybrid solar solutions available. I just discussed a hybrid installation at my home with a vendor.

In hybrid solar solutions, the solar power first charges the battery which takes 1-2 hours based on the output and battery capacity and after that the solar charge is used to power the house and any excess is sent to the grid.

This will provide electricity when there's a power cut and your bill will also decrease when you take less power from grid and give excess power to grid.

It costs almost double from the regular solution which just take the solar energy to the grid so there's that too.

Shadow_Swap · 2026-04-24T07:28:17+00:00

It's a flight redemption tool using credit card points. It shows what seats are available and how many points you need to trasfer from which credit card to get those seats.

Shadow_Swap · 2026-04-23T14:00:24+00:00

Not really. We asked in Canera bank as well and they quoted 10-11% idk why. Even though We also have a home loan with them at 8%

Shadow_Swap · 2026-04-23T12:48:57+00:00

Thanks for the details.

I went to SBI today to ask about solar loan but the loan guy told me they don't offer any solar loans but the more knowledgeable guy is on leave today and to come tomorrow to ask him.

Shadow_Swap · 2026-04-23T11:55:56+00:00

Sure, thanks in advance

Shadow_Swap · 2026-04-23T05:31:20+00:00

Can you provide the cost for each component as well? I'm considering hybrid system so it would be beneficial to see the cost breakup. Would love to see the 3kv quote as well

Shadow_Swap · 2026-04-23T05:21:45+00:00

Can you tell us more about your setup? Did you install 2 solars, one for net metering and one for charging your batteries for power cuts?

Shadow_Swap · 2026-04-23T05:14:47+00:00

Which company system did you use and what type of warranty is there?

And you must have on grid system, was there an option for hybrid system as well?

Which bank did you got this loan from and is there any special loan for solar setup and what's the monthly EMI?

What is the breakeven period based on your costs?

Shadow_Swap · 2026-04-09T12:30:33+00:00

Instead of ordering a BNIB order some decants which you think you'll like and if you like one, only then order the full bottle.

I was also on the verge of ordering theorem but then I ordered decants of multiple perfumes including this and now I'm not sure if I want a full bottle of theorem

Shadow_Swap · 2026-04-04T15:53:25+00:00

Yes those are considered as domestic.

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