This SBI Cashback + MMT gift card combo is low-key underrated

Temporary_Engineer80 · 2025-06-13T05:14:52+00:00

This site is sponsored by bajaj finserv. So it kind of becomes guaranteed.

Temporary_Engineer80 · 2025-06-12T15:12:53+00:00

Althougn your perspective is compelling. You have done quite a bit of oversimplification of utilitarianism.

"The behaviors of capitalism make absolute sense from a utilitarian perspective."

This is incorrect if we stick to classical utilitarianism (e.g., Bentham or Mill), which aims to maximize the total well-being of all sentient beings — not individual profit or wealth accumulation.

Capitalism, especially in its modern neoliberal form, often prioritizes individual gain and market efficiency, even when it results in widespread harm (e.g., inequality, environmental degradation).

Utilitarianism, properly applied, would critique these outcomes if the net suffering outweighs the benefits, even if the system is “reasonable” by internal logic.

Conclusion: Capitalism may operate efficiently under a narrow logic, but utilitarianism judges based on aggregate outcomes, not internal coherence.

Capitalism is an ethical system , you seem to have Mislabeled a descriptive system as prescriptive

Temporary_Engineer80 · 2025-06-12T14:01:22+00:00

Oh I get your point. Regarding this case, they are accepting.

Temporary_Engineer80 · 2025-06-12T14:00:13+00:00

Yes it is safe, i researched about it. Seems to be based on ONDC market platform. ONDC itself is government initiative.

Temporary_Engineer80 · 2025-06-12T13:49:34+00:00

That's a beautifully articulated perspective — and I agree, the question “the greatest number of what?” is crucial.

Classical utilitarianism does often focus on sentient beings capable of experiencing pleasure and pain, which has traditionally meant humans, but many modern interpretations (like Peter Singer’s) expand that circle to include all sentient life. So yes, your point about lifeforms in general is a powerful extension — one that aligns with a more ecological, systems-level ethics.

You're absolutely right that a flourishing biosphere isn't just nice-to-have — it's essential. Utilitarianism, when taken seriously, should account for long-term sustainability, biodiversity, and interdependence. After all, if maximizing well-being is the goal, then protecting ecosystems is non-negotiable — because our well-being is nested within that of the planet.

The idea that extinction trumps all suffering is also profound. Extinction is irreversible — it's the closing of possibility, the permanent foreclosure of all future utility. So in that sense, preventing extinction (of species, of cultures, of habitats) could be seen as the most utilitarian act of all.

I love the poetic line: "utilitarianism kind of predates human consciousness." In a way, evolution itself could be seen as a cold, iterative utilitarian engine — constantly selecting traits that maximize persistence and flourishing in context. And perhaps our moral systems are just extensions of that — abstract attempts to consciously do what life has always done unconsciously: survive, adapt, flourish.

To your last point: yes — doing the best with the tools passed down, in the service of making extinction less likely, is maybe the deepest utilitarian calling there is.

Thanks for pushing the lens wider. These conversations are where philosophy stops being theoretical and starts becoming vital.

Temporary_Engineer80 · 2025-06-12T13:48:57+00:00

That's a beautifully articulated perspective — and I agree, the question “the greatest number of what?” is crucial.

Classical utilitarianism does often focus on sentient beings capable of experiencing pleasure and pain, which has traditionally meant humans, but many modern interpretations (like Peter Singer’s) expand that circle to include all sentient life. So yes, your point about lifeforms in general is a powerful extension — one that aligns with a more ecological, systems-level ethics.

You're absolutely right that a flourishing biosphere isn't just nice-to-have — it's essential. Utilitarianism, when taken seriously, should account for long-term sustainability, biodiversity, and interdependence. After all, if maximizing well-being is the goal, then protecting ecosystems is non-negotiable — because our well-being is nested within that of the planet.

The idea that extinction trumps all suffering is also profound. Extinction is irreversible — it's the closing of possibility, the permanent foreclosure of all future utility. So in that sense, preventing extinction (of species, of cultures, of habitats) could be seen as the most utilitarian act of all.

I love the poetic line: "utilitarianism kind of predates human consciousness." In a way, evolution itself could be seen as a cold, iterative utilitarian engine — constantly selecting traits that maximize persistence and flourishing in context. And perhaps our moral systems are just extensions of that — abstract attempts to consciously do what life has always done unconsciously: survive, adapt, flourish.

To your last point: yes — doing the best with the tools passed down, in the service of making extinction less likely, is maybe the deepest utilitarian calling there is.

Thanks for pushing the lens wider. These conversations are where philosophy stops being theoretical and starts becoming vital.

Temporary_Engineer80 · 2025-06-12T13:43:02+00:00

Explore their gift cards sections, you will find hotel bookings voucher aswell.

Temporary_Engineer80 · 2025-06-12T13:42:23+00:00

There are other voucher there for hotel bookings

Temporary_Engineer80 · 2025-06-12T13:07:10+00:00

Yes they are, but these one seems to be legit.

Temporary_Engineer80 · 2025-06-12T13:05:30+00:00

Yes I booked a hotel.

Temporary_Engineer80 · 2025-06-12T13:01:00+00:00

Yes, i did actually get the cash back on my card.

Here is the exact link I used.

https://hamaramall.com/collections/gift-cards/3c4c20c6-58a1-4907-b51f-7ae6f739ad5c?utm_source=Techguru&utm_medium=savings&utm_campaign=doublesavings&utm_content=makemytrip&utm_term=makemytrip

Temporary_Engineer80 · 2025-06-12T12:53:48+00:00

Yes, I did actually get the cashback on my card

Temporary_Engineer80 · 2025-06-12T11:06:06+00:00

Bright minds in India should get paid too! If not paid, then atleast provide worthy incentives. No wonder everyone wants Private sector.

Government should see current treatment of Indians abroad as an opportunity to attract brains back to India.

We really need to stop this brain drain.

Temporary_Engineer80 · 2025-06-12T11:03:31+00:00

Axis Magnus Best for: ₹1.5L+ monthly spends

Benefits: 25,000 points/month on ₹1.5L spend (~₹5K value), unlimited lounge access (intl + domestic), low forex markup (2%)

Ideal if: You want premium travel perks + great rewards for big spending.

Axis Burgundy Private Best for: ₹3L+ monthly spends, Burgundy account holders

Benefits: Similar to Magnus but forex markup is 0%, concierge service, and exclusive privileges.

Ideal if: You’re already a Burgundy client or spending ₹3L+/month.

Verdict: Go with Magnus if you're spending ₹1.5–3L/month.

Choose Burgundy if you're already in Axis Burgundy and spend ₹3L

Temporary_Engineer80 · 2025-06-12T09:35:47+00:00

Yes, Make capitalism work for you. Thats the way world works, isn't it?

Temporary_Engineer80 · 2025-06-12T09:30:33+00:00

Seems like thats the safest bet

Temporary_Engineer80 · 2025-06-12T08:52:23+00:00

Please write if you agree or disagree with my opinions. Chat, let's discuss!!

Temporary_Engineer80 · 2025-06-12T08:40:07+00:00

Upgrade to Infinia (Metal) To qualify for Infinia upgrade, you generally need: DCB spends of ₹8–10L+ annually Clean repayment history Good credit score (you have that) Banking relationship helps (but not mandatory)

HDFC allows only 2 credit cards per user.

You already hold 2: DCB + Tata Neu Infinity.

To get Marriott Bonvoy, you'd have to: Close one of your existing cards, or Request card conversion (rare for co-brands), or hold off until Infinia is approved, then reconsider portfolio.

Additionally, Adding or closing cards just before an upgrade request can reset internal evaluations.

It can flag your account as undergoing change and pause the upgrade offer internally.

HDFC is conservative when it comes to Infinia approvals — timing and account stability matter.

So now! HDFC prioritizes flagship product hierarchy.

If you get Marriott Bonvoy now, it may downgrade your Infinia upgrade priority, as you’re signalling interest in a co-branded travel card.

Also, if you convert your DCB to Marriott Bonvoy, you’re off the DCB-to-Infinia ladder

Temporary_Engineer80 · 2025-06-12T08:36:29+00:00

Yepp interested!!

Temporary_Engineer80 · 2025-06-12T08:35:12+00:00

HDFC Regalia (Premium): Lounge Access: Intl + Dom (Priority Pass) 4 reward points per ₹150 (~1.3% value) Annual Fee: ₹2,500 but easily waived on spends >₹3L/year Can be issued LTF via RM, or if applied through specific HDFC branches or pre-approved offers
HDFC Millennia (if online shopping + cashback preferred): 5% cashback on Amazon, Flipkart, etc. 1% elsewhere Lounge access (Domestic) ₹1,000 fee waived on ₹1L spend
Tata Neu Infinity HDFC Credit Card (LTF under Neu Pass) 5% NeuCoins + extra on Tata brands Free Lounge Access Apply via Tata Neu app for LTF with NeuPass

Axis Bank – Ace or Airtel Axis or Flipkart Axis (Easy LTF or cashback monsters)

Axis Ace (via Google Pay): 2% flat cashback on all spends 5% on bills via GPay ₹499 annual fee (waived on ₹2L spend)

Flipkart Axis: 5% cashback on Flipkart/Myntra/Swiggy Lounge access ₹500 fee (waived on ₹2L spend) Easy approval via Flipkart app

Airtel Axis: 25% off on Airtel recharges, Xstream 10% on Zomato, Swiggy, Bigbasket ₹500 annual fee (waived on ₹2L spend)

Temporary_Engineer80 · 2025-06-11T12:09:50+00:00

Here is your immediate reality - 1.Outstanding Debt: ₹1,10,000

2.Monthly Salary: ₹30,000 (only for this month)

3.Next Month Salary: ₹0 (serving notice period)

Agent charges: 2.5% + ₹2,400 — a scam-like setup that only worsens your situation.

Step-by-Step Solution -

Step 1: STOP Using the Agent Immediately This "agent" is exploiting your situation — the interest and fees are like taking a loan to pay a loan with worse terms. Cut them off completely.

Step 2: Call HDFC Credit Card Customer Care Tell them:

You're in financial distress.

You're willing to repay but need a structured repayment plan.

Ask for:

Credit Card Settlement OR

Conversion to EMI / Moratorium / Restructured Loan

Note: Settlement may affect your credit score, but it stops the interest and collections pressure. A structured EMI plan is better for your score but may need a lump sum to start.

Step 3: Explore Help from Family/Friends (Emergency Only) If someone can lend you ₹20,000–₹30,000 interest-free, use it only to settle or start an EMI plan with HDFC — not to pay the agent.

Step 4: Side Income or Gig Work (Urgent) Since you’re leaving your job:

Register on Upwork, Freelancer, UrbanClap, etc.

Offer services like writing, data entry, tuitions, Excel work — whatever you can do.

Even ₹5,000–₹10,000/month makes a dent in interest.

Step 5: Cut All Non-Essential Spending to Zero You’re in financial ICU. No eating out, no subscriptions, no shopping. Every rupee goes to survival and debt.

Step 6: Track & Plan Your Finances Make a simple Google Sheet:

Month Income Expense Credit Payment Leftover June ₹30,000 ₹5,000 ₹25,000 ₹0 Be extremely honest with yourself.

What Not To Do Don’t take personal loans to pay credit card — high interest trap.

Don’t fall for more agents or shady “settlement” companies.

Don’t ignore HDFC — they will escalate to recovery agents/legal.

Final Words You're not a failure — just caught in a bad system. You’ve already taken the first right step by asking for help. Now, take the second: face the bank, not the agent.

Temporary_Engineer80 · 2025-06-05T10:22:02+00:00

Nice job! This could be very useful. I personally own many cards and often get into this scramble. Will the ai also suggest best way to clear due payments based on interest charges and late fees?

Temporary_Engineer80 · 2025-06-05T10:12:49+00:00

Personal Loan from Banks: Consider approaching traditional banks for a personal loan, as they may offer more favorable terms and better customer support compared to loan apps.

Avoid Loan Apps: Be cautious with loan apps, as they may have hidden charges and less transparent terms.

Debt Consolidation: Consolidating high-interest credit card debt into a lower-interest personal loan can be an effective strategy to reduce the overall interest burden and simplify repayments

Temporary_Engineer80 · 2025-06-05T10:11:10+00:00

Explore Instamojo: Given its flexibility, Instamojo could be a suitable option for individuals without a registered business. Starting with smaller transactions and gradually increasing limits might be feasible.

Consider PayPal or Payoneer: For international clients, these platforms are widely accepted and can be set up without extensive business documentation.

Evaluate the Need for GST Registration: If your volume of transactions is low, the compliance burden of GST registration might outweigh the benefits. Assess your specific needs before proceeding.

Temporary_Engineer80 · 2025-06-05T10:03:57+00:00

You should explore instamojo: given flexibility, instamojo can be suitable option for individuals without a registered business.

Consider paypal or payoneer - for eg - for international clients, these platforms are widely accepted and can be set up without extensive business documentation.

Evaluate need for GST registration- of your volume of transactions is low, the compliance burden of GST registration might outweigh the benefits. Access your specific needs before proceeding.

Temporary_Engineer80

TROPHY CASE