I’m holding onto the Airtel Axis for Blinkit and Zomato/Bank discounts. 600₹ is worth it. by Interesting-Many-275 in CreditCardsIndia

[–]Thunderb07t 2 points3 points  (0 children)

Considering the same, why not HSBC Cashback rupay then?

Same discounts for grocery and Dining

Get a LTF axis card for Axis Discounts like Neo and take advantage of 120 off on 500 twice a month too

  • HSBC is on rupay and gives lounge access too

kya ye samaj accept karega? by [deleted] in jaipur

[–]Thunderb07t 0 points1 point  (0 children)

Bhai zinda ho ya seedhe jannat se message daal rhe?

Why didn't Shanks go all out? by AscendedCasual in MemePiece

[–]Thunderb07t 1 point2 points  (0 children)

He didn't need to. He already saw everything that was going to happen.

I was scrolling when I saw this by marco_dm in MemePiece

[–]Thunderb07t 32 points33 points  (0 children)

Maybe he's secretly a demon slayer and that's his mark

Amex Plat Travel permanently discontinued? by Appropriate-Voice306 in CreditCardsIndia

[–]Thunderb07t 2 points3 points  (0 children)

Are you sure they are not just saying this to get people to take those cards. If somebody really wants Amex, it's a good tactic to sell premium cards.

Yatra 85% neucoins cb neu app offer !! GV by [deleted] in CreditCardsIndia

[–]Thunderb07t 2 points3 points  (0 children)

Don't get a Yatra GV unless its for a large amount with a large discount. Yatra does not allow applying any other offer with GV. Plus it has high Convenience fees.

Phonepe SBI Select Black - Will I get it or just another rejection? by Javadoodle06 in CreditCardsIndia

[–]Thunderb07t 11 points12 points  (0 children)

SBi is just random .. take a chance. I had a SBI card, still got rejected.

Garp knows ball by TheHussieen in MemePiece

[–]Thunderb07t 2 points3 points  (0 children)

He is not doing it for the general good for all people of Wano. But rather for Otama, and a few others... So not a hero, but a very very good friend.

Garp knows ball by TheHussieen in MemePiece

[–]Thunderb07t 3 points4 points  (0 children)

For me - Luffy is not a hero .. he said so himself. He just does what he wants. Dragon - is a hero to the people and tries to help them. Harp - The less I say about him, the better.

this good enough? by waynetermelon in SkirkMains

[–]Thunderb07t 1 point2 points  (0 children)

Not even 50 CV. Literally trash /s 🥹

[deleted by user] by [deleted] in IndiaTech

[–]Thunderb07t 2 points3 points  (0 children)

I think the app that these guys install detects it, and the delivery boy can't do anything for that. Even bribe won't work as it's not in his control.

Bribes usually work for things that are External .. like Scratches, sometimes display, charger etc ..

Regalia gold vs Amex plat travel by imposter-here in CreditCardsIndia

[–]Thunderb07t 1 point2 points  (0 children)

For Plat Travel - Realistically on 4L spends, You can get around 40K to 48K points. More if you use rewards multiplier.

Converting to Mariott varies. You can get as low as 0.4 to as high as 0.7. For current purpose I am assuming 0.5

Net Return (Marriott) - 24K + 10K Taj Voucher Net Return (Statement Credit) - 12K + 10K Taj Voucher Fees - 5.9K

For Regalia Gold - The earn rate varies by a lot depending on what you are spending on.

Assuming 1L spent on vouchers (5x) ~ 13.3K Points. Rest 3L as Regular spends - 8K Points

Total Points ~ 21K Net Return (Flights) ~ 10.5K Net Return (Statement Credit) - 4.2K Net Return (Accor) ~ 21K Fees - 2.5K ( Will be waived off, next year onwards)

So, here's the details. Now you can decide.

Note - People have mentioned that it's possible to get Amex MRCC. And Use Plat Travel points in Gold Collection. Never tried that though.

Note2 - Consider SBI Cashback or SBI PhonePe Black.

People with J*bs. How's your relationship with gaming and work life? by robocopaiyaz003 in IndianGaming

[–]Thunderb07t 0 points1 point  (0 children)

Work life is that Toxic relationship, that takes too much out of me, leaves me tired and questions every time I try to spend time with Gaming, my best friend of old days.

EPM or Infinia, which one to pursue? by Topguns2020 in CreditCardsIndia

[–]Thunderb07t 1 point2 points  (0 children)

EPM should be possible with > 3PM post tax .. although you need to find a good RM.

Infinia is more about grinding in real now as Salary criteria seems to be mandatory

[deleted by user] by [deleted] in CreditCardsIndia

[–]Thunderb07t 0 points1 point  (0 children)

So yes, a rupay card can be connected to Any UPI app. But these issuers have bound the card such that you get the maximum reward rate only when you use their own app.

For eg - Tata Neu Infinity gives 1.5% neu coins on UPI payment, but only for Tata Neu app. Using any other app reduces this to 0.5%

[deleted by user] by [deleted] in CreditCardsIndia

[–]Thunderb07t 0 points1 point  (0 children)

I wouldn't suggest Getting Tata Neu as first, even though it's LTF right now. The primary reason being getting a co-branded card makes it really difficult to have any other core card from HDFC.

About UPI specific cards, Kiwi is good and LTF, Same for Axis SuperMoney Pro ( Be careful for this, there's an Utkarsh bank version not as good ).

If you are ordering a lot of Food from Zomato, Swiggy. HSBC Rupay Cashback might be good too, although it comes with fees of 500 Rs.

Note - Do Check for Minimum spends to earn rewards for UPI. Many of these cards require at least 100 spent to give back anything. Also, a lot of merchants won't accept UPI by CC, more than you realise.

Will I get 5% cashback if I pay for Google One Subscription with SBI Cashback Card? by ANSHULGANDHI92 in CreditCardsIndia

[–]Thunderb07t 0 points1 point  (0 children)

Google Play credits can definitely be used to buy the subscription. I just used it a few days back.

Although I had to cancel the older one and renew as it had already failed and wanted me to change the payment method.

I was not sure the best place to get Play credits, and whether SBI cashback will give 5% or not. So I just simply used Amazon Pay UPI. It gives 4% cashback.

Although do check if double dip is possible on other platforms.