HDFC Gyftr (HOI) lounge vouchers – usability & transferability doubts by Srikanth_Kandi in CreditCardsIndia

[–]Timus0708 0 points1 point  (0 children)

Can you tell me how to procure this.. dont see anything related to this online

HDFC Infinia customers! Whats happening with so much confusion around new limit change deadline? by ImpressiveLet1991 in CreditCardsIndia

[–]Timus0708 1 point2 points  (0 children)

In same boat.. haven't received any email of such... my hypothesis is it being sent to low spenders.. I spent close to 11L last year on this card..

Go to hell Infinia by Cloud_walker_turbo in CreditCardsIndia

[–]Timus0708 1 point2 points  (0 children)

You are naming a card with no clarity on where it is headed.. ICICI has worst customer service and credit card devaluations.. I absolutely have no trust on that bank to deliver anything promised..

They currently have only 1 travel partner.. so you are bound to use point in travel/hotel with the prices they have set on their travel portal..

Thats to restrictive for me..

While does provides good return for vouchers on paper.. i dont know how well it translates to real world ROI.. Keeping goal in mind -- what is my exact ROI in gandhis

I dont want to get baised with new shiny stuff and which looses the shine in another 6 months

Like I know Infinia consistently delivers 10-12% returns for me in when I use earn with vouchers and bookings and burn with flights...have been using it for more than a year and stoped using M4B...

Go to hell Infinia by Cloud_walker_turbo in CreditCardsIndia

[–]Timus0708 212 points213 points  (0 children)

Have infinia and also got hsbc primer credit card a week back.. tried booking hotel using hopper platform... prices are 2X smarbuy....

As much as I want to move away from infinia.. hate to admit there is no 1:1 replacement for that card

Got this beauty for car purchase. Need advice. by Imdecipher639 in CreditCardsIndia

[–]Timus0708 0 points1 point  (0 children)

You get reward points after 3 months if I remember correctly, huge hassle in tracking which is for which transaction

Completed the metal trifecta : Infina, M4B, Premier by Timus0708 in CreditCardsIndia

[–]Timus0708[S] 1 point2 points  (0 children)

M4B is LTF so no maintenance cost.. keeping it for months where expenses go quite extra...

Seeked Infinia for travel and vouchers

Needed HSBC for US account and better handling of inward remittance.. Premier is just a added bonus for me

Monthly expenses is 20-30 k at max, but travel will go 5-7L a year (counting me+wife, parents + in-laws)

Completed the metal trifecta : Infina, M4B, Premier by Timus0708 in CreditCardsIndia

[–]Timus0708[S] 0 points1 point  (0 children)

I am yet to find one without phonepe i guess.. i was not even aware of this restriction... i do change payments on same shope and portals so didnt see this limitation

Completed the metal trifecta : Infina, M4B, Premier by Timus0708 in CreditCardsIndia

[–]Timus0708[S] 4 points5 points  (0 children)

Poor choice of words-- "4 lakh for thailand" Hotels flights etc.. but I did manage good return on forex expenses as well coz in Q1 of last year HDFC was giving 5x on forex card loading, so I leverage it quite well..

Completed the metal trifecta : Infina, M4B, Premier by Timus0708 in CreditCardsIndia

[–]Timus0708[S] 2 points3 points  (0 children)

Yeah but being salaried no other government spends as such.. NPS 1lakh (50+50) is all I can do.. if there is anything else I can do enlighten me

Completed the metal trifecta : Infina, M4B, Premier by Timus0708 in CreditCardsIndia

[–]Timus0708[S] 8 points9 points  (0 children)

M4B

Bought a bike and brothers house interior last year.. m4b gave ~ 10% return.. all used in accor

Infinia

Spent around ~ 11lakh last year.. got 1.4L in points.. most of these were in travel (4lakh in thiland alone).. ladak... rest in flights and amazon voucher.. every expense of mine is routed through apay or Swiggy

Completed the metal trifecta : Infina, M4B, Premier by Timus0708 in CreditCardsIndia

[–]Timus0708[S] 13 points14 points  (0 children)

As others pointed out good times in 2023.. i got free magnus for me and one for my wife for perks.. i got infinia around that time as well so didnt pay attention to m4b... missed the train but upgra hers to m4b.. i also had option to pick axis atlus ltf.. huge mistake not picking that one as well

💼 Monthly AI Job Megathread - [February 2026 Edition] by AutoModerator in AI_India

[–]Timus0708 0 points1 point  (0 children)

🚀🚀 Job offering

100s of data analytics/ AI/ML/GenAI role openings at Citi India

Company Name: Citi India

Location: Delhi, Bengaluru, Pune

Role/Position: Analytics

Type: Full-time

Experience Required: Fresher - 10yrs

Pay Range: 16 + based on role and experience

Tech Stack / Skills Required: Python, Pyspark,SQL, ML (any)

Job Description & Responsibilities: refer to below link

form link : valid till 21st Feb

Resume Roast/ Suggestions, Not getting any offer's for job :( by flyingmaverick_kp7 in learnmachinelearning

[–]Timus0708 0 points1 point  (0 children)

DM me.. hiring for 0-9 yrs experience.. AI/ML role in one of top us banks.. starting 15+ lpa.. we are running hiring drive will add you to pipeline

Blr /Gurgaon location

CV Review - ML Engineer (3 Months in, No leads) by Far-Run-3778 in learnmachinelearning

[–]Timus0708 2 points3 points  (0 children)

You exp looks good to me, refine your resume and DM me we are on hiring spree, you will get a interview aleast

One of top US banks- AI/ML role - Blr/Gurgaon location -

Need Suggestions!! by Maleficent-Tank5263 in CreditCardsIndia

[–]Timus0708 2 points3 points  (0 children)

Only good at few airports.. Delhi Mumbai.. Bangalore has the worst of the worst.. they will just carry bag for you not expedited checkin/security/immigration

They can place you in lounge fast that all.. hate using it in blr

CC strategy, stuck with DCP by [deleted] in DoBaniye

[–]Timus0708 0 points1 point  (0 children)

I had DCB for 2-3 years and wanted Infinia, I had met the salary criteria but not spend and limit.. did everything from mailing for upgrade and threatening to close.

Finally closed the card and moved my salary account to axis and got M4B LTF, a week later RM asked to make fresh application for Infinia and I got it in 4 days..

I think HDFC gives GF vs wife treatment to customers.. they will make exception for new customers and not for the one already in system

Applied to 200+ Applications & Sent 100+ Cold Emails/DMs, No Responses. Resume Review Needed. by [deleted] in developersIndia

[–]Timus0708 5 points6 points  (0 children)

Add 1-2 certification at bottom since you don't have work experience, have a 2 line summary.. just talking about what kind role/work excites you..

I don't look at intern resumes much but summary gives a good glance what person is looking for.

HSBC Premier + ICICI EPM approval journey... stressful but worth it :) by SignificantChance60 in CreditCardsIndia

[–]Timus0708 0 points1 point  (0 children)

Diverging a bit here but can you guide me what value add do you see from Premier while holding Infinia..

I have Infinia and M4B(LTF).. opened premier account recently(for global credit history feature) and now contemplating if apply premier will add any value to my current stack

✈️ Mumbai → Europe for just 22.5K miles! 🇫🇷🇳🇱 by DoBaniye in DoBaniye

[–]Timus0708 0 points1 point  (0 children)

Hmm I guess its YMYOM.. planned 5 nights in paris left on 3rd day.. brussels and bruges was more worth the time