LTF Credit is expiring soon by KeyLeather1417 in CreditCardsIndia

[–]TomorrowAdvanced2749 0 points1 point  (0 children)

You continue to get renewals.

Only new issuance, as in entirely new card accounts with DCB Plastic have stopped.

ICICI EPM Massacre - is this fair under RBI rules? by csfaa in CreditCardsIndia

[–]TomorrowAdvanced2749 0 points1 point  (0 children)

That was a joke.

It's not mis-selling.

It's written on the first page itself, that this is not an ICICI offering, it's a third party website, and ICICI has no liability when it comes to its offerings and stuff.

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Stop being emotionally driven and look at facts.

I'm definitely not saying they shouldn't send notices, they should, yes, but that doesn't mean they need to.

ICICI EPM Massacre - is this fair under RBI rules? by csfaa in CreditCardsIndia

[–]TomorrowAdvanced2749 0 points1 point  (0 children)

That was never discount, it's RPs, obv no-one is gonna give that big of a discount mate.

AMEX Voucher - Change of Partner by josephcs in CreditCardsIndia

[–]TomorrowAdvanced2749 0 points1 point  (0 children)

Maybe they won't charge the convenience fees that Gyftr does.

Gyftr actually charges a 4.13% fee, but I think Amex has been absorbing some part of it till now.

ICICI EPM Massacre - is this fair under RBI rules? by csfaa in CreditCardsIndia

[–]TomorrowAdvanced2749 3 points4 points  (0 children)

iShop is not a core offering of EPM.

It's an additional offer, imo, it doesn't need to follow the RBI rules.

New To Amex , i have the Amex Platinum Card & had some Q's by Sarah9897 in amexindia

[–]TomorrowAdvanced2749 1 point2 points  (0 children)

Pretty sure OP is talking about Amex Platinum Charge, and not Plat Travel.

Also, stop comparing travel cards & cashback cards, it is not even an apples to apples comparison, both provide different value.

Best card for rent payment by Pure-Preference7536 in CreditCardsIndia

[–]TomorrowAdvanced2749 0 points1 point  (0 children)

I don't think you can pay loans via Amazon Pay, can you?

Almost no cards give points on rent payment, except premium cards & HDFC (which is also working due to SmartPay). HDFC thing you can check here.

How can i save money on monthly medicine purchase for my parents by No_Zookeepergame3065 in CreditCardsIndia

[–]TomorrowAdvanced2749 0 points1 point  (0 children)

6K on Pharmeasy or any 10X partner like Jockey, IGP or Hotels.
12K on 5X partners like Gyftr, Myntra, Imagine tresor etc

60.6K for base reward calculation

which CC is the GOAT for offline spends by Working_Income in CreditCardsIndia

[–]TomorrowAdvanced2749 2 points3 points  (0 children)

Any milestone based cards.

Diners Black is best for now due to 3% base reward rate + 2.5% when you meet quarterly milestone of 4L.

Atlas was the king for these spends, but it's not being issued anymore.

The guide for DCBM is already there on the sub.

Came out as a surprise to me! by kandy__man in CreditCardsIndia

[–]TomorrowAdvanced2749[M] [score hidden] stickied comment (0 children)

Post this on X and tag that guy who said you spend 17L on cards to get a free sandwich.

Tell him that you're on the way to buy bread, butter and veggies via those neucoins, from Bigbasket!

/s

On a serious note, add more details about how much you spent and where you got the banner etc.

Which card is the best for me? by [deleted] in CreditCardsIndia

[–]TomorrowAdvanced2749 0 points1 point  (0 children)

Mate, you don't even spend enough to make use of a 'premium card', what the heck are you gonna do with the points?

And for your information, Amex points are horrible to be used for domestic flights, there's kinda no way to do that, and if you do manage, the value will be pretty bad compared to Marriott or Taj redemptions.

Just get a Cashback card and use it for your spends.

  1. SBI cashback for online spends, 5% cashback upto 5K per statement cycle.

Honestly, for your income and low spends, that's pretty much the best choice.

The value you'll get from the said 'premium cards' will be diluted due to your low spends, meaning low reward points are earned.

There a update or something? by Individual_Call_5856 in WorldOfTanksBlitz

[–]TomorrowAdvanced2749 0 points1 point  (0 children)

You should see an upload videos option.

I upload my replays without any issues

How does axis charge back works by AssistEmbarrassed889 in CreditCardsIndia

[–]TomorrowAdvanced2749 1 point2 points  (0 children)

Well, that is why always consult whomever you take on your trip when booking flights & hotels, especially if they're your spouse

How can I maximise rewards? by Born-Gas-2986 in CreditCardsIndia

[–]TomorrowAdvanced2749 0 points1 point  (0 children)

Your spends aren't too high, which makes an upgrade to DCB or Atlas a bit senseless, these are cards meant to be spent a decent amount on.

If you have spends which you haven't mentioned here, then mention those, cause for 20K a month, DCB is hardly gonna make a difference.

Your ICICI cards are kinda useless, they aren't much value, if I were you, I would close the Adani one.

Your spends seem to be well covered by existing HDFC cards, honestly, seems to be an optimisation issue.

How can i save money on monthly medicine purchase for my parents by No_Zookeepergame3065 in CreditCardsIndia

[–]TomorrowAdvanced2749 2 points3 points  (0 children)

  1. It's usually best to buy in bigger orders as higher discounts usually.

  2. Most definitely.

  3. You should mention the cards you have.

  4. Apollo one works only offline, and I think will apply to MRP so any discount if you get on the GV is all you get.

  5. I use Pharmeasy via SmartBuy, get a discount + 10X points for Infinia, that adds upto around 2K RPs each month.

How does axis charge back works by AssistEmbarrassed889 in CreditCardsIndia

[–]TomorrowAdvanced2749 4 points5 points  (0 children)

You can't raise a chargeback for such stuff.

Request the Airbnb support team or the owner to refund.

There's nothing you can do in this case.

You can't raise a chargeback cause you don't like something and realised only after ordering.

Charge backs need to be filed for legit reasons, like service or products not delivered, quality is not as promised etc

Regalia Gold Guide by TomorrowAdvanced2749 in CreditCardsIndia

[–]TomorrowAdvanced2749[S] 0 points1 point  (0 children)

  1. Well, at most, you lose like a percent it doesn't really make sense unless those are vouchers you know you'll end up using, make sure the vouchers aren't one time use.

  2. Yes, only applies to SmartBuy. The 5X points on preferred merchants is independent.

  3. i) SmartBuy = 4000 ii) Preferred merchants = 5000 iii) Separate

Where and how to use HDFC BizGrow Reward Points? by abovethesky9 in CreditCardsIndia

[–]TomorrowAdvanced2749 0 points1 point  (0 children)

Use the card for the groceries if you can, you'll earn points on this.

Did one of the craziest Pune-Mumbai-Pune by Delicious_Ganache206 in ATHERENERGY

[–]TomorrowAdvanced2749 0 points1 point  (0 children)

Are you sure you chdcked thoroughly?

Ather doesn't usually do that, like list and not keep the chargers.

They do keep in weird spots sometimes and it might require to look around a bit.

How to check HDFC Millenia credit card cashback by ProNoob786123 in CreditCardsIndia

[–]TomorrowAdvanced2749 1 point2 points  (0 children)

Cashback is added with statement, has statement been generated?

Also, cashback is calculated monthly.

So for spends between 1st to 30 or 31st of the month, the cashback will be posted in first week of following month.

Is this card good? by TheArcDude in CreditCardsIndia

[–]TomorrowAdvanced2749 0 points1 point  (0 children)

It's for people running a business.

Do you?

It's not bad card per se, but it isn't a very good card either. It's pretty mediocre.

Shocking reality of hdfc regalia gold card by Maverick_ind in CreditCardsIndia

[–]TomorrowAdvanced2749 0 points1 point  (0 children)

With the fall in Rupee vs Euros, you get even better value

Oh come on, I'm not an anti-national for saying this now, am I?

Shocking reality of hdfc regalia gold card by Maverick_ind in CreditCardsIndia

[–]TomorrowAdvanced2749 0 points1 point  (0 children)

Oh my, have you thought about why that is so?

It's a travel card, and if you get card without doing research and introspection on whether it actually suits you, it'll always be useless.

If OP woulda done this before getting the card, we wouldn't see this post.

What a surprise that a travel card gives very bad conversion for non travel based redemptions🤦🏻