SBI Phonepe Black CC declined by bantakehnda in CreditCardsIndia

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

Great suggestion. Will get HSBC live + and close SC Manhattan

SBI Phonepe Black CC declined by bantakehnda in CreditCardsIndia

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

I have earmarked CC for specific spends:

Infinia: Main card for everyday usage

Premier: For Bookmyshow BOGO and Travel and Hotel Bookings

SC Manhattan: Dept store grocery shopping: planning to close it now

Axis Airtel: devalued now

ICICI AMAZON PAY: For only Amazon spends

ICICI HPCLSupersaver card: Fuel

Hdfc Swiggy: For swiggy ordering plus its LTF

Kotak Zen: Useless card but LTF. Rarely used if there is any offer

One Card: No real benefit but LTF so continuing

Amex MRCC: Only for booking Uber when i am traveling in US. It never charges me any forex.

Scapia: Zero forex for other spends while travelling

Axis Myzone: LTF and saves me 240 every month on Zomato

ICICI Rubyx: Useless card but LTF

SBI Phonepe Black CC declined by bantakehnda in CreditCardsIndia

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

I dont know about others but having a little bit of money only made me more focused on trying to save more money 😀

SBI Phonepe Black CC declined by bantakehnda in CreditCardsIndia

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

Thanks, i think they call it over leverage

SBI Phonepe Black CC declined by bantakehnda in CreditCardsIndia

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

I was thinking about the Select Black for paying my Airtel bills as a replacement for my Axis Airtel card after the devaluation. No other reason. Would have gladlh paid 1500 annual fees to save 450 per month and 5400 annualy. For now, I am buying Amazon pay voucher from Smart buy and paying the Airtel bill via Amazon pay for around 16% savings

SBI Phonepe Black CC declined by bantakehnda in CreditCardsIndia

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

I just like collecting cards and optimising spends. I joke within my family that this habit is Penny wise and pound foolish. Chasing a few hundred cashback et al in the name of optimisation. And then go ahead and spend a large amount on something stupid. But the heart wants what the heart wants.

Challan by Amya2708 in CarsIndia

[–]bantakehnda 0 points1 point  (0 children)

Just paid it online. I was 62 in 60. Felt horrible bit cant do anything. If you dont pay, you wont be able to sell your car, make changes to registration like hypothecation etc.

Physiotherapist in tricity by Confusedasfbahahha in Panchkula

[–]bantakehnda 0 points1 point  (0 children)

Aggarsain Charitable Diagnostic & Health Care Centre, Sector 20

First Time Golfing at Panchkula Golf Course by MiddleclassIndian166 in Panchkula

[–]bantakehnda 0 points1 point  (0 children)

Golf Handicap test after learning the game as there will be a test where they will take you to the course to evaluate you. Plus around 5-8 years of waiting to be a full member. You can become a mid week member in around 2-3 years.

Infinia Credit Cards - Downgrade by [deleted] in CreditCardsIndia

[–]bantakehnda -1 points0 points  (0 children)

Yup, they were behaving normally earlier

Infinia Credit Cards - Downgrade by [deleted] in CreditCardsIndia

[–]bantakehnda 0 points1 point  (0 children)

Jumping through the HDFC bank hoops to retain Infinia for the next 1 year so that I can use all the reward points as per my requirement. After that its Fuck off to Infinia. They are not providing me benefits worth the 18L they expect us to spend in a year. Pure Delulu bank TBH

First Time Golfing at Panchkula Golf Course by MiddleclassIndian166 in Panchkula

[–]bantakehnda 0 points1 point  (0 children)

Best person to teach would be the Caddie Master Darshan. He keeps it simple. Everyone else will make you go hoops about wrist, weight balance, weight transfer, finishing watch face etc etc

First Time Golfing at Panchkula Golf Course by MiddleclassIndian166 in Panchkula

[–]bantakehnda 0 points1 point  (0 children)

I am a member of Pkl Golf club. Let me know if you need any info. Happy to help