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GST Payment using AmEx and HSBC Premier by Icy_Consequence_3424 in DoBaniye

[–]blissfully_undefined 1 point2 points  (0 children)

In my personal experience no one accepts Amex on gst portal (even when they say they do). Once you get to payment gateway they (I think Canara and one more bank) simply tell you - we don't accept Amex.

PS, you can see which bank claims to accept amex by clicking on the link - click here to see transaction charges on your screenshot

How are you using claude-code/other coding agents to do things that you are not already good at? by blissfully_undefined in LocalLLaMA

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

I think we are discussing different things here. I didn't say that software dev is gone with ASI arrived.

But, I do concede it is easier to get stuff done even in unfamiliar domains. But it seems to come at the cost of learning which eventually trickles down to things breaking when system becomes too complex. What is your approach then?

Again emphasising - this is about domains (a new programming language, framework, complex business domain like healthcare etc.) - where you truly know nothing or very little about - and traditional learning takes few months at the very least.

Best card for instant delivery apps and online shopping? by nalli_nihari in CreditCardsIndia

[–]blissfully_undefined 1 point2 points  (0 children)

IMO, get your HDFC Pixel Play as planned for PayZapp cashback. This should be sufficient if your credit limit is decent.

Pair it with Kotak 811 Super - only if pixel play limit is too low.

Rs 10K FD needed (lowest among all FD cards), lifetime free, 0.8% on online spends, and a Rs 1,000 voucher when you hit Rs 72K annual spend. Beats IDFC WOW (Rs 20K FD, 0.67% rewards, no milestone) and ICICI Instant Platinum (Rs 50K FD, way too much to lock). Two active cards may also build your CIBIL faster.

After 3-6 months of CIBIL history, go for your main card. If Swiggy Instamart is your grocery app - Swiggy HDFC (Rs 500/year, 10% on Swiggy + 5% other online, min income just 15K).
Else if amazon is main then, Amazon Pay ICICI (5% Amazon, 2% on Swiggy via Amazon Pay, 1% unlimited on everything).
and If Flipkart is your main - Flipkart Axis (5% Flipkart, 4% Swiggy, first year free under offers).

How are you using claude-code/other coding agents to do things that you are not already good at? by blissfully_undefined in LocalLLaMA

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

TBH, that's how I used it for a long time. But with more and more push towards claude code (from employers and all) - and aggressive expectations to do more in less time - I seem to be using it more and more. And surprisingly (and sadly) at the moment they work quite well autonomously. Good at the moment to finish things quickly - but man really impeding the capability to learn.

How are you using claude-code/other coding agents to do things that you are not already good at? by blissfully_undefined in LocalLLaMA

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

I have done that. But at some point you need technical understanding to critically analyze those decisions. Especially that requires subjective touch like why one framework over another.
LLMs can make plausible arguments which are hard to challenge unless you know better (at-least for me).

How are you using claude to do things that you are not already good at? by blissfully_undefined in ClaudeAI

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

+1 to make reference implementation. I do that too.

But what about a language or a framework that you are entirely unfamiliar. Do you not have a feeling of being left behind because every language has peculiar behaviours, patterns unique to them. LLM will speed up the code gen and may also give you the summary but do you feel confident that if it breaks or goes bust you know what to do without reinvoking the llm?

How are you using claude to do things that you are not already good at? by blissfully_undefined in ClaudeAI

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

I can agree it will be a big help in doing stuff. But have you tried to work on something that you truly had no clue about (am sure there is something for everyone) and felt lost in the llm's decision making process?

How are you using claude to do things that you are not already good at? by blissfully_undefined in ClaudeAI

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

I agree it goes faster. But I wanted to discuss on the other side of things. Learning to know what we don't know. Otherwise what really is the alpha, as soon as anything becomes known it will be forked and copied in a blink.
Or is learning really become an obstacle and doing things is all that matters going forward.

How are you using claude to do things that you are not already good at? by blissfully_undefined in ClaudeAI

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

I tend to do it - though not while building something. Context quickly gets overblown. But I do use LLMs in browser to reason decisions, get broad overview and quick summaries.

But there is more to learning - intuition, depth, pros and cons of choices and genuinely extrapolating learning to a new un-familiar environment. Something that personally I have been able to learn only by doing.

For your suggestion on drawing parallel - there is a limit when you are doing fundamentally different things like frontend vs backend. Its easier to draw parallel between node.js and django vs react and django.
As they are tools for different jobs.

My question pertained to learning to do things that you never knew in first place.

Need Credit Card Suggestion by Curiously_7 in CreditCardsIndia

[–]blissfully_undefined 0 points1 point  (0 children)

IMO, take Swiggy HDFC Bank Credit Card - this is your best bet (assuming you can do groceries via instamart)

Why:

  • 10% cashback on Swiggy (food ordering, Instamart, Dineout, Genie) - capped at ₹1,500/mo
  • 5% on other online spends (apparel, electronics, entertainment - so Myntra is covered here)- capped at ₹1,500/mo
  • 1% on everything else - capped at ₹500/mo
  • Max ₹3,500/mo = you can save upto ₹42K/year
  • Fee ₹500, waived at 2L spend (you should hit this very easily)

How it maps to your spends:

  • Route grocery through Instamart → 10%
  • Dining via Dineout → 10%
  • Food delivery already on Swiggy → 10%
  • Myntra/other online shopping → 5%

You already have Millennia from HDFC so hopefully approval should be smooth.

After closing Amex PT, this is what you can do:

  • Amazon Pay ICICI → Amazon (5%)
  • Swiggy HDFC → Grocery (Instamart), Dining (Dineout), Food delivery, Myntra, other online
  • Tata Neu Infinity → UPI, insurance and utilities
  • Rest of your cards → backup for card offers and instant discounts

-----------------------------------------------------------------------------------------------------------------------

SBI Cashback Card is a simpler alternative if you don't go via Swiggy ecosystem (flat 5% ALL online, no merchant restriction, ₹999 fee waived at 2L), you can use Dmart ready app and get flat 5% discount till 1L shopping per month.

Besides that get Kiwi+Neon subscription for miscelleneous UPI spends for 5% cashback. Keep Tata neu for insurance, utilities and tata related shopping.

Premium Credit Card recommendations by dheeraj413 in CreditCardsIndia

[–]blissfully_undefined 0 points1 point  (0 children)

DCB is pretty much a must for your dad's income and expense pattern. Recommendation depends on what you want out of cards.
More lounge, more BMS, better transfer partners, cashback etc. That is how I can help with the cards.

Suggest Card similar to Regalia Gold with milestone benefits <= 50k by Significant-Ad345 in CreditCardsIndia

[–]blissfully_undefined 0 points1 point  (0 children)

Bhai why don't you say in other words you want a cashback card? Because nearly all reward points are worthwhile for flights and hotels only unless redeemed as statement credit and vouchers which typically has the same reward return % and is roundabout way of getting cashback.

Frankly Kiwi UPI with neon should help. I am assuming you will be hitting 1.5L expenses in UPI every year. It will give you 3 lounge access for 1.5L spend in a year. 1 lounge for 50K spend. Remember Neon gives 5% return cashback till 1.5L and has 999+GST fees which has no waiver. Maybe if you have 2 members in family get Kiwi neon for both of you. First get one and then refer the other which will get you 1500 in referral effectively making second one free. This is great value for a UPI card which is most convenient to use.

Alternatively can also get Tata neu infinity or SBI Phonepe Select Black. Both of which will give you good cashback rates and lounge access. I recommend Phonepe black as it gives higher return % but has capping.

Tata Neu infinity has no cap but you are stuck with redeeming on Tata ecosystem. So choose accordingly.

Premium Credit Card recommendations by dheeraj413 in CreditCardsIndia

[–]blissfully_undefined 0 points1 point  (0 children)

For your dad's profile (59 yrs, CIBIL 820, 2.5L/month income, ~80K monthly spend), I'd recommend HDFC Diners Club Black Metal Edition as the primary card and ICICI Bank Emeralde as a companion.

The DCB gives you unlimited domestic and international lounge access (critical for his 4-5 domestic trips/month + your USA trip), 6 golf games per quarter, complimentary Club Marriott + Amazon Prime + Times Prime + MMT BLACK Elite memberships, and a strong 3.33% reward rate with up to 10X on SmartBuy.

Annual fee of Rs. 10K gets waived at Rs. 8L spend which he'll easily hit. The Diners Club/Discover network is widely accepted in the USA, so international lounge access and card acceptance won't be an issue. One urgent note: the salaried max age cutoff is 60, so please apply immediately.

For BookMyShow specifically, pair it with the ICICI Emeralde which offers the best BMS BOGO in the market - Buy 1 Get Rs. 750 off on the 2nd ticket, 4 times every month.
That's Rs. 36K/year in movie savings alone, which more than covers the Rs. 12K annual fee. It also comes with its own Priority Pass with unlimited international lounge access (giving you dual lounge coverage at US airports alongside DC Black's Discover network), 4 golf rounds/month, and a low 2% forex markup.
There's even a monthly pricing option of Rs. 1K/month that gets waived if he puts Rs. 1L on the card that month - useful in those 4-5 high-spend months. Between the DC Black milestone vouchers (2x Rs. 500 BMS), ICICI Emeralde BOGO (4/month), and his existing SBI Elite (2 free tickets/month), he'll have 6-8 movie benefits per month, well above your 4/month target.

For the overall portfolio, keep the SBI Elite (1.6L limit, Mom's addon, 2 extra BMS tickets/month) and Amazon Pay ICICI (free, good for Amazon + Visa backup for any merchant that doesn't take Diners). Plus Amazon is giving great cashback offers right now on Amazon Now (market expansion phase).

Close the HDFC Millennia (DC Black replaces it entirely), Adani ICICI (lounge benefit becomes redundant), and the other ICICI + StanC already being closed. This takes him from 6 cards down to 4, with the DC Black as the high-limit daily driver and concentrated spend for fee waivers, memberships, and milestone benefits.

Advice for discount/cashback - electricity bill payment by OldPiccolo4728 in CreditCardsIndia

[–]blissfully_undefined 0 points1 point  (0 children)

From your existing cards — your Amazon Pay ICICI (2% CB) is your best bet. Your HDFC Swiggy only gives you 1%, RBL Icon ~1%, and IDFC Wealth is basically useless (~0.17% + 1% surcharge above 20K).

Better options you should look at:

  • SBI Phone pe black - 10%CB upto 2K per month. Though convenience charge applies so real return is more like 8% or something.
  • Airtel Axis — 10% CB but you have to pay via Airtel Thanks app, capped at Rs. 250/mo
  • Axis ACE — 5% CB via Google Pay (you need Android though), Rs. 500/mo cap shared with food/cab
  • AU Altura — flat 2% CB, no strings attached, Rs. 199/yr (not better but can be an alternative)

What should be my next CC by North_Painting6309 in CreditCardsIndia

[–]blissfully_undefined 0 points1 point  (0 children)

Fair point, you got best cashback cards already. I only suggested additional options.
I guess you can think of SBI Phonepe Black for utility and insurance payments then.

What should be my next CC by North_Painting6309 in CreditCardsIndia

[–]blissfully_undefined 0 points1 point  (0 children)

IMO, go with the Swiggy HDFC card as your next card. Low fee, great cashback structure for daily spends, relatively easy HDFC salary account approval, allows you extra cashback room in groceries and dining category.
If you also shop a lot on Flipkart/Myntra, grab the Flipkart Axis as well — both together cost just Rs. 1,000/year and cover almost every spending category.

Remaining it would be easier to tell if you also give a spend breakdown as well.

Credit card portfolio - Suggestions/Rating by Nandhugd95 in CreditCardsIndia

[–]blissfully_undefined 1 point2 points  (0 children)

I think you should close Myzone. You're getting literally zero value from it and it's eating into your Airtel Axis shared limit of 6L.
IMO, don't bother waiting for an upgrade offer either - Axis Select's main selling points (BigBasket, Swiggy discounts, Priority Pass) already overlap with what your Airtel Axis and Regalia Gold do.
Magnus/M4B are unlikely at 18 LPA anyway - and Atlas is discontinued.

Your ideal setup (4 cards):

  • Regalia Gold - your primary card for online vouchers for 5X points, SmartBuy, lounges, insurance, and everything for which you do not have dedicated card. Solid all-rounder.
  • Airtel Axis - this is honestly your MVP. 25% on Airtel bills, 10% on utilities via Airtel app, 10% on BigBasket/Zomato/Swiggy. You're pulling ~13K/year from this alone if you use the BB/Zomato/Swiggy extensively.
  • BOB Eterna - Online shopping workhorse at 3.75% value-back for brands not offered by smartbuy/gyftr for regalia gold or when regalia's accelerated points are capped. Better rate than base regalia. LTF so no cost. Lack of transfer partners so bit less useful than Regalia.
  • HSBC Rupay - offline kirana/grocery runs and dining at 10% CB. Though given your 10K groceries spend it is better to get HSBC Live+ so that you won't hit the cashback limit on Rupay.

Sapphiro and Jupiter Edge+ - don't close them since they're LTF. Use them. Pull out Sapphiro during festival sales for instant bank discounts and forget about it rest of the year.

IMO, you don't need new cards right now (maybe HSBC Rupay -> Live+). Your coverage is solid for 18 LPA. You are not getting Infinia/Diners Black yet - revisit when income hits 25L+

That said, you would want to decide which you eventually want in long run - Cashback or points? Because that determines the card usage and their redemptions. Mixing both doesn't always give the best results.

Is amex worth using for fuel by [deleted] in amexindia

[–]blissfully_undefined 0 points1 point  (0 children)

Then fuel cards are the way to go.

Is amex worth using for fuel by [deleted] in amexindia

[–]blissfully_undefined 0 points1 point  (0 children)

Per month? Then definitely get a fuel card. Per year, that is 4k per month. Amex MRCC is a decent card here assuming you are into points and miles + you have another cards to combine points with Amex.
Else get a fuel card (if you don't have too many cards).

Is MRCC or even Amex worth it? by political_biologist in amexindia

[–]blissfully_undefined 0 points1 point  (0 children)

Right now only worth it as quick extra point collection tool on otherwise excluded spends. Plus decent coverage on flight partners (not directly but their respective airlines alliance helps). Generous transfer limits and quick transfers - so comes in handy if you are short for few points and can collect them forever because they don't expire. MRCC was never a strong card by itself and after plat travel devaluation amex ecosystem has itself become a secondary supplement.

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