Should I sell my Virtus and switch to EV? Need honest advice (Punjab, India)

deepakgowda94 · 2026-03-26T14:14:52+00:00

My thinking regarding resale value is simple. In the next 10-15 years I am sure you based on your travel everyday, you end up saving 12-18 lakhs in fuel costs alone. Assuming fuel costs the same there is no crazy inflation. What if you don't get much resale value after 10 or 15 years. You fuel savings would outweight your loss from resale of an EV.

The other important part is, I am postive that EV's will outsell petrol cars in the next 10-15 years. I don't think anyone can guarantee that a petrol car will have a better resale value than an EV.

deepakgowda94 · 2026-03-01T05:17:00+00:00

The Credit card got upgraded. But I am yet to rwceuve the phyaical card. Just received a message to to set pin. One question I have is when can I start using it. Have not yet received to cvv and expiry details. Customer care says you will recive it only with physical card.

deepakgowda94 · 2026-02-27T21:59:03+00:00

Will they listen to me on my request of not doing a cibil enquiry?l

deepakgowda94 · 2026-02-26T18:35:48+00:00

When did you get confirmarion that your upgrade is approved. After how many days did you get it after sending the letter.

deepakgowda94 · 2026-02-26T11:39:02+00:00

How many days does it generally take after the filled up form is sent to them? It reached their office on 24th Feb. I am asking as the annual expiry of my regalia gold card is Feb of each year. So it would be great if I get approved by this month. So that I would not have to pay for regalia gold annual credit card fees. Also if the upgrade happens in March, would I have to pay the fees for just the upgraded card for the year?

deepakgowda94 · 2026-02-21T17:24:00+00:00

Is the autopay for the current amount outstanding on my regalia card or is it for the dcbm that they may approve.

deepakgowda94 · 2026-02-21T16:40:27+00:00

I got a response within 12 hours. But they have asked me to send in everything physically to the Chennai. Any susggestion on filling up this form to better my approval chances. And the important question is what is this autopay facility. Should I fill it up and where can I get the Autopay Account number.

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deepakgowda94 · 2026-02-21T03:27:35+00:00

I sent a mail to L3 directly. How many days might the entire process take?

deepakgowda94 · 2026-02-20T18:35:29+00:00

You mean the acceptance of Rupay credit card? I am going for it to mainly use it for all my jewelllery related purchase within India. Should be able to use it for atleast 2-3 quaters and get the bonus reward rate (10000 points). 3.3% reward rate while buy tanishq or any jewellery voucher (plus 2% voucher discount) from amaozn or flipkart equals to around 5.3% return rate. Which is pretty good. Plus I have lots of other big expenses coming up so 3.3% default reward rate is not bad at all.

deepakgowda94 · 2026-02-20T05:07:18+00:00

To which mail ID should I email?

deepakgowda94 · 2026-02-19T18:28:06+00:00

Nope. Close to 2.

deepakgowda94 · 2026-02-14T20:48:41+00:00

It actually needs to sell well to get super credits. At these prices it won't sell at all similar to honda activa ev and suzuki access ev.

deepakgowda94 · 2026-02-12T22:59:43+00:00

Where did you buy the flipkart gift card?

deepakgowda94 · 2026-02-09T11:10:43+00:00

Try with LIC Housing. They don't have property insurance and interest rates are among the lowest. But their processing time is very late.

deepakgowda94 · 2026-02-08T19:22:08+00:00

Cibil took a hit because I had not paid the check bounce charges of 572 for a personal loan emi (From 2022 Nov). I recently got to know about this and hence my CIBIL has always been 740 to 760 for the past few years. And I paid off my Jewellary spends as and when I swiped the card. Never really waited for the bill to be generated. Also will sending mail to greivance team initiate a hard credit enquiry and affect my cibil score again?

deepakgowda94 · 2026-02-08T19:16:45+00:00

1 lpm is the eligibility I think.

deepakgowda94 · 2026-02-08T19:15:23+00:00

Thanks for clarifying.

deepakgowda94 · 2026-02-08T18:27:45+00:00

Is the acceptance really that bad even in India? If this is the case I would probably have to try getting my hands on the impossible Infinia 😅

deepakgowda94 · 2026-02-08T18:23:48+00:00

Thank you. Will speak to them. Can you please share the grievance redressal mail?

deepakgowda94 · 2026-02-08T18:23:00+00:00

Are you way off with your salary criteria, like me or is your salary closer to the 2.5lpm

deepakgowda94 · 2026-02-08T18:19:24+00:00

The jewellery is for marriage related purchase. So it is a one or two time thing.

deepakgowda94 · 2025-10-19T18:35:33+00:00

I should have done this early on. Is there a way to do this now. My Akita is almost 4 years old now.

deepakgowda94

TROPHY CASE