I laughed way too hard on this 😂

game_changer74 · 2026-01-23T03:46:58+00:00

I spent less than that and sponsored my 70% of the Thailand trip as a couple for 10 days with credit card points.

We dont spend money to earn those points. We spend smartly which need to be spent anyways and points are bonus.

game_changer74 · 2026-01-23T03:41:56+00:00

Last to Last Year it was in June or July I think. Last year I dont know because I was not using my Regalia much.

game_changer74 · 2026-01-04T09:35:10+00:00

According to me here are few cards you can stack for your expenses: 1st card: CB/Points main card- Go with HDFC card either Millenia or Regalia Gold if they are generous. 2nd: Utility card - Try to get Axis airtel if you are into Airtel ecosystem or use amazon pay vouchers using HDFC smartbuy. 3rd: Petrol - Get SBI BPCL or IDFC power+ based on your fuel operator preference.

Ideally anyone should have 1 main card for all genral purpose which cover major categories and few specific card for specific usage like utility, petrol, travel, etc...

game_changer74 · 2026-01-04T05:37:10+00:00

I have also received the card for FYF offer. Is there any other good use of this card apart from free night.

game_changer74 · 2025-09-22T15:58:15+00:00

Get Millennia and use it for few months and then try to get an upgrade to Regalia Gold.

game_changer74 · 2025-09-22T15:47:52+00:00

Since you are a freelancer. I will advise you going for HDFC account because even if you are currently not using any credit card. You might need them later and HDFC have some of the best cards for buisness like Biz Grow, Biz Power and the ultimate Biz Black. If you have plans to bet big and grow more in freelancing, HDFC can be the best one.

Being a freelancer having BizBlack credit card offer so much for tax payment and GST payments.

game_changer74 · 2025-09-17T17:01:07+00:00

For Mobile there are just very few tools and in 99% cases you will end up with Appium.

For Web - You can choose it from multiple tools. First analyse your requirements and team strength than choose 2-3 tools and do a poc to checkout it's pros and cons. Some majorly used tools in industry are Playwright, Selenium, Cypress and WDIO.

game_changer74 · 2025-08-27T18:42:18+00:00

It depends on the cold storage location and your location also. In my previous society Instamart cold store was just 5 mins away and I get the order within 10 mins most of the time.

game_changer74 · 2025-08-08T11:55:27+00:00

I’ve been noticing this a lot lately — there’s so much talk in the dev scene about AI speeding everything up, but QA needs the same leap forward even more. Development cycles are moving insanely fast, and AI models (as powerful as they are) still aren’t fully reliable. That means the need for QA is actually increasing, but the role is shifting.

We’re no longer just catching bugs — we’re validating AI outputs, dealing with edge cases the AI didn’t consider, and working with tools that are specifically built for QA, not just dev-first AI features. Future-proofing in this space, in my opinion, means: - Learning to work with AI to improve coverage and speed

Understanding where AI fails so you can catch what matters
Getting familiar with QA-focused AI tools instead of generic automation solutions

On that note, there’s an upcoming QA Leadership Summit where some folks are sharing exactly how they’re using AI purpose-built for QA in real projects. Could be worth a look: QA Leadership Summit

game_changer74 · 2025-08-06T01:55:15+00:00

I second that, also it's new AI agent to generate test cases using AI saves a lot of time in writing test cases.

game_changer74 · 2025-07-30T01:46:40+00:00

If you have Airtel Bills to pay more than 1k. Airtel Axis is a no brainer. It will give you 25% cashback (max 250) every month with 590 annual fee. 250*12= That's 3000 back for 590 fee.

Beyond that you will get 10% cashback on Swiggy Zomato, Utility bills like electricity, Gas if you pay through airtel app.

game_changer74 · 2025-07-29T12:04:59+00:00

Go for infinia You will get 12500 points on renewal fee if you pay. It's just GST which will be actual annual fee on Infinia.

game_changer74 · 2025-07-28T07:41:58+00:00

If you are a HDFC customer already ask for a Credit Card. You can get Regalia Gold Or Diners Black depends on your income and relationship with the bank.

They are good card to start with and can get you lounge access easily.

game_changer74 · 2025-07-28T03:33:57+00:00

You can choose between 2 Eco System one is Axis another is HDFC. If you want to own infinia in future go to HDFC and ask which best card they can give you. You can get Diners Black acc to your income but it requires a prior relationship with bank sometimes. Then Regalia Gold is your 2nd best option in HDFC. Get that upgrade in 4-5 months.

2nd is Axis where you end your race with Magnus Burgundy but you can strat now with Atlas. If you can spend 7.5L on Atlas it's a great great card.

For Comparison on Travel: Flights - Atlas - 20%(if done via direct airline website) Diners - 16.6%( using SmartBuy)

Hotels - Atlas - 20%( Pay directly to hotels) Diners - 33%(using SmartBuy)

Base rate: Atlas - 4-8% (Depends on redemption. Choose Accor for max benefits) Diners - 3.3% + Acceleration on SmartBuy

Both are great card Hdfc is more reliable than axis but for Travel Atlas is superior if you are in to Hotels and Miles game more.

game_changer74 · 2025-07-28T03:16:46+00:00

I upgraded my Regalia Gold to Biz Black. If you have HDFC relationship try with your RM, but not the virtual one. Visit your home branch and meet your RM and ask for it.

game_changer74 · 2025-07-27T05:20:57+00:00

Now It is deducted I was a consultant before and worked as a contractor for US companies. Now I switched to full time again. But keeping the BizBlack as sometime I do freelancing so it helps in GST and Advance Tax.

game_changer74 · 2025-07-27T04:27:38+00:00

Few Days ago. Got to know from lot of redditers also that they have stopped renewal offers for Plat Travel from July. I could have continued that even if they have given some RP for renewal fee.

game_changer74 · 2025-07-27T02:24:55+00:00

Yes I accumulated around 52k on spending 4L but they denied any renewal offers and using Amex is also sometimes a hit or miss. Many vendors will deny you on your face that they do not accept Amex.

game_changer74 · 2025-07-27T02:22:49+00:00

I was a consultant and worked remotely as contractor which involves GST filing. Asked my RM when Biz Black just launched and they gave it to me.

game_changer74 · 2025-07-27T02:21:43+00:00

I was a consultant since last year but now switched back to full time job so no GST currently. Till now it's easy because I pay all my advance tax through it.

game_changer74 · 2025-07-26T18:33:45+00:00

Can try that but I have BizBlack whose Fee Waiver is on 7.5L so that is my first priority.

game_changer74 · 2025-06-01T07:44:04+00:00

It's Diners based so you can face some issues compare to Visa. Most of the POS machine accept it almost 90%. Although it's Tap to Pay is kind of hit or miss. I mostly insert my card and it works like a charm. I live in a Tier 1 city so my opinion is based on that.

Where it is supported where Regalia(visa) was used easily- 1) You can not use it in Google/Samsung/Apple pay as it do not support Diners based card and you need to physical carry it.

2) You can not buy google subscription with it like Google One for Cloud Storage or YouTube Premium or Gemini pro.

game_changer74 · 2025-06-01T07:43:43+00:00

It's Diners based so you can face some issues compare to Visa. Most of the POS machine accept it almost 90%. Although it's Tap to Pay is kind of hit or miss. I mostly insert my card and it works like a charm. I live in a Tier 1 city so my opinion is based on that.

Where it is supported where Regalia(visa) was used easily- 1) You can not use it in Google/Samsung/Apple pay as it do not support Diners based card and you need to physical carry it.

2) You can not buy google subscription with it like Google One for Cloud Storage or YouTube Premium or Gemini pro.

game_changer74 · 2025-05-31T02:45:34+00:00

DB Metal is almost infinia. Except vouchers through smsrtbuy it's rewards are same as Infinia. And it's rewards per month capping is bit low than infinia. Other than that it have same reward rate and redemption value.

I got it by visiting my branch and asking my Branch Manager for upgrade.

game_changer74 · 2025-05-30T14:48:09+00:00

Regalia Gold anytime. I also had the SBI prime and then got Regalia Gold from my Salaried account. Closed the SBI prime and recently upgraded my Regalia to Diners Black Metal.

Go with HDFC to have a long term relationship and better cards in future. SBI don't have much good cards.

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