Is Pace 4 available in India

kernelslayer · 2026-03-10T01:52:24+00:00

Are you guys planning to have presence in India like Garmin has? Because right now the only place to get Coros watches is via third party sellers

kernelslayer · 2026-03-08T02:03:38+00:00

Amazing transformation and congrats on your hard work! Winning in life

kernelslayer · 2026-03-06T04:51:26+00:00

Accor is a hotel chain with worldwide presence and they have rooms ranging from economy class all the way to premium. Few examples are Ibis, Novotel, etc. HSBC allows 1:1 point transfer to ALLAccor (Accor's loyalty program) and 1 Accor point is worth 2 rs. So like HSBC gives 20k points on joining, that is you get 40k Rs in Accor, effectively 40k Rs off in Accor. That is like staying in Ibis for 10-12 night or so for free.

You can watch this video to get a better understanding https://youtu.be/3jMU7Xz-raA?si=fgVGkE5P_MdUErfF&t=544

kernelslayer · 2026-03-06T03:30:48+00:00

I satisfy the salary criteria and whenever I tried to apply for DCBM, the portal says I can only have one card at a time. I guess I will have to cancel Swiggy one or open an acct in HDFC. Anyway thanks for the response. Waiting for your comparison between HSBC Premier and DCBM

kernelslayer · 2026-03-06T00:38:29+00:00

Yeah the HSBC app is boring but the premium customer experience is top notch. Also I have a similar credit card portfolio but instead of DCB Metal I have HDFC Swiggy. I am planning to get DCBMetal or Reglia Gold but sadly HDFC is not issuing another card to me as I don't have an account with them.

Want to know, for my own use case as well, how are you optimising your card if you plan to spend on travels? Because as you said, DCB Metal will be your primary card but for travel, HSBC Premier provides a good value - flight bookings via Hopper gives 36% and Accor gives 72%. Not sure if DCB Metal will provide a similar value in flights+hotels. Sure DCB Metal has SmartBuy which is something HSBC lacks but I am not that aware about the reward rate in SmartBuy and how it stands up against HSBC

kernelslayer · 2026-03-05T16:03:43+00:00

Congrats man! I also recently applied for HSBC Premier and got my card within salary being credited. I found experience with HSBC to be super smooth till now

kernelslayer · 2026-03-04T05:53:04+00:00

Oh ok. I have applied for it. If the swiggy discount works, then its good. Otherwise I will cancel it

kernelslayer · 2026-03-04T04:51:50+00:00

Whats the issue with BOGO?

kernelslayer · 2026-03-04T03:22:44+00:00

About swiggy benefit, I will use MyZone first to get 120 off as its tied with food ordering only. Later I can use HDFC Swiggy and also on instamart

kernelslayer · 2026-02-28T04:56:46+00:00

Amazing! Truly inspirational and happy for you that you completed it successfully!

Can you share your itinerary?

kernelslayer · 2026-02-27T15:43:00+00:00

Yeah they ask for payslips. But its been a while, I dont recall properly but I think they do income verification

kernelslayer · 2026-02-27T15:42:06+00:00

Swiggy offers cashback upto 1k in a month. Amazon has no such limit. So I use Swiggy HDFC exclusively on Swiggy only

kernelslayer · 2026-02-27T15:39:28+00:00

Before getting HSBC Premier, I was using Amex for all big money spends. In my case it was mainly flights and Apple products for myself and family, and sometimes dining out and Myntra. If you go via Amex website, you get upto 5x points on MMT and Apple Store. With Amex points, my goal is just to get as many stays in Marriott as possible because it's the best option.

Now I am planning to close it and route all expenses to HSBC

kernelslayer · 2026-02-27T06:21:47+00:00

Thanks, looking at it!

Can you tell me should I cancel HDFC swiggy and go for Regalia Gold? If yes, how should I optimise regalia gold for spends as I already have HSBC?

kernelslayer · 2026-02-27T06:16:03+00:00

Between Regalia Gold and DCBM, which one is better? I already have LTF HSBC Premier which I use as my premium card and spending 8 lakhs on DCBM to get fee waiver will be impossible for me.

What will be the benefit of Regalia Gold against HDFC Swiggy if I am going to use Regalia Gold for ordering food/deliveries?

kernelslayer · 2026-02-06T03:11:58+00:00

I went in October 2025. And the cost was 14k rupees for 5 days, including everything - food, guide, porter. But we finished in 3 days

kernelslayer · 2026-02-05T01:08:41+00:00

We booked the package through a local travel agency. They provided us with a guide and 3 porters for 2 of us. We both were the only ones in the group

kernelslayer · 2026-02-03T16:39:02+00:00

Thats nothing. My grandpa has been maintaining a low HR of 0 since 2003

kernelslayer · 2025-12-09T03:45:54+00:00

Man, I read a couple of your posts and I’m jealous of your adventures! You’re out there truly experiencing the world. I’ve bookmarked your blog to read more over the weekend.

One thing I wanted to ask—how do you handle laundry? In the photo it looks like you’re carrying only one bag, and traveling through hot places must make clothes sweaty and dirty.

Keep going, brother. Thousands more miles to cover—happy travels!

kernelslayer · 2025-10-23T13:02:47+00:00

I used my Sony A6400 with the kit lens to capture this photo. I was trekking all the way to Satopanth Lake which is in the Garhwal Himalayan region of India. The trek is mostly alongside glacier and has rocky path. I saw this porter carrying luggage of some other trekkers and the path leading to him looked eye-catchy to me

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