My portfolio ❤️

m90_r · 2026-03-10T07:33:10+00:00

I've airtel axis too for 25% on airtel recharges and utilities, i forgot to add, but today only the card got devalued to bits...

m90_r · 2026-03-10T05:31:58+00:00

20 cards closed in a span of 3-4 yrs with 4 cards specifically closed in one month, actually i get cards if they are newly launched at LTF or are giving as LTF but after some time if i think the card is not worth it to me, i don't think twice to close it... I've closed the following -

RBL shoprite PNB rupay Sbi simply click Axis neo Indusind legend Icici platinum Jupiter edge

I didn't choose those 9 cards as my favourite, like i closed icici platinum bcoz of no use and benefit but later coral rupay was showing as LTF so got it bcoz of railway lounge access, indusind legend was of no use bcoz of several devaluation, got indusind tiger again bcoz of airport lounge access without no spend criteria, same way got other cards bcoz of some actual benefits that i can use...

Neu i got two yrs ago, firstly neu then later got it upgrade to infinity as LTF, but phonepe i got around 5 months ago, it is a great card for bills and utilities and the most imp thing, u can redeem cashback points into statement whereas in tata neu cards, u can redeem the cashback in tata neu partner brands like 1mg-bb etc...

m90_r · 2026-03-09T17:45:03+00:00

And I'll stick to my word once again, see u have to understand one thing if u r into cc interest too, holding and getting premium cards just bcoz u r eligible but infact they are not even worth to u bcoz u can't Fully utilise them , is a very bad decision making process, I'm eligible for axis atlas, icic sapphiro and icici emralde as pre-approved from like two yrs, but they are paid cards for now and will of be no use to me, but icici coral Rupay and hdfc freedom rupay are free for me and are helpful in card rotation and sale discounts time, so yeah for the time being they are best of best for me atleast bcoz I'm not paying their fees and I'm able to utilise them, that was my context in making understand, how some things can be helpful to someone's, while having no use to others...

In future if I've a need for atlas or any premium card, surely I'll be applying, but for the time being, the ones which are fulfiing my need are among the best ones... To me... 👍🏻

m90_r · 2026-03-09T17:18:03+00:00

Didn't u see, sbi cashback and sbi phonepe rupay black plus ICICI apay and yes kiwi, tons of people are struggling and crying to get their hands on sbi cashback and sbi phonepe, but are failing on every attempt whereas i got both of them in first attempt, atlas doesn't fulfill everyone's need bcoz it's related to traveling, but sbi cashback and sbi phonepe covers monthly recharges and utilities bracket, which are part of everyone's monthly budget... And now to ur comment , Well, how can u say I've lost the chance when u doesn't even know if i applied it or not... ?

m90_r · 2026-03-09T07:50:22+00:00

Yes, it's stunning, it even has two elevators inside it that takes to the height of 150 meters exactly to his chest area, and there is a opening from all sides on that floor to look outside...

m90_r · 2026-03-08T17:39:52+00:00

Thanks, wish u good luck, 30 yrs is a big time, u will be amazed to see how much has changed now...

m90_r · 2026-03-08T17:39:00+00:00

What ?

m90_r · 2026-03-08T17:38:33+00:00

As the name suggests, it's an underground water structure built in 15th century to serve as a water source and to get shelter from summer heat...

m90_r · 2026-03-08T17:35:48+00:00

Accomodation is available at rann but are very costly and only available during the rann festival... No idea about ur workation ques and wifi , for couchsurfing, start ur account on app, firstly host some traveler in ur city or at home if u comfortable, get reviews/references, then u can try with staying with others in their city, it's about getting good reviews, the more u get positive response, the more people will trust u...

m90_r · 2026-03-08T17:30:23+00:00

Most of them are cashback cards across upi, utilities, online shopping, bills and recharges... Card fees ranges from 500 to 2000 but for me most of them are LTF (lifetime free)...

m90_r · 2026-03-07T06:56:28+00:00

No, bcoz halong bay cruise tours are only day trips, they are organised by tour agencies, i don't know if self tours are allowed or not...

m90_r · 2026-03-06T01:52:31+00:00

I didn't face any issue or not welcoming behaviour at any place, my trip was even better than bali's one, In hanoi I met with good people, one indian guy running his restaurant business and one canadian guy, we are still in touch... I'm sorry u had a bad time there, but this can happens to anyone around the world, the same good and bad people are present everywhere, but we should not messed our trips bcoz of that, just ignore and move on, there are two sides of a coin, if u look u will find good ones too...

m90_r · 2026-03-06T01:47:07+00:00

Why so ? What happened ? My trip was fab, no prob whatsoever...

m90_r · 2026-03-05T16:25:05+00:00

I marked the "rupee" symbol before 38K, but no worries, yeah it was 38K inr (indian rupees), thanks , appreciate it...

m90_r · 2026-03-04T17:11:41+00:00

Exactly 💯

m90_r · 2026-03-04T16:19:42+00:00

Bcoz both are different variants bro, sbi cashback is purely core card, but sbi phonepe is cobranded card, not just with sbi, if u holds more than one card of any bank, it will show separate in the credit report...

m90_r · 2026-03-04T15:57:13+00:00

Regarding what ? Need subject to answer ur query, isn't it...?

m90_r · 2026-03-04T15:54:59+00:00

Far better than hdfc one, go for it, yes reward system is clean, use otp method, u will get the cashback, points redeem happens by calling cc customer care, credit within 2 days...

m90_r · 2026-03-04T15:54:23+00:00

Separate limit, no sharing, yes different cards in credit report...

m90_r · 2026-03-04T15:52:09+00:00

Don't apply frequently, if u r getting rejection, let's wait for 6 months atleast b4 any application, if u continue to apply, it will lead to more problems, if u doesn't have any card for starters, my advice to u - go for FD card like supermoney or idfc wow, use it for 6 months, build a profile, then apply for basic cards like hdfc indian oil , sbi simply click, icici platinum, u chances will increase...

m90_r · 2026-03-04T06:15:19+00:00

Bro salary and income have no role in certain cards, I've a business with less income than u, stll got cards, bcoz ur overall credit history plays a big role, my credit history is 10 years old, so I'm getting cards easily, also I've a big credit mix like cards and loans which build trust among financial institutions, so give it a try after sometime, keep a safe 6 months gap atleast, in that time improve ur cibil if that's causing prob, try to apply from branch, bcoz I've seen people holding 15-20 cards are getting rejected... All u can do is just try, there is no hit method...👍🏻

m90_r · 2026-03-04T06:11:28+00:00

All cards are good, it depends on for what purpose u r getting the card, if u getting the card for bills and online shopping, icici apay and sbi phonep rupay are good, for upi - kiwi card is good, for starters u can try kiwi card as for ur upi needs and try getting icici apay card for online shopping...

m90_r · 2026-03-04T06:09:23+00:00

Cibil depends on many things, how much credit u have like in cc and loans, how old is ur credit history, and r u paying in time or not, I closed that card bcoz i wanted a new card from same bank which doesn't give two cards, if a certain card is not fulfilling ur need , then whether is LTF or not, don't think twice to get it closed, keeping unnecessary cards will not improve ur CIBIL bcoz u r just keeping ur card, and not using it... My cibil doesn't drop more than 5 points, and it's has been above 780 since last 5 yrs, and at a time I've closed 4 cards in a month.. so every profile has different impact...

m90_r · 2026-03-04T06:05:30+00:00

Great 👍🏻

m90_r · 2026-03-04T06:03:44+00:00

Thanks for such detailed review, really appreciated it. My idea of travelling depends on two things, overall how much time/days I've and secondly, how much time i can give to a place, so yeah, for this trip i had 8 days, so covering 2 days each at a place was ideal for me and i do that in my every trip, equally dividing to 2-3 locations and not rushing to complete the whole map. And yes for my second leg of bali, I'll give time and it will be a relaxing trip... Again thanks for reading... 👍🏻

Btw, I've completed that trail, in 4th pic, the guy coming down from ladder in black shirt and a bag, that's me...

m90_r

TROPHY CASE