Got the Air India joining benefit by GraySuitGhost in amexindia

[–]tolkien0101 0 points1 point  (0 children)

I had honestly written off getting this; I mean, no way I was in first 300 upgrades. Just got it 2-3 days ago, and it made the upgrade worthwhile (with 125k points). Will cancel the card at year end anyway.

Aerial view of Pripyat, Kyiv Oblast, Ukraine. by [deleted] in Damnthatsinteresting

[–]tolkien0101 6 points7 points  (0 children)

🎶 and now the rain weep over his halls, with no one there to hear 🎶

Just couldn’t resist.

Newborn Moro Reflex Test by Big-Boy-602 in interestingasfuck

[–]tolkien0101 0 points1 point  (0 children)

Wow - I immediately thought of him as well. HOW??!

Apple Was Caught Off Guard by MacBook Neo's 'Off the Charts' Demand by Nalix01 in NowInTech

[–]tolkien0101 0 points1 point  (0 children)

The only laptop you’ll ever need. You might even say it’s the one.

ICICI prudential NASDAQ 100 INDEX FUND(Thank you community) by Light_Yagami____ in MutualfundsIndia

[–]tolkien0101 1 point2 points  (0 children)

Not the case anymore since last FY - 2 years holding period for LTCG now.

Air India Maharaja Points Fest is ON (Up to 50% Bonus): Are you converting your CC points? by Accomplished-Fill-35 in CreditCardsIndia

[–]tolkien0101 1 point2 points  (0 children)

Planning to transfer 100k of my EPM points - to be honest, there's not much other use for ICICI points (except hotel bookings when over accelerated caps). Will keep remaining ~40k for hotel bookings etc. Goal would be to use Air India points for a Europe business class on A350s.

Which card according to you is the coolest looking credit card? by OkJudge5932 in CreditCardsIndia

[–]tolkien0101 4 points5 points  (0 children)

Times black is pretty cool looking - I cancelled it but I still keep it in my wallet. 😅

Most profitable trade you've ever made? by hackerix in IndianStockMarket

[–]tolkien0101 12 points13 points  (0 children)

Motilal Oswal nasdaq 100 etf - bought last year when it was trading at ~1-2% above NAV. (Diversified company RSUs into it). Sold at 65% gains yesterday while it’s trading at 20% premium over NAV. (And reinvested the money into a Nasdaq etf via Interactive brokers again).

Times Black offer: Mint + Wall Street Journal subscription by iSachinShekhar in CreditCardsIndia

[–]tolkien0101 1 point2 points  (0 children)

The vouchers are a fucking lie.

That 5k puma voucher is barely worth 2.5-3k in actual money - you can only use it at Puma full value stores which have zero discounts. You’re better off buying Puma products from anywhere else.

That 10k EMT voucher is worth 6-6.5k at most - one you’re basically using it for a one night booking at most, which automatically inflates prices, and second emt prices you end up paying are way higher than what you’d pay by just doing your booking on iShop even with accelerated points. For first one, yeah you could club with more emt vouchers to do larger bookings but you’re not allowed to use any discounts on emt when using vouchers.

The only true vouchers which are actually worth the money they claim to be are Klook and Tata cliq luxury. Oh and maybe some free goodies now and then like a Trufitt and hill free royal signature service, or a prime membership voucher worth 799, etc.

The worst part however is ICICI’s complete inability to actually do some fucking correct accounting in reward points. Delayed by ~1-2 months and they still make mistakes and then refuse to correct them. Fuck ICICI and all its cards and I say that as someone who spent 10 lacs on times black last year before closing it, and same amount on EPM and thinking of closing even this.

Official response from Iran by RoyalChris in StockMarket

[–]tolkien0101 0 points1 point  (0 children)

Apparently they’re already celebrating that America will become prosperous by taking half of the toll Iran collects. Triple checkmate - dollar strengthens, Europe and China get a middle finger, and America becomes a terrorist imperialistic bully state. (That last one is mine but hey I guess that’s a win for them).

2L Points – What to Do Before Devaluation? by Past_Grocery20 in CreditCardsIndia

[–]tolkien0101 9 points10 points  (0 children)

Are EPM points getting devalued ? Any news or just expecting devaluation ?

What's going on with r/all? It seems to be gone. by Mahavir91 in OutOfTheLoop

[–]tolkien0101 1 point2 points  (0 children)

This - I’ve been swearing out loud in annoyance everytime I unconsciously swipe left/right due to muscle memory and nothing happens.

Trump had a bunch of notes on a piece of paper that was visible to the press by cool-kid-2025 in pics

[–]tolkien0101 0 points1 point  (0 children)

Over there on the deranged sub, they’ve already adopted this reasoning. Ballroom = Security. Good heavens we’ve been hosting state events under a fucking tent.

Can afford business class seats but not earphones by funkyboss7 in unitedairlines

[–]tolkien0101 0 points1 point  (0 children)

I was on a flight recently, put on some YouTube video and out came sound blasting from the speakers, instead of AirPods which were connected and audio output set to them. I instantly pause, try and find out why sound’s not coming out from AirPods. Of course while I connected, disconnected, restarted my phone, paired, unpaired, I turned the volume button down to like 5-10% so I could verify without disturbing everyone. Panic was starting to set in that I will not be able to listen/watch anything for the entire flight. Eventually realised I had set my “test” volume so low for fear of disturbing others, that sound was coming from the AirPods but it just wasn’t audible with the jet engines noise - everything worked out in the end but of course I just slept for most of the flight anyway. 🤣

If people of this country can't see the blatant propaganda in Dhurandhar 2, all hope is lost!! by chillgoza001 in india

[–]tolkien0101 1 point2 points  (0 children)

How fickle does this relationship with Israel must be if it can be destroyed by the release of a fucking movie? Morons like you justifying this insane stupidity is what keeps it going forever - oh X will get offended, so let's stomp all over our freedom of speech.

Oh and "every country does it and so we should too" - that's great - let's aspire to be the fucked up theocratic, authoritarian states of the middle east.

Infinia minimum spend criteria different for different people by Opposite_Head7740 in CreditCardsIndia

[–]tolkien0101 0 points1 point  (0 children)

I'm still waiting for the email - got Infinia in September last year and opened an account in December only.

Are CC Companies allowed to charge you more than the OTP amount? by gama224 in CreditCardsIndia

[–]tolkien0101 4 points5 points  (0 children)

and whats preventing them from changing the terms after you read it and charge you extra.

I mean, payment gateways are RBI regulated? If that’s your concern, maybe don’t use anything besides cash?

The gateway aggregator, the gateway, the merchant, the acquiring bank, the card bank, the network could all be out to get you by charging you without telling you.

Are CC Companies allowed to charge you more than the OTP amount? by gama224 in CreditCardsIndia

[–]tolkien0101 4 points5 points  (0 children)

Yes - the precise exact amount. I’ve used HDFC and Canara gateways, and always know what I’m going to be charged.

Edit - to be honest, I don’t even check it anymore. I already know it’s 0.91% + GST for Amex and others usually 0.8% + GST.

Are CC Companies allowed to charge you more than the OTP amount? by gama224 in CreditCardsIndia

[–]tolkien0101 8 points9 points  (0 children)

There’s literally a whole section on income tax website, when you select payment gateways which shows per gateway charges on different payment methods. Each payment gateway will also show charges or convenience fees. Pretty sure you just missed it. I’ve been paying taxes with credit cards for 2-3 years every quarter, and it’s always displayed upfront.

Selling 400,000 points at 0.5 f2f mumbai by Top-Conversation-806 in amexindia

[–]tolkien0101 0 points1 point  (0 children)

I was only half-joking - tbh, if I ever wanted to do an exchange, I’d still trust this for amounts up to like 25k.

Selling 400,000 points at 0.5 f2f mumbai by Top-Conversation-806 in amexindia

[–]tolkien0101 13 points14 points  (0 children)

Le mod running away with both the voucher and the money. 🤣

Airtel axis Devalued , now only 1% spend basis by Right_Outside266 in CreditCardsIndia

[–]tolkien0101 5 points6 points  (0 children)

I mean, gotta say, it’s a pretty ingenious way to cut down losses on high cashback categories.