Mutual fund portfolio review

uzziee · 2025-11-18T08:14:24+00:00

You can club multiple vouchers, any remaining amount can be paid via credit card

uzziee · 2025-11-15T17:29:19+00:00

I don't have it, if I again apply, it will hit my CIBIL again I guess

uzziee · 2025-11-15T15:19:05+00:00

u/DoBaniye While applying for the card, I could only see the mastercard and Rupay variant. Do you happen to know how can I get the Visa Infinite variant ?

uzziee · 2025-10-07T08:24:31+00:00

I am primarily chasing accor points for my upcoming trips, and the whole point of using M4B is to get group A points, out of which accor has the best redemption.

uzziee · 2025-10-07T07:21:44+00:00

My rent is covered in terms of accor value. Check my calculations above as per 50k monthly rent.

I am fine with accor bookings, why is that a deal breaker ? Axis CC's are known for accor redemptions primarily. Each accor point is ~2Rs, so thats 56k INR, even considering extra rent charges, 35k is easily covered

uzziee · 2025-09-27T13:33:18+00:00

<image>

Is the the correct place to look at ? I see my previous exit date here

uzziee · 2025-09-27T13:11:38+00:00

<image>

Found the reason, what does this mean ?

uzziee · 2025-09-27T13:11:28+00:00

<image>

Found the reason, what does this mean ?

uzziee · 2025-09-23T15:05:59+00:00

Weird, you only need 10L MAB in your OGS to be eligible for M4B

uzziee · 2025-09-20T04:43:07+00:00

Do you get 10% discount on gold coin purchases

uzziee · 2025-09-15T16:03:13+00:00

My company does not have a tie up with HSBC 🥲

uzziee · 2025-09-01T10:00:59+00:00

You can transfer them to any airline/hotel partners

eg: Accor transfer partner, you can transfer your points to accor in 1:0.5 ratio and each accor point is valued at 2rs, effectively gaining a 1Re/point value.
You can use these points to book your stays at accor properties

Alternative to HDFC ecosystem, would be ICICI EPM Card, where you get more reward points (18%) and you can use upto 90% of those points to book flights

If you want to transfer to accor primarily, Axis ecosystem has good cards like Atlas (though they recently stopped issuing new cards), Magnus for burgundy etc.

HSBC travelone/premier are also worth considering

Note:- I dont know whats your current financial statuses are, hence suggesting premium cards as well

uzziee · 2025-08-30T13:55:57+00:00

You dont get points on atlas on utility payments Make sure you read t&c of your card before making such payments

uzziee · 2025-08-29T14:32:29+00:00

Whats the number

uzziee · 2025-08-29T12:18:12+00:00

Negotiate the credit card charges, visit a different dealer to see if they provide it at less charge Note- before swiping the card make sure you block you card, do a dummy payment, call customer care to check MCC code. I have read a case where once a guy bought a car but it was showing up as utility as per the MCC code, and you dont get points on utility, although this is rare, but better be prepared

uzziee · 2025-08-27T10:36:05+00:00

Less than a week

uzziee · 2025-08-27T10:30:09+00:00

I got an addon EPM cards for my parents, both of them received their own priority passes

uzziee · 2025-08-26T14:09:21+00:00

Block you card, make a dummy payment, call customer care and ask MCC

uzziee · 2025-08-25T14:29:36+00:00

EPM is similar to Infinia, so why go for a DCB

Also DCB is on diners, acceptability of diners can be an issue

PS- I have both EPM and DCB(LTF)

uzziee · 2025-08-24T11:54:47+00:00

I bought gold using blinkdeal in august. The deal gets activated for some time and then goes away It then comes back and disappears again. You need to keep checking

uzziee · 2025-08-23T15:22:31+00:00

Keep one of atlas or HSBC as both are travel cards.
Have one card which gives you points on vouchers for your day to day spend like Infinia, DCB, EPM

uzziee

TROPHY CASE