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I know that, but if you regularly pay a merchant using a credit card like buying groceries and vegetables, Super Money will simply display a message stating that this transaction is not eligible for cashback and won't provide a single paisa, unlike Tata Neu and Navi, which always offer cashback.

This issue occurs only in Super Money, not all RuPay Credit Cards. If you're looking to maximize rewards, try using the Tata Neu Credit Card via the Tata Neu app—this way, you'll earn 1.5% NeuCoins on every UPI transaction, capped at 500 Neu Coins per month Or else, just use any RuPay Credit...

Both via Tata Neu app

I'm really sorry to hear about your situation. Real estate and loan frauds like this are unfortunately not uncommon, but there are steps you can take to protect yourself and seek justice. Here’s a comprehensive action plan tailored to your case: 1. Immediate Steps: Reporting and Documentation...

Which is Best? Continuous compounding (Bank A) generally yields higher returns than standard compounding. If Bank A's time-dependent interest rate is favorable throughout the year, it will likely outperform Bank B and C. If Bank B’s average rate over the year is higher than Bank A's equivalent...

Looks like Mobikwik has a special place in its heart for me - always last in line for a rewards reduction! Paid 4 CC bills yesterday and, as expected, got the usual rewards (or what’s left of them). How thoughtful! 🤣

Category Amount (₹) Best CCs (Existing/New) Cashbacks/Reward Rate Key Notes Electricity Bill 2500 Airtel Axis (New)10% via Airtel Thanks App₹250/mo cap; pay via Airtel app for max benefit Groceries (Offline) 6000 HSBC Live+ (New)10% at supermarkets₹1,000/mo cap; if not available, use OneCard...

Not at all! If you're a medium spender, consider getting a cashback credit card like HDFC Swiggy or SBI Cashback for great rewards. You can also opt for a lifetime free credit card like Amazon Pay ICICI or a RuPay card such as Tata Neu Infinity RuPay CC for added benefits. 🤗

AIS/TIS aims to capture all your financial transactions, but sometimes not everything appears immediately. You are still responsible for accurately reporting all your income and investments in your ITR, even if something is missing from AIS/TIS. 🫡

Use your CC offline at least once by swiping or using tap & pay within 32 days from issuance to ensure it remains active in the bank's records. After 6 months, Update your mobile number and email ID either online or by visiting a branch because as per the bank's policy No changes can be made to...

Method How it Works Pros Cons Add on CCs (Visa/Master)Each member gets a card, all spend from one limitEasy tracking, flexible, no approvalsCredit card only, not UPI Add on Rupay CCEach member gets a card, all spend from one limit; each can link their card to their own UPI app(T&C)Seamless...

Then get one 😉

If you are a salaried individual, TDS on your salary is mandatory and must be deducted by your employer before paying you. This TDS is not something you can pay yourself by credit card-it is the employer’s legal responsibility to deduct and deposit it with the government. However, if you have...

Here are my reasons to use this apps: Cred: Manage and track multiple credit cards & accounts(Cred Money), receive payment reminders. Analyze spending, uncover hidden charges, and monitor CIBIL score within the app. Mobikwik: CC bill payment via SBI Virtual DC

If you're considering this card for a phone purchase, keep in mind that cashback typically doesn't apply to EMI transactions. While this card is a fantastic choice for full payments and frequent Flipkart shopping—offering 5% unlimited cashback, exclusive discounts, and special sale offers—EMI...

No, as a salaried individual in India, you cannot ask your employer to skip Tax Deducted at Source (TDS) on your salary and pay the tax yourself. Employers are legally required to deduct TDS from your salary based on your declared tax regime (old or new). If you do not inform your employer of...

Paying only ₹10,000 instead of the full ₹20,000 EMI might seem manageable in the short term, but lenders treat this as a missed or partial payment. Even if you clear the remaining amount later, it could still be reported to CIBIL as a delayed payment, potentially lowering your credit score...

Yupp 🙃 MDR is charged on the entire amount when the transaction exceeds ₹2,000, not just on the extra amount over ₹2,000. For example, if you pay ₹5,000, the MDR applies to all ₹5,000, not just the ₹3,000 above the threshold. 🤑

Yes, for tax safety, keeping your total credit card spending and transfers under ₹10 lakh per year can help avoid automatic scrutiny, but banks and the tax department may still question unusual patterns or rolling transactions. There are no special thresholds where you pay more, except...