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Nice setup,looks pretty balanced already. Since you’ve got decent online spends and insurance payments, I’d say: Flipkart Axis: If you’re a Flipkart Black member, this card’s value has definitely dropped after recent downgrades. Unless you’re getting consistent 5%+ cashback benefits, you can...

I have been working for 2 years. Now I think that I have enough savings to buy my choice of bike. Right now, I also have a SBI SimplyClick credit card. I wanted to know if it would be good to buy bike the credit card? Like there are three options for me now: buy bike with credit card, cash or...

HSBC usually kuch income proof maangta hai, especially self-employed logon ke liye, kyunki ye unke standard eligibility check ka part hota hai. Koi aisi “trick” nahi hai jisse bina proof ke card mil jaye. Agar aap self-employed ho, to aap ITR (Income Tax Return) ya last 6–12 months ke bank...

Thanks, useful details! I have some thoughts for big govt/NPS/tax payments look for cards that reward online or bill payments (gateway fees can eat into value, so check that), and prefer cards with easier redemption if you don’t like complicated reward funnels. You might want to try a low-fee...

That’s a really helpful explanation, thanks for clearing that up! Do you know if banks usually allow converting FD-backed cards to normal unsecured ones later on, or do I have to apply for a new card altogether?

Hi Sanket, I researched about this and found this information about these issues. Here’s what I’ve found: The 10% cashback on groceries applies only to online grocery transactions (like BigBasket, Blinkit, etc.), not local vendors or UPI payments. UPI spends are treated as regular transactions...

It is been a long time that I have been in some debt. But this debt is all from offline people. My cibil score. I have got a good job but now I want some low interest personal loan amount so i can pay off the debt and start giving EMI with my salary. I really want to get out from this is there...

10 Bank accounts that's a really a lot. How are you able to manage these?

Haan, aisa ho sakta hai maine bhi kahi pe reviews padhe the ess bare. Kuch users ne notice kiya hai ki Scapia app mein IRCTC / train ticket bookings par extra charge ya convenience fee lagti hai

Derivative trades are financial contracts whose value comes from an underlying asset like interest rates, currencies, or bonds themselves. Common examples include interest rate swaps, futures, and options. When people say bonds can be used as collateral for derivative trades, it means you can...

HDFC also has IndianOil Credit which gives good points on fuel spends

For the longer run, SBI Cashback is much better option because it gives you comfort of spending on any website. If you think your spending will be lmited to Myntra and Flipkart then you can go for other cards.

I had a Axis Bank credit card but after an year I received a notification that you have an offer to double your credit card. Within just a click, the limit was doubled. You can try emailing them on creditcards@axisbank.com or any other email you know. This is what I emailed to some other bank...

Buying a home is a dream for many, but navigating the loan process can be confusing with so many banks, varying interest rates, and hidden charges. In such situations, taking help from a home loan consultant or financial advisor can make things easier — they can assist with documentation...

SBM Credit Card's data is probably sent to CIBIL either at the end of each month or a few days after your billing cycle closes. So, a safe assumption is that the reporting usually happens around the end of the month.

This is a common problem which has happened with me quite a lot. But then I tried applying HDFC SWiggy Credit Card through Swiggy app. It got approved. I had like HDFC Tata Neu already bu the limit of both the cards was merged into my primary card.

If you’re just transferring money between your own bank accounts, even through multiple UPI apps, then there’s no income tax issue. The Income Tax Department only cares about income, not movement of your own existing money. So if the source of funds is already taxed or declared (like your salary...

RC (Registration Certificate) par jo variant likha hota hai, wo vehicle ke physical ko represent karta hai jaise “Ather Rizta Z 3.7kWh”. Lekin insurance companies ke database mein kabhi-kabhi slightly different naming hoti hai, jaise “Ather Rizta Z 3.7kWh Pro Pack”, “Plus Pack”, etc. Ye unke...

That’s actually a really good question and you’re not alone! Many people with great credit habits get “stuck” around the 780–790 mark. A score of 786 is already solid, but crossing 800 usually needs a bit more activity in your credit profile. If you don’t have any active loans and use very...

I get these messages from different banks. Mostly, it is not pre-approved. You have to apply then they check the eligibility