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  1. ShavirB

    Getting Credit Card without hard CIBIL Enquiry

    Got it. Learned something new today (y)
  2. ShavirB

    Best FD linked credit card

    For improving your score, you will have to first understand why it's low. Getting a Credit Card may not be the best move without doing a root cause analysis of your score.
  3. ShavirB

    LTF sbi credit card?

    One of my close friend has SBI Elite as LTF. He works with a top tier PSU.
  4. ShavirB

    Comparison of three Popular HDFC Bank debit cards: MoneyBack Debit Card/Millennia Debit Card/EasyShop Platinum Debit Card

    Just to add the Annual Fees for all 3.... Moneyback Debit Card - ₹ 200 + taxes Millenia Debit Card - ₹ 500 + taxes EasyShop Platinum Debit Card - ₹ 150 + taxes Also, is EasyShop Platinum Debit Card still being issued? I read somewhere that this card was being phased out..
  5. ShavirB

    Getting Credit Card without hard CIBIL Enquiry

    Strange...Are your sure about this? Because from what I know all the credit rating agencies pick this data from the Banks. So if Bank is reporting data to 1 rating agency (Experian), it must surely be reporting to other agencies as well P.S - I don't have 2 Credit Cards from Kotak, but I've...
  6. ShavirB

    best mutual fund in smallcap

    You can watch this video ***********.youtube.com/watch?v=DYUWVUob4vE&t=17s
  7. ShavirB

    Policybazaar vs Ditto

    Have been using Ditto for the past 3 years, satisfied with their service. There was a minor issues 1 year back as I had made a policy claim and the response time was a bit on the slower side - generally they're very prompt. But was soon streamlined after 1 escalation. Overall I would rate them...
  8. ShavirB

    Kotak Activmoney Review

    You can follow this thread for updated discussions: https://bekifaayati.co/threads/kotak-activmoney-7-feedback.208/#post-8117
  9. ShavirB

    Kotak ActivMoney 7% Feedback

    Under current circumstances - FD rates are at an all time high, but Savings Rates are low, having a Sweep- In FD account makes a lot of sense. Can easily make 3-4% extra
  10. ShavirB

    Which bank is best for HUF Bank account ?

    Hi, broadly the minimum balance in HUF Account is same as Savings Account. Which means you can open an HUF Account with as low as 5,000 - 10,000 min balance depending on which area (urban/ semi urban, rural) you're in. Please note that currently No Bank offers a Zero Balance HUF Account
  11. ShavirB

    Axis Credit Card Status

    How to Track Axis Credit Card Application Status? Have been observing that a lot of folks are finding it tough to track their Credit Card application after applying. Thought would pen down few ways in which you can track your application Online through official website Here are the steps to...
  12. ShavirB

    Baroda Tabit - New Way of Banking

    Hi All, found a new feature from Bank of Baroda called ‘Baroda Tabit’. It’s not technically new, as it was launched in 2019. Basically it's a tablet based instant account opening and banking solution. After the launch in 2019, it has seen some success. Infact Bank of Baroda foresees 75% of their...
  13. ShavirB

    LTCG Benefit on repaying Home Loan?

    @Tax with Ria @Hema Kulkarni Requesting your expert insights
  14. ShavirB

    ICICI Bank Emeralde Private Metal Credit Card Detail Review

    HDFC Infinia anyday because of their Smartbuy feature. If you know how to use Smartbuy you can get upto 15-16% cashback for certain transactions.
  15. ShavirB

    CREDIT CARD SCAM 2024 SBI CARD

    If the transactions are not too old (2-3 days), you can simply file a complaint with your Bank and they will waive of all the charges. All credit cards come with complimentary fraud insurance
  16. ShavirB

    HDFC Ergo Family Health Insurance: Why Choose This?

    HDFC (or any other Insurer) doesn't offer specific plans for Couples. They offer Family Floaters which can be opted by couples also. Few options in HDFC are - Optima Secure, Health Suraksha and Optima Restore Family. Personally, I've found both Optima Secure and Optima Restore Family to be one...
  17. ShavirB

    Regarding income tax return

    hi @Tax with Ria , would help if you could share your insights on this
  18. ShavirB

    Im Currently in confusion on how to choose myself a credit card for my good Life Expenses

    Hey! Apologies but we won't be able to share the excel at this point. You can let us know your needs and monthly spending pattern, we'll suggest a good card for you
  19. ShavirB

    Happy to be in a fin-head community!

    Hi @jainanimesh , welcome to the community :)
  20. ShavirB

    Axis Bank credit card rejected

    Right now Axis Credit Cards are pretty much useless. Won't recommend
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