FOCUS ON INCOME AND WEALTH CREATION FIRST.
Technofino forum is a nice place to learn about how to manage Credit Lines and Cards.
Just don't get greedy and make more spends than you can afford.
Learn how billing cycle works.
Don't abuse tricks too much - banks can retaliate by blocking your cards etc
Most important - http://www.technofino.in/community/threads/the-ultimate-guide-to-building-and-maintaining-a-top-credit-score.34335/
http://www.technofino.in/community/threads/the-ultimate-credit-card-guide-–-one-stop-solution-for-all-your-queries-with-rr-analysis.37908/
this section is nice - http://www.technofino.in/community/categories/exclusive-content-by-technofino-family.66/
Railway & airport launges:
http://www.technofino.in/community/threads/free-airport-lounge-access-using-credit-cards-how-it-works-and-how-much-banks-spend-for-your-free-lounge-access.15411/
There are basically these kind of rewards:
1. Cashback (this is adjusted in next billing cycle)
2. Reward points - you have to see effective return per INR, for eg Axis Atlas gets you 14% return on travel spends. - this card is even good for offline spends.
3. Milestones
If you plan well, you can get even 20-30% savings.
MCC codes
http://www.technofino.in/community/threads/using-credit-cards-to-purchase-a-car-–-a-smart-way-to-save-more-detailed-guide.40011/
USA cards even give signup bonuses, there are buying groups there so you can legally churn (tax reporting is kinda tricky). Nova, AmEx Global,itin
Strategic Spending if you have a business can get you free flights & hotel stays.
http://yaper.co/how-it-works
Indusind Tiger
SBI cashback is nice for online spends - amazon sales - electronics - applainces - , axis flipkart, icici amazon pay
Rent spends - https://redgirraffe.com/in/
Education spends - Domestic , international get good rates with IDFC, IOB
Commercial Electricity/water - Corporate cards, discuss with your banking partner which youhave high NRV.
UTL Solar Panels 15kw, 4*150 Ah barreries, on-grid, sell to gov.
Rent EV, lease your own properties, rent your home, buy a bike?, farm land, own a church - sec8 society - family trust -willjini
Forex - Scapia, Onecard, (0%), USA card, Kotak 811 Visa Infinite Metal Debit Card with IP of 1L, premium card with GVP switched on.
https://www.technofino.in/community/threads/beat-forex-fees-best-credit-cards-that-offset-mark-up-fee-with-rewards.32783/
Hdfc business first has business PAN.
Hdfc bizblack is nice for gov spends.
https://offers.reward360.in/business/log-in
Yes marquee for unlimited international launges.
Amazon Pay is a good starter card and even pay good cb for insurance spends.
Indusind EasyDiner Signature is nice for dinning.
Hp pay app with amazon pay via AmEx Gold is nice for fuel spends.
Axis Airtel is nice if you have airtel wifi, airtel sim cards etc.
Can find telegram groups via Twitter,
https://t.me/credofly
BoB Rupay Wellness card gets you free prime video among other things (check rupay select site)
IDFC Business debit card - domestic launges.
Apps you can check out for international travel - http://points.me/, http://roms.aero/, http://seats.aero/.
Youtube channels: spendwisely, technofino.
Blogs - https://thepointsguy.com/airline/guide-to-airline-stopover-programs/, https://livefromalounge.com/
P. S. don't be afraid to escalate to pno email id's, rbi ombudsman etc.
https://www.technofino.in/community/threads/share-your-irl-banking-gr-complaint-system-experience.31120/
DON'T fall for super premium card scams against ULIP etc, increase Credit Limit via Income docs sharing, or just apply for regular Limit Enhancement (for eg Onecard, AmEx)
P. S. S. Can get first card against FD & card offer via family/private banking.
Domestic launge network - dreamfolks.
International - launge key.
p2p lending - become loan shark?
https://www.technofino.in/community/threads/mobikwik-reinvested-p2p-lenders-money-without-their-consent.31583/
https://www.netflix.com/title/80990073
Angel Investing > well researched stock > MF > smallcase > PPF > FD
3Cr ⚰
FkAxis cloth
ppf
#finance
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