Login

u/Believer_016

▲ 12 r/Deloitte_USIndia

WFO : In Office Compliance %

Hi Everyone,

Seeking some information related to what % of office compliance one needs to mantain in the year in order to ensure their bonus/hike is not taking a hit ?

I've had a colleague tell me that in Global Tax it was announced in an AHM that for Managers and above it is 50% + , SC 75% and C 90%+.

Is it applicable for all OPs ? Or will the decision be vested on the leadership to tailor that threshold.

100% cannot be a realistic number, because more than 75% people from my MO have missed atleast 1 week since January (i got my conversations on the floor). If all their bonuses get a hit due to it, then there will be sure shot exodus.

Seeking any legit information on the same

reddit.com
u/Believer_016 — 11 hours ago
▲ 38 r/CreditCardIndia

Review & Guidance On My Little CC Collection

29M | Consultant | NIT & IIM Alumnus | CIBIL: 798

---

Card Collection

  1. **Axis Flipkart** – LTF (made lifetime-free by RM during COVID) | Used exclusively for Flipkart and Myntra purchases.

  2. **ICICI Sapphiro** – LTF via Alumni offer | Reserved for ICICI-specific offers on short-haul flights and online shopping.

  3. **AU Bank Ixigo** – LTF | Used only when a good deal is available on Ixigo.

  4. **HDFC Tata Neu** – LTF after a promotional upgrade at the one-year mark | Primary card for BigBasket, phone and utility bill payments via the Tata Neu app, and HDFC-specific offers on Flipkart/Amazon.

  5. **HSBC Live+** – ₹999/year | Recently acquired for HSBC-specific offers; intended primarily for Swiggy, Zomato, and DMart going forward.

  6. **IndusInd Tiger** – LTF | Used for domestic lounge access; my only card with international transactions enabled — used for game purchases on Epic Games and high-value EMIs.

  7. **SBI Aurum** – LTF via IIM Student offer | Primarily used for the ₹500 movie ticket discount and lounge access; also covers SBI-specific offers on Flipkart/Amazon. Reward points are redeemable for gift cards, though the conversion rate is underwhelming.

  8. **IDFC First Wealth** – LTF | Recently acquired; yet to define a clear use case.

  9. **Yes Bank Kiwi** – LTF | My primary UPI-linked credit card and most-used card last calendar year — ₹9,000+ in cashback on ₹2L+ in spending, along with 3 lounge visits utilised.

  10. **Bank of Baroda Easy** – LTF (bundled with a car loan) | Effectively inactive; no regular usage.

---

Portfolio Summary

- Total available credit: ₹42 lakhs

- Payment tracking: CRED (used for tracking and all bill payments)

- Official travel: Covered by company-issued Amex card | also all spends abroad onsite

- Main expenses : Rent ; Food ; To & Fro between Bangalore and Assam 4-5 times a year

---

What I'm Looking For

I'll be candid — I need to exercise more financial discipline. Holding cards across ten different issuers creates a low-friction spending environment, which has occasionally led to unnecessary expenditure.

I'd appreciate advice on:

- Optimising my existing collection — which cards to retain or close

- Plugging any meaningful gaps in rewards, travel, or lifestyle benefits or better way to use the points already accumulated

- Any cards worth considering -that would offer a genuine upgrade over what I currently hold

Thanks in advance.

u/Believer_016 — 9 days ago