u/Dangerous_Pension183

Which credit card is best for me?

Earlier I was collecting cards like Pokemon.

I have all 4 Shappiro variants (I watch movies alot): DEVALUED

HDFC Diners Privilege: USELESS REWARD POINTS

Amex Plat travel: DEVALUED

Axis Priority (Owned by wife): QUITE USELESS

ICICI Coral: IT'S JUST THERE

Swigg HDFC: FOR INSTAMART AND DINEOUT

ICICI Amazon Pay: MOST USEFUL CARD

Axis Flipkart: USEFUL SOMETIMES

Airtel Axis: 25% Cashback

All my family and my wife's family members use my Credit Card if they find a deal on shopping and flights.

Overall my CC expenses are more than 10L a year, mostly goes in flight ticket bookings and Airbnb bookings and online shopping. Then I have an expense of around 1.5L yearly on insurances.

My CTC: 40LPA. (2.25 LPM In hand)

Which credit card should I opt for?

reddit.com
u/Dangerous_Pension183 — 6 days ago

How do I invest 20L I received recently as a gift from my father? I'm looking for a long term investment.

M30 and Wife 29, no kids, don't want either. Zero inheritance, zero liability.

Net yearly income 50L. Both SWE.

Expenses (Monthly):

Rent: 43k

Maid: 4k

Food: 25k

Poket money: 10k each

Bills: 4k

Expenses (Yearly):

Vacation: 4L

Parents and misc: 2L

Health insurance (self + parents): 62k

Term insurance (I + wife): 68k

Assets

PF 20,44,954
NPS 11,72,501
Mutual Fund 24,88,348
Gold (Bars) 22,19,200
Silver (Bars) 3,36,862
Cash 4,71,552
Stocks 6,85,261
Crypto 16,300
Others (Lend) 4,60,000
Grand Total 98,94,978
reddit.com
u/Dangerous_Pension183 — 19 days ago

How do I invest 20L I received recently as a gift from my father? I'm looking for a long term investment.

M30 and Wife 29, no kids, don't want either. Zero inheritance, zero liability.

Net yearly income 50L. Both SWE.

**Expenses (Monthly):**

Rent: 43k

Maid: 4k

Food: 25k

Poket money: 10k each

Bills: 4k

**Expenses (Yearly):**

Vacation: 4L

Parents and misc: 2L

Health insurance (self + parents): 62k

Term insurance (I + wife): 68k

**Assets (92L):**

Retirement (PF + NPS): ₹32.85L

Indian Equity (MF + Stocks): ₹23.23L

Gold (Coins): ₹20.90L

Liquid: ₹5.50L

ESOPs/RSU: ₹4.72L

Silver (1kg bar): ₹2.66L

Others: ₹3L

**Mutual Fund Breakdown:**

Index: ₹10.23L

Large Cap (MF): ₹4.69L

Mid Cap (MF): ₹4.04L

Flexi Cap: ₹1.83L

**Stocks Breakdown:**

Large Cap (BEL, Coal India): ₹1.55L

Mid Cap (Hindcopper): ₹90k

reddit.com
u/Dangerous_Pension183 — 20 days ago