u/No_Vanilla_6191

**Age:** 29

**Height:** 5'9"

**CTC:** 84 LPA

**Location:** Bangalore

**Originally from:** NCR

**Community:** Baniya (if that matters)

Hey everyone,

Giving Reddit a shot because the usual matrimony route hasn't exactly worked out for me. 😅

I'm a Lead Engineer at one of the leading tech companies in India. Fairly ambitious about my career, but not someone who lives for work. Engineer by profession, finance geek by choice - usually the guy friends/family call for investment advice.

A few years ago, I also built a startup, raised a seed round and ran it for two years before shutting it down. Didn't work out, but definitely one of the best learning experiences I've had.

Outside work, I'm into long bike rides, cycling, gym, travelling, cooking, and occasionally doing absolutely nothing on a Sunday.

I've had relationships in the past that didn't work out, and over the last couple of years I've tried dating apps, matrimony, family connections and the arranged marriage setup. Met some genuinely great people, just never found that *"haan, this feels right"* connection.

That's probably what I'm looking for now - someone where the conversation comes naturally, and it doesn't feel like we're both filling out a matrimonial form. 😄

I'm pretty modern but traditional where it matters. Family values are important to me, while I also believe both people should have their own lives, goals and ambitions.

**What I'm looking for:** Someone smart, kind, fun to be around, with a good personality. Someone who's driven about something in life and has a growth mindset. Ideally earning 20 LPA+, but that's not really about the money. If you're building something of your own, pursuing a passion, etc., that's completely fine.

Basically, I want someone who wants to build a good life, but isn't so ambitious that we need to schedule a meeting to decide where to order dinner. 😂

Also, slightly sapiosexual - good conversations and an interesting mind definitely get bonus points.

Not looking to rush into marriage. I'd rather talk, meet, see if there's a vibe and take it from there.

If this sounds like something you'd be open to, feel free to DM.

And if nothing comes out of it, no worries. At least I tried Reddit before asking my parents to start forwarding biodatas again. 😂

Age: 29

Height: 5'9"

CTC: 84 LPA

Location: Bangalore

Originally from: NCR

Community: Baniya (if that matters)

Hey everyone,

Giving Reddit a shot because the usual matrimony route hasn't exactly worked out for me. 😅

I'm a Lead Engineer at one of the leading tech companies in India. Fairly ambitious about my career, but not someone who lives for work. Engineer by profession, finance geek by choice - usually the guy friends/family call for investment advice.

A few years ago, I also built a startup, raised a seed round and ran it for two years before shutting it down. Didn't work out, but definitely one of the best learning experiences I've had.

Outside work, I'm into long bike rides, cycling, gym, travelling, cooking, and occasionally doing absolutely nothing on a Sunday.

I've had relationships in the past that didn't work out, and over the last couple of years I've tried dating apps, matrimony, family connections and the arranged marriage setup. Met some genuinely great people, just never found that "haan, this feels right" connection.

That's probably what I'm looking for now - someone where the conversation comes naturally, and it doesn't feel like we're both filling out a matrimonial form. 😄

I'm pretty modern but traditional where it matters. Family values are important to me, while I also believe both people should have their own lives, goals and ambitions.

What I'm looking for: Someone smart, kind, fun to be around, with a good personality. Someone who's driven about something in life and has a growth mindset. Ideally earning 20 LPA+, but that's not really about the money. If you're building something of your own, pursuing a passion, etc., that's completely fine.

Basically, I want someone who wants to build a good life, but isn't so ambitious that we need to schedule a meeting to decide where to order dinner. 😂

Also, slightly sapiosexual - good conversations and an interesting mind definitely get bonus points.

Not looking to rush into marriage. I'd rather talk, meet, see if there's a vibe and take it from there.

If this sounds like something you'd be open to, feel free to DM.

And if nothing comes out of it, no worries. At least I tried Reddit before asking my parents to start forwarding biodatas again. 😂

Bought yesterday with the deal mentioned in the group

Two 10k GV at 9.5k each
2k GV from the cred deal of the day at 1920 (4% off)
4k GV from cred handpicked deals at 3850 (3.75%)
Had 4k GV from the company's RNR

So I would have given around 19000 + 1920 + 3875 = 24,795 from my pocket for the 2g gold.

Bought the GVs using Regalia Gold and SBI Elite - rewards points are additional, whatever that is.

https://preview.redd.it/5z87y6amj2jh1.png?width=1586&format=png&auto=webp&s=e6c7714012315c4d5a6bf0f5c4fb60d0af162abd

I have never purchased gold from Flipkart - is it safe and authentic? Although I have friends working at Flipkart as Engineers, with whom I can raise concerns anytime and get it refund/replaced but, I am still not able to trust it for Gold.

Bought two coins - one Kalyan Jewellers 24k 3g gold coin at 43015 on Ajio using a coupon code and an HDFC credit card.

Another coin of 1g 24k from GRT

Bought these with a Swiggy HDFC credit card; let's see if I get 5% cashback.

Also, do you get 10% on Instamart for purchasing Gold / Silver coins?

https://preview.redd.it/j3jrqsk8etgh1.png?width=1224&format=png&auto=webp&s=e194632660fc9d7908a999a3ced394df52a33fd9

https://preview.redd.it/4x6jnvedetgh1.png?width=1324&format=png&auto=webp&s=f23b6f88103c0995508aa205a93ef8b359c5b976

Hi everyone,

I'm a 29M software engineer based in Bangalore.

Over the last few years, I've accumulated quite a few credit cards because every bank promised "5% cashback", "10% rewards", "best for travel", etc. I thought I'd eventually build a setup where every expense goes on the right card.

These are the cards I currently have:

• HDFC Regalia Gold
• HDFC Swiggy
• Tata Neu Infinity
• HDFC RuPay
• SBI Cashback
• Flipkart Axis
• IDFC Millennia
• IDFC RuPay
• YES Select
• Niyo Global

I've also made a sheet to figure out which card should be used for which category, but I'm still pretty confused.

https://preview.redd.it/bhjcw7c68tdh1.png?width=2048&format=png&auto=webp&s=9141e5c6422d97d3214529e7060f7eec50b65cf2

(Attach image)

My annual credit card spends are around ₹30-35 lakhs, spread across:

• Flights & hotels
• Swiggy/Zomato
• Zepto/Blinkit
• Amazon
• Flipkart/Myntra
• Tata brands
• UPI
• Offline spends
• Jewellery (occasionally)
• Rent

The weird part is...

When I actually check my statements, reward points and cashback, I don't feel like I'm getting anywhere close to what these cards advertise.

Maybe I'm wrong, but I doubt I've even crossed ₹50k worth of rewards in a year, and honestly, I think even ₹50k is being optimistic.

That's roughly around 1-1.5% returns on ₹30-35L spends.

Then I come across posts here where people claim they're consistently getting 8%, 10%, even 15-17% overall returns, and I genuinely don't understand how.

So I'm wondering:

• Am I misunderstanding how reward rates actually work?
• Are the advertised cashback percentages mostly marketing, with caps/T&C making them almost impossible to achieve?
• Am I simply using the wrong card for the wrong category?
• Is there a better combination of cards that I should consider?

If someone has already optimised a similar spend profile, I'd really appreciate it if you could suggest which card you would use for each category (travel, food, Amazon, offline, UPI, etc.).

Would love to learn from people who've actually maximised rewards instead of just collecting cards like I apparently have. 😅

Thanks!