Recently got the IDFC FIRST Millennia credit card.
I need to spend ₹5,000 within 30 days to get the ₹500 welcome voucher.
Does buying a ₹5,000 Amazon Pay gift card directly from Amazon using the Millennia card count towards this ₹5,000 spend?
Has anyone tried this and received the welcome benefit?
I’m considering the PhonePe SBI Card SELECT BLACK and wanted to clarify two things:
If I **buy an Amazon Pay gift card directly from Amazon using the SELECT BLACK**, will I get the **5% online-spend reward** (up to the 1,000 RP monthly cap)?
What is the best way to **maximize rewards on this card**? For travel, should I book **through the PhonePe app**, where train bookings open ConfirmTkt and bus bookings open AbhiBus inside the PhonePe in-app browser, so that they qualify for the **10% PhonePe travel category**? Or would booking directly on ConfirmTkt/AbhiBus give the same reward?
Looking for experiences from anyone who has actually used the card for these transactions.
If I buy an Amazon Pay gift card directly from Amazon using the SELECT BLACK, will I get the 5% online-spend reward (up to the 1,000 RP monthly cap)?
What is the best way to maximize rewards on this card? For travel, should I book through the PhonePe app, where train bookings open ConfirmTkt and bus bookings open AbhiBus inside the PhonePe in-app browser, so that they qualify for the 10% PhonePe travel category? Or would booking directly on ConfirmTkt/AbhiBus give the same reward?
Looking for experiences from anyone who has actually used the card for these transactions.
Hi everyone,
I’m completely new to SAP and recently started the SAP BTP LCNC 2601 certification path.
I’m finding LCNC a bit difficult to fully understand because I don’t have a strong understanding of the SAP fundamentals and how everything fits together yet.
I don’t want just a certification-focused approach. I want to learn SAP technical/BTP properly from scratch and eventually reach a professional level.
For someone starting from zero, what fundamentals should I learn first, and what should I eventually know to become strong in SAP BTP?
Would really appreciate advice from experienced SAP developers/consultants on what I should learn and understand along the way.
Hi everyone,
I’m 21 years old and planning to invest ₹50,000 per month. My investment horizon is 10+ years, and I would consider my risk appetite aggressive.
Here’s my current allocation:
| Investment | Monthly |
|---|---|
| ABSL Liquid Fund | ₹10,000 |
| Baroda BNP Paribas Mid Cap – Regular | ₹10,000 |
| TrustMF Mid Cap | ₹10,000 |
| Bank of India Small Cap | ₹5,000 |
| HDFC Flexi Cap | ₹7,000 |
| Gold ETF | ₹3,000 |
| Stocks | ₹5,000 |
| Total | ₹50,000 |
I’m mainly looking for long-term wealth creation and don’t need this money in the near term.
I’d like suggestions on whether this overall allocation is good or bad, and whether I should make any changes or simplify the portfolio.
Also, the Baroda BNP Paribas Mid Cap is a Regular plan because my uncle manages/invests through that route.
Would appreciate suggestions from people with experience in long-term investing. What would you change if you were in my position?
I’m considering HDFC ERGO Optima Secure with a ₹20 lakh base cover and I’m confused about the Plus Benefit.
As I understand it:
Year Base Plus Benefit Secure Benefit Max Single Claim
Year 1 ₹20L ₹0 ₹20L ₹40L
Year 2 ₹20L ₹10L ₹20L ₹50L
Year 3 ₹20L ₹20L ₹20L ₹60L
Year 4* ₹20L ₹10L? ₹20L ₹50L?
My question is: If I use the full ₹20L Plus Benefit in Year 3, what happens in Year 4?
Does the Plus Benefit become ₹10L because another 50% is added at renewal, or does it become ₹20L again?
Also, if I use only part of the Plus Benefit, does the remaining amount carry forward and another 50% get added at renewal?
Would appreciate clarification from someone who has actually claimed under Optima Secure or understands the policy wording.
Hi everyone,
I bought a Care Supreme individual policy for my mother with a ₹10 lakh base SI. She has pre-existing diabetes and hypertension.
The policy currently has the Instant Cover add-on, which reduces the PED waiting period to 30 days for accepted conditions.
I have two main doubts:
I understand Instant Cover is an add-on and is charged separately. If I pay for it in the 1st year, but decide not to take/pay for it from the 2nd renewal onwards, what happens?
Specifically, what would happen in Year 3 regarding my mother's diabetes/hypertension coverage?
Would the normal PED waiting period apply again, or does the waiting-period benefit already earned from the first year continue?
My policy certificate mentions:
Base SI = ₹10 lakh
Cumulative Bonus = 50% of SI per year, maximum 100%
PED waiting period = 36 months
Continuity benefit approved for ₹5 lakh, with PED waiting period reduced to 2 years for coverage up to ₹5 lakh
So, assuming no claims, would my coverage theoretically become:
Year 1: ₹10L
Year 2: ₹15L (₹10L + ₹5L CB)
Year 3: ₹20L (₹10L + ₹10L CB)
But here's where I'm confused.
If I stop taking Instant Cover after Year 1, then in Year 3, for my mother's diabetes/hypertension-related hospitalization, how much can actually be claimed?
Is it:
₹5L only, because the continuity/PED benefit is only for ₹5L?
₹10L, because the original base SI has completed the relevant waiting period?
₹20L, including the accumulated Cumulative Bonus?
Or does the CB itself also have a separate PED waiting period, meaning it cannot be used for a PED claim immediately?
Also, what exactly does the “1-year carry-forward”/continuity benefit mean in this context? Does the ₹5L PED coverage effectively carry forward once the first year is completed, even if I stop paying for Instant Cover?
I'm trying to understand the maximum claim amount available in each of the first 3 years specifically for a PED claim, assuming no claims are made.
Would appreciate someone familiar with Care Supreme's actual policy wording explaining this.
I bought an electric kettle from Amazon and had an issue with the original item. Amazon approved a replacement, and I was supposed to receive the replacement package.
However, the replacement was never delivered to me, but Amazon’s system marked it as delivered.
I contacted customer support multiple times. After checking, the support agent told me that this was apparently due to a scanning issue and that the replacement had already been processed in their system.
Now, instead of sending me the replacement I was originally approved for, they are telling me that the only option available is to return the original item and get a refund.
The problem is that I don't want a refund — I want the replacement that Amazon already promised me. I also don't have a convenient courier/return service near me, which makes the self-return option even more problematic.
What feels wrong is that the replacement was apparently marked as delivered even though I never received it, and now the system says another replacement cannot be created because the previous replacement was already processed.
I repeatedly asked them to escalate the matter to the grievance team, but the support agents said they don't have an option to transfer/escalate it and couldn't provide me with a grievance contact number.
Is this actually how Amazon handles a replacement that was marked delivered due to their own scanning/system issue? Do I have any right to insist that the replacement be fulfilled rather than being forced into a return/refund?
I'm looking for honest feedback on my planned ₹50,000/month investment allocation.
Total: ₹50k/month
Risk Appetite: Moderate as per the Nippon India risk assessment.
Goal: Long-term wealth creation.
Horizon: Minimum 10 years.
Platform: Groww for mutual funds.
Why these investments:
I have considered factor funds (Momentum/Value/Quality) and sectoral funds but don't want to use them.
Looking for honest feedback: Is 40% in mid-caps too high? Is this overall allocation sensible for a 10+ year horizon? What would you change?
I'm looking for honest feedback on my planned ₹50,000/month investment allocation.
Total: ₹50k/month
Risk Appetite: Moderate as per the Nippon India risk assessment.
Goal: Long-term wealth creation.
Horizon: Minimum 10 years.
Platform: Groww for mutual funds.
Why these investments:
I have considered factor funds (Momentum/Value/Quality) and sectoral funds but don't want to use them.
Looking for honest feedback: Is 40% in mid-caps too high? Is this overall allocation sensible for a 10+ year horizon? What would you change?
I bought an amazon gift card from paytm using my Slice credit card.
Paytm didn't show any extra charge during checkout, but Slice later charged ₹11.80 as a “Wallet surcharge.”
Slice support says gift-card purchases can be classified as wallet loading based on the MCC, even though I didn't actually load a wallet.
Has anyone else faced this with Slice + Paytm gift cards? Can this surcharge be disputed, and is there any way to know the MCC/category before making the payment?
According to TRAI rules, I understand that a prepaid mobile number may be kept active without an active recharge plan by maintaining sufficient balance, with a small amount being deducted periodically.
For Jio, I’m seeing these Top-up Vouchers of ₹10, ₹20, ₹50 and ₹1000, all showing “Validity: Unlimited.”
My question is: Do these Jio Top-up Vouchers qualify for the TRAI provision for keeping a number active through balance deduction?
If anyone has actually tried this with Jio, please let me know:
Did your number remain active after your regular plan expired?
Was ₹20 deducted from your balance periodically?
What minimum balance did you need to maintain?
I’m specifically looking for someone who has actually tested this with Jio.
I’m seeing these MediBuddy health checkup offers on SBI Rewardz:
Advance Health Checkup: 85 parameters — ₹1,299 shown, but payable ₹10
360-Degree Health Check-up: 81 parameters — ₹1,899 shown, but payable ₹10
Valid till 31/03/2027
Has anyone actually purchased these through SBI Rewardz?
If I pay ₹10, will I really get the complete health-checkup package mentioned (85/81 parameters), or are there any additional charges/conditions later?
Would appreciate it if someone who has already used this offer could confirm.
I’m seeing these MediBuddy health checkup offers on SBI Rewardz:
Advance Health Checkup: 85 parameters — ₹1,299 shown, but payable ₹10
360-Degree Health Check-up: 81 parameters — ₹1,899 shown, but payable ₹10
Valid till 31/03/2027
Has anyone actually purchased these through SBI Rewardz?
If I pay ₹10, will I really get the complete health-checkup package mentioned (85/81 parameters), or are there any additional charges/conditions later?
Would appreciate it if someone who has already used this offer could confirm.
The singer is male and the song is slow/romantic. The MV has English subtitles. A woman dates several men one by one to see who's genuine. One man is caught cheating, another is exposed for wearing fake hair (a wig/toupee). The last man says something in the English subtitles like: "All those guys have fake hair. I have real hair. I'm the real one." She ends up choosing him because he's loyal. I watched it about two years ago and I'm pretty sure it had under 100 million views.
The singer is male and the song is slow/romantic. The MV has English subtitles. A woman dates several men one by one to see who's genuine. One man is caught cheating, another is exposed for wearing fake hair (a wig/toupee). The last man says something in the English subtitles like: "All those guys have fake hair. I have real hair. I'm the real one." She ends up choosing him because he's loyal. I watched it about two years ago and I'm pretty sure it had under 100 million views.
The singer is male and the song is slow/romantic. The MV has English subtitles. A woman dates several men one by one to see who's genuine. One man is caught cheating, another is exposed for wearing fake hair (a wig/toupee). The last man says something in the English subtitles like: "All those guys have fake hair. I have real hair. I'm the real one." She ends up choosing him because he's loyal. I watched it about two years ago and I'm pretty sure it had under 100 million views.
The singer is male and the song is slow/romantic. The MV has English subtitles. A woman dates several men one by one to see who's genuine. One man is caught cheating, another is exposed for wearing fake hair (a wig/toupee). The last man says something in the English subtitles like: "All those guys have fake hair. I have real hair. I'm the real one." She ends up choosing him because he's loyal. I watched it about two years ago and I'm pretty sure it had under 100 million views.
I was recently allocated to an ITIS project in TCS as a Prime Candidate and was informed that it's a support role.
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What surprised me is that I was allocated without any prior email, discussion, or call regarding the role or project. I was hoping for a development-oriented project, so I'm feeling a bit disappointed.
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For those who have been in a similar situation:
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- What kind of work can I expect in ITIS support?
- Is there good learning and career growth?
- Is it possible to get released from the project or request a different allocation at this stage?
- Has anyone successfully moved from ITIS support to a development role?
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I'd appreciate any advice or experiences. Thanks!