And International locations are a much better value for money and experience for similar price point. Thailand, SL etc is any day better than Goa.

Axis also levies 1% charges for rent payment. So red giraffe and axis charges a total of 4.5% (incl GST)...not a great deal. Only exception would be AEP months.

Greenwich walk

Only the credit balance is refunded. Cancel > Refund won't work.

City mileage is under 10. On highways it's sub 15.

Compact SUV plus Skoda.

In my case too, it started at 2%. I negotiated it down to 1.25%.

Bangalore

Body needs to recover.

Great. I was doing 5 days a week, hired a trainer three weeks back and he brought that down to - 45 mins sessions 3 times a week. Will have to find another trainer after this month.

Haha..

How many times a week?

If i recall correctly, last bonus was on Plat charge, that too 10%. Amex has pretty much killed plat travel, so now we have very limited means of earning MR and by extension MB.

Fair, but my everyday spends will go on HSBC Premier once it lands. I'd rather keep the stack lean and points-focused than add a UPI card.

Good add. No hypothecation means no bank NOC at resale and no extra paperwork. Underrated benefit of the personal loan route.

Fair point. Car loans carry a processing fee too, so the real extra cost is the difference between the two, and that's usually small. Still worth considering.

Most dealers will take a card if you ask their accounts team. They usually add 1–2% to cover the MDR, so negotiate that bit. Mine came down from 2% to 1.25%.

Merchant Category code. It is used by cc companies to award (or deny) reward points.

It did leave for a while, but it's back now, just at a worse ratio.

Yes. I paid the entire amount using card.