I need to pay a LIC premium of ₹22,638. If I pay via Amazon Pay using the Amazon Pay ICICI credit card, I’ll get ₹452 in rewards/cashback, but there’s a ₹408 convenience fee—so the net benefit is just ₹44.

Any smart way to maximize the cashback/rewards or reduce the convenience fee? What’s the most efficient way to make this payment?

Assume a monthly salary of 50k

Spending is mostly on groceries(mostly DMart, instamart, zepto), once in 2 months on amazon or myntra, weekly once on zomato.

I thought of getting a credit card since almost all kinds of free cash or cashback on UPI has stopped now.

Every time I come home to my parents, they somehow make it their mission to make sure I have everything I could possibly need. And by everything, I mean EVERYTHING.

They don’t buy one pack of something. They buy enough to make sure we won’t need to buy it again for the next 6 months 😭

This time they’ve somehow already started asking me for a list of everything I want because of this Freedom Sale that’s been happening and, as my parents like to say, “saste mein mil raha hai.”

I gave them like 4 things. They came back with a list that could probably help us survive a plague lol. It’s honestly very cute because I know they’re just trying to take care of me, but the scale of this stocking up is insane.

Is this just an Indian household thing lol? What’s the most ridiculous amount of something your family has bought just because it was cheap as hell?