Bachat Xpert
@BachatXpert
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BachatXpert helps to increase your Bachat using credit cards, payment apps, websites, loyalty programs, personal finance advice etc.
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Last Seen Profiles
Pinned Tweet
Thread on benefits of Applying through
#AmexReferral
Versus Direct Application
The
#AmexTrifecta
in order of preference I recommend is
#AmexMRCC
,
#AmexGold
& Amex Plat
#Travel
.
Use my referral code to apply to avail the benefits:
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8
36
If you have 56K Edge Reward points (normal value Rs 11.2K at 20P) & Axis HNI Credit card like Magnus, u can travel a return trip Zurich (Economy) from India using below offer. Let’s see how.
One way New Delhi to Zurich needs 27.5K Avios for economy & 55K for business.
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6
83
Last week, I had an issue with Accor pts redemption..
So, I will explain what happened, how it was resolved & the learnings.
When I reached the Swissotel Beijing hotel, to my surprise I ws informed that my account was suspended for pts redemption
🤔How it happened -
Most…
Finally with everyone's help, I was able to resolve this suspension issue & make payment with All pts today morning.
Will write detailed post on why this happened & whats the solution
Special thanks to accor specialist
@aman6490
@JOTPREETSINGH
for suggesting the helpline…
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1
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83
New month ➡️New devaluation ➡️New shock
HDFC adds 3.25% fee on Amazon Pay vouchers
Additionally 2.5% fee on Amazon shopping vouchers
To rub salt on last month Magnus wounds, GST is additional
In few days, it will be better to do normal Amazon shopping & use some affiliate…
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#Amazon
is a great way to save money due to discounts & cashback.
All Cashback flows into
#AmazonPay
wallet
I hav earned Rs. 62K+ 💵 & these r few methods I used to accumulate CB
U cn like (❤️) & retweet (🔁) & add sum more tips 2 help twitter community
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New HDFC Card recd...😎
LTF Regalia upgraded to LTF DCB
Infinia to mila nahi, socha isi se kaam chala lete hain 😀
Anyways much better than the FYF Regalia Gold that was being offered this week 😎
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#SayNotoAxis
#AxisDilSeClosed
While I will submit all the docs today, in parallel I am closing as much relationship with the Axis Bank.
I have checked my spends & difficult to find all docs but still managed to find 90% of the docs & all are mine or my family (Surname se I hope…
7
8
54
Finally Gharwalon ko vishwas hua ki there is some benefit of credit cards beyond spending.
Dad's car got stuck & I suggested to use free Roadside assistance from IDFC First Credit Card.
Overall smooth service, except waiting time due to rains..
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3
50
Just got few more screenshots on the Infinia Reserve card although I maynot be eligible yet 😂😂😂😂
The rewards are expected to be same at 5 RPs on 150 spends & same earning & redemption.
*Some cappings on rent etc might be there on some category on final launch
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1
47
#Savings
on
#Bigbasket
using mixing multi-dip offers
1. Shopped thru
#TataNeu
- 5% Neucoins (Always)
2. Got offer on Tata Neu - 150 NeuCoins on 2K spends (Targetted)
3. Added another generic offer code - BBFEB150C (150
#cashback
(10%) - This works for all till 20th Feb)
Contd..
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6
47
Just saw that today I crossed 1000 followers.
When I started I had thought that will I have 100 followers even and will I use Twitter which I have never used for last 10-12 years since creating account.
But seeing this number, I feel overwhelmed...
#ccgeek
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2
46
Surprise!!! Surprise!!!
Everyday new surprise from Axis.
New Axis devaluation🤣🤣
#Axis
Gyftr hit this time💣
Still not sure on 5:4 on Magnus (Reserve 5:1 docs taken back)... Fingers crossed 🤞 Lets hope for the best
🏁But Pls note that 1Lac pts capping also was an important…
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4
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Another Addition...
Received LTF
#IDFC
First Wealth Visa Infinite Cred Card along with the Dreamfolks Card..
Applied few days back while writing this thread... Got immediate approval
Apply IDFC Card LTF ➡️
🧵on
#IDFC
#CreditCards
Pros
✅LTF
✅Easy to get➡️Helps credit score
✅Simple reward structure
✅RPs on wallet loads
✅Complimentary Railway lounge facility
✅Movie ticket discount
✅Free Road service
✅No pts expiry
Apply ➡️
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Used my 3 cards to avail different benefits at Mumbai airport today, making it a triple dip journey.
Having multiple cards can definitely help avail different benefits & u can avail the benefits by combining their benefits.
First of all, used Meet & Greet at airport service...
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For all Axis Magnus users, today is last day where u will get the 25K milestone Reward Points redeemable for 5:4 airmile ratio.
if not finished the July 1L milestone, will suggest to for it.
Next (&last milestone) will be at 5:2
This post is for Mango people 😃, not the…
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Just got my 3 Month
#Eazydiner
Prime membership renewed for Rs 2 ...
#Bachat
of Rs 693 😀
Offer code for ICICI users (Works on Credit/Debit/Netbanking) - ICICILYP
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My simple transfer strategy for my points.
- HDFC DCB➡️ Revenue / Vistara
- Axis Atlas ➡️Accor
- Amex ➡️ Marriott ➡️ All other Airlines (except direct partners of Amex)
Dont want to complicate my life 😎😎
My earnings & spending categories & plans maybe quite different than…
3
1
40
As they come, immediately they r moved😃😄
Moved all the new recd Axis pts of last 10-15 days to United today & made balance 0 again.
Have parked all points in
- Accor
- ITC
- Vistara
- And now United.
Where r u parking them ? Whats ur plan for Axis?
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Lot of people maybe knowing this but thought to share for people who are not aware
If u r taking
#Uber
and are an
#AmazonPrime
member, use
#AmazonPay
balance as payment method.
U get 5% cashback + the normal multiplier reward points on purchase of Amazon GVs
👇👇👇
This 5%…
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Multi Dipssss on Big basket for Tata Neu HDFC Card holders
Tata Neu - Add goods in cart for Rs 1667
1⃣Apply NEUCARDOCT23 for 10% instant discount
Net - Rs 1500
2⃣ 5% Neu coins on HDFC Tata Neu infinity card
75 Neu coins
3⃣Shopping on Tata Neu - Std 5% Neu coins
75…
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38
Finally visited new Bangalore lounge.
Used Axis Magnus Priority pass..
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Few were worried abt Accor pts validity of 365 days.
1 method for extending pts from
@AskEnvici
was surveys through Clubopinions but its not in India (U can use VPN ofcourse)
There is 1 more method for surveys from India.
can help.
Worried about transferring too much Accor Points since the validity is just 365 days? Worry Not! There are many options for you to ensure they don't go to waste!
You can either transfer it out to Airmiles or Extend it.
1:1 𝗔𝗰𝗰𝗼𝗿 𝗧𝗿𝗮𝗻𝘀𝗳𝗲𝗿 𝘁𝗼 𝗔𝗶𝗿𝗺𝗶𝗹𝗲𝘀…
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Axis Magnus devaluation has been brutal
They had superb product bt wid unsustainable reward rate
But bcoz of hype🥳 & 🟥 ink of P&L, they just decided to go fr quick devaluation
Frm being unsustainable reward rate, nw Magnus is on other end of spectrum of being unsustainable
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🧵on
#IDFC
#CreditCards
Pros
✅LTF
✅Easy to get➡️Helps credit score
✅Simple reward structure
✅RPs on wallet loads
✅Complimentary Railway lounge facility
✅Movie ticket discount
✅Free Road service
✅No pts expiry
Apply ➡️
5
9
35
After reading this post, I have cancelled my credit cards and for the current trip, suddenly switched to paying with UPI.
Suddenly my bank balance reduced by 4L.. 🤐🤐🤐🙄🙄
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@rajeshsawhney
Interest credit takes so much time
Other issues are always there.on portal
If u get stuck somewhere, its another hassle. Infact I left it there itself to self rectify later.
I donot know what rocket science they need to put to correct this EPF portal.
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34
Vouchers hi vouchers!!!!
Took Accor Plus on Monday and here are the vouchers.
Kuch jyada hi hain, even if I use few of them, value nikal aayegi.
Also, I will target gold since 9 nights easily will finish this month. 1 night will accumulate in the coming months.
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1
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Thread on
#Amex
Amex
#MRCC
My 1st Amex Card, always recommend
-4*1500 /month gives 1000 MR points
-14K more gives additional 1000 points (need to enroll )
2.4L annual spends can fetch u 28800 points
5.3% reward rate @
#Bigbasket
voucher redemption
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31
Next stop is Swissotel Dubai
Booking ws done wid 24K ALL pts through accor website
Balance amt ws paid through 6K pts at time of check-in
Total 30K ALL pts + ~Rs 1250 for 5 nights with breakfast & dinner included (took half board)
Hotel staff - 'Sir, u hav lot of pts' 😀🤣
No issues faced..
All the bill was settled at Novotel Mumbai through points.
Redeemed 5K points and paid Rs 556 through cash for ~Rs9.5K bill..
Mail /SMS recd for code & just needed to share the same.
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@FI_InvestIndia
Not old school.
I have disabled majority of cards but for few cards which I regularly use, have kept a capping of some small amt..
Second, first thing I do is switch off International spends which is much more important than the TAP n Pay feature..
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Axis Last salaries coming in...
Seems like I'm on notice period 😂
and Last working day is 1st Sept 😂😂
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Waiting for AxisMagnus devaluation document
It will definitely be devalued but
Seems they might give some relaxation in dates considering their 120 days lead time
Who knows...
#Optimism
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This thread will give answers to all ur questions related to Amex Gold
If I already have a MRCC / Plat travel or both, does Amex Gold still make sense for me ❓
Why take Amex Gold when there is a fee with a referral vs the other 2 cards which are available First year Free ❓
A…
2
5
31
Another nice saving on
#Bigbasket
through multi-dip
#offers
- Had bought GVs earlier (already bought discount at 5%) and now redeemed on BB and got 200 Cashback..(10%)
- Since shopping through Tata Neu, got another 5% Neu coins..
#Bachat
Now, the difference this month is ....
3
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31
Axis bank coming up with new partners
Meanwhile, HDFC seems VERY HAPPY sending these offers😂😂😂
10
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Big shoutout to the visa expert-
@IManthanJoshi
Got the Schengen visa approved from NL embassy this week. Took around 11 working days for the visa application to be approved.
Although this is my 3rd visit, for others in family its their first travel.
Although I was fully aware…
4
4
30
If u r looking to go out for eating with family or friends, these days r great days for u..
Reason - High discounts
- Eazydiner running Eat Out Festival
- Swiggy Dineout running GIRF (Great Indian Restaurant Festival)
- Zomato running Zomato Dining Carnival
2
1
30
Today, had one of the most pathetic experiences with Zomato..
Suggest never make a restaurant reservation with
@zomato
.. 1st time kia and realized its full waste.
Made a restaurant reservation by paying a pre-booking fee.. And when reached the restaurant, they denied entry…
7
6
29
8 ho gayi, next 2-3 days mein next Magnus milestone 25K pts aana chahiye...
Waiting for the last salary😂🤣🤣
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29
Today got the Magnus add-on credit card.
When I had applied in May, I was full of hope & made multiple branch visits.
Now, when i stopped follow-ups, Axis smiled ki
'Jaa beta yele Add-on, ab konsa milestone poora kar lega isse'😎
5
1
29
#AxisBank
#GrabDeals
is back with 5% cashback (Except Amz & Flipkart) on buying gift vouchers till 18th May.
Works well for Axis
#CreditCards
as well as
#debit
cards
Retweeting my old thread explaining the full details on how to maximize
#Bachat
#AxisBank
#GrabDeals
5%
#cashback
offer is back.
Offer period 22nd – 28th Dec
Even if u dont hav Axis
#CC
& have debit card, u can still avail the benefits.
Below post shows how u can mix this offer with
#TataNeu
to get ~15% overall benefits on
#Bigbasket
w/o coupon code.
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5
27
Accessed Delhi T3 arrival lounge with Hdfc diners black..First time used an arrival lounge...
Next flight is few hours away..
This lounge as expected is relatively empty (and smaller) compared to the other departure lounges.
Food served is also good with lot of options. U need…
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After this week's milestone ws credited for April, crossed 5L lifetime edge pts
Have an Axis relationship since 2018
I'll say that I made more points in last 8 months with Axis Magnus compared to the points earned over prev 5 years 🥳
But I must also say that I spent multiple…
3
1
28
HDFC Regalia's lounge list has gone down significantly.
Whichever lounge I go, I see 1-2 people in front of me with a hdfc regalia being informed that no HDFC regalia (only diners or infinia etc)
And next I go and use my Magnus🥳😀
I just heard from a friend that he was denied lounge access with HD-FC regalia credit card.
lounge access is nw allowed in HD-FC regalia gold.
I don’t think its true , but anyone has any input on this?
#ccgeek
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27
@eazydiner
@KapilChopra72
@sachinpabreja
Sir, need ur help to look into the repeating issue.
Today, again another restaurant declined to apply the discount in bill & its repeating issue.
I am sure, others are also facing this same issue (maybe not frequently)
The issue is that…
12
2
27
End of Magnus era..
Magnus ke 25K milestone ne sabko bahut trip karwayi (including my ongoing trip) & next year mein bhi aap sabko karwane wala hai..😄😃
All good things hav to come to an end, so today is the day...😌
Now, execute the plans made while transferring all the ERs
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Want to
#earn
more
#cashback
beyond
#creditcard
rewards & shopping website offers?
Using
#AmazonPay
balance/Amazon Pay ICICI /
#SBIcashback
/any other
#cc
but want more cashback?
Do not have any credit card but still want to do
#savings
?
Do u use GVs & want some more cashback?
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Blr doesnot have water...
I purchased some water using ur card...
@Axisbank
I will send the invoices soon from the kirana shop.
Dont block my card
#SayNotoAxis
#AxisDilSeClosed
Recently brought the Amul protein lassi crate using the globe card.
Excited about this new product, I offered this to my mother and father and the very next moment my phone's notification lit up.
I Have received a notice from the bank to provide them my lassi consumption…
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If u r doing 1 earning activity by having a meal (or drinks etc) & if u have Accor app, u can click Earn points and ask waiter for venue code and proceed to make the payment.
I recently visited Accor property and they had QR code + venue code mentioned at each dining table.…
@AskEnvici
Somehow that reply isn't visible on the edited version of the tweet 😅, anyways replying again,
Dining and Drinks where you can earn points even though are not the Hotel Guest are also considered for this extension
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Lot of people maybe knowing but some new cardholders maynot know.
@AxisBank
HNI Cards come with free
@eazydiner
prime membership.
U can use the same to do great savings on ur meal.
Click on & pay Rs 1 to authenticate the payment.
List of Axis cards…
@NIIWHSA
@TheGauravPawar
@BachatXpert
@AxisBank
@aruna_devi11
@KapilChopra72
Hey Ashwin, it is pretty eazy! Just click this link and authenticate by using a ₹1 transaction using your Magnus card.
Dear Bachat Xpert, you may want to share this link with your followers. 🎅
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Save money on flights on online (OTA) websites using
#cc
#discount
codes
Sometimes we hav to use online websites like
#Makemytrip
,
#cleartrip
etc. beyond airmiles RPs
Compiled
#CreditCards
/
#DC
disc
#coupon
codes can help with
#flight
#savings
#Travel
3
4
25
Waah, good news for salaried private sector employees..
Leave encashment on resignation or retirement upto rs 25 lac to be tax free
0
1
26
I hope the Axis doc turns out to be wrong but atleast the positive thing about this is that they r giving a month time.
After the newspaper article, I had thought devaluation is near and had transferred all the remaining points to Accor & Vistara fearing that they might not give…
8
1
26
Got the carton box from
#Amazon
delivery with an advertisement for
#insurance
.
Has anyone recd something like this ?
Btw, Nice way to monetize the carton space for advertisements & earn some revenue
If these trials r successful, be ready to receive ur e-com shipments with…
5
0
26
Surprised to see that
@AxisBank
blocked the account for someone who discontinued their
@airvistara
credit card...
Account owner can earn pts on own flights, pts validity 3 years hai
Many people have 2-3 cards linked to their Vistara accounts.. how card discontinuation means…
15
2
24
Surprisingly small queue at 080 BLR Lounge..
The spend criteria from banks leading to this smaller queue?
Has anyone seen queue reduction on other airports?
Or this is a 1 time aberration??
12
1
26
Checked into Pullman Delhi Aerocity..
Used the Accor Plus discount voucher..
Although I had booked 15 days in advance (instead of 30 days TnC), they had used the disc voucher for booking.
The hotel is nice and at an apt location for my upcoming early morning flight..
6
0
23
New Card Replacement - Axis Samsung Infinite
Just for the joining benefits... 😂😎
Decided to let go of my old favourite bfore Magnus Mania came in- Axis privilege card..
The old Axis gyftr 10X program coupled with doubling of value using multi brand vouchers give above 20% returns.
This yr, coz of Magnus mania, only used for Rs 5K spends under some offer &…
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0
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Finally got the fee reversed on SBI Cashback card.
They had declined fee cancellation earlier in Oct before the card anniversary but after reading
@2021Kashif
's post on the same topic, thought to again try.
Just called them and raised a request for fee reversal and to my…
7
0
25
Checked out of Mercure Ocean Pataya resort today...
The hotel was in nice location, very near to the beach..
Had booked base room and was upgraded to the ocean view room..😀😎
Also recd welcome goodies..
Had made redemption online, just paid less than 1K for remaining amt
5
1
25
Amex sent a list of restaurants for discounts for the holidays..
I tried the first one on the list Theobroma today for 20% discounts..
Worked seamlessly for the discounts.. need to ask the cashier for applying the discount on the bill under Amex offer before the bill is…
2
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25
View from the new room at Swissotel al murooj..
Got the upgrade from classic to deluxe room on request..
Currently still a silver member..
PS: ignore the background sound.. its by default coming & missed to mute.
3
1
25
If u want to
#doubledip
on ur
#Accor
stays & earn some miles, then link ALL account ↔️ Qatar airways
I linked these 2 accounts an year back & without single transfer or flight, have accumulated ~ 1000 Avios
Seems small but small additions make a big accumulation to redeem
2
3
25
Axis Magnus Last 25K Salary credited with reduced home takeaway 😂😂😂
With this Total Edge Pts earned cross 7Lacs.
The next 1L milestone will take more time than the last 6-7L collection..
Magnus jaisa card na aaya tha aur shayad na hi aayega😂
0
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25
SC Ultimate joins the 1% Rent transaction bandwagon 😂
Any card still remaining for rent... DM pe batana nahi to woh bhi band ho jayega😂☹🙁
5
0
24
Axis Blocking Atlas for travel is like:
- Eazydiner blocking card for dining spends (Too much party for friends 🥘!!!)
- Amazon ICICI blocking card for Amazon sales spends (Too much festive shopping 🛒)
- HDFC Swiggy being blocked for too much Swiggy ordering ( food delivery 🚴…
5
1
24
New card launched -
#HDFC
#RegaliaGold
Rewards - Same as Regalia (4RP/Rs150)
- Milestones
- Qtrly - Spend 1.5 Lac to get Rs 1500 GV of Marriott/ Myntra/ Marks & Spencer/ Reliance Digital.
- Annual Milestone 1-Spend 5 Lacs to get ₹ 5,000 flight voucher
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23
In all this Axis circus of uploading the new docs & then removing it, I gained 3000 Edge Points.😃😃🥳
For Axis Privilege cc new docs, Axis was removing 3000 pts on achieving Rs 2.5Lac spends in anniversary yr which made me realise that they didnt credit 3K for last yr..🤣…
3
0
24
If anyone travelling to Singapore, it seems a steal deal from Marriott vacation.
Seems need to attend 2 hr presentation for
$349 SGD for 3D/2N Westin Singapore.
Not really familiar with this.
Is there some catch in this offer?
Anyone who has used these kind of offers can…
8
1
24
Have been using Regalia (earlier Reg First) since last 5 years.. Had a limit increase a month ago (8 Lac +) & thought to ask HDFC about infinia.
But as expected, rejection came. but the min. salary reqd completely surprised me.🧐
9
0
24
Vistara and Accor were back this week as Axis partners.
Successfully transferred ~50K points each (5:4) ratio to Vistara and Accor.
Before anyone says, I already have redemptions done and have plans..
Second, its better to maintain safety stock if using some programs…
5
0
24
Check-in at Swissotel grand shanghai today
First since gold status upgrade..
Few benefits recd today..
- room upgrade
- early check-in
- welcome drink
- they have also added complementary breakfast ( I had booked room w/o b/f due to high difference & thought will add in hotel)…
1
0
24
The first thing I did after coming back from work is
Blasted off the
#Axis
customer service and told him I am closing all my salary account and existing relationship with the bank.
And his reply is that dont send any documents, we are facing a deluge of calls due to some…
5
0
22
Regalia First -> Regalia -> Regalia Gold
HDFC isi Regalia ke line extension karke ghumata rahega but Infinia nahi dega 😂🤣😂🤣
We have written about "Infinia reserve" a year back, but currently, there is no chit-chat about the card.
The upcoming card is Regalia Gold.
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Just to clear any doubts, this membership was taken by burning 4000 ALL points under ongoing promotion valid till 31st August for Accor traveller.
U do get the regional vouchers for the region!!!
I entered bangalore address & got the South west regional vouchers.
Vouchers hi vouchers!!!!
Took Accor Plus on Monday and here are the vouchers.
Kuch jyada hi hain, even if I use few of them, value nikal aayegi.
Also, I will target gold since 9 nights easily will finish this month. 1 night will accumulate in the coming months.
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9
3
23
Redeemed another
#cashback
of ~Rs 11K from Cashkaro today frm my shopping.
U cn redeem direct CB into ur account thrugh
#UPI
/ Bank or Amz Pay balance.
Use my ref link to join-
Detailed thread explaining steps to redeem, earn & y to use Cashkaro…
2
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23
We can do double dip with Tata Neu cards on Non-Tata / Tata Neu brands as well..😀
Used Tata Neu card to get a 16% additional discount benefit..
If looking for a Rupay card or Tata Neu card,
Use my referral code KOMA76 or to apply…
4
1
23
Redeemed the complimentart Premier economy ticket recd from Axis Vistara signature credit card as part of spend based milestone.
They also serve starbucks ☕️ in prem economy 😃
By virtue of silver membership, all other benefits had already experienced.
5
0
23
As an update to the issue -
@sachinpabreja
sir asked to DM my no
Got a call in the morning from
@Eazydiner
team that they have investigated the issue & informed refund hs been initiated for the same.
Refunding is one part but I'm sure I will face similar issue in future if no…
@eazydiner
@KapilChopra72
@sachinpabreja
Sir, need ur help to look into the repeating issue.
Today, again another restaurant declined to apply the discount in bill & its repeating issue.
I am sure, others are also facing this same issue (maybe not frequently)
The issue is that…
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Swiggy GVs can come handy for ur
#bachat
especially wid their GVs at 5X available on Gyftr Platforms
These vouchers r available at
- Axis gyftr at 2.5-5% discount
- HDFC gyftr at 3.5% + card specific multipliers
Incase u r not having Axis or even no credit cards, even then....
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Finally some good news from Axis bank.
Trying to replicate HDFC Billpay.
First time registrations - 5% Cashback (Rs 25 per biller category for 3 bills.)
5% cashback upto Rs 40 for 3 bills per category (rs 120) using Auto-pay.
Total - 360 U can earn.
Details in screenshots.
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#Amazon
Pay Balance is versatile
- U can buy something on Amazon using this pay balance.
- U can link Amazon Pay with other apps like Swiggy/Uber/Ola
- While shopping on websites like firstcry etc where there is wallet option & Amazon pay is an option
- Pay Utility bills ranging…
@BachatXpert
What all can be done with azon pay balance if you do not have the bills of 6k value
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Hi
@eazydiner
team,
I am not sure about d cover charge concept but I think this shud be payable on the app as well.
Yesterday, had done reservation but was kept waitlisted as walk-in & on reaching the place, was informed that I need to prepay 1K/person as cover charge....
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Imagine after a long tiring day, u reach airport for a late evening flight thinking u need to sit for 3.5 hours for ur next flight & reach ur place after midnight🫤
And then the airline says that would u like to take earlier flight ⁉️
✅U ask for ur preferred seat and thats also…
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Axis Magnus Meet n greet saved me the horrible line at encalm lounge..
Best use of magnus nowdays..
PS- Magnus didnot help in entry, only helped in skipping the queue..😅
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People who will run after maintaining the Burgundy min amounts need to stop & think...
What was wrong with HDFC's FD for Infinia program then & why they were not taking that ??
Doesn't money get locked now with Axis ???/🤔🤔🤔🤔
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