Ameya
@ameya4mPune
Followers
3,479
Following
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Media
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Statuses
6,345
Loves cars | Likes Credit Card | Lives for Food & Travelling. Views are mine, not of my employer. Retweets are not endorsement, DYOR.
Pune, India
Joined July 2014
Don't wanna be here?
Send us removal request.
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I am awestruck by the Hyderabad Airport expansion! It is giving feels of Bangkok and Singapore! And all this is domestic 😱.
Also, the soon-to-be inaugurated Encalm lounge is huge! So much space has been created showing Hyderabad's growth ambitions 🙏
Some pics
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I have 20+ credit cards and this is how I manage keeping track.
TL,DR: I use excel & an expense manager to record my expense as it happens
In this thread, I will share the excel formulas for each type of card I have, so you can just copy paste the formula and build your excel.
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Forgot to pay the credit card bill in time and only few days left?! 😥
Worry not as there are few cards which directly accept UPI payment.
I will try to cover in this thread all the cases and if I miss something, you can share and I can add in 🧵 thread 👇
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@ZacksJerryRig
The police proceeded to give Zack's car some scratches at level 6 and deeper grooves at level 7
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Oh boy! It is the big daddy of reminders (financial year end)!
1: Complete your personal NPS txn of 50k!
2: Finish your investment or insurance plan if falling short of 1.5L in 80C (trust your advisor or judgement).
3: Complete your HDFC SmartBuy transactions now
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NPS gone.
Amazon bank affiliate links gone.
Amazon Pay unlimited bill payment gone.
And now ICICI introduced surcharge on Rent!
Looks like 2022 was pandemic for credit cards.
PS: I find it hilarious that ICICI introduced this charge. Like bro, your cards aren't even attractive
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CheQ seems like a joke.
One of my close friends asked for a referral link and when he went to sign-up, they asked to refer 2 more people for him to be able to sign-up.
If someone hasn't used their product, how wise would it be to refer others!
MLM type behaviour.
1% back on every payment, every time!
Mark your calendars - CheQ arrives tomorrow, Feb 14, on Android & iOS. 😊
#1DayToGo
#AsliRewards
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I tested out Tata Neu Infinity (TNI) card extensively on BHIM UPI.
I did all types of transactions, like UPI on IRCTC, UPI on Fuel bunks, UPI even on Tata online brands.
Here is what is that you can expect in terms of reward points when doing similar transactions👇
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Many of us here receive queries about which credit cards to get.
Frankly, we are also common people like you who just happen to have the lens to evaluate the aspects a little bit better.
Let me share my POV and evaluation criteria on whether I should get a card or not.
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If some of you have followed me & read my bio know I am a vegetarian & I recently came back from Vietnam....
And the age old question: how easy is the life of a veg guy/gal in Vietnam?
It is much easier now than it was when I visited 6 years ago!
Plot twist: it was always easy!
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So, my family just returned from a short trip in Singapore.
TL,DR: Revenue economy tickets from India to SIN, Revenue booking of Hotel in SIN, but the icing on the cake is Reward booking of Business Class from SIN to India at a steal deal.
A short thread with details
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Next thread by Sharan will be:
Here's why I won't have kids.
I live in the city of dreams, Mumbai💫
My flat costs ₹7 Crores but I pay just ₹1.5 Lakhs in rent
Buying it on EMI would've costed me ₹5 Lakhs p.m. even after paying ₹1.4 Crores in down payment🤯
Here's why I won't buy a house🧵👇
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@sjlazars
@Colaba007Boy
@27saurabhsinha
@ari_maj
@PoulomiMSaha
@jagritichandra
@kaurlavpreet_
@sinjain
@aneeshp
@madeehamedia
@khabri_lal
@VishalBhargava5
If they are paying market rent, then they can find other accomodation as well, right. Not like GoI would gave them at dirt cheap rents and now that perk is being taken away.
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Sometimes, Axis just flexes their systems and sometimes makes you cry!
Received this accurate reminder of how much I need to spend to get fee waiver.
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Month-end Reminder:
Complete your Amex, Axis, HDFC spends for the month. Exhaust that monthly Amazon GV quota of Bank Gyftrs.
For the next 2 months, will feature NPS Tier 1 reminder too.
Insurance offers are till FY end, so not to worry if you have a premium coming up.
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Earlier at the start of the month, it used to be all the rage to check if HDFC had added any partners, made any devaluations or brought in any offers.
I barely see anything of that sort on Twitter any more 🙂.
Such is the fall of the Titan.
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SBI Cashback card devaluation from 1st May 2023.
Utilities, Insurance, Jewelry, School fees etc to be excluded from the cashback.
That was super quick!!
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While we are discussing tax terrorism, can someone please ask the FM to check why the HRA Deduction is subject to convoluted rules and not the entire amount paid as rent?
Oh wait, I think I know the answer: because we (people who pay taxes) are minority & not vote banks.
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Anyone awake, resist the temptation to use HDFC or Axis or Amex for new month milestone. 😁😈
Start tomorrow morning post 6.
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Let me share a "hack" with you guys.
This is for People who have
1️⃣ Citibank cards (not Prestige)
2️⃣ Having a limit of 3L or above
3️⃣ Have a ton of points sitting in your card.
4️⃣ Are interested in Airmiles game.
So, you can upgrade your Citi card to Prestige.
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Not all credit cards are launched for the highly value focused individuals.
HDFC Marriott is one of them
One needs to make peace with the fact that there are other customers who will be more than happy to get on the Marriott bandwagon for a reasonable fee and adequate rewards.
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Jan 2018: Zomato Gold launched.
Aug 2020: Zomato Pro launched.
Aug 2021: Zomato Pro Plus launched.
Feb 2023: Zomato Gold getting launched again.
Can you guess the name of the next update to this membership program after 2.5 years?
(assuming the company would be around by then)
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What about business spends being done on personal cards?
Travel agents booking hotels or flights for unknown individuals from their loyalty program accounts should be banned immediately. Those agents are like termites.
Related article:
The Real Culprit Behind the Recent Devaluation of Travel-Focused Credit Cards
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Should've launched a folding credit card.
Samsung Axis Bank credit cards are here.
10% cashback on Samsung purchases at any time of the year. For now, don't see anything else that is exciting on this card.
Infinite Variant:
Signature Variant:
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Received this from
@dealztrendz
.
HDFC going the SBI way.
Instant discount or Credit Card reward points.
This is for S23 purchases as of now. But this is a losing battle.
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Sir, should've tagged me so that people can unfollow if I was giving wrong/incorrect information.
And I don't have any personal enmity or even friendship with you.
Lastly, if information may be wrong, I will apologize.
Atleast I didn't refer Cheq to anyone.
Now look at the people, whom you would trust to give accurate information, take you on a ride just for their personal hate towards one person.
1. Roshan himself
2. Credofly
3. EnViCi
4. Ameya
5. Aman (how can the employee of hotel chain itself get it wrong and retweet it)
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Unpopular opinion:
It is easier to do Magnus milestone than complete Amex MRCC and Gold milestones 😔.
Fly in the ointment being, one has to be mindful of transaction value, number of transactions, eligibility to earn points etc etc.
Magnus is simply point & shoot vs Amex's DSLR
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Everyone who isn't happy with HDFC Marriott card, please wait.
ICICI is also going to launch their version.
Then maybe, HDFC will appear as a better choice 😜😈
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Great thread as always!
My sequence would be
1) Recharge my DTH 4 times for ₹300 each and 1 time for ₹1000 using Tata UPI & complete 1 badge
2) That ₹1000 UPI will complete 1 badge
3) Grocery of ₹500 for 5 times
4) Pharma order for ₹1000 twice
5 badges completed, 2000 NC in!
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Waiting for Masterstroke explainers to explain why TCS was good yesterday and bad today.
I understand they are kept busy by announcing another Masterstroke of ₹2000 being withdrawn from public circulation.
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USPs of few credit cards:
Device Protection: few AU Bank cards
RSA service: few IDFC cards
Can just think of these 2!
Rest all have the same features of accidental insurance, lounge access, BMS BOGO etc.
Do you know any card or bank which offers truly unique features?
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Finally I received the Black card from Amex... playing card that is
💳 ❌
🃏 ☑️
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Breaking News: Pune Metro and New Pune Airport to be operational soon (1-2 months).
And no VIPs invited to inaugurate the same, directly dedicated to Public.
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If you have any Axis credit card bill payments due (and not urgent), then cheq out Cheq 😬.
Starting 13th March, Cheq is giving 1.5% Cheq Chips on Axis card bill payment.
Can't click on the banner so don't know any T&Cs.
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Diners Black METAL being offered FYF under Alumni program (Diners Institute Program).
The eligibility criteria is mentioned in the table as well as the credit limit that can be expected.
Check the link for more info.
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@Kenu73
Glad we are on the same page regarding this impostor.
And really amazing that these people have no shame.
As predicted by someone, he will be a politician soon because he fulfils the first criteria.
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And so it begins. Amex Festival offer is here. Enrolment is compulsory. Valid from 15th September to 15th November. Just don't make the mistake I did, that is if you are going to get any refund from any merchant into Amex, that will eat into the spend milestone set.
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"Lounge" take-away at Delhi T2.
If the lounge actually gets ₹300 per swipe from the card network, then this is an awesome business for T2 "lounge"!
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I think all banks have decided to engage all the CCGeeks and CC users every 15 days!
Amex engaged till 15th Dec (Bonvoy transfer).
Axis has engaged till 3rd Jan (Vistara card Govt milestone).
HDFC now keeping us occupied till 15th Jan to find the ideal transfer partner!
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Lovely and thoughtful gift from Tata Neu!
Don't know the criteria as so many people have received but really impressed by Tata Neu.
Even if there are some improvement opportunities, Tata Neu app is my go-to app for groceries, Tata Neu Infinity is my go-to card for UPI!
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@drewisdaman4
@ZacksJerryRig
A minor suggestion: you may make your lockscreen wallpaper as the phone and when you "Swipe Up to Open", you get this image!
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People who are supporting the 20% TCS may very well be advocates of taking a credit card by making a FD or maintaining a fat bank balance 😉
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Ok, I think Ax-is wants me to fall in love with them.
Axi-s card got approved (no, it is not the one which everyone is talking about).
A-xis card got delivered.
Asix card was added in app.
But A-x-i-s haven't billed me the fee yet 🤯
Parampara, pratishtha, anushasan kahan gayi?!!
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HDFC sharing their card's credit limit with credit bureaus is really helpful. ICICI matched credit limit with HDFC card. Validated by
@pointsminter
as well.
Do check yours!
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Did you get this welcome gift with Magnus?
Great merch as you won't be able to eat out after spending the monthly milestone, so need to carry your own snacks.
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Best use of Verified badges: Edit the details of the offers after bringing them.
Step by step guide: Reel customers by lucrative promises, then bring more lucrative offers and then when the bubble is bursting, withdraw all offers.
Sad reality of startups today.
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Travelling some place very close to my heart!
No great redemption story, just a simple vacation.
The hotel is a botique hotel suggested by
@rohitmundra1
and it is a cozy & comfortable place.
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IDFC DEBIT card cashback offer is here.
Get 1% back upto ₹2500 on spends from 10th Oct to 10th Nov.
Wallet loads are excluded.
For detailed exclusions, go through their T&C and then avail.
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Lately, I see so many posts where people are "preaching" about the evils of credit cards.
If you follow 3 simple rules, you may join the other side 😉.
Rule 1: Always keep your spending below your bank balance.
"If u buy things u don't need,u will have to sell things you need!"
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Finish your Tata Neu league TODAY!
HDFC, Amex and Axis transactions too for this month!
@asktarunn
@bhavyegoel
@CardMavenIn
@CenturionGuy1
@Skh27
@pramodlord
@rohitmundra1
@satishckp
@PointsDojo
@thetrickytrade
@ChargePlate_in
@Vgdktk
@aman6490
Apologies if I missed tagging you🙏🏻
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Guys, finish your monthly milestones.
🥇Last Axis Magnus monthly milestone which will be worth
🥈 Amex MRCC & Gold Charge (you won't get base points for fuel, govt spends etc)
🥉 HDFC SmartBuy monthly quota.
Tax bharna mat bhulna...😅
Magn us July 1L Milestone 🫢
Some pointers--
👉File FY22-23 ITR by 31.07.23 -->Pay balance tax, if any
👉Advance tax -->FY23-24 for extra income (if likely from other sources)
👉FY23-24-->NPS, if opted for Old Tax Regime
👉 Education Fees, if any
Note: Don't overspend. DYOR
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Not sure if someone covered this but OneCard has launched "Around you" feature.
You can save upto 20% in many stores.
But hurry, offer is till 15th December.
If you don't have OneCard Use my exclusive code AMEYA9 when you join or use my link
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Looks like someone from the Ministry got their Reserve application approved, hence this reversal 😅
Clarification regarding applicability of Tax Collection at Source to small Debit/Credit Transactions under LRS
Read more ➡️
(1/4)
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Guys, this is a thread on how you can increase the value of the Membership Rewards.
But please note, this is a gamble, so you can profit or face a loss, so please bear that in mind.
And yes, this is related to Marriott transfer, so if you aren't interested in that, look away!
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Air India to the Big 3 (EK, EY, QR) after placing its meaningful twin aisle aircraft order!
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India is on the cusp of miles revolution, thanks to Axis and Social Media Influencers / Experts.
Pros: Indians will look at credit card and the reward rate in new light.
Cons: Unavailability of award seats, devaluation of features is going to be a routine activity.
#CCGeek
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@dealztrendz
Twitter Timeline also playing joke on me!
Below: the bike useful for me.
Above: the bike I can afford!
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⭐I had a planned spend of ₹10L in Dec & Jan.
⭐Upgraded my Axis Privilege to Atlas in December and process was super fast and smooth.
⭐3rd Axis card.
⭐Wanted Plat Travel as back-up, hence applied. They rejected as I had 2 CC.
⭐Glad they rejected as MCC was hotel one 🤭😊
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Such a great value for money redemption
@kunalb11
with the charity option for
#CRED
rewards. Donated 10 meals to
@GiveIndia
and won't stop!
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Diners for Alumni is getting worhdrawn effective 27th Oct.
Mail screenshot from my Institute Alumni association.
If your college is in the list, try your luck before 27th Oct.
If you are upgrading from the DCB Plastic to Metal, you should be able to get it FYF. On the other hand the DCB Alumni offer is being withdrawn it seems.
My understanding is is just like the Infinia, new issuance of the DCB plastic will be halted entirely.
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AU Bank offering credit limit increase, but they seem to be drunk 🍷 with their decimals.
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@DrShiva88
@CardMavenIn
I am the Purchase executive for my family and other relatives.
Whenever anyone sees any offer on anything, they ring me up.
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Guess which card is going to be devalued from next month!
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While everyone is awaiting news from HD-FC Credit cards about deval, Payzapp has been significantly devalued. Billpay will now give you ₹30, recharges now give you ₹25 and landline bill will now give you ₹30. All this is 5% cashback. Only good thing is there is a DC offer.
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3 reminders for today (and tomorrow):
1) Pay Advance tax (if eligible)
2) Use OneCard Around You offers (must)
3) Transfer to Marriott (optional)
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MasterCard is back in business!
Which cards are you expecting to revert to MasterCard ditching their temporary Visa replacements?
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Citibank offering ₹4000 cashback on successful application of their credit card.
Apply Coupon Code CITI4000 in your application and spend ₹7500 within 60 days if card issuance to get ₹4000 cashback.
Valid till 30th April. CB will be credited within 120 days of card issuance.
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Citi to Axis migration from 1st March, but business as usual till 2nd half of 2024 (as per Citi).
By business as usual, it means all the aspects of earning points, branding, app usage, etc.
Physical branches, ATMs do get rebranded, though.
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Axis Atlas holders, last day to transfer to Turkish FFP and get 2X of transferred miles upto 20000 miles.
So transfer 10000 EdgeMiles to get 40000 Turkish Miles.
You get a mail from Axis too, so not to worry.
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The only remaining good thing about SBI card was the flexibility to transfer limits between credit cards.
Now that is also gone.
Some executives tell me it is due to a software maintenance activity, but I am sure it is not going to come back.
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Unnecessary headache for genuine tax payers who will have to keep 20% of their money with the Govt unnecessarily.
Govt should just take all the salary and give us an allowance to manage our lives.
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Tired of frequent reposts from specific handles?
Go to their profile and select the 3 dots on the right hand top corner.
Then click on Turn off reposts.
We all love referrals and ultimate guides, but the amount of reposts are very high.
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Who knows, ICICI may launch good cards now after HDCF, Asix, YesBeeEye!
12 months of amazing product lifecycle till it is devalued 😛
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Got Amex spend based offer for spending ₹3L to get ₹12k Taj GV.
Humse na ho payega. Bye bye Amex, see you after 10th November.
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Amex Insurance spend offer is here!
Till 31st March.
Earn 5 MR points per ₹100.
Max 10000 points.
Enrollment compulsory!!
If you don't have Amex, get it from my link below 👇🏻
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How do people keep 57L in bank accounts 🤯?!
Pune engineer loses Rs 57 lakh to ‘movie rating’ fraud, FIR lodged
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New card(s) idea: One MCC eligible per card, launch 1000 such individualized cards.
Will help skip the mental gymnastics that has become Axis card.
Credit cards which were supposed to aid in convenience are now becoming headaches.
Axis Bank announces a new set of MCCs that will not be eligible for cashback/rewards on its co-branded credit cards.
Even the popular but difficult to get Airtel Axis Bank credit card is hit. Govt. services, Insurance, Education
and Rent Payments will not get any cashback.
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Guys, don't wait till 31st for Axis transfers.
Also, start planning your HDFC SmartBuy, Aaxis GiftEdge, Amex txns for the month of August.
And do pay your card dues on time.
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Axis realized rent payment can be manufactured; insurance, not so easily.
Received message for Magnus and Atlas and both don't mention Insurance being excluded.
Hopefully, they don't reconsider their decision.
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Checked in Crowne Plaza Gurgaon today early morning and was upgraded to Suite.
Base Tier, but corporate booking and maybe the hotel is full due to some wedding.
Good breakfast buffet and good service.
Sometimes, it pays to check in last.
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Amex has increased the number of voucher options for 18k and 24k gold redemption!
Sadly, the options to redeem your points for Statement Credit of ₹9,000 and ₹6,000 for 24K and 18K Gold Collection respectively will be discontinued effective 3 May 2022.
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Couldn't take screenshot but now Axis is mentioning which month's milestone points they are crediting.
For me, it showed "Milestone Benefit For Magnus VISA Credit Card for FEB23".
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People travelling by booking revenue tickets on Vistara, here is a way to get approx 21% discount+cashback mix.
This is possible via Axis Grabdeals, so anyone not having Axis card (other than Flipkart Axis card), will not be eligible for that 21%.
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I don't get how people who clearly don't use miles and points for personal use have the audacity to crib on X how the banks and programs have taken away their points!
#King
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Thanks
@niharrikas
and
@rohitmundra1
for suggesting the coconut grove basket boat ride! Fun experience.
Dinner was at a lovely place in Da Nang called ANs vegetarian cuisine.
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Got something good from Acis Bank rather than the surprise they gave to so many 2 days back.
Swiggy One Membership for 3 months.
Yes, it piles on the existing membership.
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Not all scammers are from Jamtara!
Some are well spoken and sophisticated too.
This is Amex referral scam where people are giving GVs for approved applications.
Of course, the incentives given by many of us have called for this outcome.
Here is one of Scammer:
@Roman8455511045
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And of course, the pics of the new and yet-to-be inaugurated Encalm lounge!
Tough competition to 080 lounge which is a welcome move in terms of space.
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@ChinmayDhumal
@crswlll
What use is a Technology journalist who doesn't believe in using technology!
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Great people who live outside this great nation should refrain from giving crappy advice.
@jungleeBilla6
@nebula_world
If you have enough money to spend on overseas services, you shoukd be filling the taxes anyways.
If tax filling process is streasful and blood burning, this is another question to ask to government and accountants.
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End of month reminder (yes, it is Feb end so 28th).
Complete MRCC txns.
Complete OneCard spends for unlocking 5X.
Complete any spend based offers you received.
Purchase GVs from SmartBuy so that you use Feb quota
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Why could the Amex Platinum Card not take an International vacation?
Because it didn't have a Visa 😁
Why did the AMEX Platinum Card take a vacation?
Because it had too many rewards points to lounge around! 😂✈️💳
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Gosh, where do I begin!
Citi Prestige will give that Taj voucher even without spending (it is part of joining/annual fees).
Axis Atlas doesn't earn 12 "points" per ₹200.
If ITC Grand Goa is that cheap, everyone will redeem their points there.
We took a look at
#hotel
loyalty programs today. Sadly, they are not generous. It generally takes about Rs 8 lakh worth of spending on the hotel chain to get a free 2 night's stay. If you use a credit card and convert the points, the cost comes down to Rs 5-6 lakh. Story by
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I hope by now, everyone has noticed that Amazon is pulling out of affiliate programs all over India (SmartBuy, Amex Reward Multiplier, Grabdeals, Cashkaro, Intermiles, Payback etc etc).
That means, the only source of real value is ICICI Amazon Pay card....
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