Learning Credit card rewards since 2013 | Shopping Deals wid Passion for past 20 years | Non-metro guy | As an Amazon Associate I earn from qualifying purchases
🔗𝙈𝙮 𝘽𝙚𝙨𝙩 𝘾𝙤𝙣𝙩𝙚𝙣𝙩 - 𝘼 𝘾𝙪𝙧𝙖𝙩𝙞𝙤𝙣 🔗
𝑷𝒂𝒓𝒕 - 1
To simplify your user experience, I've compiled all my best tweets in this thread.
Like ♥️,Repost 🔁 for Max reach
𝑫𝒐𝒏'𝒕 𝒇𝒐𝒓𝒈𝒆𝒕 𝒕𝒐 𝐁𝐎𝐎𝐊𝐌𝐀𝐑𝐊 𝒕𝒉𝒊𝒔🧵𝒇𝒐𝒓 𝒇𝒖𝒕𝒖𝒓𝒆 𝒓𝒆𝒇𝒆𝒓𝒆𝒏𝒄𝒆
I explored Japan for 8 days in LESS THAN ₹1 lakh! 🇯🇵
Err... ₹96k ONLY 😍
Flights, hotels, sightseeing, local travel, food - ALL INCLUSIVE!
From Cherry blossom to blazing bullet trains, I did it all!
Unleash the backpacker in you.
Bookmark NOW & read on 👇
#Japan
#Travel
BEST time to get Credit Cards 💳
MISS THIS THREAD & YOU'LL FEEL LATER 😥
This week is the BEST time to get credit cards - But why?
These are the BEST cards to get - But why?
All these answers in this 🧵
🇯🇵DIY Japan Visa - Explained🇯🇵
Recently I submitted my Japan Tourist Visa on my own at VFS, Bengaluru. Got my tourist visa approved by Consulate General of Japan, Bengaluru.
This post is written with a aim to explain that it's easy to get a Japan Visa without any external…
💳HDFC Tata NeuCard Infinity LTF💳
I got my NeuCard Infinity approved after the Tata Neu Rewards Premier League was over
I came to know through a Twitter friend that, the card is being offered LTF for those with other bank statement above 1.5L limit
Here's what I did. A🧵
Buy Your Dream🚗 with Your Credit 💳
I bought my car with my credit card last year.
5 Tips from my experience👇for you to benefit.
Bookmark this for future reference !!!
Tips are not in chronological order and require total understanding.
Tip 1: MDR (Merchant Discount Rate)…
Serious Security Lapse
@HSBC_IN
:
Read fully guys. This happened today with me.
I got a call from a Hyderabad-based landline today.
He: On behalf of HSBC, we are offering add-on cards
Me: I don't know whether I hold an add-on card or not. So, I don't want to apply.
He: I will…
💳Best Credit Cards 2023💳
This practical guide will help you choose the best credit card
Understand and use this step-by-step guide to gain maximum profit from cards
The cards discussed here are for discussion purposes only and not suggestions
Cards 💳 & Travel ✈️ Mega List:
Cross-check with this mega list I curated & confirm that you follow all to reap maximum benefit.
Founders of Indian card community:
@iSiddharthRaman
@LiveFromALounge
Friends with all:
@Skh27
Fly & Stay with Miles:
@drgrudge
@Vgdktk
…
DIY International Holiday - Tips
I did my first international holiday with my spouse, 5-year-old child & parent.
Simple tips from my experience for effective travel 👇
I spent ₹9200 on food.
Hack: I never search for Indian food when traveling abroad. I eat like a local & eat where they eat.
Following the same, I tried hot ramen bowls, yakitori, miso soup & more on this trip.
My Favourite: Fruit sandwiches from Beck's Coffee
Encalm NEW Lounge - Hyderabad
@EncalmIndia
recently opened their new lounge
@RGIAHyd
A couple of hits ✅ ✅ & a BIG Miss ❌ in this lounge.
All details, a 🧵
Wait, do you know this lounge access requires 2 cards if.....?
➡️Opinion⬅️
Creditcards earn you reward points
Is it not interesting if you can earn more than reward points while spending?
I have earned Rs. 21079 with 1 affiliate in the last 9 yrs without spending extra
How did I do this?
Read 🧵 or join here 👇👇
⛔Flip,kart Devaluation Alert⛔
Saw this today.
Return fee introduced by FK.
No notification or intimation of any kind received before implementation.
Are you affected too?
Check your accounts.
💰Hotel Savings💰
🏨 Le Méridien, Kochi🏨
Recently, I have been here for 1 night with 2 families in transit en route to Munnar
How I booked?
How did I upgrade & get breakfast without status?
Dinner Savings
Reward value
These & more as a 🧵
5 Mistakes I did in Japan.
Bookmark 🔖this, so that you don't repeat the same ones. 😂
❌ Mistake
📖 Learning
✅ Correction
Shinkansen Booking 🚅
❌ As soon as I landed in Narita Airport, went to the JR Station, exchanged my pass & booked tickets for my travel 4 days later in…
Local Travel - ₹32,000
JR Pass 7 days - ₹29,000
Others - ₹3000
Travelled 3600+ kms using JR Pass which otherwise would have costed me ₹64,000. Bullet 🚅 trains inclusive.
Visited Kyoto, Kawazu Cherry Blossom & Sapporo Snow Festival.
Japan is more amazing with JR Pass.
🙌Thank You🙌
95 days ago, I decided to write what I have learnt and experienced in the credit card world for the benefit of the community and here it is today.
3k strong.
A huge thanks to our card community for all the love and affection you guys showered on me.
🙏🙏🙏
Feels so great to have met the ever smiling Actor, Dr.
@Sai_Pallavi92
at Sapporo Snow Festival 2024, Japan.
Such a soft spoken, & down to earth ⭐ she is.
Posed politely for pics I requested, after her shoot.
My backpacking trip is more memorable now 🙂.
🚨 Domestic Flights Deal 🚨
This is a sweet domestic flight booking deal from Cleartrip if,
- you're booking for more than 3 pax and,
- your travel plans are not sure and,
- you're a Flipkart Plus member
Thanks
@Skh27
🪙Gold Coin Alert🪙
Reliance Jewels 999 24k 1.5 grams coin at Rs. 8686 for SBI cardholders
8.5% less than market price
Also get free 🎁 , additional tip inside 🧵
Delivery by 15 June
Details in this 🧵
Why didn't I take the Axis Magnus Card?
This card is one of the best in the market on date.
Yet, I don't have it why?
Explained to some ppl who asked me on DM.
Thought of compiling a 🧵 on my reasoning.
NB: What doesn't work for me, may perfectly work for you
Thank you cabin crew member Ms. Priya in UK819
@airvistara
, on 22 March.
Spared me a free stowage area, for a cake I was flying into Bangalore.
Indeed felt flying a new feeling.
Convey my thanks to her please
@airvistara
.
🏦HDFC Diners Club Black 💳🏦
Some users asked me for a easy way to check the milestone spends on HDFC DCB.
While checking for something else, i found an online way for this.
Here's the detailed 🧵 on how you can check it.
Avoided expensive roaming charges from India!
Pre-booked WiFi rental for only ₹1600!
Breathtaking Mt. Fuji views from Shibuya Sky - Budget friendly at ₹1300
Total expenses on accomodation was ₹21,400
- Only ₹1750/night in a Tokyo hostel
- Snagged a peak-season Sapporo hostel for ₹5000/night
- Lesser known Premium hot spring inclusive capsule hotel near Narita at ₹3000
I'm not taking AmEx Plat Charge
🎁 AmEx Plat Charge is a cool premium metal product with awesome features.
🎯 Yet, I'm not taking it. Why 👇?
✅ Current offer gives around 2 MR points (that don't expire) per rupee & makes the card worthy.
❌ Have an accumulated stash of MR…
🇯🇵DIY Japan Visa - Explained🇯🇵
Recently I submitted my Japan Tourist Visa on my own at VFS, Bengaluru. Got my tourist visa approved by Consulate General of Japan, Bengaluru.
This post is written with a aim to explain that it's easy to get a Japan Visa without any external…
Cards 💳, Coffee ☕ & a Cake 🎂
What else does a 5k CELEBRATION call for?
Lovely celebration it was🎉
Thanks for joining me guys.
@MSujith9
@GauravGanna
@prxthxm22
Missed you
@bohemianSarthak
Note: Follow me & lookout for the BIG giveaway coming soon.
🛑STOP Credit Card Overspending🛑
💡A 5️⃣ step practical guide💡
Overspending on credit cards can lead to many problems. Everyone knows this.
But, how to stop overspending?
Use this simple & practical guide 👇👇
📑 Bookmark thread for future reference
I explored Japan for 8 days in LESS THAN ₹1 lakh! 🇯🇵
Err... ₹96k ONLY 😍
Flights, hotels, sightseeing, local travel, food - ALL INCLUSIVE!
From Cherry blossom to blazing bullet trains, I did it all!
Unleash the backpacker in you.
Bookmark NOW & read on 👇
#Japan
#Travel
HDFC Reward Points ✈️ Redemption
I hold HDFC Diners Club Black card & flight redemptions with this 💳 has its own perks:
✅ Re. 1 value per point
✅ No expert planning required
✅ Keep all points at one place
✅ Redemption valid across all airlines globally
Detailed 🧵
Scored my Japan flights in November for February travel at just ₹30,000!
That's savings of at least ₹25,000 by booking early
@outofofficedaku
Tweaked my travel dates for Sapporo Snow Festival! Thanks
@Amit_Tokyo
𝙁𝙖𝙫𝙤𝙪𝙧𝙞𝙩𝙚 𝟰 𝘾𝙧𝙚𝙙𝙞𝙩 𝘾𝙖𝙧𝙙𝙨 𝙄 𝙐𝙨𝙚 - 𝟮𝟬𝟮𝟰
(With reasons & list of other cards I hold)
1. 𝐀𝐦𝐄𝐱 𝐏𝐥𝐚𝐭𝐢𝐧𝐮𝐦 𝐓𝐫𝐚𝐯𝐞𝐥 𝐂𝐚𝐫𝐝 (Paid)
Top Reasons: Taj Vouchers, Reward Multiplier, Stress-free 4L spends
Apply to get a gift 🎁 & FYF 💳:…
Axis Performance
Transaction date: 05 May
Transaction time: 20:47
e-mail date: 06 May
e-mail time: 01:52
Saw e-mail just now & I almost got into shock of a fraudulent transaction on my card
Do you also get delayed e-mails from Axis?
🕺Final score of 2023🕺
CIBIL 804
Experian 817
I hold 19 credit cards
❌Myth❌
More credit cards badly impacts credit score
✅Fact✅
It's the behaviour & not numbers that determine your credit score
What's the biggest myth U believed before you understood credit cards? ✍️👇
5k Followers Final Contest:
1 night free stay at a Marriott property(2 adults,room only, upto 10k MB pts)
Eligibility:
✅Follow me
✅Like this tweet
✅Repost this tweet
As a celebration, opening my WhatsApp. Text me NOW 👇👇
Result on my special day
Wowwww.... 🎂
10k followers on Twitter in under 14 months! 😎
I'm so grateful for our supportive community. 👍
Thank you all for the feedback & love on the experiences I shared. 🙏
It means a LOT to me. ♥️
Here's 🍻 to many more!
#ThankYou
🚨HDFC FEATURE ALERT🚨
This 🧵 is on SmartBUY
Are you an HDFC card user & have not heard about SmartBUY?
Then, you are missing up to 10% additional discount or 10x reward points
It's similar to Cashkaro i discussed here 👇
➡️Opinion⬅️
Creditcards earn you reward points
Is it not interesting if you can earn more than reward points while spending?
I have earned Rs. 21079 with 1 affiliate in the last 9 yrs without spending extra
How did I do this?
Read 🧵 or join here 👇👇
💳Weekly Wrap-up✈️
✨Amex fulfills March insurance offer
✨Axis joining fee reversed for December offer
✨Amazon Pay starts hotel booking & pilots dining payments
✨Tata Neu rewards league ends(but not IPL 🤪)
✨Cashkaro x Amazon 100 back on 750 running limited time
Contd 👇👇
💳Weekly Wrap-up 2 ✈️
✨Axis Ace devaluation starts on 15th June
✨Kotak allows international lounge access without priority pass
✨Axis rationalizes list of domestic airport lounges on all cards
✨Axis running targetted international PoS offer
Contd....
👍 Review 👎
TFS Travel Club Lounge, Chennai Domestic Terminal
@aaichnairport
I was expecting to visit the new integrated terminal. But, seems like it is still not operational.
🛌 Marriott Domestic Redemption 🛌
I searched and found some amazing redemptions upto Rs. 1.87 in India
Search criteria:
2 adults
May 2023
Saturday checkin
Sunday checkout
Summary:
Close to Re. 1 value - 25 properties
More than Re. 1 Value - 11 properties
Plan vacation soon✈️
💛 Akshaya Tritiya Bumper 💛
P.C Chandra Jewellers 24kt Gold Coin Cum Pendant - 1 Gram with ICICI cards until 11 April
Effective price: Rs. 5733
Savings per gram: Rs. 659
Check and proceed with all steps 👇👇 carefully.
#creditcard
spends that
#ccgeek
do shall be based on various factors w.r.t reward points.
I built a simple and free tool,
-to ease understanding of these factors
-to use the best card
𝐔𝐧𝐢𝐯𝐞𝐫𝐬𝐚𝐥 𝐑𝐞𝐰𝐚𝐫𝐝 𝐕𝐚𝐥𝐮𝐞 𝐂𝐨𝐦𝐩𝐚𝐫𝐢𝐬𝐨𝐧 𝐓𝐨𝐨𝐥
Details here 👇👇
ICICI LTF Coral RuPay 💳
♥️ Loved the centre alignment of name on card.
♥️ A shiny dual colour adds a premium feel.
♥️Whopping 7 years validity. ICICI knows that this card will always stay home and not in the wallet 😂
Security Lapse Update:
1️⃣ A senior executive from
@HSBC_IN
contacted me yesterday & understood the whole sequence of events.
2️⃣
@HSBC_IN
team from Mumbai has rushed to Hyderabad today & completed their audit. They've assured me that necessary action has been taken to prevent…
Serious Security Lapse
@HSBC_IN
:
Read fully guys. This happened today with me.
I got a call from a Hyderabad-based landline today.
He: On behalf of HSBC, we are offering add-on cards
Me: I don't know whether I hold an add-on card or not. So, I don't want to apply.
He: I will…
❓ Did you know this❓
If you are staying with a Tata employee at Taj hotels, you are entitled to 50% discount on room rates and more.
Disclaimer: I asked a few Tata group ppl. They didn't know 🤔🤔
Details here 👇👇
🤝 Credit Cards 💳 Meet-up🤝
A small meet-up planned for tomorrow morning at Chennai.
Location: Adyar
Time: 9 AM
DM me if you're joining.
Let's chat rewards over breakfast...
🔴Caution🔴Warning🔴
Real Life Credit Card Problem
This is a problem faced by a genuine card user
So what happened?
What should you not do and the lesson for us?
All these in this 🧵
🚨 OFFER ALERT🚨
7 May 2023
Save the date, cos it's the only date when beverages
@StarbucksIndia
are affordable 🤪🤪
Thanks
@StarbucksIndia
for sending out the offer so early
We've marked our calendars for appointments
This hurts
@IDFCFIRSTBank
My first credit card limit 10 years ago was Rs. 65000
Today I've been issued a card with Rs. 25000 limit 🤔. Lowest in my 10 yr cards journey. Happens to be my 20th card.
Yet it feels good to get a card on the first day of year 2024. 😍
Have the following questions for
@HSBC_IN
:
1. When bank corresponds with us we are supposed to reveal only last 4 digits. How does this BPO / DSA guy have access to all these details in full?
2. Why does he have access to a system with all confidential data & WhatsApp…
💻 Massive discount with SB I cards on Laptops 💻
🌟 Upto Rs. 7000 instant discount
🌟 Windows 11+ MS Office in-built
🌟 All are cheaper than most 11th gen models
💥 Asus i3 12th gen
💥 Lenovo i5 12th gen
💥 Samsung i7 12th gen…
International Vacation ✈️ this Independence Day
It's a long weekend!
🌐 Explore the world without breaking the bank!
🌐 Fly international at domestic prices!
Check out this🧵 for the best deals and destinations. ⬇️
#FlighDeals
🚨Points Wastage Alert🚨
⚠️Caution ⚠️
Bata Store
@PineLabs
PoS
AmEx Plat Travel Card
The default payment option that popped up was the redemption of precious reward points.
Always check the terminal display before completing the transaction.
@PineLabs
pl disable this feature
🌟CREDIT CARDS DECODED🌟
💳🖱️ONLINE SESSION🖱️💳
✅How to choose the best credit card?
✅Should I take one more credit card?
✅Can I really get a free flight ticket from my credit card?
✅How to avoid overspending on credit cards?
✅What are the credit card mistakes I should…
💳Credit Cards Explained💳
Have u
🔹had doubts about 💳s in mind?
🔹wanted to understand jargon?
🔹searched for a reliable source?
🔹felt a need to talk to someone who can solve all these for you?
All these & more for a very reasonable fee
Limited Seats ONLY
DM me NOW
✈️Award Flight Redemption✈️
Recently while searching for flight redemptions, for next trip with my hard-earned miles, I came across these 2 exciting (IMO) redemptions.
I hope
@drgrudge
&
@travelsofram
will agree these are Sweet Spots🎯
My observations as a 🧵
Let's go 🛫
💳Explained💳
You should apply these credit cards immediately if you don't have them
But why?
I have explained in this 🧵, along with 1 🆒 tip & Rs. 1500 bonus cash for you
10 Simple Ideas to Save this Sale Season
Use these 10 simple ideas this festive sale season & become a PRO shopper.
1. Buy for Need:
Buy only if you need an item. Never buy because the product is at a deep discount.
2. Right Cards:
Optimise the card usage basis your purchase…
Many tips are available on maximizing rewards on
#creditcard
. Most of them are easily utilized by people in metros and tier 1 cities. How to maximize
#RewardsPoints
on
#creditcard
from a tier 3 town? One such tip in this thread. 1/5
ITC Aashirvaad Svasti Pure Cow Ghee - 1L
#AmazonGreatIndianFestival
Cheaper than most online sites
Deal Price: Rs. 599
Regular Price: Rs. 749 (Approx)
More Brands in the next tweet 👇👇
DONOT apply an AmEx Platinum Travel Card if you,
💰Can't spend 4L a YEAR
🏰 Don't want FREE stay at 5 star hotels
🎁 Hate ACCELERATED rewards
💝 Can't tolerate BEST customer service
🔥 Won't accept 7% REWARDS
Else, apply & get the card FYF 🆓 + 2k Bonus MR Points…
My BLUNDER & Learning - BPCL
BLUNDER:
❌ Mistake of not checking my statements for past 3 months.
❌ Bonus RP was not credited for BPCL transactions.
Transactions:
✅ All were BPCL transactions from my regular refueling outlet.
Learning:
➗ The outlet has 2 PoS variants.…
🫶Show me your Love🫶
If you liked ♥️ my tweets please apply credit cards through my referral 👇
Axis
SBI
IndusInd
IDFC
ICICI
Refer friends & family too
TIA
🙏 Alert 🙏
5X Followers for March credited today.
Celebration 🎉🎉🎉 mood this Easter 🥚.
Huge shoutout 🗣️to all you guys.
You guys made my day Ex(egg)cellent.
⚜️ Akshaya Tritiya ⚜️
This golden season, have this guide handy when u head out to buy gold or diamond jewellery offline.
Also, double dip on spends offer sent by the bank (Expected soon).
✨ - Gold jewellery
💎 - Diamond jewellery
MC - Making Charges
TnCs in next tweet
✅Tata Neu Doble Dip Offer✅
🤑Quad Dip on Electronics (Up to 28.75% returns)🤑
1st Dip: Buy above 20k in one transaction & get 1000 NC
2nd Dip: 10% off up to ₹2000 on electronics at Croma using HDFC cards
3rd Dip: Get additional 5% NC with HDFC Tata Neu Infinity Card (Apply…
11+ yrs Experience - 20+ Credit Cards - 7 Tips 👇
Never use CC for the sake of
🔴 Card upgrade
🔴 Milestones
🔴 Miles & Rewards
CC is best used
🟢 For regular PERSONAL spends
🟢 In a SMALL family
🟢 If u repay FULL every month
💳 2-3 cards are good for most ppl
If u agree 🔁
Summer Flight ✈️ Deal
Kazakhstan
🎯 Visa Free for Indians
🎯 Value is ₹ is good
🎯 May is good season
Delhi 🔄 Almaty
2-Way Total Fare 👉 ₹ 20,042
✅ Direct ✈️
✅ Cabin Baggage 7kg
✅ Check-in Baggage 30 kg
✅ Paid meal 🍽️
#FlightDeal
4th Credit Card 💳 by Axis
With all the rumors and news going around, I just tried to apply for my 4th card from the Axis app.
Application got through.
This is what shouldn't have happened 😞😞
I applied for Axis IOCL 💳 LTF
The SMS I got is this. 👎👎
🚦Power of Comparison🚦
Recently, I was in Westin, Chennai for dinner with a small gang
See 👇👇 how the power of comparison helped me save 36% on my bill with an underated 💳
Note: I didn't use EazyDiner app and 💳, but why?
Answered 👇👇