SpendWisely
@spendwiselyx
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π³ An ardent credit card user | Sharing tips, hacks & recommendations | Helping you unlock maximum value from your credit cards
Mumbai, India
Joined November 2022
Best Credit Cards for 2025: Here is the list of best credit card for each category. Criteria to select the best credit cards πReward/Cashback Rate πValue for money (return on fre paid) πEase of card approval (Excluded super premium cards) Here is the thread πππ
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Forget LTF cards, even my Infinia & EPM do not find place in my wallet π
π³ They are used only for SmartBuy and iShop respectively (btw they still cover 60% of my expenses π) The only card that actually stays in my wallet today is Atlas π₯°π₯ which gives more value than my any
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π₯ Finally received my Free Marriott Night as the Renewal Benefit of the HDFC Marriott Credit Card! π₯ Hereβs how it worked for me π π Renewal Fee was charged on 9th November and the Free Night got credited automatically on 5th December in my linked Marriott account. π I
π Do you know this? There is a dedicated Customer Care Number for HDFC Marriott Bonvoy Credit Card β 18003093100 π€―π₯ π Itβs an exclusive HDFC Marriott Bonvoy Concierge Desk πΌβ¨ π They handle everything β welcome benefit, renewal award night, milestone award nights,
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π₯ 4.13% surcharge by HDFC Smartbuy is just too highβeven for Infinia! Even though we earn 16.66% back buts its in the form of reward points π redeemable only on Flights βοΈ | Hotels π¨ | Tanishq π, but the 4.13% charge is real cash outflow πΈ π«£. π Around 6β7 months back,
spendwisely.in
Compare the best credit cards in India 2025 with SpendWisely. Expert reviews, rewards, cashback & travel benefits to help you choose the right card.
The "Gyftr Tax" is getting out of hand. π HDFC SmartBuy now charges 4.13% (3.5% + GST) on Amazon Pay vouchers is a silent killer for reward rates. If you have Regalia Gold or lower, the math barely works anymore. You're better off using Amazon Pay ICICI or SBI Cashback for a
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This is very scary π³β¦ I have purchased gold coins multiple times in the last one year from Swiggy. Fortunately, I never faced any such issue. But after seeing incidents like this and many other similar experiences with Swiggy Instamart, I have completely stopped buying gold
spendwisely.in
Compare the best credit cards in India 2025 with SpendWisely. Expert reviews, rewards, cashback & travel benefits to help you choose the right card.
Nightmare scenario for @ankitdewan: Ordered a 5gm Gold Coin from @SwiggyInstamart, received a βΉ1 coin instead. π β οΈ PSA: NEVER share the OTP until you have physically verified the item. Always record your unboxing. π Sound ON: π
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Whatever people say about Accorβ¦ I am genuinely grateful to it β€οΈπ It is literally helping me in fulfilling my childhood travel dreams β and that too, in style β¨π« π For example, during my last Paris trip, I stayed at Mercure Paris Centre Eiffel Tower (an Accor property)
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Seriously π¦βfirst time ever I experienced rejection of an Add-on Card application! And guess whatβ¦ only @AxisBank can pull this off π€¦ββοΈππ«£ Applied an Add-on card for my spouse for my Atlas Credit Card and after completing the entire process, it shows βRejected as per
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π₯ 4.13% surcharge by HDFC Smartbuy is just too highβeven for Infinia! Even though we earn 16.66% back buts its in the form of reward points π redeemable only on Flights βοΈ | Hotels π¨ | Tanishq π, but the 4.13% charge is real cash outflow πΈ π«£. π Around 6β7 months back,
spendwisely.in
Compare the best credit cards in India 2025 with SpendWisely. Expert reviews, rewards, cashback & travel benefits to help you choose the right card.
The "Gyftr Tax" is getting out of hand. π HDFC SmartBuy now charges 4.13% (3.5% + GST) on Amazon Pay vouchers is a silent killer for reward rates. If you have Regalia Gold or lower, the math barely works anymore. You're better off using Amazon Pay ICICI or SBI Cashback for a
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Wow πππ, excellent collation of Indian and veg food π½οΈ options in Vietnam π»π³ and Thailand πΉπ β
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β¦ Vegetarian Food Diary π½οΈ Hanoi Southern Delight β standout (β
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Β½) Gujarat Indian β great thali (β
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) Ram Krishna & AMY (β
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) Danang Rasoi Pure Veg β frequent stop; (β
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) Gujarat Indian β slightly pricier but decent (β
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) Flavours of India β ok ok
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Forget LTF cards, even my Infinia & EPM do not find place in my wallet π
π³ They are used only for SmartBuy and iShop respectively (btw they still cover 60% of my expenses π) The only card that actually stays in my wallet today is Atlas π₯°π₯ which gives more value than my any
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People who are interested in my Swiss itineraryβ¦β¦ here are the full details about my first Swiss trip πππ
π§³ Insights from my 9-nights Swissπ¨π-Italy trip in September (7 nights in Switzerland, 2 nights in Italy) π 1/3rd of the cost covered via credit card points (HDFC Infinia & Axis Magnus) Total Full Cost: βΉ5.55L (Actual Cost βΉ3.7L after points redemption). Checkout screenshot
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Canβt agree more! π€ These are truly some of the best reads on the softer but more important side of personal finance ππ° Iβve already read the first two β The Psychology of Money and Same as Ever π€β¨ And just purchased the newest one β The Art of Spending Money ποΈπ΅ Fun
spendwisely.in
Compare the best credit cards in India 2025 with SpendWisely. Expert reviews, rewards, cashback & travel benefits to help you choose the right card.
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Accor works best when you are travelling overseas πβοΈ. They have fantastic options in almost all popular tourist countries such as South-East Asia (Thailand, Indonesia, Vietnam, Singapore, etc.), Europe πͺπΊ, Middle East (Dubai, Abu Dhani, Muscat etc) and even in some well-known
spendwisely.in
Compare the best credit cards in India 2025 with SpendWisely. Expert reviews, rewards, cashback & travel benefits to help you choose the right card.
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Last year (Decβ24), I chose to stay in a small village called TΓ€sch instead of the more popular Zermatt in Switzerland π¨πβand honestly, it turned out to be an amazing decision πβ¨ π¨ Stayed at Matterhorn Inn β a beautifully located boutique hotel with stunning balcony views
Ditched the over-touristy Hallstatt at the last moment for this location... And I am glad we did!! π»ποΈ Whenever you are in the alpine region - make sure you enjoy at least one toboggan/alpine coaster! It's such a thrilling experience with breathtaking views!!! 60km/hr++ while
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Guys, the Free 1-year Amazon Prime Membership (lite) If you apply Jupiter Edge+ LIFETIME FREE Credit Card is back along with free 1-year OneAssist Membership π₯³π₯³π₯³. β³οΈ Link to Apply Jupiter Edge Plus Card: https://t.co/hSWVQHvgIN (The link will redirect to Jupiter App. Install
play.google.com
UPI, RuPay Credit Card, Savings Account, Personal Loans, Mutual Funds, Gold & FD
Best Real Cashback Credit Card to Buy Amazon Pay Giftcards: Jupiter Lifetime Free Credit Card (issued by CSB Bank) is probably the best Real Cashback Credit Card asβ¦.. πIt gives 10% Real Cashback on Giftcards purchase as well on its 12 preferred brands including Amazon,
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Me after seeing this mail from Indigo in my inbox π₯ π€¦ββοΈπ«£πππ
Guys, IndiGoβs operations are in complete mess right now. My flight from Mumbai got cancelled today and I had to return home. Sharing a video below that I captured at the boarding gate. π The biggest issue was zero communication from IndiGo β in fact, even incorrect
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Giftcards are a superb π³ hack to boost your cardβs reward rate on everyday spendsβ¦ but only when you choose right! When buying a Gift Voucher (GV) for the first time, ALWAYS check these 4 things ππ 1οΈβ£ Online only or offline (or both?). Some brands issue separate vouchers
spendwisely.in
Compare the best credit cards in India 2025 with SpendWisely. Expert reviews, rewards, cashback & travel benefits to help you choose the right card.
The BEST thing HDFC has done for Infinia users lately is bringing all SmartBuy options directly inside the HDFC PayZapp App πβincluding Gift Vouchers (GVs) ποΈ π On PayZap App, no Smartbuy or Gyftr login needed πNo SmartBuy tracking issues on GVs π No manual credit card
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ibis actually has three sub-brands under Accor π¨π πΉ ibis budget β This is the most economical category πΈ β In most cases, stays here cannot be booked using Accor points πΉ ibis β Still a budget hotel, but better than ibis budget π β
This category can usually be booked
spendwisely.in
Compare the best credit cards in India 2025 with SpendWisely. Expert reviews, rewards, cashback & travel benefits to help you choose the right card.
@spendwiselyx Ibis Styles Krabi Ao Nang also has a big swimming pool.
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ibis Riverside Bangkok is the only ibis I know, with a proper Swimming Pool πββοΈβ¨ β and itβs surprisingly good! I stayed here in March 2024 and hereβs my short and honest review π β Location β 10/10 Right on the banks of the beautiful Chao Phraya River π, and very close to
πΉπ Ibis Bangkok Riverside An Ibis thatβs priced like an Ibis but doesnβt feel much like one β€οΈ Think of it as a small-resort with mini-facilities. Quite easily one of the nicest Ibisβs Iβve come acrossβ¦. π§΅ β¬οΈ Price and other details β¬οΈ (1/11)
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The happiest update about my credit card collection, got to know today only ππ π³ Iβve been having the SBI Cashback Credit Card since its launch in September 2022. π’ At that time, it had no joining fee, and for both 2023 & 2024, I simply requested customer care and got my
spendwisely.in
The SBI Cashback Credit Card is Indiaβs best cashback credit card, offering unbeatable cashback rates on online spending across various websites and apps. Beyond its impressive cashback rates, the...
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