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SpendWisely

@spendwiselyx

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πŸ’³ An ardent credit card user | Sharing tips, hacks & recommendations | Helping you unlock maximum value from your credit cards

Mumbai, India
Joined November 2022
Don't wanna be here? Send us removal request.
@spendwiselyx
SpendWisely
11 months
Best Credit Cards for 2025: Here is the list of best credit card for each category. Criteria to select the best credit cards πŸ‘‰Reward/Cashback Rate πŸ‘‰Value for money (return on fre paid) πŸ‘‰Ease of card approval (Excluded super premium cards) Here is the thread πŸ‘‡πŸ‘‡πŸ‘‡
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@spendwiselyx
SpendWisely
2 days
Forget LTF cards, even my Infinia & EPM do not find place in my wallet πŸ˜…πŸ’³ They are used only for SmartBuy and iShop respectively (btw they still cover 60% of my expenses 😊) The only card that actually stays in my wallet today is Atlas πŸ₯°πŸ”₯ which gives more value than my any
@AmazingCreditC
Amazing Credit Cards
6 days
Which lifetime-free credit card in your wallet do you use the most?
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@spendwiselyx
SpendWisely
15 hours
πŸ”₯ Finally received my Free Marriott Night as the Renewal Benefit of the HDFC Marriott Credit Card! πŸ”₯ Here’s how it worked for me πŸ‘‡ πŸ‘‰ Renewal Fee was charged on 9th November and the Free Night got credited automatically on 5th December in my linked Marriott account. πŸ‘‰ I
@spendwiselyx
SpendWisely
21 days
πŸ“ž Do you know this? There is a dedicated Customer Care Number for HDFC Marriott Bonvoy Credit Card – 18003093100 🀯πŸ”₯ πŸ‘‰ It’s an exclusive HDFC Marriott Bonvoy Concierge Desk πŸ’Όβœ¨ πŸ‘‰ They handle everything β€” welcome benefit, renewal award night, milestone award nights,
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@spendwiselyx
SpendWisely
2 days
πŸ”₯ 4.13% surcharge by HDFC Smartbuy is just too highβ€”even for Infinia! Even though we earn 16.66% back buts its in the form of reward points πŸ’Ž redeemable only on Flights ✈️ | Hotels 🏨 | Tanishq πŸ’, but the 4.13% charge is real cash outflow πŸ’Έ 🫣. πŸ“Œ Around 6–7 months back,
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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.
@CardMavenIn
CardMaven
2 days
The "Gyftr Tax" is getting out of hand. πŸ“‰ 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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@spendwiselyx
SpendWisely
22 hours
This is very scary πŸ˜³β€¦ 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
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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.
@CardMavenIn
CardMaven
1 day
Nightmare scenario for @ankitdewan: Ordered a 5gm Gold Coin from @SwiggyInstamart, received a β‚Ή1 coin instead. πŸ“‰ ⚠️ PSA: NEVER share the OTP until you have physically verified the item. Always record your unboxing. πŸ”Š Sound ON: πŸ’€
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@spendwiselyx
SpendWisely
1 day
Whatever people say about Accor… I am genuinely grateful to it β€οΈπŸ™ It is literally helping me in fulfilling my childhood travel dreams β€” and that too, in style βœ¨πŸ’« πŸ‘‰ For example, during my last Paris trip, I stayed at Mercure Paris Centre Eiffel Tower (an Accor property)
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@spendwiselyx
SpendWisely
1 day
Seriously πŸ˜¦β€”first time ever I experienced rejection of an Add-on Card application! And guess what… only @AxisBank can pull this off πŸ€¦β€β™‚οΈπŸ™„πŸ«£ Applied an Add-on card for my spouse for my Atlas Credit Card and after completing the entire process, it shows β€œRejected as per
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@spendwiselyx
SpendWisely
2 days
πŸ”₯ 4.13% surcharge by HDFC Smartbuy is just too highβ€”even for Infinia! Even though we earn 16.66% back buts its in the form of reward points πŸ’Ž redeemable only on Flights ✈️ | Hotels 🏨 | Tanishq πŸ’, but the 4.13% charge is real cash outflow πŸ’Έ 🫣. πŸ“Œ Around 6–7 months back,
Tweet card summary image
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.
@CardMavenIn
CardMaven
2 days
The "Gyftr Tax" is getting out of hand. πŸ“‰ 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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@spendwiselyx
SpendWisely
2 days
Wow πŸ‘ŒπŸ‘ŒπŸ‘Œ, excellent collation of Indian and veg food 🍽️ options in Vietnam πŸ‡»πŸ‡³ and Thailand πŸ‡ΉπŸ‡­ βœ…βœ…βœ…
@asksuranaji
Suranaji ke Fundey
3 days
✦ Vegetarian Food Diary 🍽️ Hanoi Southern Delight β€” standout (β˜…β˜…β˜…β˜…Β½) Gujarat Indian β€” great thali (β˜…β˜…β˜…β˜…) Ram Krishna & AMY (β˜…β˜…β˜…) Danang Rasoi Pure Veg β€” frequent stop; (β˜…β˜…β˜…β˜…) Gujarat Indian β€” slightly pricier but decent (β˜…β˜…β˜…β˜…) Flavours of India β€” ok ok
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@spendwiselyx
SpendWisely
2 days
Forget LTF cards, even my Infinia & EPM do not find place in my wallet πŸ˜…πŸ’³ They are used only for SmartBuy and iShop respectively (btw they still cover 60% of my expenses 😊) The only card that actually stays in my wallet today is Atlas πŸ₯°πŸ”₯ which gives more value than my any
@AmazingCreditC
Amazing Credit Cards
6 days
Which lifetime-free credit card in your wallet do you use the most?
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@spendwiselyx
SpendWisely
2 days
People who are interested in my Swiss itinerary…… here are the full details about my first Swiss trip πŸ‘‡πŸ‘‡πŸ‘‡
@spendwiselyx
SpendWisely
1 year
🧳 Insights from my 9-nights SwissπŸ‡¨πŸ‡­-Italy trip in September (7 nights in Switzerland, 2 nights in Italy) πŸŽ‰ 1/3rd of the cost covered via credit card points (HDFC Infinia & Axis Magnus) Total Full Cost: β‚Ή5.55L (Actual Cost β‚Ή3.7L after points redemption). Checkout screenshot
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@spendwiselyx
SpendWisely
2 days
Can’t agree more! 🀝 These are truly some of the best reads on the softer but more important side of personal finance πŸ“šπŸ’° I’ve already read the first two β€” The Psychology of Money and Same as Ever πŸ€“βœ¨ And just purchased the newest one β€” The Art of Spending Money πŸ›οΈπŸ’΅ Fun
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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.
@DanCanova
Dan Canova
2 days
Trifecta of must-reads. @morganhousel is pure money.
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@spendwiselyx
SpendWisely
2 days
Accor works best when you are travelling overseas 🌍✈️. They have fantastic options in almost all popular tourist countries such as South-East Asia (Thailand, Indonesia, Vietnam, Singapore, etc.), Europe πŸ‡ͺπŸ‡Ί, Middle East (Dubai, Abu Dhani, Muscat etc) and even in some well-known
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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.
@credofly
Credofly
2 days
Not even 1 Accor hotel is recommended Stop chasing value per point
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@spendwiselyx
SpendWisely
2 days
Last year (Dec’24), I chose to stay in a small village called TΓ€sch instead of the more popular Zermatt in Switzerland πŸ‡¨πŸ‡­β€”and honestly, it turned out to be an amazing decision 😍✨ 🏨 Stayed at Matterhorn Inn β€” a beautifully located boutique hotel with stunning balcony views
@cards_wizard
Harshit Bohra | Cards Wizard
3 days
Ditched the over-touristy Hallstatt at the last moment for this location... And I am glad we did!! πŸ—»πŸ”οΈ 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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@spendwiselyx
SpendWisely
6 days
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 πŸ₯³πŸ₯³πŸ₯³. ✳️ Link to Apply Jupiter Edge Plus Card: https://t.co/hSWVQHvgIN (The link will redirect to Jupiter App. Install
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play.google.com
UPI, RuPay Credit Card, Savings Account, Personal Loans, Mutual Funds, Gold & FD
@spendwiselyx
SpendWisely
18 days
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 as….. πŸ‘‰It gives 10% Real Cashback on Giftcards purchase as well on its 12 preferred brands including Amazon,
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@spendwiselyx
SpendWisely
3 days
Me after seeing this mail from Indigo in my inbox πŸ“₯ πŸ€¦β€β™€οΈπŸ«£πŸ™„πŸ™„πŸ™„
@spendwiselyx
SpendWisely
6 days
Guys, IndiGo’s 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. πŸ‘‰ The biggest issue was zero communication from IndiGo β€” in fact, even incorrect
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@spendwiselyx
SpendWisely
3 days
Giftcards are a superb πŸ’³ hack to boost your card’s reward rate on everyday spends… but only when you choose right! When buying a Gift Voucher (GV) for the first time, ALWAYS check these 4 things πŸ”πŸ‘‡ 1️⃣ Online only or offline (or both?). Some brands issue separate vouchers
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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
SpendWisely
5 days
The BEST thing HDFC has done for Infinia users lately is bringing all SmartBuy options directly inside the HDFC PayZapp App πŸŽ‰β€”including Gift Vouchers (GVs) πŸ›οΈ πŸ‘‰ On PayZap App, no Smartbuy or Gyftr login needed πŸ‘‰No SmartBuy tracking issues on GVs πŸ‘‰ No manual credit card
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@spendwiselyx
SpendWisely
3 days
ibis actually has three sub-brands under Accor πŸ¨πŸ‘‡ πŸ”Ή ibis budget – This is the most economical category πŸ’Έ ❌ In most cases, stays here cannot be booked using Accor points πŸ”Ή ibis – Still a budget hotel, but better than ibis budget πŸ‘ βœ… This category can usually be booked
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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.
@indianccgeek
Piyush
3 days
@spendwiselyx Ibis Styles Krabi Ao Nang also has a big swimming pool.
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@spendwiselyx
SpendWisely
4 days
ibis Riverside Bangkok is the only ibis I know, with a proper Swimming Pool πŸŠβ€β™‚οΈβœ¨ β€” and it’s surprisingly good! I stayed here in March 2024 and here’s my short and honest review πŸ‘‡ ⭐ Location β€” 10/10 Right on the banks of the beautiful Chao Phraya River 🌊, and very close to
@milespointspro
Zed
7 days
πŸ‡ΉπŸ‡­ Ibis Bangkok Riverside An Ibis that’s priced like an Ibis but doesn’t feel much like one ❀️ Think of it as a small-resort with mini-facilities. Quite easily one of the nicest Ibis’s I’ve come across…. 🧡 ⏬️ Price and other details ⏬️ (1/11)
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@spendwiselyx
SpendWisely
4 days
The happiest update about my credit card collection, got to know today only πŸ˜„πŸŽ‰ πŸ’³ I’ve been having the SBI Cashback Credit Card since its launch in September 2022. 🟒 At that time, it had no joining fee, and for both 2023 & 2024, I simply requested customer care and got my
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spendwisely.in
The SBI Cashback Credit Card is India’s 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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