Indian credit card 💳 and travel✈️ enthusiast. Helping people select the right credit card and plan travel. Believes in the saying,"Money saved is money earned”
If you've been dreaming💭of touring Europe for a while, now is the time to make it happen.
In this thread 🧵, I will list down the strategies that I have followed when planning my Europe Tours.
These strategies will help you🫵🏼save a ton of money💰.
So, buckle up ➡️
(1/n)
🌟🏨 Just returned from an unforgettable 6-day getaway to Westin Himalayas! 🌄🏞️ [10th August - 15th August]
Curious how I made the most of my credit card points and hotel rewards? Get ready for a post that'll have you dreaming of your next points-powered adventure.
Buckle up,…
Planning the Perfect One-Time Europe Adventure🇪🇺
For those seeking a once-in-a-lifetime European adventure, look no further! 🗺️
This carefully curated 21-day itinerary will guide you through iconic cities, breathtaking landscapes, and unforgettable experiences. 🏰🍝🗼🛶
(1/n)
Planning your dream European adventure?
Look no further! This 14-night itinerary covering France, Belgium, Luxembourg, and the Netherlands🇫🇷🇧🇪🇱🇺🇳🇱 has got you covered! 🤩🌍
From romantic Paris to historic Luxembourg, this trip is a true bucket-list experience! 🗼🍫🏰🌷
(1/n)
👟🌧️ Just welcomed the Skechers Max Protect Shoes to my sneaker squad! 💦 Perfect for monsoon adventures with their water repellent material and GoodYear outsole🌧️🌴
Thanks to Myntra, scored 'em for INR 3799! 💰✨ Also, earned 10x points with Axis GiftEdge. 🎁📈
#SneakerLove
🚨 Tweet for Watch Enthusiasts🚨
🕰️ Ready to level up your watch game without breaking the bank? 🤑
Presenting the Tissot PRX Powermatic 80, a gem under ₹1 Lac! ⌚️
Loved the watch so much that I had to write a tweet on it. (1/n)
Best value for Club Vistara redemptions options from Mumbai:
1. Male
2. Srinagar
3. Kolkata
4. Udaipur
5. Jodhpur
6. Coimbatore
7. Delhi
You get 5:4 conversion value from Axis EdgeReward points to CV points. You can easily extract more than ₹1 value from these points
That feeling 🥰 when you bought something at right time at reduced price and it’s price increased immediately in few hours.
New shoes - Bought for ₹6649 last night. Current price ₹18999
Also got 10x points through Ax-is Gift-Edge Myntra purchase
Aankh bhar aayi 🥹🥹😂🤣
This thread 🧵will help you discover an interesting purchase that you can make through the American Express New Year offer.
This purchase will help you
1. Make Money
2. Earn points
I will also share the preferred card💳for this transaction.
Ready, Let's go🚀
(1/n)
Returned from a refreshing weekend break from Mahabaleshwar. Stayed at Hotel Gautam.
This property is not available on any travel portals but is a great gem. My family is visiting it since last 20 years.
USP - Great views, all inclusive meals (veg only) and good hospitality
For years, HDFC Diners Club Black card has been considered as a gold standard for the premium category cards.
In this thread 🧵, we’ll review the Diner’s Club Black and see if it still lives upto it’s fame.
So buckle 🆙
(1/n)
Another example of why you should book train/bus/flight tickets for Europe internal travel directly from the operator
I was booking a train ticket from Milan to Florence. The cost per ticket on a high-speed Italo train was €60.
I got a family offer on the company site
(1/n)
This thread🧵lists down the credit cards and strategies that I use to get flight✈️tickets at a cheaper price.
So buckle up coz we are ready for take-off🛫
(1/n)
Here's my review thread🧵on the big daddy of all fuel cards available in the market - BPCL SBI OCTANE credit card.
Owning this card can be your shield🛡️against rising fuel costs.
With that said, let's dive in!
(1/n)
A lot of these super premium cards will open doors to insanely high lifestyle offers.
Be thoughtful of which ones you actually need and would be able to sustain.
Upgrading your lifestyle is easy but downgrading something in future is very difficult psychologically.
(1/n)
📣 Exciting news for all Ax-is cardholders! 🎉🔥
🏦✨ Ax-is Bank conversions to Club ITC just got even better! Now, when you convert your Ax-is EDGE Rewards Points/Miles to Club ITC Green Points, you can enjoy a 10% bonus! 🔄💰
(1/n)
Top 5 entry level credit cards in India as of Jan 2023
1. SBI Cashback Card
2. Flipkart Axis Card
3. AmazonPay ICICI Card
4. American Express MRCC Card
5. HDFC Regalia Card
Top 8 cheapest 1 week return flight options from Mumbai to international locations in May:
1. Abu Dhabi - ₹16106 (4th to 10th May)
2. Hanoi - ₹16477 (22nd to 29th May)
3. Ho Chi Min - ₹18386 (15th May to 23rd May)
4. Bangkok - ₹19163 (5th May to 12th May)
🗺️Embark on a 12-day adventure with my ultimate travel itinerary covering the mesmerizing regions of Spain🇪🇸 and Portugal🇵🇹
From picturesque villages to stunning beaches🏖️, immerse yourself in the unique cultures & flavors of these breathtaking destinations!
Buckle up➡️
(1/n)
I recently shifted to a new house. I preferred shopping bulk of my kitchen items from Home Center.
It’s a one stop shop to buy household items from multiple brands.
Want another reason - 10x points on Ax-is GiftEdge portal 🤯
One golden🥇rule of the credit card game is "Earn and Burn"
Stick to it and you'll never have to worry about points devaluation📉
Here's the thread🧵on my personal Infinia redemption plan
(1/n)
Just had my first visit to Truefitt & Hill salon and it was an absolute 💎gem!
Availed Royal haircut 💇🏻♂️. While the MRP was ₹2700, thanks to Amex Plat Charge card, I got it for a net effective price of just ₹200🤑
Amex Plat card has an offer of a 💯% Cashback upto ₹2500
(20/n)
If you found this tweet valuable, you can like it or retweet it for a wider reach.
Also, don't forget to follow me for more travel and credit card tips and tricks.
Last few days left for converting your credit card points to Club Vistara points and get 30% bonus points
I’ve converted my Ax-is ER points to CV at a rate of 5:4
Moved 1 Lac points and expecting 1.04 Lac CV points (including bonus)
The transfer isn’t instant like Marriott’s
Wondering💭 what to do with the ₹10000 worth of Tata Cliq voucher received on Axis Magnus card?
❌ They don’t let you buy gold coin
✅ Buy silver coin 🪙 instead. It works. Did myself 😎
Buying other product is like forcing yourself to spend on things you might not need.
Looking for vacation options in May?
Here's my thread 🧵on the top 10 best 5 nights stay 🏨options in Marriott purely based on Marriott Bonvoy points redemptions:
Buckle up ➡️
(1/n)
Let me say for millionth time: Amex is
#1
in card support
One of the bookings I made using Amex Platinum Travel card got canceled. I got full refund. My balance became -₹61000.
I requested Amex on chat if they can transfer this to my Amex Platinum Charge card balance (cont.)
The Standard Chartered Ultimate card is considered the crème de la crème of premium credit cards in India! 💳✨
In this tweet thread🧵, I'm giving you an inside look at this card's exclusive perks, fees, and rewards💰
Is it worth it? Let's find out!🤔
(1/n)
#CreditCardReview
🚨Low fare alert🚨
Mumbai -> Singapore return ticket on Singapore airlines ₹19998 (including taxes)
This is a very low fare on a superb airline. If you’re planning to visit Singapore this year,definitely consider this offer.
Offer only available on Singapore Airlines website
So you're wondering💭 how to get your hands on one of those snazzy premium credit cards.
Well, wonder no more!
Here's a thread🧵on 5 strategies that you can use to get your dream credit card faster.
Buckle up➡️
(1/n)
If you're a foodie, then this tweet thread🧵is for you!
I've listed all the hacks I use to get great discounts when ordering from Swiggy and Zomato.
Check them out and enjoy your next meal😋
(1/n)
Europe Tour Savings💶Tip:
When booking internal trains🚆and buses🚌, it's advisable to book them directly with the company and not use aggregator platform such as Omio or Trainline
These platforms charge you a booking fee
Use these platforms for discovery purpose only😎
(1/n)
A thread 🧵on why the American Express Platinum card is one of the best super premium cards in India
1. Reward Points
This card accrues 1 MR Point for every INR 40 spent on the card. At first glance, it may look low however wait for the next few points
Comment the most unused yet widely advertised feature of your credit card?
For me, it’s golf course⛳️ access.
If I practiced as much as offered by my cards, I would have become Indian Tiger Woods 🏌🏾🤣
🚨 Devaluation alert for Ax-is card holders!🚨
🔴 Gift Edge no longer supports Myntra! 😱
🔴 Grab Deals no longer offers 10X-20X. Max is 5X!😢
🔴 Eazydiner offer can be used only once a month on a min bill of 2500! 💳💥
Is the party over or is it temporary?
Time 🕰️ will tell
One golden🥇rule of the credit card game is "Earn and Burn"
Stick to it and you'll never have to worry about points devaluation📉
Here's the thread🧵on my personal Infinia redemption plan
(1/n)
I and my family’s Schengen visa application from Belgium has been rejected.
Here are the 2 points mentioned in the refusal notice (Check screenshot)
Anyone aware where can I appeal against the decision? Information on site not clear
Unleash your wanderlust and indulge in luxury at the breathtaking Grand Hyatt Goa🏨!
Staying at this gem for the second time in two years and I must say, it never fails to impress.
It’s a paradise for leisure travelers.
#goa
#grandhyatt
#travel
(19/n)
There are cities that I have visited so many times but still crave e.g. Florence
My retirement plan is to start a Europe travel planning agency to help people plan custom itineraries and experience authentic local culture.
Planning the long weekend trip in August (10-15 August). Goal of the trip - relax and enjoy the property.
Shortlisted these four options:
1. Mussoorie/Dehradun
2. Kochi
3. Srinagar
4. Mahabaleshwar
Any other options I should consider or lock one of them?
which had current dues above ₹1Lac.
Prompt came the reply - Sure sir.
And in less than 2 mins my query was addressed. No phone call was required. Just a chat from their app (as if talking to a personal assistant 😄)
This kind of support increases confidence in customers
Simplest way to save on insurance premiums?
Pay using Amazon Pay.
I load my Amazon Pay wallet using gift vouchers purchased from HDFC Smartbuy, Amex Reward Multiplier, or Axis GiftEdge.
It helps me
a. Save >10% and
b. Reach milestones linked to a few cards (Amex)
#savings
👑 Being a Myntra Icon tier member has been a 🎁 rewarding experience!
Got a free Royal service voucher from Truefitt and Hill, and treated myself to a Royal Hair Cut in Thane – the experience was 👌 top-notch!
Shopping on Myntra = pure joy! 🛍️
Whenever I needed a boost for…
Today, I engaged with Ax-is customer service representatives over the call & I must say the experience me disappointed
Despite the influx of new customers in the past few quarters, the company has failed to prioritize the appointment of quality customer support personnel
(cont)
It gives free access to children between ages 3 and 12 (with seat) & reduces adult fares by 50%
Original cost = €420
My cost = €150
65% savings🤯
This offer is applicable if you're 2 to 4 pax
My family is of 7 pax hence I made two separate bookings🧠to maximize savings💰
Access to the Centurion Lounge is one of the top-notch benefits of owning Amex Platinum card.
I specifically book flights from the T2 terminal in Mumbai to enjoy its perks and savor a glass 🥃 of Glenlivet 18 Years.
Read my thread 🧵on Amex Plat card
A thread 🧵on why the American Express Platinum card is one of the best super premium cards in India
1. Reward Points
This card accrues 1 MR Point for every INR 40 spent on the card. At first glance, it may look low however wait for the next few points
👋 Hey guys! Today I'm sharing my golden rule for choosing the perfect room for my trips 🛌
Whether it's an exploration trip or a leisurely one, I have my go-to criteria that never fails! So let's dive in and find out more! 🌟
#traveltips
#wanderlust
Zomato Gold + Zomato Wallet = 🔥
Zomato wallet loaded using Magnus through GiftEdge - 5% instant discount + 5x points
P.S. - Don’t let discount push you to give up home cooked food
(18/n)
I hope these tips help you plan your Europe tour on a budget.
Backstory: I am a history buff with a keen interest in traveling. So Europe is a perfect blend for me.
Growing up in the '90s and viewing those Bollywood songs further added fuel to the fire🔥
(1/n) Thread 🧵on American Express trifecta and how you can maximize MR points on it in a year.
Buckle up. Time to explore the 'Tridev' of the credit cards world😃
(1/n) Thread 🧵on Axis Magnus credit card
Axis Magnus has been in the spotlight since early 2022 and has become the aspirational card for many card enthusiasts.
Let's take a deeper look at what makes this card special and how to best utilize it.
Buckle🆙
Financial independence can't be achieved with just credit card points or miles, no matter how many of them you rack up.
It's like trying to build a house with only a hammer and nails. You need a solid foundation of budgeting and saving.
(1/n)
(3/n)
Booked return tickets from Mumbai to Rome for just ₹33000
The current price of same ticket despite being 95 days aways is ₹61000
Pro tip: If you are sure of dates and location use the track price feature in Google Flights. It sends you reminder if there's drop in price
(6/n)
TheFork app is similar to the EazyDinner app. It lets me reserve table and pay at restaurants.
It gives me savings of 20% to 50%. Also, the offer is available in Indian restaurants as well.
📢Last night,
@myntra
surprised me with an incredible offer! 😮🛍️
I had shopped during Myntra's EORS period, and as a thank-you gesture, they sent me a deal: an Aeropostale bag worth ₹2000 for just ₹1! 🎒💸
Unbelievable, right? 🤩
Without any second thought, I bought it 🥳
(8/n)
I prefer Airbnb and to discover and book a place.
Where apartments are expensive, I choose hostels.
My favorite chain is Meininger Hostels. They are clean, have kitchens, are quite organized, and are in heart of the cities🏙️
My personal choice to complete milestone transactions on Amex MRCC and Gold Card
Why use Intermiles and not Amex Gyftr portal?
👉🏼I get Amazon Pay voucher and not Shopping voucher
👉🏼I get 5% instant discount
👉🏼I can enter custom value of voucher.On Gyftr, the min value is ₹2000
(11/n)
If you're sure that you'll be visiting Europe multiple times in the coming years then don't hop in extremes i.e. going from Paris to Athens
If you're visiting Paris cover the west Europe belt alone i.e. Paris, Brussels, Antwerp, Bruges, Luxembourg, Amsterdam, etc.
Marks and Spencer is back on the Grabdeals portal
👉🏼Now it offers 40x points instead of earlier 45x
👉🏼In case of Magnus card, you can transact for ₹4200 to complete monthly Grabdeals quota of 10000 points
👉🏼In case of Reserve card, you can transact for ₹3400 to complete quota
You can use the CV points on following routes from Mumbai where they give great returns:
1. Mumbai to Dehradun (5000 CV)
2. Mumbai to Kochi (4500 CV)
3. Mumbai to Delhi (5000 CV)
4. Mumbai to Kolkata (6000 CV)
5. Mumbai to Male (10000 CV)
Above are for one side travel
@dmuthuk
I beg to differ. I’m saving >10% on an average on my regular expenses. One such expense is electricity. Our bill ranges between 8.5k - 12k. I’m able to avail 12% discount on it using my credit card. That’s around 10k savings in a year - 3 stocks of TCS 🤩
Vistara Airlines turn 8 and they have rolled out great anniversary offers.
Mumbai to Singapore return direct flight is ₹20818. That's a great deal.
#Offers
(11/n)
Making thread🧵and doing research takes time. Show some love🫶🏼by following the handle and I promise to keep you updated with new offers
If you plan to take a new Amex card, you can DM me. You will get great offers from Amex and a gift card from me
(15/n)
7. Anchor⚓️a city and explore around
You don't have to always move with your luggage to a different city to explore it. You can make one city as your base and cover cities (<200Km) around it.
E.g. Make Brussels anchor city in Belgium and cover Ghent, Antwerp, and Bruges
(2/n)
1. Book tickets well in advance
You’ll be surprised by how much you can save through this simple yet often-ignored tip
E.g. My personal record is 354 days😅. ss attached.
Even my upcoming travel for May 2023 was booked in September 22 (7.5 months)
How much I saved?
(8/n)
Congratulations, you have just completed the crash course🧑🏼🎓on Fuel Savings😄
If you found this tweet valuable, you can like❤️ and retweet🔃 it.
Also, follow me for more such mind-blowing🤯saving tips.
Happy Savings!
Amex has proven to be unparalleled in terms of transparency and customer support, & I believe that as I progress in life, my time will become even more valuable
Hence, it is crucial to have a card that provides exceptional service & support, & Amex seems to excel in this regard
(4/n)
E.g. One of the users having an HD-FC Regalia card & credit limit of ₹9 Lacs got Magnus and Reserve both.
The same person wasn't even getting Diner's Club Black card or Infinia when he requested the bank for it.
Time to rush🏃🏼and restart that Axis application, huh?
(5/n)
I travel with a family of 7. This reduction helps me save significantly
We prepare lunch with our breakfast & carry it in tiffin🎒when we head out. Dinner is made when we are back
Pro tip: When I don't have the cooking facility available at a few places, I use TheFork app
(12/n)
Why?
You'll save a bomb of money on travel costs. Internal airfare may seem cheaper (Ryan air, EasyJet) but as soon as you add luggage to it, boom🧨
When you cover nearby cities, you can use bus/train and reduce costs by 80%. I use Omio to plan my internal travel
🎮 Unbelievable Offer Alert! 🎮 🎉
Get the PS5 Standard Edition at a never-seen-before price of just ₹43,490 on Flipkart! 😱🔥
Lowest price since launch! If you're a gamer, this is a deal you can't miss! 🚀
#PS5
#Gaming
#DealAlert
Added benefits thread 🧵 of using Smartbuy’s Makemytrip portal to book hotels
1. Become their Exclusive member faster in MMT Black Loyalty program
2. Enjoy additional ₹0.75 and ₹1.5 for every 100 spent on flight and hotel respectively (over and above HDFC points)
(8/n)
So I expect slow growth. Still my mutual fund investment is on.
I’m not a financial pro. I have just laid thoughts 💭 and strategies that I follow.
Moral: Be thoughtful 🤔 of your spends.
I want all of us to grow through each others experiences.
Cheers 🥂
(3/n)
2. Use C2C technique
If you have an existing card (reputed bank) with a higher credit limit, you can use it to get a premium card from another bank.
Many of my followers have used this technique and got their dream cards. It is often ignored technique.
🚨Offer alert on Amex🚨
Amex has started new year with a bang. A one of its kind offer.
You can earn 23 MR points on every ₹100 spent on reward multiplier portal.
👉🏻 Offer is valid only on purchase of products by clicking the link of merchants
(1/n)
(9/n)
If you found this tweet valuable, don't forget to like❤️ and Retweet🔃 .
For more credit card tips and tricks, don't forget to follow me.
Happy Savings💰
For more credit card tips and tricks, follow me
(9/n)
4. Book. Cancel. Book.
I usually go with a free cancelation policy when booking an apartment/hotel🛌🏼
From time to time, I monitor other apartments in the vicinity. If I find a good deal, I cancel the existing booking and go for the other property😎
@onlymadhoo
And still gets rejected.
I have received 3 Schengen visas in the past 6 years and still this time my application was rejected twice by the same countries I visited earlier. Reason - vague.
(3/n)
Special features of this card:
1. International spend - 2x points i.e. 30 ER Points for ₹200 spent
2. 4 complimentary luxury airport transfers/year. Availed in Dec 2022. Got Toyota Camry
3. 8 complimentary meet and greet/year
4. Lowest Forex markup fee (1.5% + GST)
Ultraboost shoes available for ₹6999 on Myntra.
Last time few of the users had asked me to share when the rates are rock bottom. Use Infinia/Magnus/Amex card to purchase gift vouchers and get at even reduced price or get bonus points
Despite so many devaluations and changes in the past 3 years, good to see that Infinia still dominates the super-premium card segment.
Makes me wonder🤔if Ax-is rolls back ₹1 Lac milestone offer how many would still go for Magnus (or even Reserve)
A thread🧵on how I bought the latest iPhone at 43% discount.
I’m sure you’re surprised 😮
Well, let me breakdown the steps and hope it helps you save on your purchase as well
(1/n)
(14/n)
6. Book tourist attractions earlier
Avoid long queues at popular tourist destinations by booking tickets🎟️online and in advance.
I have seen a lot of tourists standing in queue for hours ⌛️and returning disappointed without making it (Eiffel Tower).
As I look to the future and consider my growth, I find myself leaning towards Amex Platinum or Amex Centurion equivalent card as my primary option, with HD-FC Infinia equivalent card serving as a strong secondary choice.
(cont.)
(7/n)
3. Apartments over hotels
Why?
👉🏼Cheap
👉🏼More flexibility
👉🏼I get a kitchen to cook my meal
👉🏼I get a washing machine to clean my clothes and iron them
👉🏼Bigger space than a hotel room
👉🏼Get to blend in with the local lifestyle
(10/n)
Pro Tip - There will be always good cards and offers in the future as well. So take it easy🧘🏼♂️and do not give in to FOMO.
I hope you found these 5 strategies useful. Don't forget to like❤️and retweet🔃
For more card tips, consider following me.
(5/n)
8. BookMyShow - Buy one Get one. ₹500 off on movie tickets; Rs.1000 off on non-movie tickets. Can be used 5 times a month
9. ClubMarriott Asia Pacific membership (1 cert for 50% off on Food for up to 10 guests, 2 certs for 30% off stay, and 2 certs for room upgrades)
(6/n)
The reason I shared this part is because this one wise 👌decision helped me save money which I then used to buy something sensible (gold).
If the offer is really good, I always prefer buying gold.
Why?
👉🏻 It’s an investment and helps counter inflation