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
๐๐๐ฎ ๐ฝ๐๐จ๐ฉ ๐พ๐ค๐ฃ๐ฉ๐๐ฃ๐ฉ - ๐ผ ๐พ๐ช๐ง๐๐ฉ๐๐ค๐ฃ ๐
๐ท๐๐๐ - 1
To simplify your user experience, I've compiled all my best tweets in this thread.
Like โฅ๏ธ,Repost ๐ for Max reach
๐ซ๐๐'๐ ๐๐๐๐๐๐ ๐๐ ๐๐๐๐๐๐๐๐ ๐๐๐๐๐งต๐๐๐ ๐๐๐๐๐๐ ๐๐๐๐๐๐๐๐๐
I explored Japan for 8 days in LESS THAN โน1 lakh! ๐ฏ๐ต
Err... โน96k ONLY ๐
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 ๐
#Japan
#Travel
Thankfully, Survived ๐ Accident
Hats off, ๐ซก to
@anandmahindra
& team for the solid
@MahindraXUV300
@MahindraXUV300
proves beyond doubt that it's the safest ๐. Can't agree more with
@GlobalNCAP
๐
๐ข Me driving with my seat belt fastened properly: Small scratches on my arms
BEST time to get Credit Cards ๐ณ
MISS THIS THREAD & YOU'LL FEEL LATER ๐ฅ
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 ๐งต
๐ฏ๐ตDIY Japan Visa - Explained๐ฏ๐ต
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
๐๐๐ซ๐ค๐ช๐ง๐๐ฉ๐ ๐ฐ ๐พ๐ง๐๐๐๐ฉ ๐พ๐๐ง๐๐จ ๐ ๐๐จ๐ - ๐ฎ๐ฌ๐ฎ๐ฐ
(With reasons & list of other cards I hold)
1. ๐๐ฆ๐๐ฑ ๐๐ฅ๐๐ญ๐ข๐ง๐ฎ๐ฆ ๐๐ซ๐๐ฏ๐๐ฅ ๐๐๐ซ๐ (Paid)
Top Reasons: Taj Vouchers, Reward Multiplier, Stress-free 4L spends
Apply to get a gift ๐ & FYF ๐ณ:
๐ณHDFC Tata NeuCard Infinity LTF๐ณ
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. A๐งต
Buy Your Dream๐ with Your Credit ๐ณ
I bought my car with my credit card last year.
5 Tips from my experience๐for you to benefit.
Bookmark this for future reference !!!
Tips are not in chronological order and require total understanding.
Tip 1: MDR (Merchant Discount Rate)
๐ณBest Credit Cards 2023๐ณ
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
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
Cards ๐ณ & Travel โ๏ธ 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 ๐
I spent โน9200 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 โ โ & a BIG Miss โ in this lounge.
All details, a ๐งต
Wait, do you know this lounge access requires 2 cards if.....?
โก๏ธOpinionโฌ ๏ธ
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 ๐งต or join here ๐๐
โFlip,kart Devaluation Alertโ
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.
๐ฐHotel Savings๐ฐ
๐จ Le Mรฉridien, Kochi๐จ
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 ๐งต
5 Mistakes I did in Japan.
Bookmark ๐this, so that you don't repeat the same ones. ๐
โ Mistake
๐ Learning
โ Correction
Shinkansen Booking ๐
โ 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 - โน32,000
JR Pass 7 days - โน29,000
Others - โน3000
Travelled 3600+ kms using JR Pass which otherwise would have costed me โน64,000. Bullet ๐ trains inclusive.
Visited Kyoto, Kawazu Cherry Blossom & Sapporo Snow Festival.
Japan is more amazing with JR Pass.
๐Thank You๐
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.
๐๐๐
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 โญ she is.
Posed politely for pics I requested, after her shoot.
My backpacking trip is more memorable now ๐.
๐จ Domestic Flights Deal ๐จ
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
๐ชGold Coin Alert๐ช
Reliance Jewels 999 24k 1.5 grams coin at Rs. 8686 for SBI cardholders
8.5% less than market price
Also get free ๐ , additional tip inside ๐งต
Delivery by 15 June
Details in this ๐งต
๐ฆHDFC Diners Club Black ๐ณ๐ฆ
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 ๐งต on how you can check it.
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 ๐งต 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
.
Avoided expensive roaming charges from India!
Pre-booked WiFi rental for only โน1600!
Breathtaking Mt. Fuji views from Shibuya Sky - Budget friendly at โน1300
Total expenses on accomodation was โน21,400
- Only โน1750/night in a Tokyo hostel
- Snagged a peak-season Sapporo hostel for โน5000/night
- Lesser known Premium hot spring inclusive capsule hotel near Narita at โน3000
I'm not taking AmEx Plat Charge
๐ AmEx Plat Charge is a cool premium metal product with awesome features.
๐ฏ Yet, I'm not taking it. Why ๐?
โ Current offer gives around 2 MR points (that don't expire) per rupee & makes the card worthy.
โ Have an accumulated stash of MR
Cards ๐ณ, Coffee โ & a Cake ๐
What else does a 5k CELEBRATION call for?
Lovely celebration it was๐
Thanks for joining me guys.
@MSujith9
@GauravGanna
@prxthxm22
Missed you
@bohemianSarthak
Note: Follow me & lookout for the BIG giveaway coming soon.
๐ฏ๐ตDIY Japan Visa - Explained๐ฏ๐ต
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
๐STOP Credit Card Overspending๐
๐กA 5๏ธโฃ step practical guide๐ก
Overspending on credit cards can lead to many problems. Everyone knows this.
But, how to stop overspending?
Use this simple & practical guide ๐๐
๐ Bookmark thread for future reference
HDFC Reward Points โ๏ธ Redemption
I hold HDFC Diners Club Black card & flight redemptions with this ๐ณ has its own perks:
โ Re. 1 value per point
โ No expert planning required
โ Keep all points at one place
โ Redemption valid across all airlines globally
Detailed ๐งต
I explored Japan for 8 days in LESS THAN โน1 lakh! ๐ฏ๐ต
Err... โน96k ONLY ๐
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 ๐
#Japan
#Travel
Scored my Japan flights in November for February travel at just โน30,000!
That's savings of at least โน25,000 by booking early
@outofofficedaku
Tweaked my travel dates for Sapporo Snow Festival! Thanks
@Amit_Tokyo
Close Call with Simpl Fraud - How I Avoided it?
I almost fell victim ๐ฏ to a scam targeting Simpl users, and that's why I deleted my account
@getsimpl
.
Here's what happened and how you can stay safe๐
The Phishing Attempt:
1. I received a call from an unknown number
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?
5k Followers Final Contest:
1 night free stay at a Marriott property(2 adults,room only, upto 10k MB pts)
Eligibility:
โ Follow me
โ Like this tweet
โ Repost this tweet
As a celebration, opening my WhatsApp. Text me NOW ๐๐
Result on my special day
๐บFinal score of 2023๐บ
CIBIL 804
Experian 817
I hold 19 credit cards
โMythโ
More credit cards badly impacts credit score
โ Factโ
It's the behaviour & not numbers that determine your credit score
What's the biggest myth U believed before you understood credit cards? โ๏ธ๐
๐จHDFC FEATURE ALERT๐จ
This ๐งต 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 ๐
โก๏ธOpinionโฌ ๏ธ
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 ๐งต or join here ๐๐
Wowwww.... ๐
10k followers on Twitter in under 14 months! ๐
I'm so grateful for our supportive community. ๐
Thank you all for the feedback & love on the experiences I shared. ๐
It means a LOT to me. โฅ๏ธ
Here's ๐ป to many more!
#ThankYou
๐ณWeekly Wrap-upโ๏ธ
โจAmex fulfills March insurance offer
โจAxis joining fee reversed for December offer
โจAmazon Pay starts hotel booking & pilots dining payments
โจTata Neu rewards league ends(but not IPL ๐คช)
โจCashkaro x Amazon 100 back on 750 running limited time
Contd ๐๐
๐ณWeekly Wrap-up 2 โ๏ธ
โจAxis Ace devaluation starts on 15th June
โจKotak allows international lounge access without priority pass
โจAxis rationalizes list of domestic airport lounges on all cards
โจAxis running targetted international PoS offer
Contd....
๐ Marriott Domestic Redemption ๐
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 soonโ๏ธ
๐ Review ๐
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.
#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
๐๐ง๐ข๐ฏ๐๐ซ๐ฌ๐๐ฅ ๐๐๐ฐ๐๐ซ๐ ๐๐๐ฅ๐ฎ๐ ๐๐จ๐ฆ๐ฉ๐๐ซ๐ข๐ฌ๐จ๐ง ๐๐จ๐จ๐ฅ
Details here ๐๐
๐ Akshaya Tritiya Bumper ๐
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 ๐๐ carefully.
ICICI LTF Coral RuPay ๐ณ
โฅ๏ธ Loved the centre alignment of name on card.
โฅ๏ธ A shiny dual colour adds a premium feel.
โฅ๏ธWhopping 7 years validity. ICICI knows that this card will always stay home and not in the wallet ๐
Security Lapse Update:
1๏ธโฃ A senior executive from
@HSBC_IN
contacted me yesterday & understood the whole sequence of events.
2๏ธโฃ
@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
๐ค Credit Cards ๐ณ Meet-up๐ค
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...
โ Did you know thisโ
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 ๐ค๐ค
Details here ๐๐
๐ดCaution๐ดWarning๐ด
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 ๐งต
๐จ OFFER ALERT๐จ
7 May 2023
Save the date, cos it's the only date when beverages
@StarbucksIndia
are affordable ๐คช๐คช
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 ๐ค. 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. ๐
International Vacation โ๏ธ this Independence Day
It's a long weekend!
๐ Explore the world without breaking the bank!
๐ Fly international at domestic prices!
Check out this๐งต for the best deals and destinations. โฌ๏ธ
#FlighDeals
๐ป Massive discount with SB I cards on Laptops ๐ป
๐ Upto Rs. 7000 instant discount
๐ Windows 11+ MS Office in-built
๐ All are cheaper than most 11th gen models
๐ฅ Asus i3 12th gen
๐ฅ Lenovo i5 12th gen
๐ฅ Samsung i7 12th gen
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
๐จPoints Wastage Alert๐จ
โ ๏ธCaution โ ๏ธ
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
๐CREDIT CARDS DECODED๐
๐ณ๐ฑ๏ธONLINE SESSION๐ฑ๏ธ๐ณ
โ How to choose the best credit card?
โ Should I take one more credit card?
โ Can I really get a free flight ticket from my credit card?
โ How to avoid overspending on credit cards?
โ What are the credit card mistakes I should
โ๏ธAward Flight Redemptionโ๏ธ
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 Spots๐ฏ
My observations as a ๐งต
Let's go ๐ซ
๐ณCredit Cards Explained๐ณ
Have u
๐นhad doubts about ๐ณs in mind?
๐นwanted to understand jargon?
๐นsearched for a reliable source?
๐นfelt 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
๐ณExplained๐ณ
You should apply these credit cards immediately if you don't have them
But why?
I have explained in this ๐งต, along with 1 ๐ 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 ๐๐
DONOT apply an AmEx Platinum Travel Card if you,
๐ฐCan't spend 4L a YEAR
๐ฐ Don't want FREE stay at 5 star hotels
๐ Hate ACCELERATED rewards
๐ Can't tolerate BEST customer service
๐ฅ Won't accept 7% REWARDS
Else, apply & get the card FYF ๐ + 2k Bonus MR Points
My BLUNDER & Learning - BPCL
BLUNDER:
โ Mistake of not checking my statements for past 3 months.
โ Bonus RP was not credited for BPCL transactions.
Transactions:
โ All were BPCL transactions from my regular refueling outlet.
Learning:
โ The outlet has 2 PoS variants.
๐ซถShow me your Love๐ซถ
If you liked โฅ๏ธ my tweets please apply credit cards through my referral ๐
Axis
SBI
IndusInd
IDFC
ICICI
Refer friends & family too
TIA
๐ Alert ๐
5X Followers for March credited today.
Celebration ๐๐๐ mood this Easter ๐ฅ.
Huge shoutout ๐ฃ๏ธto all you guys.
You guys made my day Ex(egg)cellent.
โ๏ธ Akshaya Tritiya โ๏ธ
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).
โจ - Gold jewellery
๐ - Diamond jewellery
MC - Making Charges
TnCs in next tweet
โ Tata Neu Doble Dip Offerโ
๐คQuad Dip on Electronics (Up to 28.75% returns)๐ค
1st Dip: Buy above 20k in one transaction & get 1000 NC
2nd Dip: 10% off up to โน2000 on electronics at Croma using HDFC cards
3rd Dip: Get additional 5% NC with HDFC Tata Neu Infinity Card (Apply