@spendwiselyx Avatar @spendwiselyx SpendWisely

SpendWisely posts on X about credit cards, if you, platinum, cards the most. They currently have [------] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.

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Social Influence

Social category influence finance 57% stocks 14% countries 9% technology brands 3% travel destinations 3% social networks 2% currencies 2% products 1% fashion brands 1%

Social topic influence credit cards #124, if you 15%, platinum #552, cards #1349, link 8%, travel #4767, the most 7%, gold 6%, $mar #39, india 6%

Top accounts mentioned or mentioned by @axisbank @pranaysuhasmund @cardoholic007 @evrypaisamatter @karanmohta @bigulchugh @inshivamdwivedi @dbdindia @myindusindbank @vsrinukdp @dealsdhamaka @imyadav31 @unstoppablegdv @manjeetjindal @milesmintin @rahulchhabrani @ajithvardan @sartanparayash @smruti89 @skh27

Top assets mentioned Marriott International Inc (MAR) Alphabet Inc Class A (GOOGL) TripAdvisor, Inc. (TRIP) HSBC Holdings PLC (HSBC)

Top Social Posts

Top posts by engagements in the last [--] hours

"Accor Explorer Membership (through Amex Reserve Credit Card) just landed in my inbox 🎉 Valid for [--] full year. 👉I had received Reserve Card on 1st February. 👉 Received almost full joining benefits of the Amex Reserve Credit Card: [-----] Membership Rewards points 💳 Accor Explorer Membership (1-year) 🏨 Taj Epicure membership awaited but should be credited soon ✨ And Eazydiners Prime - Didnt claim already have it for next [--] years 👉 I had changed the card to MRCC already visible in the app and the physical MRCC has been dispatched by American Express 📦 ✳ If anyone plans to apply for the Amex"
X Link 2026-02-04T14:21Z 20.3K followers, [----] engagements

"Guys the below post is not an advice to transfer to NPS to get reward points as a comment on the below post took it that way. Its a clarification that if someone wants to contribute to NPS T1 Amex cards are accepted. Contributing to NPS T1 is related to individuals personal choice and financial plan. Guys NPS (Tier-1) account DOES accept Amex credit cards for contributions 💳✅ Heres how it works 👇 👉 While making NPS contribution you get an option to choose the payment gateway 👉 Two gateways are available: BillDesk and RazorPay 👉 RazorPay ❌ does NOT accept Amex Guys NPS (Tier-1) account"
X Link 2026-02-06T07:12Z 20.3K followers, [----] engagements

"Guys Amex still refunding the Joining or Annual Fee on pro-rata basis instantly if you close or upgrade/downgrade any existing Amex card. 👉Yesterday I downgraded my Amex Platinum Travel Credit Card to Membership Rewards Credit Card (MRCC) and got Platinum Travel Cards fee refunded on pro-rata basis (check screenshot). So in my view any new user can apply Amex Reserve Credit Card and use it for sometime. He/she can continue to use it if finds its benefits suitable else can change the card to more suitable and lower fee cards like MRCC Platinum Travel or SmartEarn Card. As per current practice"
X Link 2026-02-06T09:51Z 20.3K followers, 22.8K engagements

"Struggling to get approval for the Scapia co-branded credit card one of the most popular FREE travel credit cards 🤔✈ Not anymore 🙌 Getting the Scapia co-branded credit card is now easier than ever. ✅ Scapia is now live with BOBCARD as well 👌 👉 If your application was rejected earlier due to eligibility issues dont worry reapply via BOBCard and enjoy this fantastic card 💳✨ 👉👉👉 Apply here: ✳ Scapia co-branded credit card Key Benefits 🌍 Zero Forex Markup Fee Save big on international spends 💸 🛫Airport Privileges - Domestic Flights 💳 Monthly Spend Benefit Spend [-----] cumulatively in a"
X Link 2026-02-06T14:51Z 20.3K followers, [----] engagements

"Marriott never fails to amaze with its impeccable service whether its at the property or on the app. 👌✨ Last year my Marriott Bonvoy account was compromised and points were fraudulently transferred out. I reported it & Marriott investigated. And without unnecessary back-and-forth every single point was restored. ✅ You can literally see it in my account history. This is the https://t.co/ibxg0NgjxH Last year my Marriott Bonvoy account was compromised and points were fraudulently transferred out. I reported it & Marriott investigated. And without unnecessary back-and-forth every single point"
X Link 2026-02-10T03:39Z 20.3K followers, [----] engagements

"Marriott charges for only [--] nights if you book [--] consecutive nights using points in one property. So effectively 5th night (lowest value night amongst all the nights) is free. This is there for many years Is it normal that Marriott gives one night free if we book for [--] consecutive days https://t.co/uH1t2JvoVK Is it normal that Marriott gives one night free if we book for [--] consecutive days https://t.co/uH1t2JvoVK"
X Link 2026-02-10T05:09Z 20.3K followers, [----] engagements

"RT @spendwiselyx: Free Amazon Prime Full Membership for 1-year is back with Jupiter Edge+ LIFETIME FREE RuPay Credit Card 🤩🤩 👉 Apply Jupit"
X Link 2026-02-13T13:49Z 20.3K followers, [--] engagements

"Yes Marriott gives enormous value of points on certain properties in certain seasons 💎🏨 But I really wonder 🤔 Do people really make their travel plans by seeing high redemption value of points OR Do people first decide destination 📍 ✈ Then plan the trip properly 🗺 And then check if suitable Marriott properties are available on points and book accordingly 👉I am definitely from the second category of Marriott Bonvoy users. How about you 🤔 Category [--] or Category [--] Mention in comments 👇 📘 Visit SpendWisely Blog: Detailed credit card reviews & guides 👉 Some links may be referral links in"
X Link 2026-02-13T14:39Z 20.3K followers, [----] engagements

"🔥Received Taj Epicure Membership also with Amex Reserve Credit Card valid for 1-year. 👉Earlier had received Accor ALL membership for 1-year 👉Both Accor ALL and Taj Epicure Memberships are auto-renewed every year till the time your Amex Reserve Credit Card is active. 🔥Amex Reserve Credit Card is the cheapest way to get Accor Explorer Membership. 👉Amex Reserve Credit Card Fee: Rs.11800 including GST 👉Joining Benefits: [-----] Amex points worth Rs.7500 or more (11000 points only if you dont apply using a referral link.) 👉Plus you get Accor Explorer Taj Epicure abd Eazydiner Prime"
X Link 2026-02-14T10:18Z 20.3K followers, 15.1K engagements

"Wow thats great way to skip those long immigration queues. the most impressive part is its validity i.e. upto [--] years or passport expiry 👌👌👌 How We Skipped The Long Queue And Cleared Our Airport Immigration In Under [--] SECONDS We went to Europe in December and we cleared immigration at Delhi Airport in seconds while everyone else was stuck in a huge queue How We had registered ourselves with FTI-TTP (Fast https://t.co/mUcymNYH8I How We Skipped The Long Queue And Cleared Our Airport Immigration In Under [--] SECONDS We went to Europe in December and we cleared immigration at Delhi Airport in"
X Link 2026-02-02T13:08Z 20.2K followers, [----] engagements

"People who compare cheaper loans vs higher-return investments should explore OD-based home loans 🏠💡 I took an OD home loan (SBI Maxgain) in Nov [----] for [--] years (till 2045). Even though OD loans come with 0.3% - 0.5% higher interest it was worth it for me due to the interest saved by parking surplus money. 👉 In OD Home Loan you can deposit extra money over and above your EMIs. 👉That extra money is considered as home-loan prepayment and your home loan interest is saved. 👉Extra money paid stays fully liquid You can withdraw it anytime via net-banking in less than [--] minutes. 👉 This is"
X Link 2026-02-04T09:12Z 20.3K followers, 14.3K engagements

"@cardoholic007 it does. I paid just [--] days back. Choose BillDesk payment gateway. RazorPay doesnt"
X Link 2026-02-06T04:21Z 20.2K followers, [--] engagements

"This means next year Accor Explorer renewal will not happen if Reserve card would be closed. But current membership will continue till expiry. I converted to MRCC almost 5-6 days back got renewal benefit of MRCC also. Accord Explorer membership is still active till [----] (full [--] year). https://twitter.com/i/web/status/2021106177946550694 https://twitter.com/i/web/status/2021106177946550694"
X Link 2026-02-10T06:17Z 20.2K followers, [--] engagements

"@EvryPaisaMatter I also 😊. [--] consecutive nights at one property is rare in my travel plans. And I think for most people. Thats why this offer is there"
X Link 2026-02-11T04:48Z 20.2K followers, [---] engagements

"@bigulchugh @INShivamDwivedi Deducted the points basis email itself and the booking was visible on Accor app"
X Link 2026-02-12T12:25Z 20.3K followers, [--] engagements

"@KaranMohta yes but Buy One Get One offer is not of much use for many as you mandatorily need to pay for the one night. You cannot use points. Most credit card users prefer Accor hotels to use points. If I have thousands of points why I would want to pay for any Accor night"
X Link 2026-02-14T12:33Z 20.3K followers, [---] engagements

"@KaranMohta 30% discount on food 15% on drinks and 10% on room rate + Silver status benefits (1 Free Alcoholic/Non-alcoholic drinks per person per stay worldwide during every stay. late checkouts welcome snacks or fruit baskets depending upon property room upgrade on availability)"
X Link 2026-02-14T16:26Z 20.3K followers, [--] engagements

"@dbdindia Reserve is only good for Accor membership for people who stay in minimum [--] nights in Accor in a year. Its saves a lot of money for them. Regular reward rate is not good. Points can be redeemed at Marriott at 1:1 Giftcards at 2:1 and credit card statement credit at 4:1"
X Link 2026-02-15T06:45Z 20.3K followers, [--] engagements

"Guys heres my detailed Vietnam trip itinerary ✈📍 👉 All flights & hotels booked using credit card points 😅💳 The itinerary is prepared using my favourite step-by-step approach 👇 🔹 Shortlisting destinations after deep research on YouTube travel videos 🔹 Creating the first-cut itinerary using ChatGPT 🤖 🔹 Fine-tuning it further using Google Maps TripAdvisor & travel blogs 🗺📖 Those who have already been to Vietnam please go through it and share your suggestions tips and anything practically useful 🙏✨ I promise to give back to this wonderful community with detailed first-hand practical"
X Link 2025-12-17T08:51Z 20.3K followers, 128.9K engagements

"💳 Best way to buy Amazon Pay Gift Cards right now 👉 Jupiter Edge+ Lifetime Free Credit Card 🚀 Heres exactly how Im maximising REAL cashback every month 👇 👉 I hold [--] Jupiter Edge+ cards one in my name & one in my wifes name 👨👩👦 👉 Every month I buy [-----] Amazon Pay Gift Cards from the Amazon app using both cards 👉 and I get Flat 10% REAL cashback = 1000/month 💰 👉 Zero convenience fee not even [--] extra charged 🙌 🎬 This Lifetime Free card is still offering FREE Jio Hotstar Membership for [--] Year as a joining benefit 🍿📺 ✳ Apply here: ✨ Key Benefits You Shouldnt Miss 🛒 Amazon Pay"
X Link 2026-02-01T08:58Z 20.3K followers, 20.5K engagements

"I tried Reserve to MRCC today. Here is the full story 👇 👉In [----] I had closed my Amex Gold Charge Card just [--] months after activation to apply for the Amex Platinum Charge Card. Amex refunded the Gold Charge Card joining fee on a pro-rata basis. 👉Fast forward to today. Ive experimentally tried Amex Reserve (had applied in my wifes name) MRCC upgrade. The Reserve Card was approved just last week and the fee hasnt been charged yet. Lets see how this plays out 🤞 (⚠ TRY AT YOUR OWN RISK) As of today Amex is allowing upgrade / downgrade from Reserve Card to MRCC ✅ and SmartEarn Credit Cards."
X Link 2026-02-02T15:57Z 20.3K followers, 36K engagements

"Cant agree more 👏 Wrong MCC is one of the biggest pain points in the credit card ecosystem 💳⚠ Because of incorrect merchant categorisation genuine & legitimate cashback and reward points get denied to customers despite doing everything right 😑 📌 In my view RBI should make it mandatory to display the Merchant Category & associated MCC on the OTP / PIN screen before the transaction is completed. 👉 This will bring transparency reduce disputes and ensure customers get the rewards they truly deserve 🎯 👉 It also keeps banks and merchants more accountable 🔍 A small change but a big win for"
X Link 2026-02-05T08:52Z 20.3K followers, [----] engagements

"Nowadays this has become a very common issue 👇 Many people get the instant discount on Apple purchases ❌🍎➡📱 but miss out on regular reward points / cashback because the transaction gets tagged under Telecom MCC at several Apple resellers. Ive come across multiple such posts on X recently. 👉 On high-value purchases many premium credit cards can actually give far higher rewards or cashback than these instant discounts 💳✨ ✅ Till the time this MCC issue is sorted (or may not sorted ever) the safest option in my view is to buy Apple products directly from Apple Indias official online store 🌐"
X Link 2026-02-06T03:50Z 20.3K followers, [----] engagements

"Guys NPS (Tier-1) account DOES accept Amex credit cards for contributions 💳✅ Heres how it works 👇 👉 While making NPS contribution you get an option to choose the payment gateway 👉 Two gateways are available: BillDesk and RazorPay 👉 RazorPay ❌ does NOT accept Amex cards 👉 BillDesk ✅ accepts Amex cards for NPS Tier-1 contributions 👉 All Amex cards count NPS Tier-1 spends towards joining benefits & milestone spend targets 🎯 👉 No regular reward points are earned on NPS contributions. However milestone bonuses are good enough reasons to use Amex for NPS. 📝 Important Note: ❌ NPS Tier-2"
X Link 2026-02-06T04:27Z 20.3K followers, 16.3K engagements

"For people who are claiming that Jupiters cashback is not real cashback or you need to have a Jupiter Bank Account here are the proofs to break these myths 👇 👉 When you shop on [--] partner brands (online or offline) including Amazon Pay gift cards from Amazon App you get [--] Jewels per [---] spend 💎 👉 You can redeem these Jewels as a REAL cashback in your credit card statement at a rate of [--] Jewels = [--] 💰 So effectively you get [--] cashback on every [---] spend 10% REAL cashback 👌👌👌 👉 See the proof of converting Jewels into real cashback 👇👇👇 ❌ No Jupiter Bank Account needed 👉 Apply"
X Link 2026-02-07T07:28Z 20.3K followers, 16.3K engagements

"RT @spendwiselyx: For people who are claiming that Jupiters cashback is not real cashback or you need to have a Jupiter Bank Account her"
X Link 2026-02-10T14:00Z 20.3K followers, [--] engagements

"Has anyone tried A-mex Reserve to MRCC change in last [--] days Did it work Mention in comments please 👇👇👇 Guys Amex still refunding the Joining or Annual Fee on pro-rata basis instantly if you close or upgrade/downgrade any existing Amex card. 👉Yesterday I downgraded my Amex Platinum Travel Credit Card to Membership Rewards Credit Card (MRCC) and got Platinum Travel Cards fee https://t.co/58eSkNMbwt Guys Amex still refunding the Joining or Annual Fee on pro-rata basis instantly if you close or upgrade/downgrade any existing Amex card. 👉Yesterday I downgraded my Amex Platinum Travel Credit"
X Link 2026-02-12T02:58Z 20.3K followers, [----] engagements

"All Accor users emailing the property is one of the most underutilised features. ✉ 👉 Ive used it many times in the past and it has worked very well. 👉 When you add kids to a booking some properties dont allow you to book it as max [--] people are allowed in the room. In such cases email the property and clearly mention that your child will share the same room / same bed most of the times they allow the booking over email. 👉 You can also email the property asking for the best available rate for your dates. Mention your Accor status / Explorer membership. Many times the rates shared over email"
X Link 2026-02-12T04:29Z 20.3K followers, 18.9K engagements

"Free Amazon Prime Full Membership for 1-year is back with Jupiter Edge+ LIFETIME FREE RuPay Credit Card 🤩🤩 👉 Apply Jupiter Edge Plus Lifetime Free Credit Card through the following link 🔗 (Use Referral Code: x9Xwnx after clicking the above Link) 🎁 Dont forget to use the exclusive referral code: x9Xwnx ✔ Get 1-year FREE Amazon Prime subscription ✔ Get Card One Assist Protection Subscription Service Free for 1-year ✨ Key Benefits You Shouldnt Miss 🛒 Amazon Pay Gift Cards from Amazon App 👉 10% REAL cashback 💰 ✔ No convenience fee ✔ Buy up to 5000/month per card at flat 10% 🛍 Need more"
X Link 2026-02-12T13:07Z 20.3K followers, [----] engagements

"Guys tomorrow is the Last day to get Amazon Prime subscription with Jupiter Edge+ Credit Card. Apply till 16th February 👇👇👇. 👉 Apply Jupiter Edge Plus Lifetime Free Credit Card through the following link 🔗 (Use Referral Code: x9Xwnx after clicking the above Link) 🎁 Dont forget to use the exclusive referral code: x9Xwnx ✔ Get 1-year FREE Amazon Prime subscription ✔ Get Card One Assist Protection Subscription Service Free for 1-year http://bit.ly/jupiteredgeplus Free Amazon Prime Full Membership for 1-year is back with Jupiter Edge+ LIFETIME FREE RuPay Credit Card 🤩🤩 👉 Apply Jupiter"
X Link 2026-02-15T16:41Z 20.3K followers, [----] engagements

"Transfer your MR points to Marriott Bonvoy to book hotels. I had Austria trip in [----]. I stayed in AC Hotel in Innsbruck and Shereton in Salzburg. Both are Marriott properties bookable using points and are at walking distance from their main train stations. In Vienna also you will get good Marriott properties with points. https://twitter.com/i/web/status/2023230788804989111 https://twitter.com/i/web/status/2023230788804989111"
X Link 2026-02-16T02:59Z 20.3K followers, [---] engagements

"🚨 The entire fiasco around the [-----] bonus points offer on the Avios Credit Card sets a VERY dangerous precedent by @MyIndusIndBank 🚨💳 👉 Historically & logically all limited-period joining offers are considered based on the date of application 🗓 Why Because thats the ONLY thing in an applicants control ✅ 👉 Once a credit card application is submitted 📄✍ The applicant has ZERO control over approval timelines ❌ The bank has 100% control over the approval date Delays can happen for any reason and banks arent obligated to explain 🤷♂🏦 👉 Now imagine this becoming a norm 😨 If"
X Link 2026-01-16T14:48Z 20K followers, 36K engagements

"Guys 👋 Free Jio Hotstar Membership for [--] Year 🎬📺 is back with the Lifetime Free Jupiter Edge+ Credit Card 💳 ✳ Apply here: ✨ Key Benefits You Shouldnt Miss: 👉 10% REAL cashback 💰 on Amazon Pay Gift Cards ✔ No convenience fee ✔ Buy up to 5000/month at flat 10% cashback 👉 Need more Amazon Pay balance 🛒 ✔ Buy additional 10000/month at 1.25% real cashback ✔ Still zero convenience fee 👉 [--] popular brands 🔥 offering 10% cashback perfect for regular spends 📌 Overall a solid no-fee card with genuine cashback + a 1-year Jio Hotstar membership absolutely free 🎉 👉 Go through the quoted post"
X Link 2026-01-17T06:48Z 20K followers, [----] engagements

"@smruti89 for 10% cashback upto Rs.500 per month you can buy Amazon Pay giftcard directly from Amazon using Jupiter card. For 1.5% cashback buy it from Jupiter store within Jupiter app. There are denominations upto 10k"
X Link 2026-01-18T04:47Z 20K followers, [--] engagements

"🚨 Another Unfair Credit Card Practice This is yet another example of how some credit card issuers dilute transparency and consumer trust 👎 💳 Amex Platinum Charge Card is advertising an attractive offer of [-----] worth of Air India vouchers along with [----] MR points✈ on new card approvals. But theres a catch hidden behind a tiny asterisk (*) 👀 ⚠ The offer is valid only for the first [---] customers. ❓The biggest problem There is no way for an applicant to know whether they are among those first [---] customers at the time of applying. 🔄 If you apply and later find out youre not in the first"
X Link 2026-01-18T04:59Z 20K followers, 24K engagements

"@EvryPaisaMatter @skh27 It was always like this. Thats why this benefit is not popular among Accor Explorer members. But you can still find few exceptions"
X Link 2026-01-18T09:57Z 20K followers, [---] engagements

"Guys DM me if anyone still interested Guys FREE [----] Accor Reward Points with Accor Explorer Membership is available only if you apply till this Friday (offer ending after 9th January 2026) 📩 Want this offer DM me your name & mobile number. I can refer you to my Accor Plus Explorer Membership executive https://t.co/4badgoe5KG Guys FREE [----] Accor Reward Points with Accor Explorer Membership is available only if you apply till this Friday (offer ending after 9th January 2026) 📩 Want this offer DM me your name & mobile number. I can refer you to my Accor Plus Explorer Membership executive"
X Link 2026-01-19T12:20Z 20K followers, [----] engagements

"Vietnam Visa: People have been DMing me asking how I applied for my Vietnam visa so sharing my experience 👇 👉 While I earlier used to apply visas on my own for my last two international trips UAE (Dubai) and Vietnam I used the Atlys App and the experience was super smooth. 👉 Applying a visa through Atlys is easily one of the most effortless ways Ive seen. 👉 I didnt have to type even a single letter ✍ I simply scanned my and my familys passports within the app and their AI-based system instantly fetched all the required details and filled the visa forms with 100% accuracy ⚡🤖 👉 I didnt"
X Link 2026-01-19T13:54Z 20K followers, 27.4K engagements

"@vipulgog you get free drinks 15% discount on room rate room upgrade late checkout early check in etc. But discount of food and free night is not applicable in Middle East"
X Link 2026-01-19T16:28Z 20K followers, [--] engagements

"Atlys has [---] star rating on ios after [----] reviews and [---] star rating on Android after 10k reviews. Which reviews are you taking about may be by some jealous visa agents. I applied UAE and Vietnam visas and my experience had been extremely good. Whatever I have mentioned in the above post is 100% true"
X Link 2026-01-20T02:53Z 20K followers, [--] engagements

"@sbansaloo7 I dont need to search. I had my own great experience with it and that also two times. Its impossible to get [---] rating on iOS with 9k reviewers if the app is not good. I believe on iOS ratings if thousands of users have rated an app rather than few random posts"
X Link 2026-01-20T03:19Z 20K followers, [--] engagements

"🔥 Bank of Baroda Scapia Credit Card LIFETIME FREE 💳🎉 Guys the Scapia Credit Card which was earlier available only via Federal Bank is now also available with Bank of Baroda (BOB Cards) 🙌 👉 Approval chances have literally doubled 👉 The Scapia system now auto-selects the best bank (Federal Bank or BOB) based on your profile to maximise approval chances ✅ ✳ Apply for the Scapia Credit Card 🔗 ✳ Why Scapia is an excellent LIFETIME FREE card 👇 👉 🌍 Zero Forex Markup on international spends with a good exchange rate 👉 🛍🍽 Free UNLIMITED airport shopping / dining / spa / lounge access 1000"
X Link 2026-01-21T14:45Z 20.1K followers, 10.9K engagements

"Yes Myntra Credit (Giftcards balance) is working on buying Gold Coins. 👇👇👇. It was stopped few days back. Myntra GV's are working on all GOLD sku's. I hope this is not temporary and is permanent but good chance to get rid of your vouchers if you're stuck with them https://t.co/1zK0YBm4Di Myntra GV's are working on all GOLD sku's. I hope this is not temporary and is permanent but good chance to get rid of your vouchers if you're stuck with them https://t.co/1zK0YBm4Di"
X Link 2026-01-23T08:42Z 20.1K followers, [----] engagements

"RT @spendwiselyx: Guys RuPay JCB credit cards are back with another lucrative offer for travellers ✈💳 This time its Japan 🎉 Get fl"
X Link 2026-01-23T12:33Z 20.1K followers, [--] engagements

"Not sure how you had this kind of experience. I booked flight on iShop multiple times but convenience charges were nirmal. See this screenshot. For two flights (return flight) just Rs.640 convenience fee. In fact iShop flight prices are lower than HDFC Smartbuy and HSBC Hooper. https://twitter.com/i/web/status/2014726913668108298 https://twitter.com/i/web/status/2014726913668108298"
X Link 2026-01-23T15:48Z 20K followers, [---] engagements

"@OMLM10 Its a joke/sarcasm. No one is adding points to protect against rupee depreciation. Its return on my spend. Regarding usage already saved Rs.5 Lacs+ using Accor points and a lot in pipeline"
X Link 2026-01-24T07:19Z 20K followers, [--] engagements

"To everyone asking in DM whether Bank of Baroda (BOB) issues more than one credit card to a single customer 🤔👇 Yes it does ✅ BOB allows up to [--] credit cards per customer 🙌 So if youre already a Bank of Baroda credit card holder you can still apply for the BOB Scapia Credit Card 💳✨ 👉 Want to apply for the Scapia Credit Card (LTF) Apply through following Link: 👉Scapias credit card application system automatically chooses the most appropriate card issuer bank (Bank of Baroda or Federal Bank) for you basis your profile. 🔥 Both Bank of Baroda and Federal Banks Scapia Credit Cards are"
X Link 2026-01-24T11:03Z 20.1K followers, [----] engagements

"@vishal6695 I have a lot of plans for Accor even if its value decreases. So no worries for me"
X Link 2026-01-24T18:15Z 20.1K followers, [--] engagements

"BOB issues additional credit cards if you have their existing core credit cards. But they dont issue additional core card if your existing card is a cobranded card like Onecard. Additional credit card comes with shared limit with your existing card. Read full t&c here https://online.bobcard.co.in/DigitalCardRequest.aspxutm_source=RuPayDigitalAD&utm_medium=PrintAD&utm_campaign=RuPayDigitalCardAD#::text=1validate%20your%20request%20through%20OTP"
X Link 2026-01-24T18:32Z 20.1K followers, [--] engagements

"BOB issues additional credit cards if you have their existing core credit cards. But they dont issue additional core card if your existing card is a cobranded card like Onecard. Additional credit card comes with shared limit with your existing card. Read full t&c here https://online.bobcard.co.in/DigitalCardRequest.aspxutm_source=RuPayDigitalAD&utm_medium=PrintAD&utm_campaign=RuPayDigitalCardAD#::text=1validate%20your%20request%20through%20OTP"
X Link 2026-01-24T18:32Z 20.1K followers, [--] engagements

"@tarundhawan02 Charge Cards like Gold and Platinum Charge card not eligible for upgrade. Onky credit cards are eligible"
X Link 2026-01-25T08:01Z 20.1K followers, [--] engagements

"@vivekmalpani123 Accor points practically never expire. You do any one transaction in your Accor balance - either use any Accor point or add any new Accor point the validity of entire Accor balance increases by [--] year. So extremely easy to increase validity of Accor points"
X Link 2026-01-25T13:16Z 20.1K followers, [---] engagements

"@_abhi_aggarwal Charge card cannot he upgraded to a credit card"
X Link 2026-01-26T13:02Z 20.1K followers, [---] engagements

"RT @spendwiselyx: Guys it is now possible for new-to-Amex customers to get the American Express Platinum Travel Credit Card 💳✈ ✅✅✅ And i"
X Link 2026-01-27T14:45Z 20.1K followers, [--] engagements

"RT @spendwiselyx: Guys Amex still refunding the Joining or Annual Fee on pro-rata basis instantly if you close or upgrade/downgrade any ex"
X Link 2026-02-08T08:28Z 20.3K followers, [--] engagements

"Flipkart Big Billion Day Sale [----] Discount using Marriott Bonvoy Points: Guys you can now link your Marriott Bonvoy Account with your Flipkart Account and convert your Marriott points into Flipkart Super Coins at [--] Marriott Points = [--] Flipkart Coin (and vice versa) Now how Flipkart Coins be useful 🤔❓ 👉On Flipkart more during sale you will see many products wherein you get extra Rs.1000 to Rs.2000 discount just by redeeming 100-200 Flipkart Coins. If you dont have enough coins just convert Marriott Points to Flipkart Coins instantly to get the higher discount. 👉Upto 5% of the payment for"
X Link 2025-09-10T14:33Z 20.1K followers, [---] engagements

"Biggest Revelation about Airport Privileges of Scapia Credit Card 🚨 Guys to fulfil the [-----] spend criteria for free Airport Shopping/Dining/Spa/Lounges NOTHING is excluded 🥳🥳🥳 👉 You can swipe your Scapia Credit Card literally anywhere fuel rent payment government spends gift cards wallet loads education fees utilities gold purchases or any other category (except EMI). Every type of spend counts towards the [-----] criteria for unlocking unlimited free shopping / dining / spa / lounge access at domestic airports in India. (Rs.1000 per departure at Mumbai Delhi Kolkata Chennai Bengaluru"
X Link 2025-11-17T14:36Z 20.1K followers, 57.5K engagements

"Guys RuPay JCB credit cards are back with another lucrative offer for travellers ✈💳 This time its Japan 🎉 Get flat 10% REAL cashback 💴 JPY [-----] (5800) in Cashback 💳 On spends of JPY [------] (58000) 📅 Valid from 1st February to 30th April [----] 👉 Bank of Baroda Eterna Credit Card is a RuPay JCB card and is currently available LIFETIME FREE if applied till 31st March [----] 🔗 Apply here: 👉 🌏 Make sure to choose the RuPay (JCB) variant of the BOB Eterna Credit Card 💡 JCB cards frequently come with attractive cashback offers in Japan & South-East Asia 🌐 One of the rare credit cards with"
X Link 2026-01-22T13:59Z 20.1K followers, [----] engagements

"🚨 Massive Devaluation Alert 🤦♂ ICICI Bank has killed the most valued benefit of the ICICI Emeralde Metal Private Credit Card 💳💔 👉 No more 6x Reward Points (18% valueback) on Amazon Pay Gift Cards ❌ 👉 Swiggy Gift Cards also now earn ZERO rewards / cashback 🤦♂🤦♂🤦♂now 👉 On Amazon Shopping Vouchers & Flipkart a 4.13% convenience fee was recently introduced 💸 ⚠ Double devaluation in less than [--] days 📉 A year that started on a high note with the IndusInd Avios offer ✈ is suddenly turning into a full-blown devaluation spree 😔 📘 Visit SpendWisely Blog: Detailed credit card reviews &"
X Link 2026-01-22T17:02Z 20.1K followers, 24.8K engagements

"Banks on devaluation spree 🥵 🚨 Massive Devaluation Alert 🤦♂ ICICI Bank has killed the most valued benefit of the ICICI Emeralde Metal Private Credit Card 💳💔 👉 No more 6x Reward Points (18% valueback) on Amazon Pay Gift Cards ❌ 👉 Swiggy Gift Cards also now earn ZERO rewards / cashback 🤦♂🤦♂🤦♂now 👉 https://t.co/r0DKfEmdSx 🚨 Massive Devaluation Alert 🤦♂ ICICI Bank has killed the most valued benefit of the ICICI Emeralde Metal Private Credit Card 💳💔 👉 No more 6x Reward Points (18% valueback) on Amazon Pay Gift Cards ❌ 👉 Swiggy Gift Cards also now earn ZERO rewards / cashback"
X Link 2026-01-23T03:45Z 20.1K followers, [----] engagements

"RT @spendwiselyx: 🔥 Bank of Baroda Scapia Credit Card LIFETIME FREE 💳🎉 Guys the Scapia Credit Card which was earlier available only v"
X Link 2026-01-23T14:30Z 20.1K followers, [--] engagements

"When they advise to hedge against rupee depreciation 📉 I just keep adding Accor points using my credit cards 😇💳 Nothing fancy. Just small comforts for future stays 🏨🙂 📊 Todays rate: 👉 [--] Accor Point = [----] When I earned my first Accor point 👉 [--] Accor Point = [----] 📘 Visit SpendWisely Blog: Detailed credit card reviews & guides 👉 Some links may be referral links in the above post. It supports the page without any cost to you. #creditcard #spendwisely #creditcards https://spendwisely.in If this happens in a year of de-dollarization I shudder to think what might happen when the dollar"
X Link 2026-01-24T06:30Z 20.2K followers, 15.5K engagements

"Ever wondered why perfectly eligible credit card applications still get stuck for no logical reason 🤯 Software glitch Faulty system logic Some mysterious internal policy Gid knows 🤷♂ In such situations sadly customer care and branch teams are equally helpless 😐 After a lot of back and forth I finally managed to apply an Add-on Atlas Card for my wife 🎉 👉 What shouldve taken [--] minutes (when add-on applications started [--] months ago) ended up taking much longer Heres the roller-coaster 🎢👇 First attempt ❌ rejected due to internal policy 🙄 Raised the issue on X 📣 after some time it got"
X Link 2026-01-25T04:44Z 20.1K followers, [----] engagements

"Wow this is a brilliant find 😍🔥 Now it is possible for new-to-Amex customers to get the American Express Platinum Travel Credit Card 💳✈ Heres how 👇 👉 Amex Platinum Travel Credit Card is easily one of the most rewarding cards in Amexs India lineup 💎 👉 Unfortunately Amex has stopped direct issuance of the Platinum Travel Card in India ❌. Existing users can continue with it. 👉 Currently the only Amex credit card available for new customers is the Amex Reserve Credit Card But theres a smart workaround 😎👇 ✅ The Workaround (Step-by-step) 👉 Apply for Amex Reserve Credit Card 👉 You can"
X Link 2026-01-25T05:39Z 20.2K followers, [----] engagements

"I realise that many people dont know how validity and expiry of Accor points balance works 🤔 Heres the simple truth 👇 ✨ Accor points practically never expire You just need one activity in your Accor account: 👉 Earn even [--] new point or 👉 Redeem even [--] existing point 📅 The moment you do that the validity of your entire Accor points balance gets extended by [--] full year yes the entire balance 😌 💡 Example: I earned [--] Accor points on 6th January [----] 📈 ➡ As a result the validity of my complete Accor points balance now extends till 6th January [----] 🗓 ✅ Super easy ✅ No pressure to redeem"
X Link 2026-01-25T13:29Z 20.2K followers, 12.9K engagements

"Guys it is now possible for new-to-Amex customers to get the American Express Platinum Travel Credit Card 💳✈ Heres how 👇 👉 Amex Platinum Travel Credit Card is easily one of the most rewarding cards in Amexs India lineup 💎 👉 Unfortunately Amex has stopped direct issuance of the Platinum Travel Card in India ❌. Existing users can continue with it. 👉 Currently the only Amex credit card available for new customers is the Amex Reserve Credit Card But theres a smart workaround 😎👇 ✅ The Workaround (Step-by-step) 👉 Apply for Amex Reserve Credit Card 👉 You can Apply using my referral link:"
X Link 2026-01-26T05:33Z 20.2K followers, [----] engagements

"Guys it is now possible for new-to-Amex customers to get the American Express Platinum Travel Credit Card 💳✈ ✅✅✅ And if you want one additional Platinum Travel Credit Card for one more Rs.4 Lacs milestone benefit you can upgrade your existing MRCC or Reserve card to get you Second Platinum Travel Credit Card 😱😱😱 Heres how 👇 👉 Amex Platinum Travel Credit Card is easily one of the most rewarding cards in Amexs India lineup 💎 👉 Unfortunately Amex has stopped direct issuance of the Platinum Travel Card in India ❌. Existing users can continue with it. 👉 Currently the only Amex credit card"
X Link 2026-01-26T05:40Z 20.2K followers, 15.2K engagements

"There are two options 👉Close Reserve without making any transactions and before fee is levied. So no cost. 👉Or use Reserve for 1st year. You get 11k points as welcome benefit + 5k points as Referral benefit = Total 16k points. And Accor Explorer lite membership Taj Epicure Lite EazyDiner Price etc. Not a bad deal in my view https://twitter.com/i/web/status/2015665388248506531 https://twitter.com/i/web/status/2015665388248506531"
X Link 2026-01-26T05:57Z 20.1K followers, [---] engagements

"To all ICICI Emeralde Metal Credit Card users who have completed [--] year with the card and spent Rs.10 Lacs or more in the first year 👇👇👇 Was your renewal fee reversed as you had spent Rs.10 Lacs in the first year of your EPM Credit Card Mention in comments 👇👇👇"
X Link 2026-01-27T03:29Z 20.2K followers, 17.8K engagements

"@EvryPaisaMatter are you wearing Rayban Meta glasses got through Scapia"
X Link 2026-01-27T05:13Z 20.2K followers, [----] engagements

"🚨 Big Changes in Scapia Credit Card 📅 Effective 27th February [----] 👇 ✈ Now get International Airport Privileges 👌 👉Get [----] worth FREE Shopping / Dining / Spa / Lounge Access on international departures from India when you: ✔ Book your international flight via the Scapia App ✔ Pay using Scapia Credit Card ✔ Minimum booking value: [-----] in a single transaction 🔹 Airport privilege will be available on the date of departure ✅✅✅ 🏬 For Domestic Airport Privileges Now spend [-----] cumulatively in a monthly statement cycle using your: 💳 Scapia Visa Card + Scapia RuPay Card (RuPay card comes"
X Link 2026-01-27T09:36Z 20.1K followers, [----] engagements

"@ShashankVa13431 use this link https://americanexpress.com/en-in/referral/platinum-reserveref=dHAWASu3OZ&XL=MIANS https://americanexpress.com/en-in/referral/platinum-reserveref=dHAWASu3OZ&XL=MIANS"
X Link 2026-01-27T11:23Z 20.1K followers, [--] engagements

"SpendWisely on X just crossed [-----] followers 🎉🥹 Feeling truly humbled 🙏 A heartfelt thank you to each one of you for the constant support encouragement and trust throughout this journey ❤ A special thanks to @dhawal_shah one of the earliest subscribers of SpendWisely on YouTube and now a dear friend 🤝 for motivating me to join X. That decision turned out to be incredibly fruitful 🚀 X has been my biggest source of learning about credit cards over the last few years 💳📚 Honestly Ive learned far more here than what Ive shared through insightful threads real-life experiences and meaningful"
X Link 2026-01-27T12:59Z 20.1K followers, [----] engagements

"With Axis Bank you cant assume its done until its actually done 🙄😞🤦♀ Ever wondered why perfectly eligible credit card applications still get stuck for no logical reason 🤯 Software glitch Faulty system logic Some mysterious internal policy Gid knows 🤷♂ In such situations sadly customer care and branch teams are equally helpless 😐 https://t.co/bgA2mtC1eH Ever wondered why perfectly eligible credit card applications still get stuck for no logical reason 🤯 Software glitch Faulty system logic Some mysterious internal policy Gid knows 🤷♂ In such situations sadly customer care and branch"
X Link 2026-01-28T03:00Z 20.2K followers, [----] engagements

"@Cardhacks4rme @BusyBeeWealth yeah dont go my terminology. The truth is they are exchanging Reserve card with Platinum Travel"
X Link 2026-01-28T06:30Z 20.1K followers, [--] engagements

"@Manan2412 upgrade to Platinum Travel card through this link: https://www.americanexpress.com/en-in/account/loginDestPage=https%3A%2F%2Fwww.americanexpress.com%2Fen-in%2Fcredit-cards%2Fapply%2Fupgrade%2Fpersonal%2Fplatinum-travel%2F https://www.americanexpress.com/en-in/account/loginDestPage=https%3A%2F%2Fwww.americanexpress.com%2Fen-in%2Fcredit-cards%2Fapply%2Fupgrade%2Fpersonal%2Fplatinum-travel%2F"
X Link 2026-01-30T05:44Z 20.2K followers, [--] engagements

"🚨 Important Update for Amex Applicants 🚨 Guys the Amex Platinum Reserve ➡ Amex Platinum Travel upgrade/downgrade route has now been patched and is no longer working ❌ 👉 If you want the Amex Platinum Reserve Credit Card apply only if you genuinely want this card. 👉 If your plan was to apply for Reserve just to later move to Platinum Travel avoid it now ⚠ 💳 When does Amex Platinum Reserve still make sense 👉 If you stay at Accor Hotels at least [--] nights a year this card is still excellent value 👌 💰 Fees & Welcome Benefits 👉 Joining & Renewal Fee: [-----] (including GST) 👉 Welcome"
X Link 2026-01-31T05:53Z 20.2K followers, [----] engagements

"@vsrinukdp @DealsDhamaka @savesage_club I visited in March last week and Bangkok was very bad hot and humid. We couldnt enjoy anything there in that weather. Unbearable. But Krabi and Phuket were pleasant. Bangkok is good between October to March beginning or Feb end"
X Link 2026-01-31T14:41Z 20.2K followers, [--] engagements

"@imYadav31 And completely agree that the property is just to slow down and breathe. We spent one entire days just in the property. Early morning beach walk breakfast long sessions at pool beach canoeing 🛶 lunch with those free welcome drinks cocktails at the pool bar 👌👌👌"
X Link 2026-02-01T07:47Z 20.2K followers, [---] engagements

"@imYadav31 Here is the welcome drinks menu. [--] Free drink per person per stay for Accor Silver status or above. That time there was flat 50% discount on Food in Accors Asia Pacific properties 👇. Now its 30%"
X Link 2026-02-01T07:52Z 20.2K followers, [---] engagements

"Amazon ICICi is great card and is very stable for years. There is no limit on cashback with that card. But cashback comes only in Amazon Pay balance. Jupiter card can be taken as an extra card as it gives 10% cashback on many brands not just Amazon but with a limit of Rs.1500 per month (500 per brand). https://twitter.com/i/web/status/2017917167875027070 https://twitter.com/i/web/status/2017917167875027070"
X Link 2026-02-01T11:05Z 20.2K followers, [---] engagements

"@Ravithakkar0071 CSB Bank me account nahi chahiye. Mera aur meri wife ka koi account nahi he CSB Bank ya Jupiter app ke through fir bhi approve hua easily. Online hi apply kiya Thats it. Share revised video"
X Link 2026-02-01T14:42Z 20.2K followers, [---] engagements

"@vsrinukdp @DealsDhamaka Its base less allegation. It has nothing to do with any particular link. Many people got approval of both Jupiter and Scapia cards through my links. The issue is with both the issuing banks. Even people who applied these cards through other ways got rejections at the same rate"
X Link 2026-02-01T14:45Z 20.2K followers, [---] engagements

"@UnstoppableGDV why are you buying on Jupiter app. Buy Apay giftcard on Amazon App as Amazon is part of [--] brands for 10% cashback"
X Link 2026-02-02T10:29Z 20.2K followers, [--] engagements

"@UnstoppableGDV why are you buying on Jupiter app. Buy Apay giftcard on Amazon App as Amazon is part of [--] brands for 10% cashback. Use Jupiter card number like any other credit card on payment page on Amazon"
X Link 2026-02-02T10:30Z 20.2K followers, [--] engagements

"@amit_i_am Amazon Pay and Amazon Shopping vouchers. I invested 30k in my NPS T1 retirement account as market was down"
X Link 2026-02-02T16:27Z 20.2K followers, [---] engagements

"@Dr_DilipKamat You should receive it soon 👍"
X Link 2026-02-03T08:30Z 20.2K followers, [--] engagements

"PIN and SIM pairing are understandable. But bank account update is not mandatory to activate and use a credit card. No other credit card issuer mandates to update bank account. In fact I have a credit card from BOBCARD also and I am using it without updating bank account details. Because of this additional step many genuine referrals are missed. I really appreciate that you removed [----] coins claim requirement and I also posted that on my handle so people know about your positive steps. I am using Scapia credit card for last many months and love the card your overall eco system app experience"
X Link 2026-02-04T02:51Z 20.2K followers, [--] engagements

"I recently noticed that @AxisBank Atlas Card is not giving any Edgemiles on Netflix subscription auto payments. Are you guys also facing the same Couldnt figure out under which category this transactions are excluded for rewards"
X Link 2026-02-04T03:23Z 20.2K followers, 12.3K engagements

"@manjeetJindal @AxisBank yes Atlas gives Edgemiles on Rs.100 and its multiple. [--] EM per Rs.100 = [--] Airmiles/Hotel points pwr Rs.100. Thats why Atlas is the best"
X Link 2026-02-04T03:36Z 20.2K followers, [---] engagements

"@kapil_arora_1 @AxisBank Utilities are excluded for rewards on Atlas card"
X Link 2026-02-04T03:36Z 20.2K followers, [---] engagements

"@chakris64 @manjeetJindal @AxisBank Atlas gives edgemiles on Rs.100 and multiple"
X Link 2026-02-04T04:23Z 20.2K followers, [--] engagements

"@kashishchadha18 @AxisBank Please dont write without checking. Users get [--] Edgemiles per Rs.100 spend on Atlas even now in current month. There is no change at all"
X Link 2026-02-04T07:23Z 20.2K followers, [--] engagements

"@the_radiohead did it after settling of transaction. It was done next day of transaction and also received points"
X Link 2026-02-04T14:40Z 20.2K followers, [---] engagements

"I thought it was very obvious. All flat redemption flight bookings such as SmartBuy iShop or even Scapia coins are all revenue bookings. The credit card points work as real currencies on these portals. So airlines give you airmiles on all those flights. As long as you are not using airmiles to book a flight you get airmiles on them. I am getting miles on my Smartbuy bookings since [----]. Most people dont know this points game👇 You can earn airline miles even when you burn card points to book the ticket. Heres how it works: Platforms like SmartBuy / iShop let you book flights using points from"
X Link 2026-02-05T12:01Z 20.2K followers, [----] engagements

"@cardoholic007 https://www.americanexpress.com/en-in/account/loginDestPage=https%3A%2F%2Fwww.americanexpress.com%2Fen-in%2Fcredit-cards%2Fapply%2Fupgrade%2Fpersonal%2Fmembership-rewards https://www.americanexpress.com/en-in/account/loginDestPage=https%3A%2F%2Fwww.americanexpress.com%2Fen-in%2Fcredit-cards%2Fapply%2Fupgrade%2Fpersonal%2Fmembership-rewards"
X Link 2026-02-06T05:14Z 20.2K followers, [--] engagements

"@Mithil1995 Its not an advice to transfer to NPS to get reward points. Its a clarification that if someone wants to contribute to NPS T1 Amex cards are accepted. Rest is related to individuals personal choice and financial plan not my forte"
X Link 2026-02-06T07:10Z 20.2K followers, [---] engagements

"@Divyangkp007 use the above link and its done. Card already visible in the app. They call is change not downgrade"
X Link 2026-02-06T10:48Z 20.2K followers, [---] engagements

"@Master_Mohan https://www.americanexpress.com/en-in/credit-cards/apply/upgrade/personal/smart-earn https://www.americanexpress.com/en-in/credit-cards/apply/upgrade/personal/smart-earn"
X Link 2026-02-06T13:09Z 20.2K followers, [---] engagements

"2026 is a year wherein we are seeing that credit card issuers are backtracking from devaluation 👌👌👌. Not sure if its the magic of social media or something else ICICI EPM Revalued 👌👌👌 👉 Amazon Shopping Vouchers are back on ICICI Banks iShop portal with 6x reward points 🎉 So 18% rewards are back for EPM users 🤩🤩🤩 👉 Amazon Fresh Gift Cards which disappeared for a couple of days (probably went out of stock) are also back with 6x reward points 🛒✨ 👉 18% rewards for EPM users again 💥 👉 Amazon Pay Gift Cards are still not there 😕 Hope they come back as well 🤞 But whatever they do"
X Link 2026-02-07T15:52Z 20.2K followers, [----] engagements

Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing