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@think_in_points "Crossed 1L lifetime Edge Miles recently with my Axis Atlas Card about XXX years since I got it (April 2024). ✈ Easily one of the best value-for-money cards Ive picked up. Already maxed out 2025s Group A capping on Jan X this year 😅 and sitting on enough miles to hit the 2026 cap the moment it resets. Might need to bring in another card for Accor transfers looking seriously at the HSBC TravelOne now 👀"
X Link @think_in_points 2025-10-11T07:27Z 1054 followers, 10.6K engagements

"EPF and NPS (employer-linked) auto-deduct every month forcing you to save first and spend whats left. Its built on trust that the government will return your money when you need it. I personally invest in both and that too a good amount per month. However I feel that trusts fading fast - with several stories of claim rejections random rule changes endless processes forced annuity lock-ins etc"
X Link @think_in_points 2025-10-16T17:13Z 1054 followers, 3163 engagements

"Ive applied for Schengen Visas multiple times and got all of them delivered within X working days Ive cracked a process that works for the salaried class. I have even built a detailed checklist + cover letter template. It helped my colleagues and I want to help others. 🧵"
X Link @think_in_points 2025-10-09T16:31Z 1054 followers, 76.4K engagements

"One thing every credit card geek should remember is that not every swipe is worth it. 💳 Once you get deep into the rewards game its easy to develop this mindset of everything must go on a credit card. Its great for rewards but sometimes the cheapest options dont even accept cards. Example - Wedding shopping from Chandni Chowk in Delhi will still be far cheaper than buying from a showroom/e-commerce even after factoring in 10-15% reward value from your card. Same logic for daily cab rides. If your daily XX Uber Auto ride now costs XXX because you switched to a cab just to swipe your card"
X Link @think_in_points 2025-10-13T13:08Z 1054 followers, 12.9K engagements

"Finally signed up for Topcash I discovered it rewards X% cashback on Accor Bookings only after I had already done all my bookings (non-refundable) for my recent Europe Trip. Anyway keeping it handy for next time. You can check it out here -"
X Link @think_in_points 2025-10-16T03:45Z 1054 followers, 6966 engagements

"Dhanteras arrived early this year. ✨ Got this 1g Kalyan Gold Coin using the Swiggy HDFC Credit Card from Swiggy Instamart 💰 Price: 13853 💳 After XX% cashback: 12467 🏷 Current market price: 13292 Sweet deal overall Thanks to @GoldDealsIndia & @ccg33k for the tip 🙌"
X Link @think_in_points 2025-10-17T04:36Z 1055 followers, 9713 engagements

"A really good comparison chart prepared by @PaisaPrinciple on the popular cashback cards in the market Simple and visually appealing to read"
X Link @think_in_points 2025-10-15T02:40Z 1007 followers, 1058 engagements

"Just tested @CRED_club's new credit card milestone tracking feature and heres what I noticed 👇 Its showing a spend-waiver milestone for my Swiggy HDFC Card which I actually hold as LTF. So clearly they dont have that context. Then on my Axis Atlas the spends shown on CRED differ by over 1L compared to what the Axis app shows. Same with EPM Ive spent far more than what CRED is tracking. There are also untagged spends which basically means CRED is tagging each transaction applying its own logic for exclusions and ignoring what it cant classify. 🚨This confirms what I initially thought. The"
X Link @think_in_points 2025-10-15T06:33Z 1054 followers, 17.4K engagements

"Looks like HSBC underestimated how much traffic this new Rewards portal + Atlas Discontinuation + TravelOne buzz would bring Ever since they revamped the HSBC Rewards portal and started actively marketing their cards demand has increased but their backend support clearly hasnt kept pace. Im an existing HSBC Visa Platinum holder and tried applying for the TravelOne Card online. Midway through the process (step 3) I got a message saying: Seems like youre an existing customer our support team will contact you in X days. No call for X days until I contacted their support to request a callback."
X Link @think_in_points 2025-10-11T11:13Z 1055 followers, 9952 engagements

"Over a week since I'm trying to upgrade my HSBC Visa Platinum to TravelOne. After 4+ calls to customer care the pattern is this - Customer care says We cant process it were not the sales team. Then they promise a priority callback that never actually happens. Tried applying online too it detects Im an existing customer and stops midway with Well call you. That call never comes either. Honestly how difficult can it be for @HSBC_IN to issue a credit card to someone who already has one with their bank with all KYC and details verified Anyone else stuck in the same loop 💳"
X Link @think_in_points 2025-10-15T14:03Z 1055 followers, 1712 engagements

"On the HSBC spend-based offer if someone is able to spend 80L in X months purely on eligible transactions (since rent real estate wallet load insurance etc. are excluded) theyre already in a financial bracket where the iPhone or the benefits worth 7L are hardly meaningful. 😆"
X Link @think_in_points 2025-10-18T09:20Z 1055 followers, 1562 engagements

"Flew with Etihad again recently. Their economy class feels like the premium economy of most airlines. Spacious & comfortable seats solid legroom quality infotainment screens proper pillows blankets earplugs and an eye mask"
X Link @think_in_points 2025-10-08T02:34Z 1024 followers, XXX engagements

"My quick hack to know if a souvenir shop is overpriced while travelling - Check the price of fridge magnets or keychains first which are usually displayed outside the shop. 🧲🔑 I did this in Paris. If the Eiffel Tower keychain costs more than X the rest of the shops prices will be sky-high too. No need to even step in after that"
X Link @think_in_points 2025-10-13T09:44Z 1029 followers, 1445 engagements

"A key aspect of travel is safety and theres something Ive observed thats worth sharing. When you take a cab abroad and sit in the back seat the car beeps if you dont wear your seatbelt. In India the same cars from global brands like Toyota Honda or Kia stay silent. No alerts or beeps. There is already a rule with a fine of 1000 for not wearing a seat belt and yet it isn't enforced. Almost no one wears a seatbelt in the back in India thinking its unnecessary. But weve already seen how deadly that assumption can be. Cyrus Mistry the former chairman of Tata Sons reportedly wasnt wearing one when"
X Link @think_in_points 2025-10-15T15:02Z 1024 followers, XXX engagements

"@i_doc_mahi That's what I've been warned about from the elder folks in my family 😆"
X Link @think_in_points 2025-10-17T16:08Z 1041 followers, XXX engagements

"Yeah Ive noticed it too Swiggy and Zomato deliveries are taking longer these days. Now they show a longer ETA say XX minutes deliver in XX minutes and proudly flash an On Time badge on the order"
X Link @think_in_points 2025-10-12T18:43Z 1048 followers, 1824 engagements

"Thanks @EvryPaisaMatter Ji for doing this PoC and recording the user experience of redeeming HPCL vouchers at petrol pumps. 🙌 Heres how I see it - Pros ➡18% RP back via EPM on iShop for fuel. Huge win no card comes close to this level of return on fuel spends. ➡Helps increase total spends on EPM which can support milestone benefits and annual fee waivers. Cons ➡The GV code has to be manually entered by the petrol pump staff so youll likely need to park and step out of your car and wait a bit. Slower process overall ➡Youll have to plan refuels in multiples of XXX to fully use the vouchers"
X Link @think_in_points 2025-10-14T19:13Z 1049 followers, 3090 engagements

"There was a time when lounge access actually felt premium. Now even lounges have their own hierarchies. Most seasoned travellers dont prefer the general lounges anymore. Theyre crowded noisy and have lost that old charm with deteriorating quality. People now aim for the premium lounges such as the Amex Centurion Air India Biz Class or other priority-access lounges basically the lounges above the lounge. And then there are some who skip lounges altogether and prefer sitting at those overpriced airport cafs or bars instead which some might see as the real flex Which category are you in when you"
X Link @think_in_points 2025-10-16T14:47Z 1048 followers, XXX engagements

"As kids we collected Tazos. As adults we collect credit cards"
X Link @think_in_points 2025-10-14T12:35Z 1054 followers, 2601 engagements

"I actually ordered a gold coin this morning and the app clearly showed XX% cashback using the Swiggy HDFC Card during checkout. There was no banner about gold/silver being excluded so I went ahead and placed the order. A few hours later the app got updated the cashback message disappeared and suddenly there was a new banner excluding gold/silver. 😐 Honestly this isnt cool. @Swiggy @SwiggyCares cant just change T&Cs without notice especially when customers make purchases based on whats shown in-app. Lets see if I still get the cashback when my statement generates but this definitely needs"
X Link @think_in_points 2025-10-17T16:36Z 1053 followers, 1062 engagements

"Finally went ahead and got the Scapia Credit Card which has been the talk of the #CCGeek town for some time. Thanks to @CreditCruze for the referral The process was super smooth and since I already had a Federal Bank account no KYC was needed. Got the virtual card activated instantly. The main reason I got it was that till now I used a combination of Niyo DCB (debit-based forex spends) and credit cards like Atlas & EPM for forex spends. Niyo DCB works great but its still a debit card which requires money to be pre-loaded. Even though Scapias forex spending doesnt earn rewards I prefer having"
X Link @think_in_points 2025-10-17T05:50Z 1055 followers, 2487 engagements

"Grateful to cross 1000 followers on Think In Points 🙏 Started this page in late August with one simple goal i.e. to make money credit cards travel hacks and rewards easy to understand. 💳💡 The idea has always been to build a community of people who think alike. Those who love optimizing aren't just limited to credit cards but almost everything in life. 😉 Also a special thanks to @EvryPaisaMatter @ccg33k @gautam888 @akshat_money @imYadav31 @suritalreja @Kenu73 @ankitdewan @prashantnhn @SavingsSimpl @prashantnhn @ravihanda @DealDigger_ @PaisaPrinciple @drgrudge. Took a lot of inspiration"
X Link @think_in_points 2025-10-17T12:57Z 1055 followers, 3585 engagements

"Scapia's unboxing experience is seriously top-notch especially for a Lifetime Free card. 💳✨ The app experience is one of the smoothest Ive seen in the fintech space If youre looking for a zero-forex card with a slick UI and great travel rewards heres my referral link: You get 1000 Scapia Coins on activation (redeemable for travel) and if lucks on my side I might just end up with those AirPods Pro X 😆🎧"
X Link @think_in_points 2025-10-18T12:34Z 1055 followers, XXX engagements

"@imYadav31 Classic dark UI/UX patterns 😆 Not allowing customers to cancel but selling a subscription is too explicit and out there"
X Link @think_in_points 2025-10-18T17:54Z 1049 followers, XX engagements