#  @CardNiti CardNiti CardNiti posts on X about if you, $hsbc, $uber, credit cards the most. They currently have [------] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours. ### Engagements: [------] [#](/creator/twitter::1948369460278231040/interactions)  - [--] Week [-------] +21% - [--] Month [---------] -42% - [--] Months [---------] +1,427% ### Mentions: [--] [#](/creator/twitter::1948369460278231040/posts_active)  - [--] Week [--] +37% - [--] Month [---] -11% - [--] Months [---] +688% ### Followers: [------] [#](/creator/twitter::1948369460278231040/followers)  - [--] Week [-----] +0.39% - [--] Month [-----] +15% - [--] Months [-----] +481% ### CreatorRank: [-------] [#](/creator/twitter::1948369460278231040/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) [stocks](/list/stocks) [technology brands](/list/technology-brands) [currencies](/list/currencies) [countries](/list/countries) [celebrities](/list/celebrities) [products](/list/products) [social networks](/list/social-networks) [travel destinations](/list/travel-destinations) [gaming](/list/gaming) **Social topic influence** [if you](/topic/if-you), [$hsbc](/topic/$hsbc), [$uber](/topic/$uber), [credit cards](/topic/credit-cards), [money](/topic/money), [$mar](/topic/$mar), [insurance](/topic/insurance), [investment](/topic/investment), [iphone](/topic/iphone), [gold](/topic/gold) **Top assets mentioned** [HSBC Holdings PLC (HSBC)](/topic/$hsbc) [Uber Technologies, Inc. (UBER)](/topic/$uber) [Marriott International Inc (MAR)](/topic/$mar) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Microsoft Corp. (MSFT)](/topic/microsoft) [Flex Ltd. Ordinary Shares (FLEX)](/topic/$flex) [Nokia Corporation (NOK)](/topic/$nok) ### Top Social Posts Top posts by engagements in the last [--] hours "💳 Paying Amex CC bills Heres how I get 5% back (1500/month) no card rewards just smart payment ⚡ 🔹 I pay via Fi UPI 🔹 On Prime Plan 30K spend = 50K Fi Coins (3% back) 🔹 As a Fi Credit Card holder each coin = [----] [----] value = 5% effective return 🧾 Limits: 1.5K Coins/Txn 5K Coins/Day 50K Coins/Month ⚠ Note: From [--] Aug [----] Fi Coins change [---] Fi Coins = [--] becomes [--] Fi Points = [--] Redemption logic remains just the unit changes Whats your go-to way to pay Amex CC bills and earn 👇 @bethalaluka @ccg33k @creditkeeda @AmazingCreditC #CardNiti #CreditCardHacks #ccgeek #SmartPayments" [X Link](https://x.com/CardNiti/status/1948721913993592900) 2025-07-25T12:28Z [---] followers, [----] engagements "💳 Make Credit Card Bill Payments Rewarding 💰 Why pay bills plain when you can earn back on them Heres how I stack rewards using DCs/UPI 👇 For Amex Bills 🔹 Fi UPI (Prime) 5% back (1500 max) on 30k/month For Other CCs 🔸 Kotak [---] Super DC 5% (500 cap) via @Savesage_club on 10k 🔸 Axis Liberty Account 1.25% (750 cap) per quarter on 60k 🔸 IDFC First Tap DC (Base) 0.33% on first 50k 1.67% on next 1.10L via Zavo (Select/Wealth/Pvt account = 0.52.5%) 🔸 HDFC Platinum DC 1% (750 cap) on 75k via HDFC BillPay 🧾 That's a minimum 1% back on 3L+ monthly CC bills Still missing out on juicy 5% cards" [X Link](https://x.com/CardNiti/status/1948801365662466447) 2025-07-25T17:43Z [---] followers, 38.2K engagements "@Abeygeorge14 Hey For which credit card you tried It don't work for hdfc kotak & amex CC" [X Link](https://x.com/CardNiti/status/1948971860076757110) 2025-07-26T05:01Z [---] followers, [----] engagements "@Pratik_7746 @Abeygeorge14 Steps to follow - NetBanking BillPay Credit Card Payments Enable smartpay using your HDFC Plat DC Got cashback till July [--] some payments are scheduled in couple of days will share if still works" [X Link](https://x.com/CardNiti/status/1949027259089572143) 2025-07-26T08:41Z [---] followers, [--] engagements "@DeepamRathod1 Steps to follow - NetBanking BillPay Credit Card Payments Enable smartpay using your HDFC Plat DC Got cashback till July [--] some payments are scheduled in couple of days will share if still works" [X Link](https://x.com/CardNiti/status/1949027400366387241) 2025-07-26T08:41Z [---] followers, [---] engagements "@advaita_batika Yes go ahead" [X Link](https://x.com/CardNiti/status/1949035349386137912) 2025-07-26T09:13Z [---] followers, [---] engagements "@Unplugged_kk https://x.com/CardNiti/status/1949158341042704755t=1K9MulDjKdRZYiLbVfGcGg&s=19 All thanks to credit card exclusive redemption offers - [--]. Bill reduction of [---] by burning 25k Fi coins once a month https://t.co/mhtfMWM1sj https://x.com/CardNiti/status/1949158341042704755t=1K9MulDjKdRZYiLbVfGcGg&s=19 All thanks to credit card exclusive redemption offers - [--]. Bill reduction of [---] by burning 25k Fi coins once a month https://t.co/mhtfMWM1sj" [X Link](https://x.com/CardNiti/status/1949178161771810868) 2025-07-26T18:41Z [---] followers, [---] engagements "@Unplugged_kk Yes you're right If you have Fi Prime along with Fi CC then you can get effective redemption of 5% upto [----] pm for all UPI P2M payments I prefer using this for Amex Bill Payment" [X Link](https://x.com/CardNiti/status/1949352403070836884) 2025-07-27T06:13Z [---] followers, [--] engagements "🏦 Bank of Baroda Super Savings 🔹 Min Bal: AMB 20K 🔹 Annual Fee: [---] 🏦 Bank of Maharashtra BSS-25 🔹 Min Bal: AQB 25K 🔹 Annual Fee: [--] https://tinyurl.com/BoMRupayDC https://tinyurl.com/BobRupayDC https://tinyurl.com/BoMRupayDC https://tinyurl.com/BobRupayDC" [X Link](https://x.com/CardNiti/status/1949477772046266527) 2025-07-27T14:31Z [----] followers, [----] engagements "💡 Open a basic account opt for RuPay Select Debit Card & enjoy premium lifestyle perks without paying big. 📌 Save this. 🔔 Follow @CardNiti for hacks that banks wont tell you. 🔁 RT & tag someone still missing out #CardNiti #CardNitiRupaySelectDC #ccgeeks" [X Link](https://x.com/CardNiti/status/1949477831806730741) 2025-07-27T14:31Z [----] followers, [----] engagements "@imYadav31 @cards_wizard @AmazingCreditC @ccg33k Here you go - https://www.idfcfirstbank.com/credit-card/indigo-credit-card https://www.idfcfirstbank.com/credit-card/indigo-credit-card" [X Link](https://x.com/CardNiti/status/1950167670650814618) 2025-07-29T12:12Z [---] followers, [---] engagements "IDFC IndiGo Credit Card Applications Now Live You can now apply for the IndiGo IDFC First Credit Card directly from the official link below 👇 🎯 Stay tuned as we break down the features soon. #CardNiti #IDFCFIRST #IndiGoCard #CreditCardsIndia http://idfcfirstbank.com/credit-card/indigo-credit-card http://idfcfirstbank.com/credit-card/indigo-credit-card" [X Link](https://x.com/CardNiti/status/1950169748572164500) 2025-07-29T12:21Z [---] followers, [--] engagements "@iamabdulkadirl @suritalreja I switched to Axis Atlas post [--] lac wbu" [X Link](https://x.com/CardNiti/status/1950457428136636897) 2025-07-30T07:24Z [---] followers, [--] engagements "Lets clear this up first Sure iShop & HDFC Smartbuy can fetch 1018% returns with premium cards. But theyre not for everyone limited access caps and availability. So lets talk about gift card platforms you can actually use with SBI CB Atlas Plat Travel & more" [X Link](https://x.com/CardNiti/status/1950883196624658683) 2025-07-31T11:36Z [---] followers, [----] engagements "Heres what well cover: [--]. Magicpin [--]. Magnify [--]. CRED [--]. Maximize Money [--]. Amazon Plus a few bonus platforms for selective use cases: Parkplus Deazly Times Prime HDFC Smartbuy Lets break down eachbased on rewards recommended cards and payment gateway behaviour" [X Link](https://x.com/CardNiti/status/1950883200676356331) 2025-07-31T11:36Z [---] followers, [----] engagements "2. Magnify Great user interface with quick checkout. Convenient for frequent users autoselect your last used payment method and often less OTPs. Most GC have instant discount some have only cashback in form of fairly valued magpoints & easy redemption" [X Link](https://x.com/CardNiti/status/1950883214446203066) 2025-07-31T11:36Z [---] followers, [----] engagements "Popular GCs: Myntra Domino's PVR Amazon Ideal for: Amex MRCC / Gold (milestone spends) Amex Plat Travel SBI Cashback Axis Atlas Payment Gateway (MCC) Mapping: ✅ Magnify Club 7311" [X Link](https://x.com/CardNiti/status/1950883219139690847) 2025-07-31T11:36Z [---] followers, [----] engagements "3. Cred Recently entered the gift card space. Currently doesnt charge any convenience fee. Limitations: Can only buy one GC per transaction which can be inconvenient for bulk buyers" [X Link](https://x.com/CardNiti/status/1950883223686225924) 2025-07-31T11:36Z [---] followers, [----] engagements "Best GCs: Amazon Myntra Uber Works with: SBI Cashback and Axis Atlas Payment Gateway (MCC) Mapping: ✅ DREAMPLUG [----] ❌ cred 5947" [X Link](https://x.com/CardNiti/status/1950883227750592878) 2025-07-31T11:36Z [---] followers, [----] engagements "4. Maximize Money One of the most powerful platforms for buying gift cards especially if you care about PG mapping and stacking rewards smartly. Multiple payment gateways most of them are CC-friendly" [X Link](https://x.com/CardNiti/status/1950883232448229457) 2025-07-31T11:36Z [---] followers, [----] engagements "Top GCs: Amazon Cleartrip Hotels Myntra Best with: SBI Cashback Axis Atlas Amex MRCC (milestone) & Amex Plat Travel Payment Gateway Mapping (MCC): ✅ maximize [----] (Razorpay) ❌ Maximizemo - [----] (Easebuzz) Multiple PGs now Razorpay works still DYOR" [X Link](https://x.com/CardNiti/status/1950883237141655982) 2025-07-31T11:36Z [---] followers, [----] engagements "5. Amazon Best when you don't have rewarding credit cards or want to use UPI. Amazon often runs UPI cashback promotions. Suggested GCs: Amazon (obviously) Google Play CB offer specific Gift Cards" [X Link](https://x.com/CardNiti/status/1950883247073738885) 2025-07-31T11:36Z [---] followers, [----] engagements "Works with: SBI Cashback Swiggy Hdfc Axis Atlas Amazonpay ICICI Payment Gateway (MCC) Mapping: ✅ www amazon in [----] ✅ Amazon Pay India Privatet [----] ✅ amazon in [----] ❌ Amazon Gift Card [----] ❌ Amazon Pay India Pvt Ltd" [X Link](https://x.com/CardNiti/status/1950883251720999407) 2025-07-31T11:36Z [---] followers, [----] engagements "Platforms for Selective Usecase Parkplus Useful for GC purchases through gamified sections like Spin & Win Mystery Rewards Pick a Prize. Suggested GCs: Bigbasket Zomato Uber at 10% off Works via UPI only recently removed CC Payment Gateway" [X Link](https://x.com/CardNiti/status/1950883256468963541) 2025-07-31T11:36Z [---] followers, [----] engagements "Deazly Not very mainstream but useful. Has a decent GC collection and a rewards-friendly PG. Payment Gateway (MCC) Mapping: ✅ Deazly [----] Times Prime Occasional GC offers and brand-linked discounts. Not consistent but worth checking if youre a member" [X Link](https://x.com/CardNiti/status/1950883260453577086) 2025-07-31T11:36Z [---] followers, [----] engagements "Bonus: MCCs generally used by GC Platforms - ✅ [----] Discount Stores ✅ [----] Misc. Food Stores ✅ [----] Advertising Services ✅ [----] Misc. Apparel ❌ [----] Gift Cards (Avoid Often excluded) MCC = Merchant Category Code (used by banks to classify transactions)" [X Link](https://x.com/CardNiti/status/1950883269525885180) 2025-07-31T11:36Z [---] followers, [----] engagements "TL;DR Prioritize premium card portals if you have access unmatched reward rates. Else use platforms based on brand availability payment gateway and your credit card. Platforms like Magicpin Maximize Magnify and Amazon can still yield solid returns with smart pairings" [X Link](https://x.com/CardNiti/status/1950883282654028252) 2025-07-31T11:36Z [---] followers, [----] engagements "@yuvkul YES & NO all depends on MCC Mapping of payment gateway you get for checkout: ✅5499 [----] will fetch CB (DREAMPLUG MAGICPIN) ❌Avoid [----] it is excluded. (cred www magicpin in)" [X Link](https://x.com/CardNiti/status/1951103489884483798) 2025-08-01T02:11Z [---] followers, [---] engagements "Insurance is for protection Investment is for growth Mixing both ruins the purpose. Here is why 👇🏻 ULIPs Look Smart -Until You Run the Numbers They promise life cover + investment in one plan. But what if I told you Youre better off keeping them separate with Term Insurance + Mutual Funds Lets break it down with real numbers real logic and a 30-year plan 👇 🧵 ULIPs Look Smart -Until You Run the Numbers They promise life cover + investment in one plan. But what if I told you Youre better off keeping them separate with Term Insurance + Mutual Funds Lets break it down with real numbers real" [X Link](https://x.com/CardNiti/status/1951343942525444295) 2025-08-01T18:07Z [---] followers, [---] engagements "@vipin1202 Depends on which GC you're going for Amazon Pay now has a convenience fee of 1.5% + GST. Amex Gold Card still has some juice left on GyFTR thanks to the 5x MR multiplier. More details here : https://x.com/CardNiti/status/1949144228942237901t=aLEctKodmO9Xz6CknDv78A&s=19 🧵 Maximizing Amex Milestone Benefits Post Convenience Fee Hike 💡 Should you still use GyFTR for milestones Here's how it impacts milestone planning across Amex MRCC Gold Charge & Plat Travel. 💳👇🏻 I ran the numbers comparing: Buying via Amex GyFTR (with fees) Vs. Other https://t.co/4Vy6DeD6Df" [X Link](https://x.com/CardNiti/status/1951511698101182508) 2025-08-02T05:13Z [---] followers, [--] engagements "Stacked enough Gold from credit card hacks but confused whats next Don't know where to sell How to sell Heres a calm clear way to book profits no price prediction games needed. Welcome to #GoldDeal101 🧵👇" [X Link](https://x.com/CardNiti/status/1951744717122650429) 2025-08-02T20:39Z [---] followers, 33.5K engagements "For a long time weve all loved credit card hacks that let us stack gold at a discount But once your investment appetite is full a new question arises: Where do I sell now How do I trade this gold for profit Thats where this post kicks in" [X Link](https://x.com/CardNiti/status/1951744719983100013) 2025-08-02T20:39Z [---] followers, [----] engagements "This isn't just another "how to buy gold" thread. We're diving into: ✅ A simple trading strategy that works ✅ Trusted brands for gold buyback ✅ Buyback deductions & settlement time ✅ Real-world testing experience ✅ Taxation impact & precautions" [X Link](https://x.com/CardNiti/status/1951744724596875374) 2025-08-02T20:39Z [---] followers, [----] engagements "🪙 Buying Gold Is Easy Thanks to Credit Card Hacks & @GoldDealsIndia You've already mastered the art of stacking gold at a discount with Amazon Myntra Ajio and other platforms. But after a point you're done with investing. No matter how good the deal you hesitate" [X Link](https://x.com/CardNiti/status/1951744729386774859) 2025-08-02T20:39Z [---] followers, [----] engagements "Overall Process Time [--] minutes NEFT Settlement: Credited in [--] working days 💬 Verdict: Decent experience. Slightly more deduction than Joyalukkas but faster and less hassle" [X Link](https://x.com/CardNiti/status/1951744774861434971) 2025-08-02T20:39Z [---] followers, [----] engagements "3. Kalyan Jewellers: Preferred One Buyback Rate: 98% of declared gold rate Testing: No packet opening No melting Just basic verification" [X Link](https://x.com/CardNiti/status/1951744779206688819) 2025-08-02T20:39Z [---] followers, [----] engagements "Keep invoice names consistent to avoid rejection (especially at Joyalukkas). Buyback policies are brand-specific: Kalyan and Tanishq accept only their own coins for buyback. Other brand coins Only exchange No buyback. Avoid local jewellers unless you know them personally" [X Link](https://x.com/CardNiti/status/1951744792930500676) 2025-08-02T20:39Z [---] followers, [----] engagements "💸 Taxation Angle Profits on physical gold trades (capital gains) are taxable: Held [--] years Short-term capital gains Taxed at your slab Held [--] years Long-term capital gains 20% with indexation" [X Link](https://x.com/CardNiti/status/1951744797938520124) 2025-08-02T20:39Z [---] followers, [----] engagements "For frequent gold trading maintain clear records of all transactions. Since everything is digital and linked to your PAN its important to report these trades accurately in your ITR regardless of the amount involved" [X Link](https://x.com/CardNiti/status/1951744802891956281) 2025-08-02T20:39Z [---] followers, [----] engagements "📌 Disclaimer & Warning This thread is for educational purposes only. Please consult your CA or financial advisor before acting on any gold trading or selling strategy. Gold may feel safe but even smart plays carry risk" [X Link](https://x.com/CardNiti/status/1951744808168329320) 2025-08-02T20:39Z [---] followers, [----] engagements "Imagine selling all your gold then using credit card tricks to buy new gold online using gift cards. Suddenly the store cancels your order or stops allowing gift cards for gold. Now your money is stuck in vouchers and you dont have any gold either" [X Link](https://x.com/CardNiti/status/1951744816867356849) 2025-08-02T20:40Z [---] followers, [----] engagements "@Kenu73 Interesting What was the claim amount Also any experience of IPD claim" [X Link](https://x.com/CardNiti/status/1952293980852646168) 2025-08-04T09:02Z [---] followers, [----] engagements "💳 HDFC Spend-Based Offers Dont Miss Free Rewards HDFC Bank frequently rolls out spend-based offers for its Credit Cards but most users either miss activating them or forget to claim the rewards later. Don't forget to follow @CardNiti" [X Link](https://x.com/CardNiti/status/1952370054286180406) 2025-08-04T14:04Z [---] followers, [----] engagements "Bonus tip: search 🎁 in mailbox to see if you have any unclaimed offer. Don't forget to follow: @CardNiti 🔁 Bookmark this post and never miss another free reward from HDFC #CardNiti #ccgeek #ccgeeks Have you ever used or missed out on one of these👇" [X Link](https://x.com/CardNiti/status/1952370483971928541) 2025-08-04T14:06Z [---] followers, [---] engagements "Bonus Tip: If you have availed a major offer on your credit card consider postponing the closure until the benefit is actually received. Some redemptions require active card verification others dont. I closed one of my cards last month and just today got the voucher luckily this one didnt require card verification" [X Link](https://x.com/CardNiti/status/1952381260032065684) 2025-08-04T14:49Z [---] followers, [---] engagements "Rupay Select Debit Cards: Lounge OTT Spa Gym all for [--] Well thats the cost to your bank not you. But of course it comes with catches. Turns out its all part of a quiet game behind the scenes & the real numbers might surprise you. A Finance-Engg breakdown 🧵👇🏻" [X Link](https://x.com/CardNiti/status/1952664289925321180) 2025-08-05T09:33Z [---] followers, 27K engagements "@DARSHAN_2612 Online possible that's why I have added links 😅" [X Link](https://x.com/CardNiti/status/1952800603555377593) 2025-08-05T18:35Z [---] followers, [--] engagements "@Ja5090 Steps to follow - NetBanking BillPay Credit Card Payments Enable smartpay using your HDFC Plat DC For immediate updates: https://whatsapp.com/channel/0029VbBGrb7CRs1vgETD4H0g https://whatsapp.com/channel/0029VbBGrb7CRs1vgETD4H0g" [X Link](https://x.com/CardNiti/status/1952929787552403631) 2025-08-06T03:08Z [---] followers, [--] engagements "@pointperkspicks You can prepay using billdesk axis website I have url but I will recommend to google "axis credit card bill pay" then go-to billdesk do a small test billpay & see worked for me last month" [X Link](https://x.com/CardNiti/status/1952979896495685802) 2025-08-06T06:27Z [---] followers, [---] engagements "Input Tax Credit (ITC): Salaried: No scope for ITC. Personal expenses stay personal. Consultant: Can claim GST as ITC on laptops phones rent (if office used) subscriptions etc. Big cost optimization opportunity" [X Link](https://x.com/CardNiti/status/1953092927405592795) 2025-08-06T13:56Z [---] followers, [---] engagements "Perception & Access: Salaried: 24L ITR have better chance for premium credit cards term loans home loans etc. Banks love the stability. Consultant: Needs to show higher profit for similar perception. But flexible structure allows control over whats shown" [X Link](https://x.com/CardNiti/status/1953092931662807524) 2025-08-06T13:56Z [---] followers, [---] engagements "The most underrated reason to buy a health insurance policy Getting treatment at Agreed Network Hospital (ANH) rates. A semi-private AC room may cost [----] if you pay in cash But the same room costs just [----] if covered by insurance" [X Link](https://x.com/CardNiti/status/1953880413518409750) 2025-08-08T18:06Z [---] followers, [---] engagements "Business class tickets on points = great value Illusion: Burn all your points on luxury redemptions it's value per point game. Reality: Value is subjective. If you would not pay for business class with cash you are just inflating perceived savings. Maximizing utility Maximizing notional value. To judge real returns I prefer a fair value in the price at which I would be willing to acquire or encash more points" [X Link](https://x.com/CardNiti/status/1954030919615922218) 2025-08-09T04:04Z [---] followers, [---] engagements "@anjukkumar Yes & validity of coins is also less" [X Link](https://x.com/CardNiti/status/1954108633299476629) 2025-08-09T09:12Z [---] followers, [--] engagements "Asked Will the moratorium clause help too Replied Absolutely hope policy is [--] years old. Corrected Its now [--] years as per recent changes Reviewed everything & drafted a reconsideration letter citing relevant clauses my rights as a consumer & applicable legal sections" [X Link](https://x.com/CardNiti/status/1954242763920118184) 2025-08-09T18:05Z [---] followers, [---] engagements "Day [--] [--] AM Sent the letter to insurance grievance and support teams. (Until this point the hospital hadnt submitted claim details to the insurer.) Day [--] [--] PM Hospital uploaded claim details. Claim [--] Amount: 2x Within [--] hour received initial approval for 1x" [X Link](https://x.com/CardNiti/status/1954242769343693100) 2025-08-09T18:05Z [---] followers, [--] engagements "To this day It is unsure if the letter worked like magic but how could a company deny 0.5x two days ago and now approve 1x without any queries Eventually the situation worsened but the company did no harm. They settled the claim for 7x (entire sum insured exhausted)" [X Link](https://x.com/CardNiti/status/1954242775492317379) 2025-08-09T18:06Z [---] followers, [--] engagements "Hospital sent along with the diagnosis & supporting documents. Within [--] hour the claim was approved. Initial approval of 1x received. Dont have proof the letter did any magic but if it wasnt that then what else could be reason for back to back approvals" [X Link](https://x.com/CardNiti/status/1954242806442299646) 2025-08-09T18:06Z [---] followers, [--] engagements "Cant emphasize enough how relieving such approvals are during emergencies. Recommendations: Buy health insurance early when you're fit and healthy. This allows you to complete the moratorium period without complications. Invest time in understanding policy wordings & applicable terms and conditions. Always pay attention to detail and act smart. If advisor support is available good; if not dont delay sometimes quick action matters a lot. When you show that you know all the clauses understand your rights and are ready to fight companies if theyre at fault usually prefer not to escalate the" [X Link](https://x.com/CardNiti/status/1954242810976059535) 2025-08-09T18:06Z [---] followers, [---] engagements "@NIKHILLJHA Hey Nikhil [--]. Do companies handle claims differently before and after the moratorium period [--]. If Claim A exhausts the sum insured and restoration kicks in and I make Claim B for a different ailment can I still claim post-hospital expenses related to Claim A under Claim B" [X Link](https://x.com/CardNiti/status/1954378277377790316) 2025-08-10T03:04Z [---] followers, [--] engagements "Check your old CRED account if its been idle for a while you might get ✅ [---] cashback. ✅ BigBasket [---] GV @ 70% off ✅ Myntra [----] GV @ 2% off + 3% CB ✅ Ensure the merchant name is DREAMPLUG for an extra 5% CB with SBI CB card or use Atlas" [X Link](https://x.com/CardNiti/status/1954415184291770789) 2025-08-10T05:31Z [---] followers, [----] engagements "Financial literacy = Immunity from bad decisions Illusion: I know the risks so I wont mess up. Reality: Behavioral traps (FOMO overconfidence anchoring) catch even the smartest. Process and discipline beat pure knowledge" [X Link](https://x.com/CardNiti/status/1954740186828689629) 2025-08-11T03:02Z [----] followers, [---] engagements "@FinPaal @kishorefinance True check reddit as well. But the best hacks They come from self-experimentation the kind that never goes mainstream nobody talks about and still works quietly in the background" [X Link](https://x.com/CardNiti/status/1954774427696041992) 2025-08-11T05:18Z [---] followers, [----] engagements "@RakshitSomani @man1sh_golcha @credofly Absolutely 💯 Illusion: You should always aim to be debt-free All debt are bad. Reality: Strategic use of low-cost debt (like home loans) & business loans can help you grow wealth if used responsibly. The goal is smart leverage not total avoidance if you know how to manage" [X Link](https://x.com/CardNiti/status/1954797512901918944) 2025-08-11T06:50Z [----] followers, [---] engagements "Multi-dip opportunities any day Instant discounts + CC rewards + interest-free credit + rewards on bill pay. Recently had an unfortunate emergency with prolonged hospitalization. Sum insured got exhausted & had to make 10L+ payments. Swiped [--] Amex PT then Axis Atlas peace of mind knowing bills are due after [--] to [--] days and rewards rolling in on top" [X Link](https://x.com/CardNiti/status/1954819443596345511) 2025-08-11T08:17Z [----] followers, [---] engagements "Air India Points Chart 25% Off Sale ✈ 📅 Booking: [--] Aug [--] Aug [----] 📅 Travel: [--] Aug [--] Sep [----] Kudos to @ccg33k for the data" [X Link](https://x.com/CardNiti/status/1955173235881836573) 2025-08-12T07:43Z [----] followers, 14.9K engagements "Game on free of cost 🎾 New to Hudle Sign up & book your first Pickleball or Padel game FREE (worth up to 825) with your Visa Credit Card. ✅ Use code: VISAHUDLE 📅 Valid till Sept [--] [----] 💳 Visa Credit Card only 📲 Download: Ref Code: UECP37R https://hudle.page.link/C5gKBua6BonewVNc8 https://hudle.page.link/C5gKBua6BonewVNc8" [X Link](https://x.com/CardNiti/status/1955312955584622718) 2025-08-12T16:58Z [---] followers, [--] engagements "Game on free of cost 🎾 New to Hudle Sign up & book your first Pickleball or Padel game FREE (worth up to 825) with your Visa Credit Card. ✅ Use code: VISAHUDLE 📅 Valid till Sept [--] [----] 💳 Visa Credit Card only 📲 Download: Ref Code: UECP37R https://hudle.page.link/C5gKBua6BonewVNc8 https://hudle.page.link/C5gKBua6BonewVNc8" [X Link](https://x.com/CardNiti/status/1955313136421986338) 2025-08-12T16:59Z [---] followers, [---] engagements "@creditkeeda I prefer something like fair value in terms value at which I am willing to acquire/encash points. For Marriott it's [---] & for Accor it's [---] (could vary person to person). Couldnt agree more 💯 with the last part" [X Link](https://x.com/CardNiti/status/1955320170014023746) 2025-08-12T17:27Z [---] followers, [---] engagements "@creditkeeda Bro I totally got your point For me axis atlas returns for base spends are 2x2x1.4 5.6% reason for the same is I can encash points at that value anyday :) Like to underestimate & swipe freely" [X Link](https://x.com/CardNiti/status/1955322311256473946) 2025-08-12T17:35Z [---] followers, [---] engagements "What is your annual spend on credit cards #not4ccgeeks Upto 2L 2L to 5L More than 8L 5L to 8L Upto 2L 2L to 5L More than 8L 5L to 8L" [X Link](https://x.com/CardNiti/status/1955791754969710922) 2025-08-14T00:41Z [----] followers, [---] engagements "How many paid credit cards would you prefer to hold to optimise rewards & unlock perks None - Only LTF [--] to [--] paid cards [--] or more [--] to [--] paid cards None - Only LTF [--] to [--] paid cards [--] or more [--] to [--] paid cards" [X Link](https://x.com/CardNiti/status/1955791759579209968) 2025-08-14T00:41Z [----] followers, [---] engagements "Whats your preferred type of credit card rewards Cashback Flights & Hotels Mix of both Cashback Flights & Hotels Mix of both" [X Link](https://x.com/CardNiti/status/1955791767368032369) 2025-08-14T00:41Z [----] followers, [---] engagements "PhonePe SBI Select Black The Most Exciting PhonePe CC Forget the other [--] PhonePe cards this is the one worth your attention. Heres why it might even replace SBI Cashback despite a lower cashback cap" [X Link](https://x.com/CardNiti/status/1956060387331178698) 2025-08-14T18:28Z [----] followers, 25.8K engagements "How to Apply: Still seeing Coming Soon on PhonePe for SBI CCs Skip the wait apply directly through official issuer links 🔹 SBI PhonePe Select (Black) 🔗 💡 Tip: You can choose Visa or RuPay during application This is official SBI Sprint link. http://sbicard.com/sprint/PhonepeSelect http://sbicard.com/sprint/PhonepeSelect" [X Link](https://x.com/CardNiti/status/1956060454960193732) 2025-08-14T18:28Z [----] followers, [----] engagements "If this review helped you see why the SBI PhonePe Select Black stands out: ❤ Like 🔁 Retweet 🔖 Bookmark for reference Follow @CardNiti for in-depth credit card breakdowns & smart spend strategies 💳✨ #ccgeeks #CardNiti #ccgeek" [X Link](https://x.com/CardNiti/status/1956060459938803969) 2025-08-14T18:28Z [----] followers, [----] engagements "@FinPaal @SartanparaYash Its basically a checkout loophole. Similar to the old Amazon days when credit card No Cost EMI wasnt common Bajaj No Cost EMI was the mainstream option and only a few products were eligible. But if you knew the workaround you could get anything on No Cost EMI through it" [X Link](https://x.com/CardNiti/status/1956314059290108359) 2025-08-15T11:16Z [----] followers, [---] engagements "The simplest credit card play Cashback Card Gift Cards Covers nearly every spend even utilities pays real cash back zero mental math. In this new cashback era Only [--] cards truly stand out with high reward caps 🧵👇🏻" [X Link](https://x.com/CardNiti/status/1956412209048814015) 2025-08-15T17:46Z [----] followers, 35.9K engagements "Cashback Card Gift Card Plays (Some Regular Deals) MMT Hotel GC @ 14% off + 5% CC cashback via Magicpin Dominos GC @ 16% off + 5% CC cashback via Magnify Amazon Pay GC @ 0.4% off + 5% CC cashback via Cred (for utilities)" [X Link](https://x.com/CardNiti/status/1956412268893135056) 2025-08-15T17:46Z [----] followers, [----] engagements "Limited-time deals on CRED (low value high discount frequent): Flipkart GC @ 6% off Uber/Zomato GC @ 10% off Myntra GC @ 2% off + 3% CB Yatra GC @ 90% off Zepto GC @ 8% off Extra 5% CB on all with a cashback card" [X Link](https://x.com/CardNiti/status/1956412274488279261) 2025-08-15T17:46Z [----] followers, [----] engagements "@DealsDhamaka That's so good to hear sir I always thought you are into finance any hints 🤔" [X Link](https://x.com/CardNiti/status/1956431150815031701) 2025-08-15T19:01Z [----] followers, [---] engagements "@oshoodev Yep no point in keeping axis ace if you have Sbi Cashback. https://x.com/CardNiti/status/1956412268893135056t=K0rN21pdQ3FGz0bBfzDfJg&s=19 Cashback Card Gift Card Plays (Some Regular Deals) MMT Hotel GC @ 14% off + 5% CC cashback via Magicpin Dominos GC @ 16% off + 5% CC cashback via Magnify Amazon Pay GC @ 0.4% off + 5% CC cashback via Cred (for utilities) https://x.com/CardNiti/status/1956412268893135056t=K0rN21pdQ3FGz0bBfzDfJg&s=19 Cashback Card Gift Card Plays (Some Regular Deals) MMT Hotel GC @ 14% off + 5% CC cashback via Magicpin Dominos GC @ 16% off + 5% CC cashback via" [X Link](https://x.com/CardNiti/status/1956443804304539767) 2025-08-15T19:52Z [----] followers, [--] engagements "@creditkeeda Yes sir absolutely With these new players leveraging favourable MCCs It is easy to get 5% cashback or even 5% EM on Atlas. Honestly this is the best period I have seen for the credit card rewards gift card play" [X Link](https://x.com/CardNiti/status/1956549665115041930) 2025-08-16T02:52Z [----] followers, [--] engagements "@oshoodev Axis Atlas: 5% EM on direct flights hotels & axis travel edge portal. If converted to Accor thats [--] Accor points currently [--] Accor point [--]. Another good option is Amex Plat Travel" [X Link](https://x.com/CardNiti/status/1956555951319990671) 2025-08-16T03:17Z [----] followers, [--] engagements "A simple trick to avoid extra charges is using redirection from Google Flights The final pricing stays the same as shown on Google Flights. Any convenience fee is either not applied or offset by an automatically applied coupon. Personally Ive found this to be the best way to compare flight tickets and book at the cheapest fare without paying extra fees. The hidden cost of flight tickets: convenience fees. A quick comparison of what different platforms are charging. #travel #flights #conveniencefee https://t.co/0RPMEJCOCE The hidden cost of flight tickets: convenience fees. A quick comparison" [X Link](https://x.com/CardNiti/status/1956651046345805876) 2025-08-16T09:35Z [----] followers, 47.6K engagements "@taditdash Thats why I love Zomato both instant discount and bank discount coupons apply. I thought they would devalue this & make it like swiggy & others but its still going on" [X Link](https://x.com/CardNiti/status/1956701455349350568) 2025-08-16T12:55Z [----] followers, [---] engagements "Stock went from [---] to [--] to 300+ but the offers Always bang on. Make sure you click on Update Coupons if you want to apply multiple on Zomato. It is easy to ignore Share if you care. ♻ PS: I am still using AXISNEO.😍🥂 #ccgeeks #ccgeek #Zomato https://t.co/brPAnwGiXM Make sure you click on Update Coupons if you want to apply multiple on Zomato. It is easy to ignore Share if you care. ♻ PS: I am still using AXISNEO.😍🥂 #ccgeeks #ccgeek #Zomato https://t.co/brPAnwGiXM" [X Link](https://x.com/CardNiti/status/1956702394231792030) 2025-08-16T12:59Z [----] followers, [----] engagements "@FinPaal Swiggy Insta w Swiggy HDFC Bigbasket w Airtel Axis I think we need a Blinkit CC now" [X Link](https://x.com/CardNiti/status/1956705204008567159) 2025-08-16T13:10Z [----] followers, [---] engagements "Closed Axis Ace recently. Its too easy to get 5% cashback on Amazon Pay vouchers so a dedicated card with a [---] cashback limit for utility doesnt deserve a spot. The simplest credit card play Cashback Card X Gift Cards Axis Ace cardholders Paying utility bills via Google Pay no longer comes with extra charges 💳⚡ Win for you 👍 Axis Ace cardholders Paying utility bills via Google Pay no longer comes with extra charges 💳⚡ Win for you 👍" [X Link](https://x.com/CardNiti/status/1956926836308586845) 2025-08-17T03:51Z [----] followers, 20.2K engagements "@gauravwankhede I found google flights cheaper 7/10 times rather than going to any specific app. Booked from adanione also but it was redirected from Google Flights for Zero fee CC rewards on top" [X Link](https://x.com/CardNiti/status/1956948854999335049) 2025-08-17T05:19Z [----] followers, [---] engagements "@22Yardsobia Amex PT & Atlas" [X Link](https://x.com/CardNiti/status/1956969438541943092) 2025-08-17T06:40Z [----] followers, [---] engagements "Secure your Accor nights before theyre gone 👇🏻 Mandatory drill for today. Accor two factor authentication. Step by step information. 🧵 🔖♻ #ccgeeks #accor Mandatory drill for today. Accor two factor authentication. Step by step information. 🧵 🔖♻ #ccgeeks #accor" [X Link](https://x.com/CardNiti/status/1957341126517538882) 2025-08-18T07:17Z [----] followers, [---] engagements "@noyes99 @contliving If even insurance isnt optional maybe its time to explore other options 🙌🏻" [X Link](https://x.com/CardNiti/status/1957349089449796065) 2025-08-18T07:49Z [----] followers, [--] engagements "@Nareshkjs @joinxclusive @FinPaal Help us & our followers get PhonePe Sbi Select Black CC + Sbi CB CC we will take care of the rest 🙌🏻 @FinPaal @taditdash @prashantnhn @VijayReddy_22" [X Link](https://x.com/CardNiti/status/1957368467486560646) 2025-08-18T09:06Z [----] followers, [---] engagements "@Nareshkjs @FinPaal @joinxclusive @taditdash @prashantnhn @VijayReddy_22 Le Sbi Cards: Bring your cards below [--] and keep your total credit limit less than your CTC then well think about it 😅 Just kidding" [X Link](https://x.com/CardNiti/status/1957383787307827574) 2025-08-18T10:07Z [----] followers, [---] engagements "@FinPaal @Nareshkjs @joinxclusive @elonmusk 🤣 🚀" [X Link](https://x.com/CardNiti/status/1957390419223801891) 2025-08-18T10:33Z [----] followers, [--] engagements "✈ The rewarding credit card play Milestone Card Gift Cards Covers nearly every spend even utilities pays in luxury travel needs smart redemptions. In this new premium CC era these [--] cards truly stand out with strong rewards & relatively low fees 🧵👇🏻" [X Link](https://x.com/CardNiti/status/1957483678491374015) 2025-08-18T16:44Z [----] followers, 77K engagements "Redemption: Amex PT Stmnt Credit: [----] pp ❌ 24k Gold Collection (w MRCC / Gold): Amazon GV: [----] pp ❌ Taj GV: [----] pp ✅ ✅ Transfer Partners: [--] x 🏨 [--] x ✈ Best via Marriott 1:1 ✅ (fair value [---] to 1/pt) Bonus: 5th night free on 4-night Marriott bookings" [X Link](https://x.com/CardNiti/status/1957483730819285163) 2025-08-18T16:44Z [----] followers, [----] engagements "Redemption & Limits: Atlas Travel Edge: 1:1 ❌ ✅ Transfer Partners: Group A & B Marriott: 2:1 ❌ Multiple Hotel & Airlines: 1:2 ✅ Best: Accor 1:2 ✅ [--] EM = [--] Accor Pts [--] (2k accor pts = 40) Limits : Group A : 30k B : 1.2L (per calendar year)" [X Link](https://x.com/CardNiti/status/1957483748443795562) 2025-08-18T16:44Z [----] followers, [----] engagements "Exclusions: Amex PT: Utilities fuel & insurance excluded (but still count for milestones) Axis Atlas: Govt. fuelrent jewellerywalletutilities insurance education excluded (base + milestone)" [X Link](https://x.com/CardNiti/status/1957483753766273385) 2025-08-18T16:44Z [----] followers, [----] engagements "@GOURANGA15 @grok Waiting for grok to do the job if it don't then will declare randomly tonight. https://x.com/CardNiti/status/1957771410476081577t=uShW_zq5vBrPZP7TCngEgg&s=19 @grok List of participants: @VIJAIKS1 @GOURANGA15 @siddharthj2011 @i_amsriram23 @saurabh_kul16 @saifee25 @pdjsr001 @naumanshah03 @ankitdewan @SilentAssasin04 @CardsavvyIndia @dglaxminarayana @amitrathi_ @VIJAIKS1 @AkashRathi92 @amit_i_am @Cardbaaz @grok please select any [--] handle https://x.com/CardNiti/status/1957771410476081577t=uShW_zq5vBrPZP7TCngEgg&s=19 @grok List of participants: @VIJAIKS1 @GOURANGA15" [X Link](https://x.com/CardNiti/status/1957774660709355621) 2025-08-19T12:00Z [----] followers, [--] engagements "Hey Short answer is conversion ratio. To compare fairly we first need to bring both cards into the same unit. Regalia Gold [--] pts / [---] = 2.66% pts Conversion to Accor (1:0.5) = 1.33% Accor pts Axis Atlas [--] pts / [---] = 2% pts Conversion to Accor (1:2) = 4% Accor pts I dont hold Regalia Gold myself just skimmed through the docs so I could be slightly off. But from this it looks quite clear why Axis Atlas comes out superior" [X Link](https://x.com/CardNiti/status/1957846458364760329) 2025-08-19T16:45Z [----] followers, [--] engagements "@creditkeeda Sir clearly mentioned it in terms for Accor. Since every other ccgeek post shows HSBC returns in Accor need to follow the same units for ease of understanding" [X Link](https://x.com/CardNiti/status/1958020903184281757) 2025-08-20T04:18Z [----] followers, [----] engagements "Yes youre right but I have come across some interesting terms & conditions so I didnt explicitly mention what you stated. Best Price Guarantee: valid for the next [--] hours Price Drop Protection: valid for [--] days up to [----] That said I havent personally experienced what HSBC is claiming either. @CardNiti Accelerated for travel spends only through HSBC portal which charges a premium compared to other portals - offsets overall earning. Something worth mentioning Most of us (incl you) prefer to book our flights directly thro airlines - TravelOne is not very rewarding vs Atlas here @CardNiti" [X Link](https://x.com/CardNiti/status/1958024706378068375) 2025-08-20T04:34Z [----] followers, [----] engagements "Haha so true & it wont be an 80% earning opportunity for a lot of folks if they actually have to swipe their cards iykyk 😅 @FinPaal @CardNiti Yes but when they redeem these points no one will mention they lost 80% earning opportunity. Sed but true. 🥲🥲 https://t.co/G9AQF18397 @CardNiti Yes but when they redeem these points no one will mention they lost 80% earning opportunity. Sed but true. 🥲🥲 https://t.co/G9AQF18397" [X Link](https://x.com/CardNiti/status/1958037585843921220) 2025-08-20T05:25Z [----] followers, [---] engagements "So switching to ALL app is rewarding for now Upto [----] bonus points for first signup & login" [X Link](https://x.com/CardNiti/status/1958380740976025941) 2025-08-21T04:08Z [----] followers, 11.1K engagements "Accor ALL is running a limited-time promo: ✅ First-time login on the ALL app Bonus Reward Points (based on your tier) Silver [---] pts Gold [---] pts Platinum [---] pts Diamond & above [----] pts 📅 Offer period: [--] Jul [--] Sep [----] Classic tier is not eligible" [X Link](https://x.com/CardNiti/status/1958380772080980200) 2025-08-21T04:08Z [----] followers, [----] engagements "Bonus tip: If your status upgrade is pending (or youve stacked memberships for Platinum) wait till the upgrade reflects Easy [---] pts for Platinum. @SartanparaYash 🔁 Repost will help more folks grab the offer. #ccgeeks #ccgeek #CardNiti #accor" [X Link](https://x.com/CardNiti/status/1958380777655124434) 2025-08-21T04:08Z [----] followers, [---] engagements "Dont be surprised if you start seeing Jupiter Edge+ recommendations and reviews everywhere 😅 🚨 New referral in town 🚨 Jupiter Edge+ RuPay Credit Card is now giving: ✅ [---] for your friend ✅ [----] for you ✅ 5th referral = Free AirPods worth 12K 🤯 Use the referral code : Tv2bJ5 Worth a look 👇 @imYadav31 @EvryPaisaMatter https://t.co/I1a3KD7xX9 🚨 New referral in town 🚨 Jupiter Edge+ RuPay Credit Card is now giving: ✅ [---] for your friend ✅ [----] for you ✅ 5th referral = Free AirPods worth 12K 🤯 Use the referral code : Tv2bJ5 Worth a look 👇 @imYadav31 @EvryPaisaMatter https://t.co/I1a3KD7xX9" [X Link](https://x.com/CardNiti/status/1958555130363846799) 2025-08-21T15:41Z [----] followers, [---] engagements "Just in case anyone hasnt claimed their FREE Swiggy money after being on Swiggy One / Black" [X Link](https://x.com/CardNiti/status/1958558272559906937) 2025-08-21T15:54Z [----] followers, [----] engagements "Congratulations bro 🥳 Getting featured within a month is no joke 🫡 Read it here : @FinPaal Appreciation post done bhai DM me the hack now. http://tinyurl.com/EconomictimesFinpal Day [--] with FinPal 💳 Ever wondered how online portals instantly check if a credit card number is valid & How bank-specific offers are applied instantly Lets break down how credit card numbers are generated in this thread 🧵👇 1/n https://t.co/VrryTzjH0r http://tinyurl.com/EconomictimesFinpal Day [--] with FinPal 💳 Ever wondered how online portals instantly check if a credit card number is valid & How bank-specific" [X Link](https://x.com/CardNiti/status/1958742915112472918) 2025-08-22T04:07Z [----] followers, [----] engagements "@rishabhgokhru Yes & keep mobile number common in both Swiggy & Marriott" [X Link](https://x.com/CardNiti/status/1958839877346136178) 2025-08-22T10:33Z [----] followers, [---] engagements "Canara Bank Appreciation Post 🙌🏻 Didnt expect this from a PSU bank But this was too good to be true ✅ End-to-end online process ✅ Applied SB General a/c online & Rupay Select DC option right there ✅ KYC on 14th Aug got a/c details & mobile banking instantly ✅ DC generated on 19th Aug virtual card instant access got physical card passbook & wallet delivered today i.e. 22nd Aug. Smoothest PSU bank experience I have had. Now the exciting part Rupay Select Debit perks ✨" [X Link](https://x.com/CardNiti/status/1958932490187379157) 2025-08-22T16:41Z [----] followers, 31.1K engagements "@Shadow_Investor SB General" [X Link](https://x.com/CardNiti/status/1959116287688548849) 2025-08-23T04:51Z [----] followers, [--] engagements "@AnirudhKejriwal @DealDigger_ Had a similar experience with BOM banks act fast once an RBI complaint is filed. Even though mine was closed (since I didnt wait the full [--] days) BOM still took a letter from me stating the issue was resolved & that I was officially withdrawing the complaint" [X Link](https://x.com/CardNiti/status/1959122665744060769) 2025-08-23T05:16Z [----] followers, [--] engagements "The simplest credit card play Credit Cards Gift Cards Are you still swiping your credit card directly at store machines Or paying directly on shopping websites 🛍💳 If yes youre clearly leaving rewards on the table 🚨 Let me explain how to fix this 🧵👇 Visit This Link: https://t.co/wpnUkJJlxB https://t.co/HnSmDvkTKL Are you still swiping your credit card directly at store machines Or paying directly on shopping websites 🛍💳 If yes youre clearly leaving rewards on the table 🚨 Let me explain how to fix this 🧵👇 Visit This Link: https://t.co/wpnUkJJlxB https://t.co/HnSmDvkTKL" [X Link](https://x.com/CardNiti/status/1959156424262480074) 2025-08-23T07:31Z [----] followers, [----] engagements "API users check this 👇🏻 🔗 🔗 http://all.accor.com/a/masters/translated-master/language-master/offers/boost-your-points-select.html http://all.accor.com/a/en/offers/boost-your-points-essential---winter-offer.html ACCOR - ALL - Boost your points [----] points Offer period up to Aug [----] [----] points offer period upto Feb [----] #ccgeek #Travel https://t.co/8siwdtqOfy http://all.accor.com/a/masters/translated-master/language-master/offers/boost-your-points-select.html http://all.accor.com/a/en/offers/boost-your-points-essential---winter-offer.html ACCOR - ALL - Boost your points [----] points Offer" [X Link](https://x.com/CardNiti/status/1959175619972829278) 2025-08-23T08:47Z [----] followers, [----] engagements "@aman6490 Is it actually allowing you to book with the same half miles I noticed the same a few days back but when I tried to book the fare refreshed to the actual requirement. Looks more like a cache issue between the app and website depending on which one isnt updated" [X Link](https://x.com/CardNiti/status/1959187632359137680) 2025-08-23T09:35Z [----] followers, [----] engagements "Why Amex Plat Travel is a no-brainer Even if you do the whole 4L through a wallet the equation sill looks like: 48k MR points @ [----] per point Taj Stay GV 10k against [----] fees With Flipkart x Marriott you can easily redeem each MR point @ [----] 🧵👇🏻 ✈ The rewarding credit card play Milestone Card Gift Cards Covers nearly every spend even utilities pays in luxury travel needs smart redemptions. In this new premium CC era these [--] cards truly stand out with strong rewards & relatively low fees 🧵👇🏻 https://t.co/u7k6KGzyMU ✈ The rewarding credit card play Milestone Card Gift Cards Covers" [X Link](https://x.com/CardNiti/status/1959276236619817274) 2025-08-23T15:27Z [----] followers, 71.6K engagements "How to get [----] per MR point MR to Marriott at 1:1 Marriott to SuperCoins at 2:1 Details 👇🏻 https://x.com/FinPaal/status/1958444118067298745t=gTiysf-8IUGredDw9hXrVg&s=19 https://x.com/FinPaal/status/1958444118067298745t=gTiysf-8IUGredDw9hXrVg&s=19 💰 Fair Values: [--] MB = [----] (In rare cases it goes up to 1-2) [--] SC [--] (in most redemptions) Transfer Ratios: [--] MB = [--] SC ✅ Okay fair [--] SC = [--] MB ❌ SC drops to [----] So unless your SC balance is about to expire avoid converting SC into MB. https://x.com/FinPaal/status/1958444118067298745t=gTiysf-8IUGredDw9hXrVg&s=19" [X Link](https://x.com/CardNiti/status/1959276251648049534) 2025-08-23T15:27Z [----] followers, [----] engagements "@rujhan_arora_ Hey Please Go thru the whole post I have shown one usecase where supercoins can be used for flight booking As of now 100% upto 5k. Also you can keep them Marriott there itself point value remains [----] to [--] if you consider marriott stays" [X Link](https://x.com/CardNiti/status/1959471258841514239) 2025-08-24T04:22Z [----] followers, [---] engagements "@logurrb It was visible in mobile banking & I enabled mobile banking using adhaar authentication Someone reported that iOS don't support adhaar authentication" [X Link](https://x.com/CardNiti/status/1959505541954249124) 2025-08-24T06:38Z [----] followers, [--] engagements "@aman6490 @Vgdktk Hey @aman6490 Please share your decision with me also. I am also not sure about it exploring realistic value of indigo bluchips" [X Link](https://x.com/CardNiti/status/1959507482243391728) 2025-08-24T06:46Z [----] followers, [---] engagements "Uber One is the most exciting membership in a while. Here is why 🧵👇🏻" [X Link](https://x.com/CardNiti/status/1960176706871869829) 2025-08-26T03:05Z [----] followers, [----] engagements "UberOne 💸 10% Uber credits back on all rides (except Rental & Intercity where you get 1% back) capped at [---] per trip. 💳 Uber GC often available at 10% instant discount + CC rewards on top. 🔁 Credits auto-apply on your next ride but cant be used for Auto & Courier" [X Link](https://x.com/CardNiti/status/1960176709925249217) 2025-08-26T03:05Z [----] followers, [---] engagements "When it comes to daily rides which one do you prefer 🤔 #CardNiti #ccgeek #ccgeeks Uber 🚖 Ola 🚘 Self drive 🫶🏻 Rapido 🚕 Uber 🚖 Ola 🚘 Self drive 🫶🏻 Rapido 🚕" [X Link](https://x.com/CardNiti/status/1960178778786681029) 2025-08-26T03:13Z [----] followers, [---] engagements "New to credit cards Start here 👇🏻 Just starting your credit card journey 💳✨ This thread is for beginners who want to play the game smart avoid debt traps & maximize rewards. Lets go 🚀👇 Just starting your credit card journey 💳✨ This thread is for beginners who want to play the game smart avoid debt traps & maximize rewards. Lets go 🚀👇" [X Link](https://x.com/CardNiti/status/1960246969336467861) 2025-08-26T07:44Z [----] followers, [----] engagements "🚨Axis Atlas 🌍 Pre-approved route is working as of now. 🚨 Axis Atlas 🌍 Pre-approved is the only working route Axis atlas is not showing up for fresh application. Credits: @yogkalayogi https://t.co/Mti1Yt7DBV 🚨 Axis Atlas 🌍 Pre-approved is the only working route Axis atlas is not showing up for fresh application. Credits: @yogkalayogi https://t.co/Mti1Yt7DBV" [X Link](https://x.com/CardNiti/status/1960351733768470818) 2025-08-26T14:40Z [----] followers, 12.4K engagements "Points redemptions feel like free stays or flights. But every swipe annual fee and lost cashback had a price. Are they free rewards or just prepaid in another form Its value unlocked not value created out of thin air" [X Link](https://x.com/CardNiti/status/1960564817183314001) 2025-08-27T04:47Z [----] followers, [---] engagements "Hearing an investment grew 4x sounds exciting. But without knowing if it took [--] years or [--] the number alone hides the real story. Time decides whether 4x is magic or just average. It could be real-estate mutual fund or any equity" [X Link](https://x.com/CardNiti/status/1960564821880955010) 2025-08-27T04:47Z [----] followers, [---] engagements "Basically its always a framing bias: Free = Already prepaid Interest-free = Cost hidden elsewhere Cashback = Capped Big number = Denominator ignored (time risk caps or real value)" [X Link](https://x.com/CardNiti/status/1960564847688458751) 2025-08-27T04:47Z [----] followers, [---] engagements "Key financial terms worth exploring to avoid fin. traps : [--]. Rate of Interest [--]. Rate of Return [--]. XIRR / CAGR [--]. Opportunity Cost [--]. Liquidity [--]. Risk vs Reward [--]. Inflation [--]. Compounding [--]. Time Value of Money [--]. Expense Ratio / Fees [--]. Lock-in Periods [--]. Tax Efficiency" [X Link](https://x.com/CardNiti/status/1960564851517817213) 2025-08-27T04:47Z [----] followers, [---] engagements "Some X handles arent about personal finance but I discovered a surprising amount of financial wisdom through limited interactions mostly in the comments : @RakshitSomani @creditkeeda @DealsDhamaka @VVikiLuxe @man1sh_golcha @FinPaal @SartanparaYash @ankitdewan" [X Link](https://x.com/CardNiti/status/1960564855741542604) 2025-08-27T04:47Z [----] followers, [---] engagements "@RakshitSomani @creditkeeda @DealsDhamaka @VVikiLuxe @man1sh_golcha @FinPaal @SartanparaYash @ankitdewan Interest-free home loans or return-of-premium schemes look tempting but theyre not 👇🏻 https://x.com/CardNiti/status/1960564796547371174t=q3l6hJkI27WndpJJKVxqUw&s=19 Thats the trap. We look at headline numbers instead of net effective outcome. And this isnt just about a GV. Here are some bigger examples 👇🏻 https://x.com/CardNiti/status/1960564796547371174t=q3l6hJkI27WndpJJKVxqUw&s=19 Thats the trap. We look at headline numbers instead of net effective outcome. And this isnt just about a" [X Link](https://x.com/CardNiti/status/1960565089846665380) 2025-08-27T04:48Z [----] followers, [---] engagements "@ankitdewan @prashantnhn @FinPaal Sir do you consider expense ratio as investment Or just the SIP amount" [X Link](https://x.com/CardNiti/status/1960730580762448345) 2025-08-27T15:46Z [----] followers, [--] engagements "@aditya_credfin Isn't negative means loss Are you saying negative growth rate is not possible Or it's imperfect to declare it What's your approach in general" [X Link](https://x.com/CardNiti/status/1960755331790987536) 2025-08-27T17:24Z [----] followers, [---] engagements "No sir This formula won't work at all. Like if you get profit of [----] using CC with fee [---] & on spends of [-----] Then by this formula it's [----] / [---] = 900% 😐 Base / Deno. should always be actual spends against which you get any value / service. Num. ideally should be net rewards but considering annual fee as subscription fee is also works well as it provide other perks as well" [X Link](https://x.com/CardNiti/status/1960777290024935509) 2025-08-27T18:51Z [----] followers, [--] engagements "@aditya_credfin Haha then we need multiple metrics here 😅 Return on fee invested = 900% Return on spends post fee adjustment = 9% Return on spends w/o fee adjustment = 10% Absolute profit is [----] everything else is just wordplay. This one I will prefer 👇🏻 https://x.com/creditkeeda/status/1960768900527788302t=eNIN5SlcpqWTr7CAtPixTw&s=19 Card fee is like a subscription for me. Just like Netflix I dont calculate what I paid vs how much I saved on each movie or series I watched. I only look at the overall value Im getting. Numbers matter only when Im comparing two cards and then the key is to" [X Link](https://x.com/CardNiti/status/1960780848703385983) 2025-08-27T19:05Z [----] followers, [--] engagements "Ok mihir Interesting take but I have a question. By your logic if I invest [---] in mutual funds there is expense ratio of [--] Then do mutual funds consider base of [---] for returns calc. or actual [---] only I think they follow net returns (gross - expenses) on the base of actual investment. I think annual fee is like operating charges only. @rhoeshan your views are needed sir" [X Link](https://x.com/CardNiti/status/1960895303202087044) 2025-08-28T02:40Z [----] followers, [--] engagements "@mihirshah161281 @SartanparaYash Really I always assumed that if my 10k investment grows to 12k in a year that's a 20% return. Since expense ratio is already adjusted in the daily NAV it's factored in automatically. The only thing that can further impact returns would be exit charges if applicable" [X Link](https://x.com/CardNiti/status/1960909161988022695) 2025-08-28T03:35Z [----] followers, [--] engagements "Why [--] profit on [---] instead of [--] on [---] Like you did [---] profit on [-----] instead of [-----] Also NAV is declared after expense ratio adjustment only on daily basis. So if it's appreciated to [---] it's 10% net return only Gross return = net return + expense ratio" [X Link](https://x.com/CardNiti/status/1960910558498316482) 2025-08-28T03:41Z [----] followers, [--] engagements "@EvryPaisaMatter Sir there is Atlas to ITC to Marriott option at effective 1:3 conversion ratio. Limitation of 10k ITC Green points per quarter & long tranfer time" [X Link](https://x.com/CardNiti/status/1961133744942645669) 2025-08-28T18:28Z [----] followers, [---] engagements "The Don Killer 😎 Axis Cashback CC Here are the top [--] reasons why I choose this over Sbi Cashback 🧵👇🏻 The simplest credit card play Cashback Card Gift Cards Covers nearly every spend even utilities pays real cash back zero mental math. In this new cashback era Only [--] cards truly stand out with high reward caps 🧵👇🏻 The simplest credit card play Cashback Card Gift Cards Covers nearly every spend even utilities pays real cash back zero mental math. In this new cashback era Only [--] cards truly stand out with high reward caps 🧵👇🏻" [X Link](https://x.com/CardNiti/status/1961300295369035982) 2025-08-29T05:30Z [----] followers, 46.9K engagements "@FinPaal @EvryPaisaMatter That's true but why to do direct travel spends when : https://x.com/CardNiti/status/1956412209048814015t=zWO-z3AoTwUTQ5qd35yK1A&s=19 The simplest credit card play Cashback Card Gift Cards Covers nearly every spend even utilities pays real cash back zero mental math. In this new cashback era Only [--] cards truly stand out with high reward caps 🧵👇🏻 https://x.com/CardNiti/status/1956412209048814015t=zWO-z3AoTwUTQ5qd35yK1A&s=19 The simplest credit card play Cashback Card Gift Cards Covers nearly every spend even utilities pays real cash back zero mental math. In this" [X Link](https://x.com/CardNiti/status/1961305045259219312) 2025-08-29T05:48Z [----] followers, [--] engagements "Do you have bank account with HSBC 🤔 Dont know how but few businessmen 🧑💼 managed to get HSBC TravelOne Credit Card 💳✈ approved 🤯 Heard its tough if youre not salaried 💼❌ Apply Now: https://t.co/1J3CXUNKZY But looks like some exceptions are happening 👀 👉 If youre self-employed/businessman maybe worth https://t.co/YJyb8xvLYs Dont know how but few businessmen 🧑💼 managed to get HSBC TravelOne Credit Card 💳✈ approved 🤯 Heard its tough if youre not salaried 💼❌ Apply Now: https://t.co/1J3CXUNKZY But looks like some exceptions are happening 👀 👉 If youre self-employed/businessman maybe" [X Link](https://x.com/CardNiti/status/1961379142521459034) 2025-08-29T10:43Z [----] followers, [----] engagements "CAAS (Credit Cards as a Service) launch ho gaya kya Happy to pay 10k + GST if I can get BizBlack EPM Premier Infinia & more in one shot. @imYadav31" [X Link](https://x.com/CardNiti/status/1961730327052951802) 2025-08-30T09:58Z [----] followers, [----] engagements "Myntra maths for Kalyan Gold Coin 🪙 CC Rewards Extra (Min. 5% w Sbi CB) CC Billpay Rewards Extra (Min. 1%) How to get Myntra GV at 5.5% Off Check quoted post 👇🏻 Every once in a while a new player enters the rewards market & shakes things up ⚡ This time its @thezavo .a platform that rewards you with cashback upto Rs [----] rewards for paying your credit card bills & loan EMIs 💳🚀 And the cherry on top The gift voucher game 🎁 Let https://t.co/tkXG66S2rH Every once in a while a new player enters the rewards market & shakes things up ⚡ This time its @thezavo .a platform that rewards you with" [X Link](https://x.com/CardNiti/status/1961787723565641989) 2025-08-30T13:46Z [----] followers, 11.8K engagements "🥳 Flipkart Big Billion Days 🛍 📅 Tentative start date: 20th Sept 🗒 Key things to grab the best discounts: 💳 Credit Cards : Axis & ICICI for instant discounts (officially announced) 💎 Axis has both Milestone & Cashback cards. If you know how to double dip 😎 🎯 Supercoins : You often get amazing discounts in exchange for [------] Supercoins so keep them handy. 👑 Flipkart VIP : VIP membership is advertising a 15% discount during the sale so there might be additional offers for VIP members. The membership itself also comes with its own perks. 💠 Bonus: Access to GST or someone you know who" [X Link](https://x.com/CardNiti/status/1961805168800133597) 2025-08-30T14:56Z [----] followers, [----] engagements "🥳 Flipkart Big Billion Days 🛍 💳 Credit Cards : Axis & ICICI for instant discounts (officially announced) 💎 Grab Axis Cashback for double dip 😎 Details here 👇🏻 The Don Killer 😎 Axis Cashback CC Here are the top [--] reasons why I choose this over Sbi Cashback 🧵👇🏻 https://t.co/4003we5sp8 The Don Killer 😎 Axis Cashback CC Here are the top [--] reasons why I choose this over Sbi Cashback 🧵👇🏻 https://t.co/4003we5sp8" [X Link](https://x.com/CardNiti/status/1961809967746597190) 2025-08-30T15:15Z [----] followers, [---] engagements "🥳 Flipkart Big Billion Days 🛍 💳 Credit Cards : Axis & ICICI for instant discounts (officially announced) 💎 Grab Axis Atlas for double dip 😎 Pre-approved route working details here 👇🏻 🚨Axis Atlas 🌍 Pre-approved route is working as of now. https://t.co/g0yqjUV3ta 🚨Axis Atlas 🌍 Pre-approved route is working as of now. https://t.co/g0yqjUV3ta" [X Link](https://x.com/CardNiti/status/1961811035415101710) 2025-08-30T15:19Z [----] followers, [---] engagements "🥳 Amazon : Great Indian Festival 🛍 📅 Tentative start date: 20th Sept 🗒 Key things to grab the best discounts: 💳 Credit Cards : Sbi for instant discounts (officially announced) 💎 Try for PhonePe SBI Select Black for a chance to double dip 😎 🎯 Amazon Prime : For early access exclusive deals & discounts. Grab atleast Prime Shopping Edition often available for [---] with offers. 💰 Amazon Pay Gift Vouchers : If you already get 10% reward points & have shopping plans load up to [--] lakh (DYOR) 💠 Bonus : Access to an Amazon Business Account (or through someone you know). Extra cashback + GST" [X Link](https://x.com/CardNiti/status/1961820975299010614) 2025-08-30T15:59Z [----] followers, [----] engagements "I was wondering why Satish Sir closed Amex Plat Travel 🤔 For me it has always been a No Brainer. But with SBI Aurum in play the dots connect now. Dont worry Amex PT is still a No Brainer ✅ Note this : For Sbi Aurum total cards [--] + other T&Cs apply. 💰AURUM Joining Benefit Credited 🎁40K RPs against Joining Fee 🎁Will Redeem for 10K Amazon eGV In case you want AURUM DM @Nareshkjs Like ❤ n Repost ♻ if useful #CreditCard #CCgeek #AURUM https://t.co/UdCQBJHPR1 💰AURUM Joining Benefit Credited 🎁40K RPs against Joining Fee 🎁Will Redeem for 10K Amazon eGV In case you want AURUM DM @Nareshkjs" [X Link](https://x.com/CardNiti/status/1961998021786501236) 2025-08-31T03:42Z [----] followers, [----] engagements "What if I told you most people end up paying [--] to 50% more for health insurance than they actually need to Here's how smart buyers avoid that 👇🏻" [X Link](https://x.com/CardNiti/status/1962706141961691498) 2025-09-02T02:36Z [----] followers, 29.6K engagements "3. The Deductible Concept A deductible is the fixed share you pay once per policy year before insurance kicks in. It applies only if you claim and can be covered out of pocket or via corporate cover. 👉🏻 In short: your share of risk each year insurer covers the rest" [X Link](https://x.com/CardNiti/status/1962706159112208696) 2025-09-02T02:36Z [----] followers, [----] engagements "Deductible Example - HDFC Ergo Optima Super Secure 25k deductible 25% discount 50k deductible 40% discount 1L deductible 50% discount 2L deductible 55% discount 3L deductible 65% discount" [X Link](https://x.com/CardNiti/status/1962706162824176085) 2025-09-02T02:36Z [----] followers, [----] engagements "Example: Standard yearly premium = [-----] With 25k deductible = [-----] Deductible + Multi-year (3 yr) = 1.01L 👉🏻 Effective cost [-----] per year With 3L deductible premium can fall to 1618k per year for the same cover" [X Link](https://x.com/CardNiti/status/1962706174077477330) 2025-09-02T02:36Z [----] followers, [----] engagements "6. Have I personally opted for it Yes I've taken HDFC Ergo Optima Super Secure 20L cover with 50k deductible. It is sold as a 3-year plan with multi year discount & renewal happens every [--] years not yearly. This locks in pricing & avoids the hassle of annual renewals" [X Link](https://x.com/CardNiti/status/1962706177768505511) 2025-09-02T02:36Z [----] followers, [----] engagements "Why I chose 20L cover (not 15L or 25L): 👉🏻 20L is the highest sum insured where you still get the full deductible discounts. 👉🏻 Above 20L the % discount on deductible drops sharply so you lose the value. That's why 20L became the sweet spot for me" [X Link](https://x.com/CardNiti/status/1962706182134734956) 2025-09-02T02:36Z [----] followers, [----] engagements "Pros: ✅ Huge premium savings ✅ Makes high cover (20L to 2Cr) affordable ✅ Best if you already have corporate health cover Cons: ❌ You must pay small claims out of pocket ❌ Not suitable if you dont maintain an emergency fund" [X Link](https://x.com/CardNiti/status/1962706189541876033) 2025-09-02T02:36Z [----] followers, [---] engagements "7. Can You Remove the Deductible Later Some insurers offer a "waiver of deductible" after [--] years of continuous renewal. But it's subject to underwriting & other TnCs" [X Link](https://x.com/CardNiti/status/1962706193102840093) 2025-09-02T02:36Z [----] followers, [---] engagements "RT if you agree most people overpay on insurance without knowing it. Follow @CardNiti for more threads on money credit & protection hacks. Are you structuring your cover smartly or just paying premiums blindly every year" [X Link](https://x.com/CardNiti/status/1962706219870925259) 2025-09-02T02:36Z [----] followers, [---] engagements "Comment down if you need brochure I will DM. @CardNiti How did you get more than [--] lakh deductible Can you share the link @CardNiti How did you get more than [--] lakh deductible Can you share the link" [X Link](https://x.com/CardNiti/status/1962731972717064214) 2025-09-02T04:19Z [----] followers, [---] engagements "@vkaile Please don't over-optimise on premiums at the end of the day any claim is usually far higher than what you ever pay. Instead focus on value. Example: with Optima Super Secure [--] years over [--] years (On Optima Secure) gives you 1x extra coverage. https://x.com/CardNiti/status/1962717891859775829t=mbKQrgbDXE02GuwySX7Ucg&s=19 Hey Aditya I completely agree 💯 it's a one time thing take cover always on higher side. With the plan I have choosen I get : 60L coverage from Day [--]. 70L coverage post 1st year. 80L coverage post 2nd year. Multiple restoration benefit without any restriction is" [X Link](https://x.com/CardNiti/status/1962734100437188650) 2025-09-02T04:27Z [----] followers, [---] engagements "CC Billpay Rewards IDFC DC First Tap Tips: just change the language & get pay option. Here full step - https://www.technofino.in/community/threads/new-trick-cc-to-cc-bill-pay-vi-user-still-working.43953/ One more on @TechnoFino @ccg33k @cards_wizard @CardNiti @creditkeeda https://t.co/X50IgFUxBY https://www.technofino.in/community/threads/new-trick-cc-to-cc-bill-pay-vi-user-still-working.43953/ One more on @TechnoFino @ccg33k @cards_wizard @CardNiti @creditkeeda https://t.co/X50IgFUxBY" [X Link](https://x.com/CardNiti/status/1962873692993855897) 2025-09-02T13:42Z [----] followers, 16K engagements "@DealsDhamaka If I have to take a loan anyway what should I consider a separate personal loan or a credit line against MFs I'm inclined towards the credit line but since you posted this just wanted to recheck" [X Link](https://x.com/CardNiti/status/1963062375273452026) 2025-09-03T02:11Z [----] followers, [---] engagements "@contliving Haha those used to claim ITC now they are in NIL category I guess. 🤣" [X Link](https://x.com/CardNiti/status/1963433799829635335) 2025-09-04T02:47Z [----] followers, [--] engagements "@7onethe Yess I normally wouldn't prefer digital gold but during the first-ever CRED Rush there were some crazy offers so I invested turned out really good" [X Link](https://x.com/CardNiti/status/1963783025868575136) 2025-09-05T01:55Z [----] followers, [---] engagements "🥳 Flipkart Big Billion Days 🛍 Consider Flipkart Black and here's why 👇🏻 🔹 15% Bank Discount : The max cap applies for all users but still a smart way to optimize smaller purchases. 🔹 2x Savings with Supercoins : With [--] SC [--] being promoted its the perfect time to burn your stash. Stack as many as you can 🔹 Black Exclusive Deals : Theyre teasing exclusive offers on big brands so expect some crazy deals. 🔹 Extra Perks : Membership itself comes with free 1-year YouTube Premium plus other benefits. 👉🏻 All in all a solid option to consider this sale season. 🥳 Flipkart Big Billion Days 🛍" [X Link](https://x.com/CardNiti/status/1963790612760821768) 2025-09-05T02:25Z [----] followers, [----] engagements "That's so true with credit cards momentary decisions make more sense. 👉🏻 Horizon with a 5k EM joining bonus = clear hit. With 2.5k it could be a miss. 👉🏻 Scapia with 23K referral offers = definite hit. Winwin for everyone (not even counting the airport perks ✈) 👉🏻 Amex Plat Travel with. Coming Soon Thinking about [--] years of plan with a credit card is the last thing anybody should be doing when it comes to credit card. Yahan kal kya ho jayga ye nahi pata. @EvryPaisaMatter @cards_wizard Thinking about [--] years of plan with a credit card is the last thing anybody should be doing when it" [X Link](https://x.com/CardNiti/status/1963798014604226836) 2025-09-05T02:55Z [----] followers, [----] engagements "Sir I genuinely admire you but I'm curious why was CheQ your go-to CC bill pay app 🤔 I started using CheQ around May'23 when they were actually giving 0.51% rewards. But then came the quick devaluation to [--] : [--] which made the app nearly useless right around the time they ramped up influencer marketing. My last major bill payment on CheQ was in Jan'24 and coincidentally that's when your posts about CheQ began. Now every other influencer is pushing "1% CheQ Chips" which in reality is just 0.1% reward on the next CC bill which is pretty ridiculous honestly. I had paid more than 25L worth bills" [X Link](https://x.com/CardNiti/status/1963811096944414752) 2025-09-05T03:47Z [----] followers, [----] engagements "✈ Round Trip Redemptions Can Be Tricky 💳 Sometimes a redemption is only worth one way Mumbai Male looks identical i.e. [----] points each way. But check the cash: 📍 BOM MLE: [----] Points + [----] 📍 MLE BOM: [----] Points + [----] (Same revenue flight will cost 13.5k & CC rewards on Top) Why the huge difference 🤯 Points only cover the base fare. You still pay: ✈ Airport taxes fees & govt charges ✈ Airline fuel surcharges 💡 Maldives outbound taxes are insanely high resulting in 9k+ India outbound Much lower thus 2.5k Key: Not all redemptions are equal. Always check before booking #TravelHacks" [X Link](https://x.com/CardNiti/status/1963904631475483134) 2025-09-05T09:58Z [----] followers, 13.8K engagements "You got me hopeful 😎 Tried to find one Pune to Delhi: 20L+ points Sweetspot More like a "sweet joke" 😂✈ Looks like some error @IndiGo6E @SartanparaYash @aman6490 🚨Spotted some of the sweet spots in Indigo bluechip redemption value 👉In CCU-MAA sector [----] bluechips against 6422rs cash 1.4rs per chip 👉In CCU -BLR sector [----] bluechips against 6188rs cash [----] rs per chip https://t.co/HU5UtG3JLU 🚨Spotted some of the sweet spots in Indigo bluechip redemption value 👉In CCU-MAA sector [----] bluechips against 6422rs cash 1.4rs per chip 👉In CCU -BLR sector [----] bluechips against 6188rs cash" [X Link](https://x.com/CardNiti/status/1963930146705953248) 2025-09-05T11:40Z [----] followers, 15K engagements "@mspdealss @7onethe I usually get physical gold from Myntra during deals using CC. The one I posted is the only time I bought digital gold purely because there were some good offers and the effective price came out 8% below the buyback rate" [X Link](https://x.com/CardNiti/status/1963934757172961694) 2025-09-05T11:58Z [----] followers, [---] engagements "💳 CC Bill payments this is how I do: [--]. FC Kotak [---] Super DC [--] tnx of 10k each. [--]. CRED Axis Liberty Account [--] tnx of 60k. (Once every quarter) [--]. HDFC Autopay Up to 75k (23 tnx) [--]. CRED Fi Prime I use it for minimum due payments of all CCs as soon as the bill is generated. That way even if I miss a payment the hit is only monetary CIBIL stays intact. Occasionally I use IDFC DC for big payments whenever an iykyk . work trick is working. How are you paying your CC bills 💳 Me: 👉 Whenever possible HDFC Debit Card 👉 For the rest(including HDFC CC) shifted to CRED Convenience everything else" [X Link](https://x.com/CardNiti/status/1964148791415886301) 2025-09-06T02:08Z [----] followers, 36.4K engagements "@its_sahith Yes" [X Link](https://x.com/CardNiti/status/1964193364967879094) 2025-09-06T05:06Z [----] followers, [---] engagements "@VaibhvWrites Yess. https://x.com/CardNiti/status/1951211559935525185t=IzoonwKkc0cxaKFYmQPXjg&s=19 @thakurwithcards Steps to follow - NetBanking BillPay Credit Card Payments Enable smartpay using your HDFC Plat DC https://x.com/CardNiti/status/1951211559935525185t=IzoonwKkc0cxaKFYmQPXjg&s=19 @thakurwithcards Steps to follow - NetBanking BillPay Credit Card Payments Enable smartpay using your HDFC Plat DC" [X Link](https://x.com/CardNiti/status/1964215656221487563) 2025-09-06T06:34Z [----] followers, [---] engagements "Actually it is not a loyalty program it is just an affiliate program that's been around for ages 😅 Tata 1mg is just a new partner. Someone misinterpreted it as a loyalty program (like Flipkart x Marriott) and everyone else just followed 😅 CC : @taditdash 🚨 @1mgOfficial X @airindia partnership lets you earn 8% miles on your Tata 1Mg purchases Earnings are 8% on diagnostics 7% on healthcare products 2% on Medicines. Sounds amazing but it isn't - at least for me. It only works if you go via dedicated partner page. That https://t.co/z8JoUimyCC 🚨 @1mgOfficial X @airindia partnership lets you" [X Link](https://x.com/CardNiti/status/1964264925028626495) 2025-09-06T09:50Z [----] followers, [----] engagements "@ccg33k @zomato 🤣😂" [X Link](https://x.com/CardNiti/status/1964282368820207973) 2025-09-06T10:59Z [----] followers, [---] engagements "@RakshitSomani 🤣 😂 I am just glad I haven't fallen for any of those sweetspot posts. Lots of technical glitches hopefully they get fixed in the next [--] months" [X Link](https://x.com/CardNiti/status/1964334713612751127) 2025-09-06T14:27Z [----] followers, [---] engagements "@itsMrKPK @Unplugged_kk Yes only [----] per month" [X Link](https://x.com/CardNiti/status/1964414848625770839) 2025-09-06T19:46Z [----] followers, [--] engagements "⚠ Before you jump in please understand its operating cycle 👇🏻 🪙 Gold is in a bull run 🚀 But remember it operates in cycles 🔄 There have been long sleeping phases 💤 along with explosive rallies 📈 Here's how bull & bear phases played out over the last 60+ years. 💡And if history teaches us anything it's that cycles repeat 🧵👇🏻 https://t.co/BObwfaCYMa 🪙 Gold is in a bull run 🚀 But remember it operates in cycles 🔄 There have been long sleeping phases 💤 along with explosive rallies 📈 Here's how bull & bear phases played out over the last 60+ years. 💡And if history teaches us" [X Link](https://x.com/CardNiti/status/1964573182620565698) 2025-09-07T06:15Z [----] followers, [----] engagements "@TvvitterWala @EvryPaisaMatter Haha once missed a bill of less than [---] and CIBIL dropped by [--] points. So now I prefer to pay the min. due as soon as I get statement email / cred notification. Even if I miss clearing the rest the loss is only monetary not on credit score" [X Link](https://x.com/CardNiti/status/1964688149550125360) 2025-09-07T13:52Z [----] followers, [---] engagements "Cred Uber GV [---] @ 10% Off Zepto GV [---] @ 10% Off Flipkart GV 1k @ 5% Off CC Rewards Extra ✅ Ensure merchant name is DREAMPLUG Uber GV @ 10% Off Yatra GV 1K @ 80% Off Flipkart GV @ 6% Off on Cred CC Rewards Extra ✅ Ensure merchant name is DREAMPLUG https://t.co/HkNvnDnWo1 Uber GV @ 10% Off Yatra GV 1K @ 80% Off Flipkart GV @ 6% Off on Cred CC Rewards Extra ✅ Ensure merchant name is DREAMPLUG https://t.co/HkNvnDnWo1" [X Link](https://x.com/CardNiti/status/1964890329817161985) 2025-09-08T03:15Z [----] followers, [----] engagements "@urstrulyprasad_ Oh ok thanks for letting us know. Alternatives are Sbi CB Atlas Axis CB" [X Link](https://x.com/CardNiti/status/1964928090842526107) 2025-09-08T05:45Z [----] followers, [---] engagements "@suritalreja Alright Bose Congratulations on 5.5k 🥳 Notice period fully utilized 😎" [X Link](https://x.com/CardNiti/status/1964997033460392211) 2025-09-08T10:19Z [----] followers, [---] engagements "@SartanparaYash @SsllessGarg @amazonIN @ccg33k @AmazingCreditC @cards_wizard @KartikaySadani Hn wahi back to back mujhe laga apko maja aane laga 🤣 But abi apka statement padhkr new fear unlocked 👇🏻 https://x.com/CardNiti/status/1964979279428722896t=CBHXFVwUG5Vfj19xOFWXgg&s=19 @rPan1993 Yep scams are everywhere so we need to stay extra cautious. Both platforms are my go-to options haven't faced any issues with them so far. https://x.com/CardNiti/status/1964979279428722896t=CBHXFVwUG5Vfj19xOFWXgg&s=19 @rPan1993 Yep scams are everywhere so we need to stay extra cautious. Both platforms are my" [X Link](https://x.com/CardNiti/status/1965041546639859813) 2025-09-08T13:16Z [----] followers, [--] engagements "Loyalty Program = Retain existing customers 🔄 💳 Customer earns points cashback or perks for repeat purchases. 🎯 Goal: lock you into the ecosystem. ✨ Examples: Flipkart SuperCoins Amazon Pay Rewards IndiGo 6E Rewards" [X Link](https://x.com/CardNiti/status/1965050507179049275) 2025-09-08T13:52Z [----] followers, [----] engagements "Recent Loyalty Collabs: Swiggy 🍔 x IndiGo ✈ (earn 6E Rewards on Swiggy orders) Flipkart 🛒 x Marriott 🏨 (earn Bonvoy points on Flipkart) EazyDiner 🍽 x IndiGo ✈ (earn flight rewards while dining) This is loyalty going cross-brand 🔥" [X Link](https://x.com/CardNiti/status/1965050511939551642) 2025-09-08T13:52Z [----] followers, [---] engagements "Why does this matter Because Affiliate + Loyalty = possible ✅ But Affiliate + Affiliate = not possible ❌ (they clash on tracking). Coalition loyalty (like Neu) behaves more like an affiliate so it won't let you stack external ones" [X Link](https://x.com/CardNiti/status/1965050540041421089) 2025-09-08T13:52Z [----] followers, [---] engagements "So here's the rule of thumb: Native loyalty (Flipkart Amazon) ✅ stacks with affiliates. Coalition loyalty (Tata Neu Reliance One) ❌ blocks affiliates. Cross-brand tie-ups (Swiggy x IndiGo Flipkart x Marriott) ✅ often stack" [X Link](https://x.com/CardNiti/status/1965050544286060578) 2025-09-08T13:52Z [----] followers, [---] engagements "In short: 🤝 Affiliate = acquisition (reward partner) ✨ Loyalty = retention (reward customer) 😎 Multi-dip = hack both (cashback + points) Once you see the difference you'll never shop the same way again" [X Link](https://x.com/CardNiti/status/1965050548765475079) 2025-09-08T13:52Z [----] followers, [---] engagements "@ankitdewan Thankyou sir This topic is really deep companies implement it in unique ways but the core motive stays the same: either acquisition or retention" [X Link](https://x.com/CardNiti/status/1965055778127270294) 2025-09-08T14:13Z [----] followers, [---] engagements "@rohitcool8 @Plutus_cards Either do a small test tnx & confirm with customer care or if you have idfc cc then you can check in app itself post test tnx" [X Link](https://x.com/CardNiti/status/1965083209001300419) 2025-09-08T16:02Z [----] followers, [--] engagements "@jaintarang11 Cashkaro used to give earlier not sure about zingoy. @bethalaluka any idea" [X Link](https://x.com/CardNiti/status/1965094123607888192) 2025-09-08T16:45Z [----] followers, [---] engagements "@suritalreja @taditdash But isn't it better to use Atlas for regular spends & use TravelOne only for its USP" [X Link](https://x.com/CardNiti/status/1965096866422677893) 2025-09-08T16:56Z [----] followers, [---] engagements "@suritalreja @taditdash Hotel & Flights on Rewards Marketplace Reward rates are even higher as I have considered accelerated rewards only but HSBC is provided accelerated + base. https://x.com/CardNiti/status/1958009035887718768t=C2rCobwvPwYwPiCGbBpQZg&s=19 Confused between Axis Atlas 🌏 & HSBC TravelOne ✈ My preference: 🌏 Atlas for Regular Spends ✈ TravelOne for Travel Spends Worst Case: 3L Regular + 4.5L Travel Spends 1.07L Accor Pts 2.14L for Accor @ [-----] fees. Best Case: Well check the quick insights attached https://t.co/fkCg26FbAT" [X Link](https://x.com/CardNiti/status/1965098851532243119) 2025-09-08T17:04Z [----] followers, [---] engagements "@Ankit7083 @AmazingCreditC @SartanparaYash Earn Redeem Repeat Or transfer to marriott 🤔" [X Link](https://x.com/CardNiti/status/1965249858279014693) 2025-09-09T03:04Z [----] followers, [--] engagements "🥳 Got Trolley bag worth [----] at [----] 🛍 🚨Be ready at 11:50 AM today. 🛍Add to cart: https://t.co/HFSktnJcaC 💰Super money: https://t.co/B7svtg9yyQ ✅Get notified: https://t.co/WQE9gTQAgr https://t.co/6uNsEkDE5B 🚨Be ready at 11:50 AM today. 🛍Add to cart: https://t.co/HFSktnJcaC 💰Super money: https://t.co/B7svtg9yyQ ✅Get notified: https://t.co/WQE9gTQAgr https://t.co/6uNsEkDE5B" [X Link](https://x.com/CardNiti/status/1965305730422243658) 2025-09-09T06:46Z [----] followers, 17.1K engagements "EazyDiner IndiGo = choose rewards no caps ✨ Flipkart Marriott = SuperCoins + Bonvoy Pts but only [---] to [----] per yr 🎯 Which one's smarter 🤔 @imYadav31 @FinPaal @taditdash 🧵 Loyalty Programs vs Affiliate Programs 🤔 Ever wondered why some sites give you cashback while others give you points That's the difference between Affiliate programs 💰 & Loyalty programs ✨ Let's break it down 👇🏻 https://t.co/giYeUhaRMo 🧵 Loyalty Programs vs Affiliate Programs 🤔 Ever wondered why some sites give you cashback while others give you points That's the difference between Affiliate programs 💰 & Loyalty" [X Link](https://x.com/CardNiti/status/1965317663686906165) 2025-09-09T07:33Z [----] followers, [----] engagements "HSBC TravelOne looks really good should I also apply and give it a shot to maximize my overall reward rate 🤔 Just got my HSBC TravelOne Credit Card delivered ✈ The welcome kit is 🔥 - a premium cardholder a cool metal baggage tag and a classy passport holder. 🧳 Excited for the reward-packed journeys ahead 🗺 #ccgeek https://t.co/CJrgOmExpw Just got my HSBC TravelOne Credit Card delivered ✈ The welcome kit is 🔥 - a premium cardholder a cool metal baggage tag and a classy passport holder. 🧳 Excited for the reward-packed journeys ahead 🗺 #ccgeek https://t.co/CJrgOmExpw" [X Link](https://x.com/CardNiti/status/1965339187068240363) 2025-09-09T08:59Z [----] followers, [----] engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@CardNiti CardNiti
CardNiti posts on X about if you, $hsbc, $uber, credit cards the most. They currently have [------] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.
Engagements: [------] #
- [--] Week [-------] +21%
- [--] Month [---------] -42%
- [--] Months [---------] +1,427%
Mentions: [--] #
- [--] Week [--] +37%
- [--] Month [---] -11%
- [--] Months [---] +688%
Followers: [------] #
- [--] Week [-----] +0.39%
- [--] Month [-----] +15%
- [--] Months [-----] +481%
CreatorRank: [-------] #
Social Influence
Social category influence finance stocks technology brands currencies countries celebrities products social networks travel destinations gaming
Social topic influence if you, $hsbc, $uber, credit cards, money, $mar, insurance, investment, iphone, gold
Top assets mentioned HSBC Holdings PLC (HSBC) Uber Technologies, Inc. (UBER) Marriott International Inc (MAR) Alphabet Inc Class A (GOOGL) Microsoft Corp. (MSFT) Flex Ltd. Ordinary Shares (FLEX) Nokia Corporation (NOK)
Top Social Posts
Top posts by engagements in the last [--] hours
"💳 Paying Amex CC bills Heres how I get 5% back (1500/month) no card rewards just smart payment ⚡ 🔹 I pay via Fi UPI 🔹 On Prime Plan 30K spend = 50K Fi Coins (3% back) 🔹 As a Fi Credit Card holder each coin = [----] [----] value = 5% effective return 🧾 Limits: 1.5K Coins/Txn 5K Coins/Day 50K Coins/Month ⚠ Note: From [--] Aug [----] Fi Coins change [---] Fi Coins = [--] becomes [--] Fi Points = [--] Redemption logic remains just the unit changes Whats your go-to way to pay Amex CC bills and earn 👇 @bethalaluka @ccg33k @creditkeeda @AmazingCreditC #CardNiti #CreditCardHacks #ccgeek #SmartPayments"
X Link 2025-07-25T12:28Z [---] followers, [----] engagements
"💳 Make Credit Card Bill Payments Rewarding 💰 Why pay bills plain when you can earn back on them Heres how I stack rewards using DCs/UPI 👇 For Amex Bills 🔹 Fi UPI (Prime) 5% back (1500 max) on 30k/month For Other CCs 🔸 Kotak [---] Super DC 5% (500 cap) via @Savesage_club on 10k 🔸 Axis Liberty Account 1.25% (750 cap) per quarter on 60k 🔸 IDFC First Tap DC (Base) 0.33% on first 50k 1.67% on next 1.10L via Zavo (Select/Wealth/Pvt account = 0.52.5%) 🔸 HDFC Platinum DC 1% (750 cap) on 75k via HDFC BillPay 🧾 That's a minimum 1% back on 3L+ monthly CC bills Still missing out on juicy 5% cards"
X Link 2025-07-25T17:43Z [---] followers, 38.2K engagements
"@Abeygeorge14 Hey For which credit card you tried It don't work for hdfc kotak & amex CC"
X Link 2025-07-26T05:01Z [---] followers, [----] engagements
"@Pratik_7746 @Abeygeorge14 Steps to follow - NetBanking BillPay Credit Card Payments Enable smartpay using your HDFC Plat DC Got cashback till July [--] some payments are scheduled in couple of days will share if still works"
X Link 2025-07-26T08:41Z [---] followers, [--] engagements
"@DeepamRathod1 Steps to follow - NetBanking BillPay Credit Card Payments Enable smartpay using your HDFC Plat DC Got cashback till July [--] some payments are scheduled in couple of days will share if still works"
X Link 2025-07-26T08:41Z [---] followers, [---] engagements
"@advaita_batika Yes go ahead"
X Link 2025-07-26T09:13Z [---] followers, [---] engagements
"@Unplugged_kk https://x.com/CardNiti/status/1949158341042704755t=1K9MulDjKdRZYiLbVfGcGg&s=19 All thanks to credit card exclusive redemption offers - [--]. Bill reduction of [---] by burning 25k Fi coins once a month https://t.co/mhtfMWM1sj https://x.com/CardNiti/status/1949158341042704755t=1K9MulDjKdRZYiLbVfGcGg&s=19 All thanks to credit card exclusive redemption offers - [--]. Bill reduction of [---] by burning 25k Fi coins once a month https://t.co/mhtfMWM1sj"
X Link 2025-07-26T18:41Z [---] followers, [---] engagements
"@Unplugged_kk Yes you're right If you have Fi Prime along with Fi CC then you can get effective redemption of 5% upto [----] pm for all UPI P2M payments I prefer using this for Amex Bill Payment"
X Link 2025-07-27T06:13Z [---] followers, [--] engagements
"🏦 Bank of Baroda Super Savings 🔹 Min Bal: AMB 20K 🔹 Annual Fee: [---] 🏦 Bank of Maharashtra BSS-25 🔹 Min Bal: AQB 25K 🔹 Annual Fee: [--] https://tinyurl.com/BoMRupayDC https://tinyurl.com/BobRupayDC https://tinyurl.com/BoMRupayDC https://tinyurl.com/BobRupayDC"
X Link 2025-07-27T14:31Z [----] followers, [----] engagements
"💡 Open a basic account opt for RuPay Select Debit Card & enjoy premium lifestyle perks without paying big. 📌 Save this. 🔔 Follow @CardNiti for hacks that banks wont tell you. 🔁 RT & tag someone still missing out #CardNiti #CardNitiRupaySelectDC #ccgeeks"
X Link 2025-07-27T14:31Z [----] followers, [----] engagements
"@imYadav31 @cards_wizard @AmazingCreditC @ccg33k Here you go - https://www.idfcfirstbank.com/credit-card/indigo-credit-card https://www.idfcfirstbank.com/credit-card/indigo-credit-card"
X Link 2025-07-29T12:12Z [---] followers, [---] engagements
"IDFC IndiGo Credit Card Applications Now Live You can now apply for the IndiGo IDFC First Credit Card directly from the official link below 👇 🎯 Stay tuned as we break down the features soon. #CardNiti #IDFCFIRST #IndiGoCard #CreditCardsIndia http://idfcfirstbank.com/credit-card/indigo-credit-card http://idfcfirstbank.com/credit-card/indigo-credit-card"
X Link 2025-07-29T12:21Z [---] followers, [--] engagements
"@iamabdulkadirl @suritalreja I switched to Axis Atlas post [--] lac wbu"
X Link 2025-07-30T07:24Z [---] followers, [--] engagements
"Lets clear this up first Sure iShop & HDFC Smartbuy can fetch 1018% returns with premium cards. But theyre not for everyone limited access caps and availability. So lets talk about gift card platforms you can actually use with SBI CB Atlas Plat Travel & more"
X Link 2025-07-31T11:36Z [---] followers, [----] engagements
"Heres what well cover: [--]. Magicpin [--]. Magnify [--]. CRED [--]. Maximize Money [--]. Amazon Plus a few bonus platforms for selective use cases: Parkplus Deazly Times Prime HDFC Smartbuy Lets break down eachbased on rewards recommended cards and payment gateway behaviour"
X Link 2025-07-31T11:36Z [---] followers, [----] engagements
"2. Magnify Great user interface with quick checkout. Convenient for frequent users autoselect your last used payment method and often less OTPs. Most GC have instant discount some have only cashback in form of fairly valued magpoints & easy redemption"
X Link 2025-07-31T11:36Z [---] followers, [----] engagements
"Popular GCs: Myntra Domino's PVR Amazon Ideal for: Amex MRCC / Gold (milestone spends) Amex Plat Travel SBI Cashback Axis Atlas Payment Gateway (MCC) Mapping: ✅ Magnify Club 7311"
X Link 2025-07-31T11:36Z [---] followers, [----] engagements
"3. Cred Recently entered the gift card space. Currently doesnt charge any convenience fee. Limitations: Can only buy one GC per transaction which can be inconvenient for bulk buyers"
X Link 2025-07-31T11:36Z [---] followers, [----] engagements
"Best GCs: Amazon Myntra Uber Works with: SBI Cashback and Axis Atlas Payment Gateway (MCC) Mapping: ✅ DREAMPLUG [----] ❌ cred 5947"
X Link 2025-07-31T11:36Z [---] followers, [----] engagements
"4. Maximize Money One of the most powerful platforms for buying gift cards especially if you care about PG mapping and stacking rewards smartly. Multiple payment gateways most of them are CC-friendly"
X Link 2025-07-31T11:36Z [---] followers, [----] engagements
"Top GCs: Amazon Cleartrip Hotels Myntra Best with: SBI Cashback Axis Atlas Amex MRCC (milestone) & Amex Plat Travel Payment Gateway Mapping (MCC): ✅ maximize [----] (Razorpay) ❌ Maximizemo - [----] (Easebuzz) Multiple PGs now Razorpay works still DYOR"
X Link 2025-07-31T11:36Z [---] followers, [----] engagements
"5. Amazon Best when you don't have rewarding credit cards or want to use UPI. Amazon often runs UPI cashback promotions. Suggested GCs: Amazon (obviously) Google Play CB offer specific Gift Cards"
X Link 2025-07-31T11:36Z [---] followers, [----] engagements
"Works with: SBI Cashback Swiggy Hdfc Axis Atlas Amazonpay ICICI Payment Gateway (MCC) Mapping: ✅ www amazon in [----] ✅ Amazon Pay India Privatet [----] ✅ amazon in [----] ❌ Amazon Gift Card [----] ❌ Amazon Pay India Pvt Ltd"
X Link 2025-07-31T11:36Z [---] followers, [----] engagements
"Platforms for Selective Usecase Parkplus Useful for GC purchases through gamified sections like Spin & Win Mystery Rewards Pick a Prize. Suggested GCs: Bigbasket Zomato Uber at 10% off Works via UPI only recently removed CC Payment Gateway"
X Link 2025-07-31T11:36Z [---] followers, [----] engagements
"Deazly Not very mainstream but useful. Has a decent GC collection and a rewards-friendly PG. Payment Gateway (MCC) Mapping: ✅ Deazly [----] Times Prime Occasional GC offers and brand-linked discounts. Not consistent but worth checking if youre a member"
X Link 2025-07-31T11:36Z [---] followers, [----] engagements
"Bonus: MCCs generally used by GC Platforms - ✅ [----] Discount Stores ✅ [----] Misc. Food Stores ✅ [----] Advertising Services ✅ [----] Misc. Apparel ❌ [----] Gift Cards (Avoid Often excluded) MCC = Merchant Category Code (used by banks to classify transactions)"
X Link 2025-07-31T11:36Z [---] followers, [----] engagements
"TL;DR Prioritize premium card portals if you have access unmatched reward rates. Else use platforms based on brand availability payment gateway and your credit card. Platforms like Magicpin Maximize Magnify and Amazon can still yield solid returns with smart pairings"
X Link 2025-07-31T11:36Z [---] followers, [----] engagements
"@yuvkul YES & NO all depends on MCC Mapping of payment gateway you get for checkout: ✅5499 [----] will fetch CB (DREAMPLUG MAGICPIN) ❌Avoid [----] it is excluded. (cred www magicpin in)"
X Link 2025-08-01T02:11Z [---] followers, [---] engagements
"Insurance is for protection Investment is for growth Mixing both ruins the purpose. Here is why 👇🏻 ULIPs Look Smart -Until You Run the Numbers They promise life cover + investment in one plan. But what if I told you Youre better off keeping them separate with Term Insurance + Mutual Funds Lets break it down with real numbers real logic and a 30-year plan 👇 🧵 ULIPs Look Smart -Until You Run the Numbers They promise life cover + investment in one plan. But what if I told you Youre better off keeping them separate with Term Insurance + Mutual Funds Lets break it down with real numbers real"
X Link 2025-08-01T18:07Z [---] followers, [---] engagements
"@vipin1202 Depends on which GC you're going for Amazon Pay now has a convenience fee of 1.5% + GST. Amex Gold Card still has some juice left on GyFTR thanks to the 5x MR multiplier. More details here : https://x.com/CardNiti/status/1949144228942237901t=aLEctKodmO9Xz6CknDv78A&s=19 🧵 Maximizing Amex Milestone Benefits Post Convenience Fee Hike 💡 Should you still use GyFTR for milestones Here's how it impacts milestone planning across Amex MRCC Gold Charge & Plat Travel. 💳👇🏻 I ran the numbers comparing: Buying via Amex GyFTR (with fees) Vs. Other https://t.co/4Vy6DeD6Df"
X Link 2025-08-02T05:13Z [---] followers, [--] engagements
"Stacked enough Gold from credit card hacks but confused whats next Don't know where to sell How to sell Heres a calm clear way to book profits no price prediction games needed. Welcome to #GoldDeal101 🧵👇"
X Link 2025-08-02T20:39Z [---] followers, 33.5K engagements
"For a long time weve all loved credit card hacks that let us stack gold at a discount But once your investment appetite is full a new question arises: Where do I sell now How do I trade this gold for profit Thats where this post kicks in"
X Link 2025-08-02T20:39Z [---] followers, [----] engagements
"This isn't just another "how to buy gold" thread. We're diving into: ✅ A simple trading strategy that works ✅ Trusted brands for gold buyback ✅ Buyback deductions & settlement time ✅ Real-world testing experience ✅ Taxation impact & precautions"
X Link 2025-08-02T20:39Z [---] followers, [----] engagements
"🪙 Buying Gold Is Easy Thanks to Credit Card Hacks & @GoldDealsIndia You've already mastered the art of stacking gold at a discount with Amazon Myntra Ajio and other platforms. But after a point you're done with investing. No matter how good the deal you hesitate"
X Link 2025-08-02T20:39Z [---] followers, [----] engagements
"Overall Process Time [--] minutes NEFT Settlement: Credited in [--] working days 💬 Verdict: Decent experience. Slightly more deduction than Joyalukkas but faster and less hassle"
X Link 2025-08-02T20:39Z [---] followers, [----] engagements
"3. Kalyan Jewellers: Preferred One Buyback Rate: 98% of declared gold rate Testing: No packet opening No melting Just basic verification"
X Link 2025-08-02T20:39Z [---] followers, [----] engagements
"Keep invoice names consistent to avoid rejection (especially at Joyalukkas). Buyback policies are brand-specific: Kalyan and Tanishq accept only their own coins for buyback. Other brand coins Only exchange No buyback. Avoid local jewellers unless you know them personally"
X Link 2025-08-02T20:39Z [---] followers, [----] engagements
"💸 Taxation Angle Profits on physical gold trades (capital gains) are taxable: Held [--] years Short-term capital gains Taxed at your slab Held [--] years Long-term capital gains 20% with indexation"
X Link 2025-08-02T20:39Z [---] followers, [----] engagements
"For frequent gold trading maintain clear records of all transactions. Since everything is digital and linked to your PAN its important to report these trades accurately in your ITR regardless of the amount involved"
X Link 2025-08-02T20:39Z [---] followers, [----] engagements
"📌 Disclaimer & Warning This thread is for educational purposes only. Please consult your CA or financial advisor before acting on any gold trading or selling strategy. Gold may feel safe but even smart plays carry risk"
X Link 2025-08-02T20:39Z [---] followers, [----] engagements
"Imagine selling all your gold then using credit card tricks to buy new gold online using gift cards. Suddenly the store cancels your order or stops allowing gift cards for gold. Now your money is stuck in vouchers and you dont have any gold either"
X Link 2025-08-02T20:40Z [---] followers, [----] engagements
"@Kenu73 Interesting What was the claim amount Also any experience of IPD claim"
X Link 2025-08-04T09:02Z [---] followers, [----] engagements
"💳 HDFC Spend-Based Offers Dont Miss Free Rewards HDFC Bank frequently rolls out spend-based offers for its Credit Cards but most users either miss activating them or forget to claim the rewards later. Don't forget to follow @CardNiti"
X Link 2025-08-04T14:04Z [---] followers, [----] engagements
"Bonus tip: search 🎁 in mailbox to see if you have any unclaimed offer. Don't forget to follow: @CardNiti 🔁 Bookmark this post and never miss another free reward from HDFC #CardNiti #ccgeek #ccgeeks Have you ever used or missed out on one of these👇"
X Link 2025-08-04T14:06Z [---] followers, [---] engagements
"Bonus Tip: If you have availed a major offer on your credit card consider postponing the closure until the benefit is actually received. Some redemptions require active card verification others dont. I closed one of my cards last month and just today got the voucher luckily this one didnt require card verification"
X Link 2025-08-04T14:49Z [---] followers, [---] engagements
"Rupay Select Debit Cards: Lounge OTT Spa Gym all for [--] Well thats the cost to your bank not you. But of course it comes with catches. Turns out its all part of a quiet game behind the scenes & the real numbers might surprise you. A Finance-Engg breakdown 🧵👇🏻"
X Link 2025-08-05T09:33Z [---] followers, 27K engagements
"@DARSHAN_2612 Online possible that's why I have added links 😅"
X Link 2025-08-05T18:35Z [---] followers, [--] engagements
"@Ja5090 Steps to follow - NetBanking BillPay Credit Card Payments Enable smartpay using your HDFC Plat DC For immediate updates: https://whatsapp.com/channel/0029VbBGrb7CRs1vgETD4H0g https://whatsapp.com/channel/0029VbBGrb7CRs1vgETD4H0g"
X Link 2025-08-06T03:08Z [---] followers, [--] engagements
"@pointperkspicks You can prepay using billdesk axis website I have url but I will recommend to google "axis credit card bill pay" then go-to billdesk do a small test billpay & see worked for me last month"
X Link 2025-08-06T06:27Z [---] followers, [---] engagements
"Input Tax Credit (ITC): Salaried: No scope for ITC. Personal expenses stay personal. Consultant: Can claim GST as ITC on laptops phones rent (if office used) subscriptions etc. Big cost optimization opportunity"
X Link 2025-08-06T13:56Z [---] followers, [---] engagements
"Perception & Access: Salaried: 24L ITR have better chance for premium credit cards term loans home loans etc. Banks love the stability. Consultant: Needs to show higher profit for similar perception. But flexible structure allows control over whats shown"
X Link 2025-08-06T13:56Z [---] followers, [---] engagements
"The most underrated reason to buy a health insurance policy Getting treatment at Agreed Network Hospital (ANH) rates. A semi-private AC room may cost [----] if you pay in cash But the same room costs just [----] if covered by insurance"
X Link 2025-08-08T18:06Z [---] followers, [---] engagements
"Business class tickets on points = great value Illusion: Burn all your points on luxury redemptions it's value per point game. Reality: Value is subjective. If you would not pay for business class with cash you are just inflating perceived savings. Maximizing utility Maximizing notional value. To judge real returns I prefer a fair value in the price at which I would be willing to acquire or encash more points"
X Link 2025-08-09T04:04Z [---] followers, [---] engagements
"@anjukkumar Yes & validity of coins is also less"
X Link 2025-08-09T09:12Z [---] followers, [--] engagements
"Asked Will the moratorium clause help too Replied Absolutely hope policy is [--] years old. Corrected Its now [--] years as per recent changes Reviewed everything & drafted a reconsideration letter citing relevant clauses my rights as a consumer & applicable legal sections"
X Link 2025-08-09T18:05Z [---] followers, [---] engagements
"Day [--] [--] AM Sent the letter to insurance grievance and support teams. (Until this point the hospital hadnt submitted claim details to the insurer.) Day [--] [--] PM Hospital uploaded claim details. Claim [--] Amount: 2x Within [--] hour received initial approval for 1x"
X Link 2025-08-09T18:05Z [---] followers, [--] engagements
"To this day It is unsure if the letter worked like magic but how could a company deny 0.5x two days ago and now approve 1x without any queries Eventually the situation worsened but the company did no harm. They settled the claim for 7x (entire sum insured exhausted)"
X Link 2025-08-09T18:06Z [---] followers, [--] engagements
"Hospital sent along with the diagnosis & supporting documents. Within [--] hour the claim was approved. Initial approval of 1x received. Dont have proof the letter did any magic but if it wasnt that then what else could be reason for back to back approvals"
X Link 2025-08-09T18:06Z [---] followers, [--] engagements
"Cant emphasize enough how relieving such approvals are during emergencies. Recommendations: Buy health insurance early when you're fit and healthy. This allows you to complete the moratorium period without complications. Invest time in understanding policy wordings & applicable terms and conditions. Always pay attention to detail and act smart. If advisor support is available good; if not dont delay sometimes quick action matters a lot. When you show that you know all the clauses understand your rights and are ready to fight companies if theyre at fault usually prefer not to escalate the"
X Link 2025-08-09T18:06Z [---] followers, [---] engagements
"@NIKHILLJHA Hey Nikhil [--]. Do companies handle claims differently before and after the moratorium period [--]. If Claim A exhausts the sum insured and restoration kicks in and I make Claim B for a different ailment can I still claim post-hospital expenses related to Claim A under Claim B"
X Link 2025-08-10T03:04Z [---] followers, [--] engagements
"Check your old CRED account if its been idle for a while you might get ✅ [---] cashback. ✅ BigBasket [---] GV @ 70% off ✅ Myntra [----] GV @ 2% off + 3% CB ✅ Ensure the merchant name is DREAMPLUG for an extra 5% CB with SBI CB card or use Atlas"
X Link 2025-08-10T05:31Z [---] followers, [----] engagements
"Financial literacy = Immunity from bad decisions Illusion: I know the risks so I wont mess up. Reality: Behavioral traps (FOMO overconfidence anchoring) catch even the smartest. Process and discipline beat pure knowledge"
X Link 2025-08-11T03:02Z [----] followers, [---] engagements
"@FinPaal @kishorefinance True check reddit as well. But the best hacks They come from self-experimentation the kind that never goes mainstream nobody talks about and still works quietly in the background"
X Link 2025-08-11T05:18Z [---] followers, [----] engagements
"@RakshitSomani @man1sh_golcha @credofly Absolutely 💯 Illusion: You should always aim to be debt-free All debt are bad. Reality: Strategic use of low-cost debt (like home loans) & business loans can help you grow wealth if used responsibly. The goal is smart leverage not total avoidance if you know how to manage"
X Link 2025-08-11T06:50Z [----] followers, [---] engagements
"Multi-dip opportunities any day Instant discounts + CC rewards + interest-free credit + rewards on bill pay. Recently had an unfortunate emergency with prolonged hospitalization. Sum insured got exhausted & had to make 10L+ payments. Swiped [--] Amex PT then Axis Atlas peace of mind knowing bills are due after [--] to [--] days and rewards rolling in on top"
X Link 2025-08-11T08:17Z [----] followers, [---] engagements
"Air India Points Chart 25% Off Sale ✈ 📅 Booking: [--] Aug [--] Aug [----] 📅 Travel: [--] Aug [--] Sep [----] Kudos to @ccg33k for the data"
X Link 2025-08-12T07:43Z [----] followers, 14.9K engagements
"Game on free of cost 🎾 New to Hudle Sign up & book your first Pickleball or Padel game FREE (worth up to 825) with your Visa Credit Card. ✅ Use code: VISAHUDLE 📅 Valid till Sept [--] [----] 💳 Visa Credit Card only 📲 Download: Ref Code: UECP37R https://hudle.page.link/C5gKBua6BonewVNc8 https://hudle.page.link/C5gKBua6BonewVNc8"
X Link 2025-08-12T16:58Z [---] followers, [--] engagements
"Game on free of cost 🎾 New to Hudle Sign up & book your first Pickleball or Padel game FREE (worth up to 825) with your Visa Credit Card. ✅ Use code: VISAHUDLE 📅 Valid till Sept [--] [----] 💳 Visa Credit Card only 📲 Download: Ref Code: UECP37R https://hudle.page.link/C5gKBua6BonewVNc8 https://hudle.page.link/C5gKBua6BonewVNc8"
X Link 2025-08-12T16:59Z [---] followers, [---] engagements
"@creditkeeda I prefer something like fair value in terms value at which I am willing to acquire/encash points. For Marriott it's [---] & for Accor it's [---] (could vary person to person). Couldnt agree more 💯 with the last part"
X Link 2025-08-12T17:27Z [---] followers, [---] engagements
"@creditkeeda Bro I totally got your point For me axis atlas returns for base spends are 2x2x1.4 5.6% reason for the same is I can encash points at that value anyday :) Like to underestimate & swipe freely"
X Link 2025-08-12T17:35Z [---] followers, [---] engagements
"What is your annual spend on credit cards #not4ccgeeks Upto 2L 2L to 5L More than 8L 5L to 8L Upto 2L 2L to 5L More than 8L 5L to 8L"
X Link 2025-08-14T00:41Z [----] followers, [---] engagements
"How many paid credit cards would you prefer to hold to optimise rewards & unlock perks None - Only LTF [--] to [--] paid cards [--] or more [--] to [--] paid cards None - Only LTF [--] to [--] paid cards [--] or more [--] to [--] paid cards"
X Link 2025-08-14T00:41Z [----] followers, [---] engagements
"Whats your preferred type of credit card rewards Cashback Flights & Hotels Mix of both Cashback Flights & Hotels Mix of both"
X Link 2025-08-14T00:41Z [----] followers, [---] engagements
"PhonePe SBI Select Black The Most Exciting PhonePe CC Forget the other [--] PhonePe cards this is the one worth your attention. Heres why it might even replace SBI Cashback despite a lower cashback cap"
X Link 2025-08-14T18:28Z [----] followers, 25.8K engagements
"How to Apply: Still seeing Coming Soon on PhonePe for SBI CCs Skip the wait apply directly through official issuer links 🔹 SBI PhonePe Select (Black) 🔗 💡 Tip: You can choose Visa or RuPay during application This is official SBI Sprint link. http://sbicard.com/sprint/PhonepeSelect http://sbicard.com/sprint/PhonepeSelect"
X Link 2025-08-14T18:28Z [----] followers, [----] engagements
"If this review helped you see why the SBI PhonePe Select Black stands out: ❤ Like 🔁 Retweet 🔖 Bookmark for reference Follow @CardNiti for in-depth credit card breakdowns & smart spend strategies 💳✨ #ccgeeks #CardNiti #ccgeek"
X Link 2025-08-14T18:28Z [----] followers, [----] engagements
"@FinPaal @SartanparaYash Its basically a checkout loophole. Similar to the old Amazon days when credit card No Cost EMI wasnt common Bajaj No Cost EMI was the mainstream option and only a few products were eligible. But if you knew the workaround you could get anything on No Cost EMI through it"
X Link 2025-08-15T11:16Z [----] followers, [---] engagements
"The simplest credit card play Cashback Card Gift Cards Covers nearly every spend even utilities pays real cash back zero mental math. In this new cashback era Only [--] cards truly stand out with high reward caps 🧵👇🏻"
X Link 2025-08-15T17:46Z [----] followers, 35.9K engagements
"Cashback Card Gift Card Plays (Some Regular Deals) MMT Hotel GC @ 14% off + 5% CC cashback via Magicpin Dominos GC @ 16% off + 5% CC cashback via Magnify Amazon Pay GC @ 0.4% off + 5% CC cashback via Cred (for utilities)"
X Link 2025-08-15T17:46Z [----] followers, [----] engagements
"Limited-time deals on CRED (low value high discount frequent): Flipkart GC @ 6% off Uber/Zomato GC @ 10% off Myntra GC @ 2% off + 3% CB Yatra GC @ 90% off Zepto GC @ 8% off Extra 5% CB on all with a cashback card"
X Link 2025-08-15T17:46Z [----] followers, [----] engagements
"@DealsDhamaka That's so good to hear sir I always thought you are into finance any hints 🤔"
X Link 2025-08-15T19:01Z [----] followers, [---] engagements
"@oshoodev Yep no point in keeping axis ace if you have Sbi Cashback. https://x.com/CardNiti/status/1956412268893135056t=K0rN21pdQ3FGz0bBfzDfJg&s=19 Cashback Card Gift Card Plays (Some Regular Deals) MMT Hotel GC @ 14% off + 5% CC cashback via Magicpin Dominos GC @ 16% off + 5% CC cashback via Magnify Amazon Pay GC @ 0.4% off + 5% CC cashback via Cred (for utilities) https://x.com/CardNiti/status/1956412268893135056t=K0rN21pdQ3FGz0bBfzDfJg&s=19 Cashback Card Gift Card Plays (Some Regular Deals) MMT Hotel GC @ 14% off + 5% CC cashback via Magicpin Dominos GC @ 16% off + 5% CC cashback via"
X Link 2025-08-15T19:52Z [----] followers, [--] engagements
"@creditkeeda Yes sir absolutely With these new players leveraging favourable MCCs It is easy to get 5% cashback or even 5% EM on Atlas. Honestly this is the best period I have seen for the credit card rewards gift card play"
X Link 2025-08-16T02:52Z [----] followers, [--] engagements
"@oshoodev Axis Atlas: 5% EM on direct flights hotels & axis travel edge portal. If converted to Accor thats [--] Accor points currently [--] Accor point [--]. Another good option is Amex Plat Travel"
X Link 2025-08-16T03:17Z [----] followers, [--] engagements
"A simple trick to avoid extra charges is using redirection from Google Flights The final pricing stays the same as shown on Google Flights. Any convenience fee is either not applied or offset by an automatically applied coupon. Personally Ive found this to be the best way to compare flight tickets and book at the cheapest fare without paying extra fees. The hidden cost of flight tickets: convenience fees. A quick comparison of what different platforms are charging. #travel #flights #conveniencefee https://t.co/0RPMEJCOCE The hidden cost of flight tickets: convenience fees. A quick comparison"
X Link 2025-08-16T09:35Z [----] followers, 47.6K engagements
"@taditdash Thats why I love Zomato both instant discount and bank discount coupons apply. I thought they would devalue this & make it like swiggy & others but its still going on"
X Link 2025-08-16T12:55Z [----] followers, [---] engagements
"Stock went from [---] to [--] to 300+ but the offers Always bang on. Make sure you click on Update Coupons if you want to apply multiple on Zomato. It is easy to ignore Share if you care. ♻ PS: I am still using AXISNEO.😍🥂 #ccgeeks #ccgeek #Zomato https://t.co/brPAnwGiXM Make sure you click on Update Coupons if you want to apply multiple on Zomato. It is easy to ignore Share if you care. ♻ PS: I am still using AXISNEO.😍🥂 #ccgeeks #ccgeek #Zomato https://t.co/brPAnwGiXM"
X Link 2025-08-16T12:59Z [----] followers, [----] engagements
"@FinPaal Swiggy Insta w Swiggy HDFC Bigbasket w Airtel Axis I think we need a Blinkit CC now"
X Link 2025-08-16T13:10Z [----] followers, [---] engagements
"Closed Axis Ace recently. Its too easy to get 5% cashback on Amazon Pay vouchers so a dedicated card with a [---] cashback limit for utility doesnt deserve a spot. The simplest credit card play Cashback Card X Gift Cards Axis Ace cardholders Paying utility bills via Google Pay no longer comes with extra charges 💳⚡ Win for you 👍 Axis Ace cardholders Paying utility bills via Google Pay no longer comes with extra charges 💳⚡ Win for you 👍"
X Link 2025-08-17T03:51Z [----] followers, 20.2K engagements
"@gauravwankhede I found google flights cheaper 7/10 times rather than going to any specific app. Booked from adanione also but it was redirected from Google Flights for Zero fee CC rewards on top"
X Link 2025-08-17T05:19Z [----] followers, [---] engagements
"@22Yardsobia Amex PT & Atlas"
X Link 2025-08-17T06:40Z [----] followers, [---] engagements
"Secure your Accor nights before theyre gone 👇🏻 Mandatory drill for today. Accor two factor authentication. Step by step information. 🧵 🔖♻ #ccgeeks #accor Mandatory drill for today. Accor two factor authentication. Step by step information. 🧵 🔖♻ #ccgeeks #accor"
X Link 2025-08-18T07:17Z [----] followers, [---] engagements
"@noyes99 @contliving If even insurance isnt optional maybe its time to explore other options 🙌🏻"
X Link 2025-08-18T07:49Z [----] followers, [--] engagements
"@Nareshkjs @joinxclusive @FinPaal Help us & our followers get PhonePe Sbi Select Black CC + Sbi CB CC we will take care of the rest 🙌🏻 @FinPaal @taditdash @prashantnhn @VijayReddy_22"
X Link 2025-08-18T09:06Z [----] followers, [---] engagements
"@Nareshkjs @FinPaal @joinxclusive @taditdash @prashantnhn @VijayReddy_22 Le Sbi Cards: Bring your cards below [--] and keep your total credit limit less than your CTC then well think about it 😅 Just kidding"
X Link 2025-08-18T10:07Z [----] followers, [---] engagements
"@FinPaal @Nareshkjs @joinxclusive @elonmusk 🤣 🚀"
X Link 2025-08-18T10:33Z [----] followers, [--] engagements
"✈ The rewarding credit card play Milestone Card Gift Cards Covers nearly every spend even utilities pays in luxury travel needs smart redemptions. In this new premium CC era these [--] cards truly stand out with strong rewards & relatively low fees 🧵👇🏻"
X Link 2025-08-18T16:44Z [----] followers, 77K engagements
"Redemption: Amex PT Stmnt Credit: [----] pp ❌ 24k Gold Collection (w MRCC / Gold): Amazon GV: [----] pp ❌ Taj GV: [----] pp ✅ ✅ Transfer Partners: [--] x 🏨 [--] x ✈ Best via Marriott 1:1 ✅ (fair value [---] to 1/pt) Bonus: 5th night free on 4-night Marriott bookings"
X Link 2025-08-18T16:44Z [----] followers, [----] engagements
"Redemption & Limits: Atlas Travel Edge: 1:1 ❌ ✅ Transfer Partners: Group A & B Marriott: 2:1 ❌ Multiple Hotel & Airlines: 1:2 ✅ Best: Accor 1:2 ✅ [--] EM = [--] Accor Pts [--] (2k accor pts = 40) Limits : Group A : 30k B : 1.2L (per calendar year)"
X Link 2025-08-18T16:44Z [----] followers, [----] engagements
"Exclusions: Amex PT: Utilities fuel & insurance excluded (but still count for milestones) Axis Atlas: Govt. fuelrent jewellerywalletutilities insurance education excluded (base + milestone)"
X Link 2025-08-18T16:44Z [----] followers, [----] engagements
"@GOURANGA15 @grok Waiting for grok to do the job if it don't then will declare randomly tonight. https://x.com/CardNiti/status/1957771410476081577t=uShW_zq5vBrPZP7TCngEgg&s=19 @grok List of participants: @VIJAIKS1 @GOURANGA15 @siddharthj2011 @i_amsriram23 @saurabh_kul16 @saifee25 @pdjsr001 @naumanshah03 @ankitdewan @SilentAssasin04 @CardsavvyIndia @dglaxminarayana @amitrathi_ @VIJAIKS1 @AkashRathi92 @amit_i_am @Cardbaaz @grok please select any [--] handle https://x.com/CardNiti/status/1957771410476081577t=uShW_zq5vBrPZP7TCngEgg&s=19 @grok List of participants: @VIJAIKS1 @GOURANGA15"
X Link 2025-08-19T12:00Z [----] followers, [--] engagements
"Hey Short answer is conversion ratio. To compare fairly we first need to bring both cards into the same unit. Regalia Gold [--] pts / [---] = 2.66% pts Conversion to Accor (1:0.5) = 1.33% Accor pts Axis Atlas [--] pts / [---] = 2% pts Conversion to Accor (1:2) = 4% Accor pts I dont hold Regalia Gold myself just skimmed through the docs so I could be slightly off. But from this it looks quite clear why Axis Atlas comes out superior"
X Link 2025-08-19T16:45Z [----] followers, [--] engagements
"@creditkeeda Sir clearly mentioned it in terms for Accor. Since every other ccgeek post shows HSBC returns in Accor need to follow the same units for ease of understanding"
X Link 2025-08-20T04:18Z [----] followers, [----] engagements
"Yes youre right but I have come across some interesting terms & conditions so I didnt explicitly mention what you stated. Best Price Guarantee: valid for the next [--] hours Price Drop Protection: valid for [--] days up to [----] That said I havent personally experienced what HSBC is claiming either. @CardNiti Accelerated for travel spends only through HSBC portal which charges a premium compared to other portals - offsets overall earning. Something worth mentioning Most of us (incl you) prefer to book our flights directly thro airlines - TravelOne is not very rewarding vs Atlas here @CardNiti"
X Link 2025-08-20T04:34Z [----] followers, [----] engagements
"Haha so true & it wont be an 80% earning opportunity for a lot of folks if they actually have to swipe their cards iykyk 😅 @FinPaal @CardNiti Yes but when they redeem these points no one will mention they lost 80% earning opportunity. Sed but true. 🥲🥲 https://t.co/G9AQF18397 @CardNiti Yes but when they redeem these points no one will mention they lost 80% earning opportunity. Sed but true. 🥲🥲 https://t.co/G9AQF18397"
X Link 2025-08-20T05:25Z [----] followers, [---] engagements
"So switching to ALL app is rewarding for now Upto [----] bonus points for first signup & login"
X Link 2025-08-21T04:08Z [----] followers, 11.1K engagements
"Accor ALL is running a limited-time promo: ✅ First-time login on the ALL app Bonus Reward Points (based on your tier) Silver [---] pts Gold [---] pts Platinum [---] pts Diamond & above [----] pts 📅 Offer period: [--] Jul [--] Sep [----] Classic tier is not eligible"
X Link 2025-08-21T04:08Z [----] followers, [----] engagements
"Bonus tip: If your status upgrade is pending (or youve stacked memberships for Platinum) wait till the upgrade reflects Easy [---] pts for Platinum. @SartanparaYash 🔁 Repost will help more folks grab the offer. #ccgeeks #ccgeek #CardNiti #accor"
X Link 2025-08-21T04:08Z [----] followers, [---] engagements
"Dont be surprised if you start seeing Jupiter Edge+ recommendations and reviews everywhere 😅 🚨 New referral in town 🚨 Jupiter Edge+ RuPay Credit Card is now giving: ✅ [---] for your friend ✅ [----] for you ✅ 5th referral = Free AirPods worth 12K 🤯 Use the referral code : Tv2bJ5 Worth a look 👇 @imYadav31 @EvryPaisaMatter https://t.co/I1a3KD7xX9 🚨 New referral in town 🚨 Jupiter Edge+ RuPay Credit Card is now giving: ✅ [---] for your friend ✅ [----] for you ✅ 5th referral = Free AirPods worth 12K 🤯 Use the referral code : Tv2bJ5 Worth a look 👇 @imYadav31 @EvryPaisaMatter https://t.co/I1a3KD7xX9"
X Link 2025-08-21T15:41Z [----] followers, [---] engagements
"Just in case anyone hasnt claimed their FREE Swiggy money after being on Swiggy One / Black"
X Link 2025-08-21T15:54Z [----] followers, [----] engagements
"Congratulations bro 🥳 Getting featured within a month is no joke 🫡 Read it here : @FinPaal Appreciation post done bhai DM me the hack now. http://tinyurl.com/EconomictimesFinpal Day [--] with FinPal 💳 Ever wondered how online portals instantly check if a credit card number is valid & How bank-specific offers are applied instantly Lets break down how credit card numbers are generated in this thread 🧵👇 1/n https://t.co/VrryTzjH0r http://tinyurl.com/EconomictimesFinpal Day [--] with FinPal 💳 Ever wondered how online portals instantly check if a credit card number is valid & How bank-specific"
X Link 2025-08-22T04:07Z [----] followers, [----] engagements
"@rishabhgokhru Yes & keep mobile number common in both Swiggy & Marriott"
X Link 2025-08-22T10:33Z [----] followers, [---] engagements
"Canara Bank Appreciation Post 🙌🏻 Didnt expect this from a PSU bank But this was too good to be true ✅ End-to-end online process ✅ Applied SB General a/c online & Rupay Select DC option right there ✅ KYC on 14th Aug got a/c details & mobile banking instantly ✅ DC generated on 19th Aug virtual card instant access got physical card passbook & wallet delivered today i.e. 22nd Aug. Smoothest PSU bank experience I have had. Now the exciting part Rupay Select Debit perks ✨"
X Link 2025-08-22T16:41Z [----] followers, 31.1K engagements
"@Shadow_Investor SB General"
X Link 2025-08-23T04:51Z [----] followers, [--] engagements
"@AnirudhKejriwal @DealDigger_ Had a similar experience with BOM banks act fast once an RBI complaint is filed. Even though mine was closed (since I didnt wait the full [--] days) BOM still took a letter from me stating the issue was resolved & that I was officially withdrawing the complaint"
X Link 2025-08-23T05:16Z [----] followers, [--] engagements
"The simplest credit card play Credit Cards Gift Cards Are you still swiping your credit card directly at store machines Or paying directly on shopping websites 🛍💳 If yes youre clearly leaving rewards on the table 🚨 Let me explain how to fix this 🧵👇 Visit This Link: https://t.co/wpnUkJJlxB https://t.co/HnSmDvkTKL Are you still swiping your credit card directly at store machines Or paying directly on shopping websites 🛍💳 If yes youre clearly leaving rewards on the table 🚨 Let me explain how to fix this 🧵👇 Visit This Link: https://t.co/wpnUkJJlxB https://t.co/HnSmDvkTKL"
X Link 2025-08-23T07:31Z [----] followers, [----] engagements
"API users check this 👇🏻 🔗 🔗 http://all.accor.com/a/masters/translated-master/language-master/offers/boost-your-points-select.html http://all.accor.com/a/en/offers/boost-your-points-essential---winter-offer.html ACCOR - ALL - Boost your points [----] points Offer period up to Aug [----] [----] points offer period upto Feb [----] #ccgeek #Travel https://t.co/8siwdtqOfy http://all.accor.com/a/masters/translated-master/language-master/offers/boost-your-points-select.html http://all.accor.com/a/en/offers/boost-your-points-essential---winter-offer.html ACCOR - ALL - Boost your points [----] points Offer"
X Link 2025-08-23T08:47Z [----] followers, [----] engagements
"@aman6490 Is it actually allowing you to book with the same half miles I noticed the same a few days back but when I tried to book the fare refreshed to the actual requirement. Looks more like a cache issue between the app and website depending on which one isnt updated"
X Link 2025-08-23T09:35Z [----] followers, [----] engagements
"Why Amex Plat Travel is a no-brainer Even if you do the whole 4L through a wallet the equation sill looks like: 48k MR points @ [----] per point Taj Stay GV 10k against [----] fees With Flipkart x Marriott you can easily redeem each MR point @ [----] 🧵👇🏻 ✈ The rewarding credit card play Milestone Card Gift Cards Covers nearly every spend even utilities pays in luxury travel needs smart redemptions. In this new premium CC era these [--] cards truly stand out with strong rewards & relatively low fees 🧵👇🏻 https://t.co/u7k6KGzyMU ✈ The rewarding credit card play Milestone Card Gift Cards Covers"
X Link 2025-08-23T15:27Z [----] followers, 71.6K engagements
"How to get [----] per MR point MR to Marriott at 1:1 Marriott to SuperCoins at 2:1 Details 👇🏻 https://x.com/FinPaal/status/1958444118067298745t=gTiysf-8IUGredDw9hXrVg&s=19 https://x.com/FinPaal/status/1958444118067298745t=gTiysf-8IUGredDw9hXrVg&s=19 💰 Fair Values: [--] MB = [----] (In rare cases it goes up to 1-2) [--] SC [--] (in most redemptions) Transfer Ratios: [--] MB = [--] SC ✅ Okay fair [--] SC = [--] MB ❌ SC drops to [----] So unless your SC balance is about to expire avoid converting SC into MB. https://x.com/FinPaal/status/1958444118067298745t=gTiysf-8IUGredDw9hXrVg&s=19"
X Link 2025-08-23T15:27Z [----] followers, [----] engagements
"@rujhan_arora_ Hey Please Go thru the whole post I have shown one usecase where supercoins can be used for flight booking As of now 100% upto 5k. Also you can keep them Marriott there itself point value remains [----] to [--] if you consider marriott stays"
X Link 2025-08-24T04:22Z [----] followers, [---] engagements
"@logurrb It was visible in mobile banking & I enabled mobile banking using adhaar authentication Someone reported that iOS don't support adhaar authentication"
X Link 2025-08-24T06:38Z [----] followers, [--] engagements
"@aman6490 @Vgdktk Hey @aman6490 Please share your decision with me also. I am also not sure about it exploring realistic value of indigo bluchips"
X Link 2025-08-24T06:46Z [----] followers, [---] engagements
"Uber One is the most exciting membership in a while. Here is why 🧵👇🏻"
X Link 2025-08-26T03:05Z [----] followers, [----] engagements
"UberOne 💸 10% Uber credits back on all rides (except Rental & Intercity where you get 1% back) capped at [---] per trip. 💳 Uber GC often available at 10% instant discount + CC rewards on top. 🔁 Credits auto-apply on your next ride but cant be used for Auto & Courier"
X Link 2025-08-26T03:05Z [----] followers, [---] engagements
"When it comes to daily rides which one do you prefer 🤔 #CardNiti #ccgeek #ccgeeks Uber 🚖 Ola 🚘 Self drive 🫶🏻 Rapido 🚕 Uber 🚖 Ola 🚘 Self drive 🫶🏻 Rapido 🚕"
X Link 2025-08-26T03:13Z [----] followers, [---] engagements
"New to credit cards Start here 👇🏻 Just starting your credit card journey 💳✨ This thread is for beginners who want to play the game smart avoid debt traps & maximize rewards. Lets go 🚀👇 Just starting your credit card journey 💳✨ This thread is for beginners who want to play the game smart avoid debt traps & maximize rewards. Lets go 🚀👇"
X Link 2025-08-26T07:44Z [----] followers, [----] engagements
"🚨Axis Atlas 🌍 Pre-approved route is working as of now. 🚨 Axis Atlas 🌍 Pre-approved is the only working route Axis atlas is not showing up for fresh application. Credits: @yogkalayogi https://t.co/Mti1Yt7DBV 🚨 Axis Atlas 🌍 Pre-approved is the only working route Axis atlas is not showing up for fresh application. Credits: @yogkalayogi https://t.co/Mti1Yt7DBV"
X Link 2025-08-26T14:40Z [----] followers, 12.4K engagements
"Points redemptions feel like free stays or flights. But every swipe annual fee and lost cashback had a price. Are they free rewards or just prepaid in another form Its value unlocked not value created out of thin air"
X Link 2025-08-27T04:47Z [----] followers, [---] engagements
"Hearing an investment grew 4x sounds exciting. But without knowing if it took [--] years or [--] the number alone hides the real story. Time decides whether 4x is magic or just average. It could be real-estate mutual fund or any equity"
X Link 2025-08-27T04:47Z [----] followers, [---] engagements
"Basically its always a framing bias: Free = Already prepaid Interest-free = Cost hidden elsewhere Cashback = Capped Big number = Denominator ignored (time risk caps or real value)"
X Link 2025-08-27T04:47Z [----] followers, [---] engagements
"Key financial terms worth exploring to avoid fin. traps : [--]. Rate of Interest [--]. Rate of Return [--]. XIRR / CAGR [--]. Opportunity Cost [--]. Liquidity [--]. Risk vs Reward [--]. Inflation [--]. Compounding [--]. Time Value of Money [--]. Expense Ratio / Fees [--]. Lock-in Periods [--]. Tax Efficiency"
X Link 2025-08-27T04:47Z [----] followers, [---] engagements
"Some X handles arent about personal finance but I discovered a surprising amount of financial wisdom through limited interactions mostly in the comments : @RakshitSomani @creditkeeda @DealsDhamaka @VVikiLuxe @man1sh_golcha @FinPaal @SartanparaYash @ankitdewan"
X Link 2025-08-27T04:47Z [----] followers, [---] engagements
"@RakshitSomani @creditkeeda @DealsDhamaka @VVikiLuxe @man1sh_golcha @FinPaal @SartanparaYash @ankitdewan Interest-free home loans or return-of-premium schemes look tempting but theyre not 👇🏻 https://x.com/CardNiti/status/1960564796547371174t=q3l6hJkI27WndpJJKVxqUw&s=19 Thats the trap. We look at headline numbers instead of net effective outcome. And this isnt just about a GV. Here are some bigger examples 👇🏻 https://x.com/CardNiti/status/1960564796547371174t=q3l6hJkI27WndpJJKVxqUw&s=19 Thats the trap. We look at headline numbers instead of net effective outcome. And this isnt just about a"
X Link 2025-08-27T04:48Z [----] followers, [---] engagements
"@ankitdewan @prashantnhn @FinPaal Sir do you consider expense ratio as investment Or just the SIP amount"
X Link 2025-08-27T15:46Z [----] followers, [--] engagements
"@aditya_credfin Isn't negative means loss Are you saying negative growth rate is not possible Or it's imperfect to declare it What's your approach in general"
X Link 2025-08-27T17:24Z [----] followers, [---] engagements
"No sir This formula won't work at all. Like if you get profit of [----] using CC with fee [---] & on spends of [-----] Then by this formula it's [----] / [---] = 900% 😐 Base / Deno. should always be actual spends against which you get any value / service. Num. ideally should be net rewards but considering annual fee as subscription fee is also works well as it provide other perks as well"
X Link 2025-08-27T18:51Z [----] followers, [--] engagements
"@aditya_credfin Haha then we need multiple metrics here 😅 Return on fee invested = 900% Return on spends post fee adjustment = 9% Return on spends w/o fee adjustment = 10% Absolute profit is [----] everything else is just wordplay. This one I will prefer 👇🏻 https://x.com/creditkeeda/status/1960768900527788302t=eNIN5SlcpqWTr7CAtPixTw&s=19 Card fee is like a subscription for me. Just like Netflix I dont calculate what I paid vs how much I saved on each movie or series I watched. I only look at the overall value Im getting. Numbers matter only when Im comparing two cards and then the key is to"
X Link 2025-08-27T19:05Z [----] followers, [--] engagements
"Ok mihir Interesting take but I have a question. By your logic if I invest [---] in mutual funds there is expense ratio of [--] Then do mutual funds consider base of [---] for returns calc. or actual [---] only I think they follow net returns (gross - expenses) on the base of actual investment. I think annual fee is like operating charges only. @rhoeshan your views are needed sir"
X Link 2025-08-28T02:40Z [----] followers, [--] engagements
"@mihirshah161281 @SartanparaYash Really I always assumed that if my 10k investment grows to 12k in a year that's a 20% return. Since expense ratio is already adjusted in the daily NAV it's factored in automatically. The only thing that can further impact returns would be exit charges if applicable"
X Link 2025-08-28T03:35Z [----] followers, [--] engagements
"Why [--] profit on [---] instead of [--] on [---] Like you did [---] profit on [-----] instead of [-----] Also NAV is declared after expense ratio adjustment only on daily basis. So if it's appreciated to [---] it's 10% net return only Gross return = net return + expense ratio"
X Link 2025-08-28T03:41Z [----] followers, [--] engagements
"@EvryPaisaMatter Sir there is Atlas to ITC to Marriott option at effective 1:3 conversion ratio. Limitation of 10k ITC Green points per quarter & long tranfer time"
X Link 2025-08-28T18:28Z [----] followers, [---] engagements
"The Don Killer 😎 Axis Cashback CC Here are the top [--] reasons why I choose this over Sbi Cashback 🧵👇🏻 The simplest credit card play Cashback Card Gift Cards Covers nearly every spend even utilities pays real cash back zero mental math. In this new cashback era Only [--] cards truly stand out with high reward caps 🧵👇🏻 The simplest credit card play Cashback Card Gift Cards Covers nearly every spend even utilities pays real cash back zero mental math. In this new cashback era Only [--] cards truly stand out with high reward caps 🧵👇🏻"
X Link 2025-08-29T05:30Z [----] followers, 46.9K engagements
"@FinPaal @EvryPaisaMatter That's true but why to do direct travel spends when : https://x.com/CardNiti/status/1956412209048814015t=zWO-z3AoTwUTQ5qd35yK1A&s=19 The simplest credit card play Cashback Card Gift Cards Covers nearly every spend even utilities pays real cash back zero mental math. In this new cashback era Only [--] cards truly stand out with high reward caps 🧵👇🏻 https://x.com/CardNiti/status/1956412209048814015t=zWO-z3AoTwUTQ5qd35yK1A&s=19 The simplest credit card play Cashback Card Gift Cards Covers nearly every spend even utilities pays real cash back zero mental math. In this"
X Link 2025-08-29T05:48Z [----] followers, [--] engagements
"Do you have bank account with HSBC 🤔 Dont know how but few businessmen 🧑💼 managed to get HSBC TravelOne Credit Card 💳✈ approved 🤯 Heard its tough if youre not salaried 💼❌ Apply Now: https://t.co/1J3CXUNKZY But looks like some exceptions are happening 👀 👉 If youre self-employed/businessman maybe worth https://t.co/YJyb8xvLYs Dont know how but few businessmen 🧑💼 managed to get HSBC TravelOne Credit Card 💳✈ approved 🤯 Heard its tough if youre not salaried 💼❌ Apply Now: https://t.co/1J3CXUNKZY But looks like some exceptions are happening 👀 👉 If youre self-employed/businessman maybe"
X Link 2025-08-29T10:43Z [----] followers, [----] engagements
"CAAS (Credit Cards as a Service) launch ho gaya kya Happy to pay 10k + GST if I can get BizBlack EPM Premier Infinia & more in one shot. @imYadav31"
X Link 2025-08-30T09:58Z [----] followers, [----] engagements
"Myntra maths for Kalyan Gold Coin 🪙 CC Rewards Extra (Min. 5% w Sbi CB) CC Billpay Rewards Extra (Min. 1%) How to get Myntra GV at 5.5% Off Check quoted post 👇🏻 Every once in a while a new player enters the rewards market & shakes things up ⚡ This time its @thezavo .a platform that rewards you with cashback upto Rs [----] rewards for paying your credit card bills & loan EMIs 💳🚀 And the cherry on top The gift voucher game 🎁 Let https://t.co/tkXG66S2rH Every once in a while a new player enters the rewards market & shakes things up ⚡ This time its @thezavo .a platform that rewards you with"
X Link 2025-08-30T13:46Z [----] followers, 11.8K engagements
"🥳 Flipkart Big Billion Days 🛍 📅 Tentative start date: 20th Sept 🗒 Key things to grab the best discounts: 💳 Credit Cards : Axis & ICICI for instant discounts (officially announced) 💎 Axis has both Milestone & Cashback cards. If you know how to double dip 😎 🎯 Supercoins : You often get amazing discounts in exchange for [------] Supercoins so keep them handy. 👑 Flipkart VIP : VIP membership is advertising a 15% discount during the sale so there might be additional offers for VIP members. The membership itself also comes with its own perks. 💠 Bonus: Access to GST or someone you know who"
X Link 2025-08-30T14:56Z [----] followers, [----] engagements
"🥳 Flipkart Big Billion Days 🛍 💳 Credit Cards : Axis & ICICI for instant discounts (officially announced) 💎 Grab Axis Cashback for double dip 😎 Details here 👇🏻 The Don Killer 😎 Axis Cashback CC Here are the top [--] reasons why I choose this over Sbi Cashback 🧵👇🏻 https://t.co/4003we5sp8 The Don Killer 😎 Axis Cashback CC Here are the top [--] reasons why I choose this over Sbi Cashback 🧵👇🏻 https://t.co/4003we5sp8"
X Link 2025-08-30T15:15Z [----] followers, [---] engagements
"🥳 Flipkart Big Billion Days 🛍 💳 Credit Cards : Axis & ICICI for instant discounts (officially announced) 💎 Grab Axis Atlas for double dip 😎 Pre-approved route working details here 👇🏻 🚨Axis Atlas 🌍 Pre-approved route is working as of now. https://t.co/g0yqjUV3ta 🚨Axis Atlas 🌍 Pre-approved route is working as of now. https://t.co/g0yqjUV3ta"
X Link 2025-08-30T15:19Z [----] followers, [---] engagements
"🥳 Amazon : Great Indian Festival 🛍 📅 Tentative start date: 20th Sept 🗒 Key things to grab the best discounts: 💳 Credit Cards : Sbi for instant discounts (officially announced) 💎 Try for PhonePe SBI Select Black for a chance to double dip 😎 🎯 Amazon Prime : For early access exclusive deals & discounts. Grab atleast Prime Shopping Edition often available for [---] with offers. 💰 Amazon Pay Gift Vouchers : If you already get 10% reward points & have shopping plans load up to [--] lakh (DYOR) 💠 Bonus : Access to an Amazon Business Account (or through someone you know). Extra cashback + GST"
X Link 2025-08-30T15:59Z [----] followers, [----] engagements
"I was wondering why Satish Sir closed Amex Plat Travel 🤔 For me it has always been a No Brainer. But with SBI Aurum in play the dots connect now. Dont worry Amex PT is still a No Brainer ✅ Note this : For Sbi Aurum total cards [--] + other T&Cs apply. 💰AURUM Joining Benefit Credited 🎁40K RPs against Joining Fee 🎁Will Redeem for 10K Amazon eGV In case you want AURUM DM @Nareshkjs Like ❤ n Repost ♻ if useful #CreditCard #CCgeek #AURUM https://t.co/UdCQBJHPR1 💰AURUM Joining Benefit Credited 🎁40K RPs against Joining Fee 🎁Will Redeem for 10K Amazon eGV In case you want AURUM DM @Nareshkjs"
X Link 2025-08-31T03:42Z [----] followers, [----] engagements
"What if I told you most people end up paying [--] to 50% more for health insurance than they actually need to Here's how smart buyers avoid that 👇🏻"
X Link 2025-09-02T02:36Z [----] followers, 29.6K engagements
"3. The Deductible Concept A deductible is the fixed share you pay once per policy year before insurance kicks in. It applies only if you claim and can be covered out of pocket or via corporate cover. 👉🏻 In short: your share of risk each year insurer covers the rest"
X Link 2025-09-02T02:36Z [----] followers, [----] engagements
"Deductible Example - HDFC Ergo Optima Super Secure 25k deductible 25% discount 50k deductible 40% discount 1L deductible 50% discount 2L deductible 55% discount 3L deductible 65% discount"
X Link 2025-09-02T02:36Z [----] followers, [----] engagements
"Example: Standard yearly premium = [-----] With 25k deductible = [-----] Deductible + Multi-year (3 yr) = 1.01L 👉🏻 Effective cost [-----] per year With 3L deductible premium can fall to 1618k per year for the same cover"
X Link 2025-09-02T02:36Z [----] followers, [----] engagements
"6. Have I personally opted for it Yes I've taken HDFC Ergo Optima Super Secure 20L cover with 50k deductible. It is sold as a 3-year plan with multi year discount & renewal happens every [--] years not yearly. This locks in pricing & avoids the hassle of annual renewals"
X Link 2025-09-02T02:36Z [----] followers, [----] engagements
"Why I chose 20L cover (not 15L or 25L): 👉🏻 20L is the highest sum insured where you still get the full deductible discounts. 👉🏻 Above 20L the % discount on deductible drops sharply so you lose the value. That's why 20L became the sweet spot for me"
X Link 2025-09-02T02:36Z [----] followers, [----] engagements
"Pros: ✅ Huge premium savings ✅ Makes high cover (20L to 2Cr) affordable ✅ Best if you already have corporate health cover Cons: ❌ You must pay small claims out of pocket ❌ Not suitable if you dont maintain an emergency fund"
X Link 2025-09-02T02:36Z [----] followers, [---] engagements
"7. Can You Remove the Deductible Later Some insurers offer a "waiver of deductible" after [--] years of continuous renewal. But it's subject to underwriting & other TnCs"
X Link 2025-09-02T02:36Z [----] followers, [---] engagements
"RT if you agree most people overpay on insurance without knowing it. Follow @CardNiti for more threads on money credit & protection hacks. Are you structuring your cover smartly or just paying premiums blindly every year"
X Link 2025-09-02T02:36Z [----] followers, [---] engagements
"Comment down if you need brochure I will DM. @CardNiti How did you get more than [--] lakh deductible Can you share the link @CardNiti How did you get more than [--] lakh deductible Can you share the link"
X Link 2025-09-02T04:19Z [----] followers, [---] engagements
"@vkaile Please don't over-optimise on premiums at the end of the day any claim is usually far higher than what you ever pay. Instead focus on value. Example: with Optima Super Secure [--] years over [--] years (On Optima Secure) gives you 1x extra coverage. https://x.com/CardNiti/status/1962717891859775829t=mbKQrgbDXE02GuwySX7Ucg&s=19 Hey Aditya I completely agree 💯 it's a one time thing take cover always on higher side. With the plan I have choosen I get : 60L coverage from Day [--]. 70L coverage post 1st year. 80L coverage post 2nd year. Multiple restoration benefit without any restriction is"
X Link 2025-09-02T04:27Z [----] followers, [---] engagements
"CC Billpay Rewards IDFC DC First Tap Tips: just change the language & get pay option. Here full step - https://www.technofino.in/community/threads/new-trick-cc-to-cc-bill-pay-vi-user-still-working.43953/ One more on @TechnoFino @ccg33k @cards_wizard @CardNiti @creditkeeda https://t.co/X50IgFUxBY https://www.technofino.in/community/threads/new-trick-cc-to-cc-bill-pay-vi-user-still-working.43953/ One more on @TechnoFino @ccg33k @cards_wizard @CardNiti @creditkeeda https://t.co/X50IgFUxBY"
X Link 2025-09-02T13:42Z [----] followers, 16K engagements
"@DealsDhamaka If I have to take a loan anyway what should I consider a separate personal loan or a credit line against MFs I'm inclined towards the credit line but since you posted this just wanted to recheck"
X Link 2025-09-03T02:11Z [----] followers, [---] engagements
"@contliving Haha those used to claim ITC now they are in NIL category I guess. 🤣"
X Link 2025-09-04T02:47Z [----] followers, [--] engagements
"@7onethe Yess I normally wouldn't prefer digital gold but during the first-ever CRED Rush there were some crazy offers so I invested turned out really good"
X Link 2025-09-05T01:55Z [----] followers, [---] engagements
"🥳 Flipkart Big Billion Days 🛍 Consider Flipkart Black and here's why 👇🏻 🔹 15% Bank Discount : The max cap applies for all users but still a smart way to optimize smaller purchases. 🔹 2x Savings with Supercoins : With [--] SC [--] being promoted its the perfect time to burn your stash. Stack as many as you can 🔹 Black Exclusive Deals : Theyre teasing exclusive offers on big brands so expect some crazy deals. 🔹 Extra Perks : Membership itself comes with free 1-year YouTube Premium plus other benefits. 👉🏻 All in all a solid option to consider this sale season. 🥳 Flipkart Big Billion Days 🛍"
X Link 2025-09-05T02:25Z [----] followers, [----] engagements
"That's so true with credit cards momentary decisions make more sense. 👉🏻 Horizon with a 5k EM joining bonus = clear hit. With 2.5k it could be a miss. 👉🏻 Scapia with 23K referral offers = definite hit. Winwin for everyone (not even counting the airport perks ✈) 👉🏻 Amex Plat Travel with. Coming Soon Thinking about [--] years of plan with a credit card is the last thing anybody should be doing when it comes to credit card. Yahan kal kya ho jayga ye nahi pata. @EvryPaisaMatter @cards_wizard Thinking about [--] years of plan with a credit card is the last thing anybody should be doing when it"
X Link 2025-09-05T02:55Z [----] followers, [----] engagements
"Sir I genuinely admire you but I'm curious why was CheQ your go-to CC bill pay app 🤔 I started using CheQ around May'23 when they were actually giving 0.51% rewards. But then came the quick devaluation to [--] : [--] which made the app nearly useless right around the time they ramped up influencer marketing. My last major bill payment on CheQ was in Jan'24 and coincidentally that's when your posts about CheQ began. Now every other influencer is pushing "1% CheQ Chips" which in reality is just 0.1% reward on the next CC bill which is pretty ridiculous honestly. I had paid more than 25L worth bills"
X Link 2025-09-05T03:47Z [----] followers, [----] engagements
"✈ Round Trip Redemptions Can Be Tricky 💳 Sometimes a redemption is only worth one way Mumbai Male looks identical i.e. [----] points each way. But check the cash: 📍 BOM MLE: [----] Points + [----] 📍 MLE BOM: [----] Points + [----] (Same revenue flight will cost 13.5k & CC rewards on Top) Why the huge difference 🤯 Points only cover the base fare. You still pay: ✈ Airport taxes fees & govt charges ✈ Airline fuel surcharges 💡 Maldives outbound taxes are insanely high resulting in 9k+ India outbound Much lower thus 2.5k Key: Not all redemptions are equal. Always check before booking #TravelHacks"
X Link 2025-09-05T09:58Z [----] followers, 13.8K engagements
"You got me hopeful 😎 Tried to find one Pune to Delhi: 20L+ points Sweetspot More like a "sweet joke" 😂✈ Looks like some error @IndiGo6E @SartanparaYash @aman6490 🚨Spotted some of the sweet spots in Indigo bluechip redemption value 👉In CCU-MAA sector [----] bluechips against 6422rs cash 1.4rs per chip 👉In CCU -BLR sector [----] bluechips against 6188rs cash [----] rs per chip https://t.co/HU5UtG3JLU 🚨Spotted some of the sweet spots in Indigo bluechip redemption value 👉In CCU-MAA sector [----] bluechips against 6422rs cash 1.4rs per chip 👉In CCU -BLR sector [----] bluechips against 6188rs cash"
X Link 2025-09-05T11:40Z [----] followers, 15K engagements
"@mspdealss @7onethe I usually get physical gold from Myntra during deals using CC. The one I posted is the only time I bought digital gold purely because there were some good offers and the effective price came out 8% below the buyback rate"
X Link 2025-09-05T11:58Z [----] followers, [---] engagements
"💳 CC Bill payments this is how I do: [--]. FC Kotak [---] Super DC [--] tnx of 10k each. [--]. CRED Axis Liberty Account [--] tnx of 60k. (Once every quarter) [--]. HDFC Autopay Up to 75k (23 tnx) [--]. CRED Fi Prime I use it for minimum due payments of all CCs as soon as the bill is generated. That way even if I miss a payment the hit is only monetary CIBIL stays intact. Occasionally I use IDFC DC for big payments whenever an iykyk . work trick is working. How are you paying your CC bills 💳 Me: 👉 Whenever possible HDFC Debit Card 👉 For the rest(including HDFC CC) shifted to CRED Convenience everything else"
X Link 2025-09-06T02:08Z [----] followers, 36.4K engagements
"@its_sahith Yes"
X Link 2025-09-06T05:06Z [----] followers, [---] engagements
"@VaibhvWrites Yess. https://x.com/CardNiti/status/1951211559935525185t=IzoonwKkc0cxaKFYmQPXjg&s=19 @thakurwithcards Steps to follow - NetBanking BillPay Credit Card Payments Enable smartpay using your HDFC Plat DC https://x.com/CardNiti/status/1951211559935525185t=IzoonwKkc0cxaKFYmQPXjg&s=19 @thakurwithcards Steps to follow - NetBanking BillPay Credit Card Payments Enable smartpay using your HDFC Plat DC"
X Link 2025-09-06T06:34Z [----] followers, [---] engagements
"Actually it is not a loyalty program it is just an affiliate program that's been around for ages 😅 Tata 1mg is just a new partner. Someone misinterpreted it as a loyalty program (like Flipkart x Marriott) and everyone else just followed 😅 CC : @taditdash 🚨 @1mgOfficial X @airindia partnership lets you earn 8% miles on your Tata 1Mg purchases Earnings are 8% on diagnostics 7% on healthcare products 2% on Medicines. Sounds amazing but it isn't - at least for me. It only works if you go via dedicated partner page. That https://t.co/z8JoUimyCC 🚨 @1mgOfficial X @airindia partnership lets you"
X Link 2025-09-06T09:50Z [----] followers, [----] engagements
"@ccg33k @zomato 🤣😂"
X Link 2025-09-06T10:59Z [----] followers, [---] engagements
"@RakshitSomani 🤣 😂 I am just glad I haven't fallen for any of those sweetspot posts. Lots of technical glitches hopefully they get fixed in the next [--] months"
X Link 2025-09-06T14:27Z [----] followers, [---] engagements
"@itsMrKPK @Unplugged_kk Yes only [----] per month"
X Link 2025-09-06T19:46Z [----] followers, [--] engagements
"⚠ Before you jump in please understand its operating cycle 👇🏻 🪙 Gold is in a bull run 🚀 But remember it operates in cycles 🔄 There have been long sleeping phases 💤 along with explosive rallies 📈 Here's how bull & bear phases played out over the last 60+ years. 💡And if history teaches us anything it's that cycles repeat 🧵👇🏻 https://t.co/BObwfaCYMa 🪙 Gold is in a bull run 🚀 But remember it operates in cycles 🔄 There have been long sleeping phases 💤 along with explosive rallies 📈 Here's how bull & bear phases played out over the last 60+ years. 💡And if history teaches us"
X Link 2025-09-07T06:15Z [----] followers, [----] engagements
"@TvvitterWala @EvryPaisaMatter Haha once missed a bill of less than [---] and CIBIL dropped by [--] points. So now I prefer to pay the min. due as soon as I get statement email / cred notification. Even if I miss clearing the rest the loss is only monetary not on credit score"
X Link 2025-09-07T13:52Z [----] followers, [---] engagements
"Cred Uber GV [---] @ 10% Off Zepto GV [---] @ 10% Off Flipkart GV 1k @ 5% Off CC Rewards Extra ✅ Ensure merchant name is DREAMPLUG Uber GV @ 10% Off Yatra GV 1K @ 80% Off Flipkart GV @ 6% Off on Cred CC Rewards Extra ✅ Ensure merchant name is DREAMPLUG https://t.co/HkNvnDnWo1 Uber GV @ 10% Off Yatra GV 1K @ 80% Off Flipkart GV @ 6% Off on Cred CC Rewards Extra ✅ Ensure merchant name is DREAMPLUG https://t.co/HkNvnDnWo1"
X Link 2025-09-08T03:15Z [----] followers, [----] engagements
"@urstrulyprasad_ Oh ok thanks for letting us know. Alternatives are Sbi CB Atlas Axis CB"
X Link 2025-09-08T05:45Z [----] followers, [---] engagements
"@suritalreja Alright Bose Congratulations on 5.5k 🥳 Notice period fully utilized 😎"
X Link 2025-09-08T10:19Z [----] followers, [---] engagements
"@SartanparaYash @SsllessGarg @amazonIN @ccg33k @AmazingCreditC @cards_wizard @KartikaySadani Hn wahi back to back mujhe laga apko maja aane laga 🤣 But abi apka statement padhkr new fear unlocked 👇🏻 https://x.com/CardNiti/status/1964979279428722896t=CBHXFVwUG5Vfj19xOFWXgg&s=19 @rPan1993 Yep scams are everywhere so we need to stay extra cautious. Both platforms are my go-to options haven't faced any issues with them so far. https://x.com/CardNiti/status/1964979279428722896t=CBHXFVwUG5Vfj19xOFWXgg&s=19 @rPan1993 Yep scams are everywhere so we need to stay extra cautious. Both platforms are my"
X Link 2025-09-08T13:16Z [----] followers, [--] engagements
"Loyalty Program = Retain existing customers 🔄 💳 Customer earns points cashback or perks for repeat purchases. 🎯 Goal: lock you into the ecosystem. ✨ Examples: Flipkart SuperCoins Amazon Pay Rewards IndiGo 6E Rewards"
X Link 2025-09-08T13:52Z [----] followers, [----] engagements
"Recent Loyalty Collabs: Swiggy 🍔 x IndiGo ✈ (earn 6E Rewards on Swiggy orders) Flipkart 🛒 x Marriott 🏨 (earn Bonvoy points on Flipkart) EazyDiner 🍽 x IndiGo ✈ (earn flight rewards while dining) This is loyalty going cross-brand 🔥"
X Link 2025-09-08T13:52Z [----] followers, [---] engagements
"Why does this matter Because Affiliate + Loyalty = possible ✅ But Affiliate + Affiliate = not possible ❌ (they clash on tracking). Coalition loyalty (like Neu) behaves more like an affiliate so it won't let you stack external ones"
X Link 2025-09-08T13:52Z [----] followers, [---] engagements
"So here's the rule of thumb: Native loyalty (Flipkart Amazon) ✅ stacks with affiliates. Coalition loyalty (Tata Neu Reliance One) ❌ blocks affiliates. Cross-brand tie-ups (Swiggy x IndiGo Flipkart x Marriott) ✅ often stack"
X Link 2025-09-08T13:52Z [----] followers, [---] engagements
"In short: 🤝 Affiliate = acquisition (reward partner) ✨ Loyalty = retention (reward customer) 😎 Multi-dip = hack both (cashback + points) Once you see the difference you'll never shop the same way again"
X Link 2025-09-08T13:52Z [----] followers, [---] engagements
"@ankitdewan Thankyou sir This topic is really deep companies implement it in unique ways but the core motive stays the same: either acquisition or retention"
X Link 2025-09-08T14:13Z [----] followers, [---] engagements
"@rohitcool8 @Plutus_cards Either do a small test tnx & confirm with customer care or if you have idfc cc then you can check in app itself post test tnx"
X Link 2025-09-08T16:02Z [----] followers, [--] engagements
"@jaintarang11 Cashkaro used to give earlier not sure about zingoy. @bethalaluka any idea"
X Link 2025-09-08T16:45Z [----] followers, [---] engagements
"@suritalreja @taditdash But isn't it better to use Atlas for regular spends & use TravelOne only for its USP"
X Link 2025-09-08T16:56Z [----] followers, [---] engagements
"@suritalreja @taditdash Hotel & Flights on Rewards Marketplace Reward rates are even higher as I have considered accelerated rewards only but HSBC is provided accelerated + base. https://x.com/CardNiti/status/1958009035887718768t=C2rCobwvPwYwPiCGbBpQZg&s=19 Confused between Axis Atlas 🌏 & HSBC TravelOne ✈ My preference: 🌏 Atlas for Regular Spends ✈ TravelOne for Travel Spends Worst Case: 3L Regular + 4.5L Travel Spends 1.07L Accor Pts 2.14L for Accor @ [-----] fees. Best Case: Well check the quick insights attached https://t.co/fkCg26FbAT"
X Link 2025-09-08T17:04Z [----] followers, [---] engagements
"@Ankit7083 @AmazingCreditC @SartanparaYash Earn Redeem Repeat Or transfer to marriott 🤔"
X Link 2025-09-09T03:04Z [----] followers, [--] engagements
"🥳 Got Trolley bag worth [----] at [----] 🛍 🚨Be ready at 11:50 AM today. 🛍Add to cart: https://t.co/HFSktnJcaC 💰Super money: https://t.co/B7svtg9yyQ ✅Get notified: https://t.co/WQE9gTQAgr https://t.co/6uNsEkDE5B 🚨Be ready at 11:50 AM today. 🛍Add to cart: https://t.co/HFSktnJcaC 💰Super money: https://t.co/B7svtg9yyQ ✅Get notified: https://t.co/WQE9gTQAgr https://t.co/6uNsEkDE5B"
X Link 2025-09-09T06:46Z [----] followers, 17.1K engagements
"EazyDiner IndiGo = choose rewards no caps ✨ Flipkart Marriott = SuperCoins + Bonvoy Pts but only [---] to [----] per yr 🎯 Which one's smarter 🤔 @imYadav31 @FinPaal @taditdash 🧵 Loyalty Programs vs Affiliate Programs 🤔 Ever wondered why some sites give you cashback while others give you points That's the difference between Affiliate programs 💰 & Loyalty programs ✨ Let's break it down 👇🏻 https://t.co/giYeUhaRMo 🧵 Loyalty Programs vs Affiliate Programs 🤔 Ever wondered why some sites give you cashback while others give you points That's the difference between Affiliate programs 💰 & Loyalty"
X Link 2025-09-09T07:33Z [----] followers, [----] engagements
"HSBC TravelOne looks really good should I also apply and give it a shot to maximize my overall reward rate 🤔 Just got my HSBC TravelOne Credit Card delivered ✈ The welcome kit is 🔥 - a premium cardholder a cool metal baggage tag and a classy passport holder. 🧳 Excited for the reward-packed journeys ahead 🗺 #ccgeek https://t.co/CJrgOmExpw Just got my HSBC TravelOne Credit Card delivered ✈ The welcome kit is 🔥 - a premium cardholder a cool metal baggage tag and a classy passport holder. 🧳 Excited for the reward-packed journeys ahead 🗺 #ccgeek https://t.co/CJrgOmExpw"
X Link 2025-09-09T08:59Z [----] followers, [----] engagements
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