[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @SwipeSahiHai Swipe Sahi Hai Swipe Sahi Hai posts on X about $hsbc, luxury, $mar, credit scores the most. They currently have XXX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours. ### Engagements: XXXXX [#](/creator/twitter::1974352907341570048/interactions)  - X Week XXXXXX +2,487% ### Mentions: XX [#](/creator/twitter::1974352907341570048/posts_active)  ### Followers: XXX [#](/creator/twitter::1974352907341570048/followers)  - X Week XXX +49% ### CreatorRank: XXXXXXX [#](/creator/twitter::1974352907341570048/influencer_rank)  ### Social Influence [#](/creator/twitter::1974352907341570048/influence) --- **Social category influence** [stocks](/list/stocks) [finance](/list/finance) **Social topic influence** [$hsbc](/topic/$hsbc) #95, [luxury](/topic/luxury), [$mar](/topic/$mar), [credit scores](/topic/credit-scores) **Top assets mentioned** [HSBC Holdings PLC (HSBC)](/topic/$hsbc) [Marriott International Inc (MAR)](/topic/$mar) ### Top Social Posts [#](/creator/twitter::1974352907341570048/posts) --- Top posts by engagements in the last XX hours "🦊 Sometimes #ccgeeks overestimate returns. Let me explain. 👉🏿 You pay 20K joining fees for 50K vouchers. But those are things youd never have bought otherwise. Thats not value. You just lost 20K. 👉🏿 Same story with Taj / hotel vouchers. If youre staying just because the vouchers expire thats not a free vacation thats a forced consumption. 👉🏿Even reward return calculators can be misleading. If you skipped a XX% instant discount for an XX% equivalent reward portal you didnt earn 18%. You bought XX for XX. So that free business class redemption Its not free it carries an opportunity cost" [X Link](https://x.com/SwipeSahiHai/status/1979944735914795505) [@SwipeSahiHai](/creator/x/SwipeSahiHai) 2025-10-19T16:16Z XXX followers, 28.8K engagements "Another example HDFC Marriott Bonvoy Card. You pay 3500 and get 15000 Bonvoy Points. But those points have a real market value of about XXXX each (you can literally buy them via Amex). Thats 6000 value so your net is 2500. Not bad but its not a free night. Its just free 2500 bucks every year Dont get me wrong its a good card with Silver Elite and lounge perks. But the key is this 👇 Understand the real returns not the marketing ones. #SwipeSahiHai #ccgeeks" [X Link](https://x.com/SwipeSahiHai/status/1979953662341546229) [@SwipeSahiHai](/creator/x/SwipeSahiHai) 2025-10-19T16:51Z XXX followers, XXX engagements "🦊 Few months back I woke up to a surprise my credit score had dropped from XXX to XXX. No late payments no defaults. Just down. Curious (and slightly panicked) I emailed CIBIL asking why. They replied with X detailed reasons. Lets talk about Reason X today👇 Low proportion of satisfactory trades and average trade age. Basically any credit account thats less than XX months old is considered unsatisfactory. I had opened X new accounts including a home loan within a year and when the 6th got reported my score dipped instantly. It wasnt about defaults nor enquiries just too many new trades. A" [X Link](https://x.com/SwipeSahiHai/status/1980173896579240347) [@SwipeSahiHai](/creator/x/SwipeSahiHai) 2025-10-20T07:27Z XXX followers, XXX engagements "🦊 The comment section on this thread is fascinating. For some the choice was obvious for others not so much. Most people just need a bit more self-awareness about why they spend. If your decision to visit Andaman or Kerala depends on which has more Accor properties youve already lost in the credit card game. Like every game This game also has two players Its you and the industry. And the only rule is: Dont lose. #SwipeSahiHai #ccgeeks" [X Link](https://x.com/SwipeSahiHai/status/1980563734906200249) [@SwipeSahiHai](/creator/x/SwipeSahiHai) 2025-10-21T09:16Z XXX followers, 2086 engagements "Happiness of a #ccgeek" [X Link](https://x.com/SwipeSahiHai/status/1979510519754264994) [@SwipeSahiHai](/creator/x/SwipeSahiHai) 2025-10-18T11:31Z XXX followers, XXX engagements "@rishabh_101 @ChaiAndMiles @suritalreja @nikunj_kb @ankitdewan @niteshghumatkar @contliving Yes. I unfairly assumed that EPM will bring same transfer partners and ratios as HSBC" [X Link](https://x.com/SwipeSahiHai/status/1980146451746631874) [@SwipeSahiHai](/creator/x/SwipeSahiHai) 2025-10-20T05:37Z XXX followers, XXX engagements "@rishabh_101 @ChaiAndMiles @suritalreja @nikunj_kb @ankitdewan @niteshghumatkar @contliving If ICICI brings transfer partners it will eat HSBC HDFC Axis for breakfast 😆" [X Link](https://x.com/SwipeSahiHai/status/1980131655898874233) [@SwipeSahiHai](/creator/x/SwipeSahiHai) 2025-10-20T04:39Z XXX followers, XXX engagements "What do you choose between XXXXX% accor value back and XX% cash-back Vote and let me you know your rationale in the comments below. 👇 #SwipeSahiHai #ccgeeks #ccgeek" [X Link](https://x.com/SwipeSahiHai/status/1980355469756776532) [@SwipeSahiHai](/creator/x/SwipeSahiHai) 2025-10-20T19:28Z XXX followers, 1754 engagements "🦊 Lots of opinions (love that) but the majority nailed it. Heres the simple truth 👇 🏨 If youd anyway book an Accor stay (Revenue or Otherwise) go for the Accor value back (11.21%). 💰 If not take the XX% cash without a second thought. Because cash = freedom. That same XX% could unlock a cheaper but equally great stay on your next trip. #SwipeSahiHai #ccgeeks" [X Link](https://x.com/SwipeSahiHai/status/1980522472937296318) [@SwipeSahiHai](/creator/x/SwipeSahiHai) 2025-10-21T06:32Z XXX followers, XXX engagements "Thats great It did the same for almost every upper middle class people. Thats why the reward system exists. To get people experience the luxury. Finally it comes down to the perspective of every individual. 20000 points could mean X economy or X business. Some think points are free for others its a different currency. What matters is self awareness. To know how you perceive and make peace with it" [X Link](https://x.com/SwipeSahiHai/status/1980560049350250965) [@SwipeSahiHai](/creator/x/SwipeSahiHai) 2025-10-21T09:01Z XXX followers, XXX engagements "@skh27 XXX accor points" [X Link](https://x.com/SwipeSahiHai/status/1980601726479790299) [@SwipeSahiHai](/creator/x/SwipeSahiHai) 2025-10-21T11:47Z XXX followers, XXX engagements "@skh27 No let me simplify. At a grocery store would you choose atlas card offering XXXX% in accor value or XX% cashback with HSBC Live+" [X Link](https://x.com/SwipeSahiHai/status/1980644741860802640) [@SwipeSahiHai](/creator/x/SwipeSahiHai) 2025-10-21T14:37Z XXX followers, XX engagements "Great to hear you had a good time. It works well with your first redemption to experience luxury. When you have four coupons one from ICICI another from HSBC and two from Amex with no travel plans those 40K points mean nothing. The returns you calculated when getting your card are null and void. Soon youll find many vouchers either going to the dustbin or youll visit a nearby Taj just to redeem a night having already experienced it" [X Link](https://x.com/SwipeSahiHai/status/1980681227226226917) [@SwipeSahiHai](/creator/x/SwipeSahiHai) 2025-10-21T17:02Z XXX followers, XX engagements "🦊 Wednesday Quiz 🎯 Which premium credit card waives late payment fees (but charges interest🤫) Know the answer Comment below 👇 See how many #ccgeeks get it right #SwipeSahiHai @grok Please stay away from this thread" [X Link](https://x.com/SwipeSahiHai/status/1980847453122543859) [@SwipeSahiHai](/creator/x/SwipeSahiHai) 2025-10-22T04:03Z XXX followers, XXX engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@SwipeSahiHai Swipe Sahi Hai
Swipe Sahi Hai posts on X about $hsbc, luxury, $mar, credit scores the most. They currently have XXX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours.
Engagements: XXXXX #
- X Week XXXXXX +2,487%
Mentions: XX #
Followers: XXX #
- X Week XXX +49%
CreatorRank: XXXXXXX #
Social Influence #
Social category influence stocks finance
Social topic influence $hsbc #95, luxury, $mar, credit scores
Top assets mentioned HSBC Holdings PLC (HSBC) Marriott International Inc (MAR)
Top Social Posts #
Top posts by engagements in the last XX hours
"🦊 Sometimes #ccgeeks overestimate returns. Let me explain. 👉🏿 You pay 20K joining fees for 50K vouchers. But those are things youd never have bought otherwise. Thats not value. You just lost 20K. 👉🏿 Same story with Taj / hotel vouchers. If youre staying just because the vouchers expire thats not a free vacation thats a forced consumption. 👉🏿Even reward return calculators can be misleading. If you skipped a XX% instant discount for an XX% equivalent reward portal you didnt earn 18%. You bought XX for XX. So that free business class redemption Its not free it carries an opportunity cost"
X Link @SwipeSahiHai 2025-10-19T16:16Z XXX followers, 28.8K engagements
"Another example HDFC Marriott Bonvoy Card. You pay 3500 and get 15000 Bonvoy Points. But those points have a real market value of about XXXX each (you can literally buy them via Amex). Thats 6000 value so your net is 2500. Not bad but its not a free night. Its just free 2500 bucks every year Dont get me wrong its a good card with Silver Elite and lounge perks. But the key is this 👇 Understand the real returns not the marketing ones. #SwipeSahiHai #ccgeeks"
X Link @SwipeSahiHai 2025-10-19T16:51Z XXX followers, XXX engagements
"🦊 Few months back I woke up to a surprise my credit score had dropped from XXX to XXX. No late payments no defaults. Just down. Curious (and slightly panicked) I emailed CIBIL asking why. They replied with X detailed reasons. Lets talk about Reason X today👇 Low proportion of satisfactory trades and average trade age. Basically any credit account thats less than XX months old is considered unsatisfactory. I had opened X new accounts including a home loan within a year and when the 6th got reported my score dipped instantly. It wasnt about defaults nor enquiries just too many new trades. A"
X Link @SwipeSahiHai 2025-10-20T07:27Z XXX followers, XXX engagements
"🦊 The comment section on this thread is fascinating. For some the choice was obvious for others not so much. Most people just need a bit more self-awareness about why they spend. If your decision to visit Andaman or Kerala depends on which has more Accor properties youve already lost in the credit card game. Like every game This game also has two players Its you and the industry. And the only rule is: Dont lose. #SwipeSahiHai #ccgeeks"
X Link @SwipeSahiHai 2025-10-21T09:16Z XXX followers, 2086 engagements
"Happiness of a #ccgeek"
X Link @SwipeSahiHai 2025-10-18T11:31Z XXX followers, XXX engagements
"@rishabh_101 @ChaiAndMiles @suritalreja @nikunj_kb @ankitdewan @niteshghumatkar @contliving Yes. I unfairly assumed that EPM will bring same transfer partners and ratios as HSBC"
X Link @SwipeSahiHai 2025-10-20T05:37Z XXX followers, XXX engagements
"@rishabh_101 @ChaiAndMiles @suritalreja @nikunj_kb @ankitdewan @niteshghumatkar @contliving If ICICI brings transfer partners it will eat HSBC HDFC Axis for breakfast 😆"
X Link @SwipeSahiHai 2025-10-20T04:39Z XXX followers, XXX engagements
"What do you choose between XXXXX% accor value back and XX% cash-back Vote and let me you know your rationale in the comments below. 👇 #SwipeSahiHai #ccgeeks #ccgeek"
X Link @SwipeSahiHai 2025-10-20T19:28Z XXX followers, 1754 engagements
"🦊 Lots of opinions (love that) but the majority nailed it. Heres the simple truth 👇 🏨 If youd anyway book an Accor stay (Revenue or Otherwise) go for the Accor value back (11.21%). 💰 If not take the XX% cash without a second thought. Because cash = freedom. That same XX% could unlock a cheaper but equally great stay on your next trip. #SwipeSahiHai #ccgeeks"
X Link @SwipeSahiHai 2025-10-21T06:32Z XXX followers, XXX engagements
"Thats great It did the same for almost every upper middle class people. Thats why the reward system exists. To get people experience the luxury. Finally it comes down to the perspective of every individual. 20000 points could mean X economy or X business. Some think points are free for others its a different currency. What matters is self awareness. To know how you perceive and make peace with it"
X Link @SwipeSahiHai 2025-10-21T09:01Z XXX followers, XXX engagements
"@skh27 XXX accor points"
X Link @SwipeSahiHai 2025-10-21T11:47Z XXX followers, XXX engagements
"@skh27 No let me simplify. At a grocery store would you choose atlas card offering XXXX% in accor value or XX% cashback with HSBC Live+"
X Link @SwipeSahiHai 2025-10-21T14:37Z XXX followers, XX engagements
"Great to hear you had a good time. It works well with your first redemption to experience luxury. When you have four coupons one from ICICI another from HSBC and two from Amex with no travel plans those 40K points mean nothing. The returns you calculated when getting your card are null and void. Soon youll find many vouchers either going to the dustbin or youll visit a nearby Taj just to redeem a night having already experienced it"
X Link @SwipeSahiHai 2025-10-21T17:02Z XXX followers, XX engagements
"🦊 Wednesday Quiz 🎯 Which premium credit card waives late payment fees (but charges interest🤫) Know the answer Comment below 👇 See how many #ccgeeks get it right #SwipeSahiHai @grok Please stay away from this thread"
X Link @SwipeSahiHai 2025-10-22T04:03Z XXX followers, XXX engagements