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[@gurumilespoints](/creator/twitter/gurumilespoints)
"Took the plunge HSBC Travel One is here Upgraded my X years old HSBC Platinum Card because that was the easiest way to get it. I am impressed with the premium feel of the box and the card design is pretty elegant. Dont care about joining fees of 5k + GST because the card pays for itself. The reward rate is as good as Infinia EPM or M4B. Combined with no caps on Accor Redemption and Atlas gone this is going to be a star card going forward. For me Axis caps are exhausted Infinia transfer partners are not worth it at 1:0.5 (other than select few) EPM doesnt have a transfer partner other than Air"  
[X Link](https://x.com/gurumilespoints/status/1978816013425848516) [@gurumilespoints](/creator/x/gurumilespoints) 2025-10-16T13:31Z 7262 followers, 16.4K engagements


"In Japan craftsmanship shows up head to toe. Just like a Seiko watch for your wrist the trip is incomplete without Onitsuka and ASICS for your feet. Bought 1) Onitsuka Tiger : Mexico XX SD Kill Bill 2) ASICS : Novablast X Black Wide Both shoes are super comfortable and the brand is obsessed with the compound used the moulding process the adhesion technology and more. A bit of history : Onitsuka Tiger was one of the first Sport shoe brand in Japan. After Onitsuka merged with GTO and Jelenk the parent company was named ASICS"  
[X Link](https://x.com/gurumilespoints/status/1972153119338299582) [@gurumilespoints](/creator/x/gurumilespoints) 2025-09-28T04:15Z 7262 followers, 72.1K engagements


"Somebody please tell him that the world has moved on and people are buying gold with credit card"  
[X Link](https://x.com/gurumilespoints/status/1979552922490077630) [@gurumilespoints](/creator/x/gurumilespoints) 2025-10-18T14:19Z 7262 followers, 8056 engagements


"Gems of Credit Card world"  
[X Link](https://x.com/gurumilespoints/status/1979556172526166037) [@gurumilespoints](/creator/x/gurumilespoints) 2025-10-18T14:32Z 7262 followers, 8685 engagements


"I dont understand why people invest in digital gold. Its such an inefficient way of investing when you have alternate options like 1) SGBs (not anymore ofc but it was one of the best) 2) Gold ETFs / Mutual Funds 3) Physical Gold via credit card"  
[X Link](https://x.com/gurumilespoints/status/1979778620932698257) [@gurumilespoints](/creator/x/gurumilespoints) 2025-10-19T05:16Z 7262 followers, 5199 engagements


"@grogu_rian BIC Camera / Yodobashi you will get good options. At BIC camera you will get XX% tourist discount + X% coupon discount. No need to go to authorised seiko stores really"  
[X Link](https://x.com/gurumilespoints/status/1966164991968686414) [@gurumilespoints](/creator/x/gurumilespoints) 2025-09-11T15:40Z 7252 followers, XXX engagements


"Super tiring day. Gold/Silver deals just kept coming up X x 1g Tanishq Gold from Bigbasket (got X% Neucoin + X% off on BB voucher from Amazon paid via ASV ASV were generated from IDFC points). X x 0.5g + X x 1g Kalyan Gold from Swiggy Instamart (3 IndusInd CC XX% discount + double dip on rewardz festival milestone) X x 20g GULLAK Silver from Flipkart (Low Price + SBI CC discount) Overall all purchases were below market rate + reward points on top"  
[X Link](https://x.com/gurumilespoints/status/1977781289425236199) [@gurumilespoints](/creator/x/gurumilespoints) 2025-10-13T16:59Z 7256 followers, 8896 engagements


"Tried going to Airport via Metro Line X. Google Maps was showing XX mins from Powai on road. And when Google Maps shows XX mins it can be anywhere between XX mins to XXX hrs. Took an auto to Aarey Station. Boarded the metro. Ample space available. Got down at Chhatrapati Shivaji Metro T2. There is an internal elevator which connects with the airport. From there you have to walk around 100m. After few elevators and escalators you will be at the Departure Gates. Overall a decent experience. Gets the job done. So next time if you are short of time do consider taking the Metro Line 3"  
[X Link](https://x.com/gurumilespoints/status/1979224799936479630) [@gurumilespoints](/creator/x/gurumilespoints) 2025-10-17T16:35Z 7257 followers, 36.4K engagements


"Major devaluation of AU Zenith+ card I was keeping this card only because of the meet and greet benefit. X per quarter. My annual cost was 5000 + GST - 5000 points. So I was ok to keep it since my outflow was XXX Rs only. No way I am paying almost 6k during renewal for this useless card I used to recommend this card to people but unfortunately Small Finance Banks have to ruin their star products for chindi stuff The reward rate of X% is already a crime on this CC"  
[X Link](https://x.com/gurumilespoints/status/1979481613949161957) [@gurumilespoints](/creator/x/gurumilespoints) 2025-10-18T09:36Z 7257 followers, 9865 engagements


"@DegenSubh @CreditCardsInd Mix of Infinia EPM and M4B. At todays level not sure if it will worth the efforts. For GV purchases there are enough MCC available which are eligible. But always keep an eye out for Swiggy Zepto deals for IDFC/Indusind/Yes Bank deals"  
[X Link](https://x.com/gurumilespoints/status/1979811304186732826) [@gurumilespoints](/creator/x/gurumilespoints) 2025-10-19T07:26Z 7256 followers, XXX engagements


"@eshwarvs Already have Marriott Infinia and Tata Neu. Not looking to add another HDFC card for 10%. Moreover I can always buy Swiggy voucher on Infinia or EPM. It wasnt adding any additional benefit on top. However definitely a solid card to have"  
[X Link](https://x.com/gurumilespoints/status/1980157315954389200) [@gurumilespoints](/creator/x/gurumilespoints) 2025-10-20T06:21Z 7250 followers, 1027 engagements


"Credit cards were always meant to be a form of convenience not a debt instrument to make ends meet. Today banks are selling practically everything on EMI dangling the carrot of No-Cost EMI. The term No-Cost EMI has a psychological effect where people tend to forget that its essentially pushing your liabilities into future cash flows. This creates an artificial sense of purchasing power and if youre not careful you may end up spending beyond your means hurting your future cash flow. Paying upfront is usually the best approach. It keeps you grounded about your spending capacity and moreover you"  
[X Link](https://x.com/gurumilespoints/status/1980497485115400700) [@gurumilespoints](/creator/x/gurumilespoints) 2025-10-21T04:52Z 7262 followers, 12.9K engagements


"Hotels is easy to check on Marriott app. How many MR points will be left post that will determine the answer to your flight question. For flight information with remaining points you will need to research on flights flying to Italy and if they are part of Flyer programs or not. Not so straightforward"  
[X Link](https://x.com/gurumilespoints/status/1980499915936837864) [@gurumilespoints](/creator/x/gurumilespoints) 2025-10-21T05:02Z 7257 followers, 1193 engagements


"How much is too much 😉 Havent sold a single coin since I started accumulating. While others are busy buying and selling I am building reserves. All bought at below market rate + reward points on top"  
[X Link](https://x.com/gurumilespoints/status/1979762700524867807) [@gurumilespoints](/creator/x/gurumilespoints) 2025-10-19T04:13Z 7261 followers, 65.7K engagements


"@PointsnMilesPro Agreed. Lots of parameters to consider. But based on my observations on Twitter I have seen most number stories of rejection for Niva Bupa. Could be observation bias. But thats not enough evidence to say that Niva Bupa is bad"  
[X Link](https://x.com/gurumilespoints/status/1980729313822666803) [@gurumilespoints](/creator/x/gurumilespoints) 2025-10-21T20:14Z 7261 followers, XX engagements