[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.]

[@think_in_points](/creator/twitter/think_in_points)
"Ive applied for Schengen Visas multiple times and got all of them delivered within X working days Ive cracked a process that works for the salaried class. I have even built a detailed checklist + cover letter template. It helped my colleagues and I want to help others. 🧵"  
[X Link](https://x.com/think_in_points/status/1976324607868272890) [@think_in_points](/creator/x/think_in_points) 2025-10-09T16:31Z 1162 followers, 76.8K engagements


"Term insurance was one of those things I kept procrastinating on for over a year not because I didnt see the value but because it was just too overwhelming to decide There are way too many variables - X How much cover is enough It's very custom depending on your income expenses assets & liabilities X Till what age X Which insurer and how do you even compare them X How to pay premiums Monthly or yearly And till what age X What about money-back plans X And those never-ending T&Cs on whats covered and whats not. Etc. Etc. Its one of those decisions a lot of people know they should take but they"  
[X Link](https://x.com/think_in_points/status/1979798483813929125) [@think_in_points](/creator/x/think_in_points) 2025-10-19T06:35Z 1162 followers, 1703 engagements


"CC geeks overestimating returns Great perspective. But heres how I look at it. Slightly long but do stay put 👇 Take the Amex Platinum Travel for example. You pay 5900/year and on 4L spends you get - 10K Taj voucher 48K MR points (24K if converted to Taj vouchers at XXX value) Thats 34K worth of Taj vouchers in total. Now most people will do a quick math i.e. 34K 5.9K (fee) = 28.1K net gain and call it a X% return on 4L spent. But it's not that simple. The actual value depends on how you use those vouchers. If youre someone who already stays at Taj properties thats a straight saving. Those"  
[X Link](https://x.com/think_in_points/status/1980533120777744814) [@think_in_points](/creator/x/think_in_points) 2025-10-21T07:14Z 1162 followers, 28.6K engagements


"Tried my first gold coin sale today at a Kalyan store and honestly the process was smoother than I expected (but slower than I hoped 😅). Heres how it went - 1They asked for the invoice (digital copy was fine) 2Gave my PAN card 3Gave my cheque book. They took a photocopy of a cancelled cheque X Filled out a quick sale form Thats it. Pretty straightforward overall. Although it looked like the staff wasnt too familiar with the sale of coins bought online the sales guy kept checking with his team on the process. So what shouldve been a 15-minute job (as per @akshat_money 😜) ended up taking 35"  
[X Link](https://x.com/think_in_points/status/1980641191986360488) [@think_in_points](/creator/x/think_in_points) 2025-10-21T14:23Z 1162 followers, 21.4K engagements


"Thanks @EvryPaisaMatter Ji for doing this PoC and recording the user experience of redeeming HPCL vouchers at petrol pumps. 🙌 Heres how I see it - Pros ➡18% RP back via EPM on iShop for fuel. Huge win no card comes close to this level of return on fuel spends. ➡Helps increase total spends on EPM which can support milestone benefits and annual fee waivers. Cons ➡The GV code has to be manually entered by the petrol pump staff so youll likely need to park and step out of your car and wait a bit. Slower process overall ➡Youll have to plan refuels in multiples of XXX to fully use the vouchers"  
[X Link](https://x.com/think_in_points/status/1978177270268453128) [@think_in_points](/creator/x/think_in_points) 2025-10-14T19:13Z 1135 followers, 3230 engagements


"@Ankit_Tech_Ai @CRED_club There is actually an option to mark LTF. Saw it later. Thanks to some of the people in the comments who pointed it out"  
[X Link](https://x.com/think_in_points/status/1978527155979010180) [@think_in_points](/creator/x/think_in_points) 2025-10-15T18:23Z 1136 followers, XXX engagements


"@klshs53420176 @ccg33k I meant out of 1.5Cr cards 41L cards are FK Axis. Now how much is spent on those 41L cards out of the total spending on Axis cards would be the value contribution %. More spending = More MDR revenue More chances of Default (interest charges) etc"  
[X Link](https://x.com/think_in_points/status/1978705369430962433) [@think_in_points](/creator/x/think_in_points) 2025-10-16T06:11Z 1115 followers, XX engagements


"On the HSBC spend-based offer if someone is able to spend 80L in X months purely on eligible transactions (since rent real estate wallet load insurance etc. are excluded) theyre already in a financial bracket where the iPhone or the benefits worth 7L are hardly meaningful. 😆"  
[X Link](https://x.com/think_in_points/status/1979477602068025519) [@think_in_points](/creator/x/think_in_points) 2025-10-18T09:20Z 1076 followers, 1933 engagements


"@imYadav31 Classic dark UI/UX patterns 😆 Not allowing customers to cancel but selling a subscription is too explicit and out there"  
[X Link](https://x.com/think_in_points/status/1979607090906759434) [@think_in_points](/creator/x/think_in_points) 2025-10-18T17:54Z 1075 followers, XX engagements


"Feels like a strategic miss here from ICICI Bank. iShop was built to drive cardholder value accelerate rewards and facilitate redemptions. If ICICI added jewellery GVs to the portal with 6X rewards they should have expected usage and designed limits not pulled the credit-card option entirely. If jewellery vouchers were included in the first place (with 6X rewards) what changed now If payouts were unsustainable sensible fixes would have been - Monthly caps per user or Lower reward multiples for that category. Removing CC as a payment option kills the whole point of iShop for engaged customers."  
[X Link](https://x.com/think_in_points/status/1979870019698737224) [@think_in_points](/creator/x/think_in_points) 2025-10-19T11:19Z 1136 followers, 1230 engagements


"My quick hack to know if a souvenir shop is overpriced while travelling - Check the price of fridge magnets or keychains first which are usually displayed outside the shop. 🧲🔑 I did this in Paris. If the Eiffel Tower keychain costs more than X the rest of the shops prices will be sky-high too. No need to even step in after that"  
[X Link](https://x.com/think_in_points/status/1977671653627757023) [@think_in_points](/creator/x/think_in_points) 2025-10-13T09:44Z 1139 followers, 1462 engagements


"One thing every credit card geek should remember is that not every swipe is worth it. 💳 Once you get deep into the rewards game its easy to develop this mindset of everything must go on a credit card. Its great for rewards but sometimes the cheapest options dont even accept cards. Example - Wedding shopping from Chandni Chowk in Delhi will still be far cheaper than buying from a showroom/e-commerce even after factoring in 10-15% reward value from your card. Same logic for daily cab rides. If your daily XX Uber Auto ride now costs XXX because you switched to a cab just to swipe your card"  
[X Link](https://x.com/think_in_points/status/1977722992131219828) [@think_in_points](/creator/x/think_in_points) 2025-10-13T13:08Z 1136 followers, 13.2K engagements


"Over a week since I'm trying to upgrade my HSBC Visa Platinum to TravelOne. After 4+ calls to customer care the pattern is this - Customer care says We cant process it were not the sales team. Then they promise a priority callback that never actually happens. Tried applying online too it detects Im an existing customer and stops midway with Well call you. That call never comes either. Honestly how difficult can it be for @HSBC_IN to issue a credit card to someone who already has one with their bank with all KYC and details verified Anyone else stuck in the same loop 💳"  
[X Link](https://x.com/think_in_points/status/1978461759804743693) [@think_in_points](/creator/x/think_in_points) 2025-10-15T14:03Z 1139 followers, 1735 engagements


"Looks like HSBC underestimated how much traffic this new Rewards portal + Atlas Discontinuation + TravelOne buzz would bring Ever since they revamped the HSBC Rewards portal and started actively marketing their cards demand has increased but their backend support clearly hasnt kept pace. Im an existing HSBC Visa Platinum holder and tried applying for the TravelOne Card online. Midway through the process (step 3) I got a message saying: Seems like youre an existing customer our support team will contact you in X days. No call for X days until I contacted their support to request a callback."  
[X Link](https://x.com/think_in_points/status/1976969521408749647) [@think_in_points](/creator/x/think_in_points) 2025-10-11T11:13Z 1147 followers, 9988 engagements


"As kids we collected Tazos. As adults we collect credit cards"  
[X Link](https://x.com/think_in_points/status/1978077298789158999) [@think_in_points](/creator/x/think_in_points) 2025-10-14T12:35Z 1159 followers, 2608 engagements


"@anotherbaniya 7011 is the most common. It's for Lodging specifically identifying businesses like hotels motels and resorts"  
[X Link](https://x.com/think_in_points/status/1980246679833235637) [@think_in_points](/creator/x/think_in_points) 2025-10-20T12:16Z 1159 followers, XX engagements


"@ccg33k Hey Akash have you tried selling muthoot gold coins If so how was the experience"  
[X Link](https://x.com/think_in_points/status/1980510236357333381) [@think_in_points](/creator/x/think_in_points) 2025-10-21T05:43Z 1161 followers, XXX engagements


"If youve got Amex Taj vouchers lying around you might want to recheck their expiry dates. Was doing my routine check on my Amex Taj vouchers a few days back to keep track of expiry dates using this link on Tajs site - 🔗 Went to Card Balance & Reload Entered Voucher & PIN and it showed the balance + expiry date. Now heres something interesting I found for one of my vouchers the Taj website showed an expiry date of 10th Dec 2025 but the original Amex email said 15th Nov 2025. 🤔 I checked with Amex customer care they confirmed that the email date (i.e. 15th Nov 2025) was correct. The voucher"  
[X Link](https://x.com/think_in_points/status/1980610771525455938) [@think_in_points](/creator/x/think_in_points) 2025-10-21T12:23Z 1162 followers, 13.4K engagements


"With Mariott Bonvoy the thing I've seen is while you can transfer MR to MB 1:1 the MB value fluctuates a lot and can even go as low as Rs. 0.3/pt. And that's where it gets tricky. Maybe the property offering a great redemption rate is somewhere you don't even want to travel"  
[X Link](https://x.com/think_in_points/status/1980708228343427462) [@think_in_points](/creator/x/think_in_points) 2025-10-21T18:50Z 1162 followers, XXX engagements


"@Ghadgevaibhav02 Hmm. weird. I've heard very different experiences from people while dealing with HSBC"  
[X Link](https://x.com/think_in_points/status/1980708538000478584) [@think_in_points](/creator/x/think_in_points) 2025-10-21T18:51Z 1161 followers, XX engagements


"Crossed 1L lifetime Edge Miles recently with my Axis Atlas Card about XXX years since I got it (April 2024). ✈ Easily one of the best value-for-money cards Ive picked up. Already maxed out 2025s Group A capping on Jan X this year 😅 and sitting on enough miles to hit the 2026 cap the moment it resets. Might need to bring in another card for Accor transfers looking seriously at the HSBC TravelOne now 👀"  
[X Link](https://x.com/think_in_points/status/1976912472180216289) [@think_in_points](/creator/x/think_in_points) 2025-10-11T07:27Z 1159 followers, 10.6K engagements


"Just tested @CRED_club's new credit card milestone tracking feature and heres what I noticed 👇 Its showing a spend-waiver milestone for my Swiggy HDFC Card which I actually hold as LTF. So clearly they dont have that context. Then on my Axis Atlas the spends shown on CRED differ by over 1L compared to what the Axis app shows. Same with EPM Ive spent far more than what CRED is tracking. There are also untagged spends which basically means CRED is tagging each transaction applying its own logic for exclusions and ignoring what it cant classify. 🚨This confirms what I initially thought. The"  
[X Link](https://x.com/think_in_points/status/1978348362895077646) [@think_in_points](/creator/x/think_in_points) 2025-10-15T06:33Z 1160 followers, 17.6K engagements


"Finally signed up for Topcash I discovered it rewards X% cashback on Accor Bookings only after I had already done all my bookings (non-refundable) for my recent Europe Trip. Anyway keeping it handy for next time. You can check it out here -"  
[X Link](https://x.com/think_in_points/status/1978668581802873243) [@think_in_points](/creator/x/think_in_points) 2025-10-16T03:45Z 1162 followers, 7022 engagements


"Dhanteras arrived early this year. ✨ Got this 1g Kalyan Gold Coin using the Swiggy HDFC Credit Card from Swiggy Instamart 💰 Price: 13853 💳 After XX% cashback: 12467 🏷 Current market price: 13292 Sweet deal overall Thanks to @GoldDealsIndia & @ccg33k for the tip 🙌"  
[X Link](https://x.com/think_in_points/status/1979043710651301897) [@think_in_points](/creator/x/think_in_points) 2025-10-17T04:36Z 1162 followers, 10.1K engagements


"Grateful to cross 1000 followers on Think In Points 🙏 Started this page in late August with one simple goal i.e. to make money credit cards travel hacks and rewards easy to understand. 💳💡 The idea has always been to build a community of people who think alike. Those who love optimizing aren't just limited to credit cards but almost everything in life. 😉 Also a special thanks to @EvryPaisaMatter @ccg33k @gautam888 @akshat_money @imYadav31 @suritalreja @Kenu73 @ankitdewan @prashantnhn @SavingsSimpl @prashantnhn @ravihanda @DealDigger_ @PaisaPrinciple @drgrudge. Took a lot of inspiration"  
[X Link](https://x.com/think_in_points/status/1979169775277469816) [@think_in_points](/creator/x/think_in_points) 2025-10-17T12:57Z 1162 followers, 4018 engagements


"Scapia's unboxing experience is seriously top-notch especially for a Lifetime Free card. 💳✨ The app experience is one of the smoothest Ive seen in the fintech space If youre looking for a zero-forex card with a slick UI and great travel rewards heres my referral link: You get 1000 Scapia Coins on activation (redeemable for travel) and if lucks on my side I might just end up with those AirPods Pro X 😆🎧"  
[X Link](https://x.com/think_in_points/status/1979526472269512830) [@think_in_points](/creator/x/think_in_points) 2025-10-18T12:34Z 1161 followers, 1111 engagements


"@SwipeSahiHai Cashback is extremely obvious in this case. That's real money in hand. Even if Accor goes to 15-16% I'd still choose XX% cashback"  
[X Link](https://x.com/think_in_points/status/1980516341988946329) [@think_in_points](/creator/x/think_in_points) 2025-10-21T06:07Z 1161 followers, XXX engagements


"Finally got my HSBC TravelOne Card 🎉 But man what a ride this has been. Ive been an HSBC Visa Platinum holder and was trying for X weeks to upgrade to TravelOne. Every single time I called the agents said - Sir well arrange a callback from the card application team. No one ever called back. Turns out they thought I wanted to apply for a new card. 😑 Today I lost it and asked them how can an "upgrade" process for an existing customer be so cumbersome The agent finally goes Oh sir you want an upgrade We can do that directly I was like "Bro Kannada me bol raha tha kya main"😭😭 🤦♂ One simple"  
[X Link](https://x.com/think_in_points/status/1980573457307038039) [@think_in_points](/creator/x/think_in_points) 2025-10-21T09:54Z 1162 followers, 9991 engagements


"@ccg33k The price decreased by Rs. XXX per gm b/w the time I entered the store and the time the sale was executed😆"  
[X Link](https://x.com/think_in_points/status/1980651579377381690) [@think_in_points](/creator/x/think_in_points) 2025-10-21T15:05Z 1162 followers, 2992 engagements


"@Ankit_Tech_Ai I don't think you should replace any of atlas or amex PT with HSBC T1. You can only take T1 for revenue spends on hotels/flights for accelerated rewards OR if you are exhausting atlas group A and need more limits"  
[X Link](https://x.com/think_in_points/status/1980662890484101163) [@think_in_points](/creator/x/think_in_points) 2025-10-21T15:50Z 1162 followers, XXX engagements


"@DARSHAN_2612 @HSBC_IN @Prakarsh41 also had the same experience. Their new card application journey is pretty messed up"  
[X Link](https://x.com/think_in_points/status/1980663685061509356) [@think_in_points](/creator/x/think_in_points) 2025-10-21T15:53Z 1162 followers, XXX engagements


"@SartanparaYash Yep that's what I heard 😀"  
[X Link](https://x.com/think_in_points/status/1980700464766415070) [@think_in_points](/creator/x/think_in_points) 2025-10-21T18:19Z 1162 followers, XXX engagements


"Dont plan your vacation around your hotel points balance. Let the destination choose the stay not the other way around Once you get into the credit card and miles world your hotel stays naturally start revolving around the usual names - Marriott Bonvoy Accor Taj IHG etc. After all theyre the go-to transfer partners across most credit cards. But honestly Ive always liked exploring beyond these chains. There are plenty of destinations where none of these mile-friendly hotels even exist and Im not someone who picks a travel destination just because a transfer partner property is available there."  
[X Link](https://x.com/think_in_points/status/1980970390290928075) [@think_in_points](/creator/x/think_in_points) 2025-10-22T12:12Z 1162 followers, 1272 engagements


"After spending XX days in Europe over the last year across France Spain the Netherlands Belgium Germany Austria and Italy Ive realised how much a structured plan can simplify travel. Earlier I had shared a Schengen Visa Checklist with 500+ people and the feedback was incredible 🙌 Many found it super helpful in cutting the chaos that comes with first-time travel and even skipped the consultant route to book visa appointments. So Im now working on a Europe Travel Starter Pack a set of clean practical templates designed to make trip planning easier and more structured. 🧳✨ Itll cover the"  
[X Link](https://x.com/think_in_points/status/1980998974166409701) [@think_in_points](/creator/x/think_in_points) 2025-10-22T14:05Z 1162 followers, XXX engagements