The Retail Indian
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@TheRetailIndian
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One common question I get almost every single day 👇 “Where can I buy Amazon Pay at a discount or using cashback/reward cards?” Here are the consistent options I personally use (no fluff, mostly no extra CC charges): 1. Jupiter Edge (Official Amazon site) • Buy ₹5K Amazon GV → ₹500 back per statement cycle • Clean, official, no MCC drama • One of the best recurring offers. 2. Zepto – Physical GVs • Buy using Live+ card → 10% savings up to ₹1,000 / cycle • SBI Cashback & most cards earn rewards • ❌ Avoid BoB cards -Activation issues are common contact: amazoncorporders@pinelabs.com, cs.head@pinelabs.com or escalations.support@pinelabs.com 3. Amazon – Official site (Digital GVs) • Most cards fetch rewards • ❌ Avoid if merchant name shows: AMAZON GIFT CARD ( SBI Cashback won’t give CB in this case) 4. Amazon – Official Physical GVs (Sweet spot sometimes 👀) • Occasionally available at ~2% discount • Links: amzn-to.co/wbD9Ws amzn-to.co/LVEUL8 • Sometimes tracks Clothing MCC → great for Equitas Selfie-type cards to stack 10% rewards back, ( Apply: tinyurl.com/FinPalSelfie check the pinned post for detailed card features.) 5. InterMiles • Axis Atlas = best pick here • SBI Cashback works irrespective of merchant name • You’ll need Intermiles balance to purchase Gvs 6. CRED • Monthly cap: ₹10K • Merchant name: Dream Plug • Fetches rewards on almost all cards ⚠️ Other options (DYOR) Platforms like Maxmize, Magnify, Onpoint exist but: • MCC changes frequently • Additional CC charges may apply → Use cautiously and test with small amounts Did I miss something noteworthy ? Let me know in the comments
Commentary: ServiceNow printed Q1 and the stock is down 13 percent after hours. This morning I put the probability-weighted next-day move at +3.6 percent. The market found my 7 percent bear-severe tail. That happens. More after the call. Here is what actually printed vs my estimates. Revenue $3.77B (I had $3.79B). Subscription growth 19 percent constant currency (I had 20). cRPO growth 21 percent cc, which hit my bull number exactly. EPS $0.97 (I had $1.01, Street had $0.96). FY26 subscription guide raised by roughly $ 200M to $15.735 to $15.775B, much bigger than my $30 to $ 50M base case. RPO $27.7B, up 25 percent. On the growth picture the print was broadly fine and in some ways better than I modeled. The sell-off is about one line. Q2 operating margin guide came in at 26.5 percent versus Street around 31.5 percent. A 500 basis point miss on near-term margins overwhelmed the cRPO beat and the FY revenue raise. Full-year op margin guide at 31.5 percent, FCF margin 35 percent, both a touch below expectations. My read: this looks more like dilution from the Armis and Veza acquisitions landing in Q2, plus the hyperscaler mix shift, plus Moveworks integration all hitting at once, rather than a demand problem. cRPO at 21 percent cc and RPO at 25 percent is what I would want to see if the business is structurally healthy. Subscription gross margin held at 81.5 percent. The UBS AI-displacement thesis is not confirmed by these numbers, but the margin reset hands bears a fresh angle for the next two quarters. Position: still 8.65 percent of the book. Total return was +12 percent heading in, roughly flat after tomorrow's likely open. I want to hear McDermott walk through the Q2 margin bridge on the call before I do anything. If it is M&A integration, I can live with it. If it is demand or pricing, the thesis gets harder. Writing down my priors first, not a recommendation.
Hey @SwiggyCares If you sold passes in advance, you knew the orders that were coming, you should have made the stock available for pass holders!! You can't hide behind the "subject to availability" clause. This is a dark pattern !
@ccg33k @GoldDealsIndia @SwiggyCares Here in Vizag, I didn’t get an option of free silver coin. Was waiting to tick 8AM and ordered. Felt like it is marketing gimmick by Swiggy. Very bad. Payed extra amount only because silver coin will compensate. @SwiggyCares cheap tricks.
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