Alam

@luxe_explorer Which credit card you used to book it or which card points used? May i ask details pls

Thread: 2N Stay at Taj Exotica Goa 🌴✨ One of the finest luxury beach resorts in India 🇮🇳 Here’s a detailed breakdown of my stay 👇

@luxe_explorer I'm planning a trip to Goa and was wondering if there are any reliable cab services for sightseeing? I know scooties are an option, but I’d prefer a car to explore the beaches and local spots. Any recommendations?

✨🌴 Goa, AGAIN But this time, slower, quieter, better. 📍2N/3D at TAJ Exotica, South Goa • Portuguese-style villas 🏡 • Private beach access 🌊 • Lush lawns & sea views 🌿 #Taj #Goa

@jassneetsingha Any idea if salary + mutual fund + term insurance combo will work ??

Axis Burgundy - How to Qualify? The ABCs of It. Official link to the Burgundy eligibility is also attached.

@luxe_explorer @yourpsb How much fee they charge? and is it safe it use i mean trustable ? Do we need to inform owner that we will be paying using this method now ?

@yourpsb @Alam_Ali_786 Hey 👋 - you can check RentenPe.

🔥 DEEP DIVE: Best Credit Cards for RENT Payments in India 🏠💳 Rent is usually dead spend… But with the right cards → it becomes a reward engine 👇 ----- 🥇 1) HSBC Premier Credit Card ----- 💡 One of the VERY few cards where: 👉 Rent + utilities (up to ₹1L/month) = eligible for base rewards 💰 MATH: Assume ₹1L/month rent → ₹12L/year Base earn = 3% 👉 ₹12L × 3% = 36,000 points → On transfer to Accor 1:1 at ~₹2 per point → ₹72,000 value/year ✔ No milestone dependency ✔ Clean, predictable returns 🔥 VERDICT: BEST for consistent rent payers ----- 🥈 2) American Express Platinum TRAVEL Card ----- 💡 Rent counts towards milestones (big advantage) 🎯 Milestones: 👉 ₹4L spend • 10,000 MR points 👉 ₹7L spend • Total 40,000 MR points • ₹10,000 Taj Voucher 💰 MATH @ ₹7L rent spend: • 40K MR points → ~₹32K (at ₹0.8) to ₹40K (at ₹1) • Taj Voucher → ₹10K 👉 Total value: ₹42K – ₹50K ✨ Return: 6% – 7% 👉 If you optimize MR → even higher ----- 🥉 3) IndusInd AVIOS Credit Card (Qatar / British Airways) ----- 💡 Rent + utilities count towards milestones 🎯 Typical Milestones: 👉 ₹8L spend 👉 ₹16L spend 🎁 Rewards: • Avios bonuses at each tier • Annual bonus up to 36K Avios 💰 MATH (₹8L spend): • 18K Avios total • Value: ₹1 – ₹1.5 per Avios for Economy • ~₹3 per Avios for Business 👉 ₹18K – ₹27K value (Economy) & ~₹54K (Business) 👉 Best for airline-focused users with ~6-7% value back for Business Travel ----- ✈️ 4) Bank of Baroda ETIHAD Credit Card ----- 💡 Rent eligible for milestone benefits 🎯 Milestones: 👉 ₹50K per month / ₹3L per quarter/ ₹12L per annum 🎁 Rewards: • Etihad Guest Miles at each milestone • Bonus miles stack up significantly at higher tiers 💰 MATH (₹12L spend): • ~64K Etihad miles Value: ~ ₹1 👉 Return: ~5% ----- 🏁 FINAL Take ----- ✔ Want simplicity → HSBC Premier ✔ Want decent ROI till ₹7L → Amex Plat Travel ✔ Want airline miles → IndusInd Avios ✔ Niche Etihad strategy → BoB Etihad 🔖 Bookmark | ✅ Follow | 🔁 Share

@ankitdewan While applying BOB Eterna credit card it is asking to link bank account, is this normal and safe to do ??

I don't remember any offer for getting ₹400 Apay Voucher for Eterna. Yet I got this. 👇🏼 Is this a standard offer?

While applying BOB Eterna credit card it is asking to link bank account, is this normal and safe to do ?? #ccgeek

@spendwiselyx Joint saving account? How much balance need to maintained to get this

Entered the era of Premier Banking 🥰💸 👉 Opened a joint account with spouse at HSBC Premier — so got 2 debit cards 😊 💳 The much-awaited HSBC Premier Credit Card is coming soon… 🚀 👉 Will share my full journey on how I got there + meeting eligibility criteria. Stay tuned 👀 ✅ With every bank chasing high-value customers these days, there’s clearly no dearth of good options 👉 Anyone maintaining a 6-digit average balance in a savings account deserves better service Also, I’m not someone who worships any credit card like a god or calls it a “king card” 🙅‍♂️ 👉 As long as a card suits me, I’ll use it 👉 Else, I’ll move to the next one Loyalty is meant for family, friends & country — not for a credit card. I still hope rationality prevails and HDFC Bank brings reasonable criteria for the great Infinia 🤞 I have a 17-year banking relationship with HDFC Bank and will continue — as long as it remains mutually rewarding and Infinia is continued. Else, I will move my entire banking relationship to HSBC as my primary account 💼 Customer loyalty should be valued — not taken for granted. Hope customer feedback is taken positively.

@suritalreja We can pay the bills before statement generation? Does the bank charge anything?

It’s okay to have 20 lifetime free credit cards but make sure to pay the dues whenever you use them for discounts or offers, don’t wait for the statement generation date. You never know how much extra you may end up paying if you miss even ₹100 of the bill.

@karanaggarwal86 Great..

@Alam_Ali_786 Incase the prices drop, hsbc issues you a credit note/travel credit equal to the difference in the prices, capped upto 1,500. This is shown in your hsbc marketplace account & can be used in the subsequent bookings

I had booked the Mumbai-Goa flight via HSBC Marketplace for my family of 3. Since only 1 seat was available at the lower price, ended up making 2 separate bookings. Yesterday, got a travel credit of 1,500x2, since it was 2 separate bookings. We never end up checking flight prices once we book a flight, this tool comes in quite handy for small ticket bookings. The credits came just in time & were utilised instantly for another ticket 😀 Just loving the HSBC Marketplace. Have you ever received Travel Credits from HSBC?

@luxe_explorer Regalia gold it is 3:1 or 2:1 ??

🚨 DEEP DIVE: Air India x Credit Card — Complete Transfer Cheat Sheet 🧵 How do you actually EARN Maharaja Club points? 👇 ----- 🏦 Axis Bank (Group B: Best Hidden Play 👀) 🔥 Atlas Credit Card → 1:2 (BEST) • 10K Edge Miles → 20K Maharaja Points 🤯 Other options: • Burgundy Private / Magnus Burgundy → 5:4 • Magnus / Reserve → 5:2 • Select / Privilege / Rewards → 10:1 ----- 🏦 HDFC Bank • Infinia / Infinia Metal → 2:1 • Diners Black (incl. Metal) → 2:1 • Regalia Gold → 3:1 👉 Solid, but not as explosive as Axis Atlas ----- 🏦 HSBC Bank 🔥 Premier / Travel One → 1:1 (SUPER CLEAN) • 10K points → 10K Maharaja Points • HSBC Platinum → 2:1 👉 One of the simplest transfer options ----- 🏦 ICICI Bank 🔥 Emeralde Private Metal → 1:1 🔥 Times Black → 1:1 Others: • Most other cards → 6:1 👉 Only premium ICICI cards make sense ----- 🏦 SBI Cards 🔥 SBI Miles / PRIME / ELITE → 1:1 👉 Straightforward & underrated option ----- 💥 Best ways to earn fast: • Axis Atlas → MAX value (1:2) • HSBC Premier & ICICI EPM → Clean 1:1 • SBI Miles → Easy accumulation ✈️ Why This Matters NOW With new pricing: • Europe from 35K • US from 40K 👉 You can literally earn a Europe ticket faster than ever before 💡 Bottom line: Maharaja Club isn’t just better… 👉 It’s now one of the easiest programs in India to EARN for. ❤️ Like | 🔁 RT

@PranaySuhasMund @ccg33k @cards_wizard Ohh thanks pranay

@Alam_Ali_786 @ccg33k @cards_wizard No no.if we go via apple partner link via air india app/website..it gets maharaja pts.. Through any card ..just u have to buy in one go.. without going back.

Received 2,237 bonus Maharaja Points ✈️ on top of ₹4K instant discount + card rewards for ₹65,900 Apple iPhone 16 purchase (for brother). Yes.. Apple Store is one of the partners. Most Apple purchases count under Air India Maharaja Club.(Just not freshly launched products) Products not eligible for points: • iPhone 17 Pro, iPhone 17, iPhone 17e • Apple Vision Pro + all accessories • Apple Pro Display XDR, gift cards, Apple Developer, etc. (Other lifetime rules in below image) I’ve mostly seen instant discounts on Axis Bank & American Express cards.. Used Axis for ₹4K instant discount, but Amex is also a good option (same offer)… especially with Plat Travel. MRCC is good.. but not suited for such high value spends. Unfortunately both not issued anymore.. so, Amex Platinum Reserve Credit Card has a low base reward rate (~1–2%).. but effective returns can be ~5–6% 💳 after fee offset (₹10K fee, waived at ₹10L yearly). It also offers 3x multiplier on Apple purchases.. + 3x on multiple brands, especially apay, flipkart & vouchers. If stacked with instant cashback + Maharaja Club.. Apple purchases can be quite rewarding 🔥 AMEX Reserve x Air India combo works well.. Current offer: Extra 4K MR via referral → So, earlier 4 but now ~8K till 31 May +11K MR on ₹30K milestone = 19K MR total Welcome MR are credited instantly for new Amex users (no 90 days / fee clause) - it's self tested and many would agree. My link - shorturl.at/Go999 Additional benefits: • Accor+ , taj Epicure (without stay plus) • 5x on Air India (≈3–4% base) till 31st July 26. • EMI also earns MR (only via Amex Safekey) • ₹1K voucher on ₹50K/month Still #DYOR .. high fees (waived on 10L).. card flipping links not working anymore.. #ccgeeks #maharajaclub

@PranaySuhasMund @ccg33k @cards_wizard So if we buy apple product from anywhere you get maharaja points ? Or need to use specific credit card to get the points ??

@ccg33k @cards_wizard

@prashantnhn @DealsDhamaka So how does it work but croma voucher then go to croma offline store and then give me voucher to put or how??

@DealsDhamaka Either via Croma GV or Vijay Sales vouchers. I found the price a bit lesser in Vijay Sales, so purchased from there. If don't want the hassle of Gift voucher redemptions and you're in AEP month - direct swipe (but do check the MCC of the machine)

Dear ccgeek, Please suggest way to buy iPhone 17 📱 in India ? Have all major cards, have GST as well. #ccgeek

@ankitdewan There are lots of discrepancies even i found in my regalia gold statements , its been a case since last 3 months… i have just sent an email to hdfc grievance with screen shot to explain this and cross check once

Can anyone tell me how HDFC calculates accelerated RP in the statement? Below is my snapshot of Regalia Gold RP, and I cannot make heads or tails of it. I have spends of 2k + 4k + 6k + 6k on Smartbuy Gyftr, all on different dates. And there is no other transaction on Smartbuy.

@nenu_rajendra @DealsDhamaka @pointperkspicks So you swipe the regalia gold at reliance digital store and got 5x rewards??

@DealsDhamaka @pointperkspicks Ragalia gold - reliance digital (pos transaction) 5x points (personally bought ac and smartphone in last 3 months) 2) smartbuy - dcbm - reliance digital voichers - tried for tv , not sure if iphone is eligible (personally tried) 3) heard about adani airport- smartbuy (not tried)

@PointsPro Quick query, can we accumulate 2 year free night points i mean 15000 1st year plus 15000 second year that is 30k for 2 year renewal and keep it and utlilise it one go ?? Or is it like after every renewal previous year free night will be zero

🚨 Setting up alert for sub 40k points Since the HDFC Marriott FNA covers till 40k, I have set up alert at JW Mussoorie. Let's see if the rate falls. Try using alerts rather than manually checking frequently. Anyone who has stayed here, is it good? How does it compare to Westin Himalayas?

@jassneetsingha For air india atlas ratio is still 1:2 or 2:1 ??

5,000 points Mumbai–Delhi? Game changer Puts Axis Atlas back in perspective ! Now Mumbai–Delhi at 5,000 Maharaja Points actually works really well for me — I take multiple flights every year anyway. At ~₹1+ per Atlas point, this redemption starts looking solid. I usually book via Infinia points, but this revaluation is clearly tilting the balance back towards Atlas — especially with the 1:2 transfer to Air India.

@jassneetsingha @RushilM_ @PranaySuhasMund Any such chat option to increase credit limit in HDFC?? rm is useless

Stuck with a low credit limit on Axis and wondering how to get it reviewed? No RM support. No endless email back-and-forth. Try these steps compiled by @RushilM_ 👇 Also check @PranaySuhasMund’s tip on removing the enquiry.

@EvryPaisaMatter Which card you used for pizza hut and taxi booking?

✈️ Day 1 – Delhi to Singapore 🇸🇬 Kicked off the trip on 28th March with flight AI2115 (Airbus A321 Neo), scheduled at 10:35 AM — delayed by ~34 minutes, but nothing major. At Delhi Airprt, my Boarding Pass was marked as "RR" leading to additional screening by Customs. (Made a Reel on same and it went viral) We were in Row 23 (emergency seats): 👉 Crazy good legroom (arguably the best in economy) 👉 But almost useless window — tiny and awkward to access Landed in Singapore at 7:11 PM, and the real highlight? ⚡ Immigration in under 30 seconds — fully automated, insanely smooth. Hung around Changi Airport for a bit (can’t rush that place), and left around 8:50 PM, reaching hotel by 9:11 PM. 🚖 Transfer Tip: Booked 2 x 6-seater taxi (~$30 x 2) •6 people + 6 big suitcases + handbags •Singapore taxis are strict on luggage capacity, so don’t try squeezing into smaller cars 🏨 Stay: ibis Novena (first 4 nights) •₹27,300 per room for 4 nights (Red Hot Rooms deal) •3 rooms booked •No breakfast included ✈️ Flight Cost (Return): ₹3,120 🤯 Pulled off using: •HDFC BizBlack milestone vouchers •HDFC BizBlack points •Scapia ₹35K vouchers •HDFC Infinia points 🍕 Dinner = nearby Pizza Hut. Simple and perfect after a long day. 👨‍👩‍👧‍👦 Group: 6 people (4 adults + 2 kids, 13+) First impression of Singapore: Fast, efficient, and everything just works. More updates coming soon ✨