Karan Mohta

@ccg33k Limitation on transfer partner is KF or smart buy

A lot of people assume the 7,500 bonus points cap on HDFC BizBlack's 5X category spends is a combined cap that includes SmartBuy rewards. That's NOT true. ✅ 5X rewards on Tax/GST/Utility spends have their own cap of 7,500 bonus points per "statement cycle" ✅ SmartBuy rewards (flights, hotels, vouchers, pharmeasy, myntra, jockey etc.) are tracked separately and have their own bonus points cap/limits of 10,000 points per "calendar month" Note: 7500 is per statement cycle and 10,000 is per calendar month cycle. This is why BizBlack is widely considered to be a better card than Infinia... If you have both, that's maximum 32,500 accelerated points per month + Base Points!

@wittysiddharth Sign up with Xtreme Sports @RajVadgama18

I have registered for marathon on 30th August - 10kms At this point of life i cant even drive for 10kms . Ankle has ligament tear Back has severe issue , Slip Disc. Weight 98kgs Taking Lowest power Hypertension Medicine daily. . But i have tremendous will power , i have completed 2 half marathons in past. . So all you fitness heros pls suggest how can i get ready for the upcoming marathon without getting further injured.

@CatchMeAbhiOrb Plz explain

Monthly Savings of 35% is here 😎 Effective Spends - 7150 INR No CC Hack can beat this ❤️ #IncomeTax #ccgeek

@cards_wizard Any idea how long does icici to air india take? Did trx yesterday not come yet

😮‍💨 Dunno who needs to hear this but… ✈️ Seeing a lot of screenshots claiming ₹2, ₹3 or even ₹4 per point on Air India redemptions. I think that's the wrong way to look at it. 📌 Just because a flight was selling for ₹1 lakh and you redeemed points for it doesn't automatically mean you extracted ₹1 lakh of value. The real question is: 💭 "What would I have paid if points weren't an option?" If an Indigo flight on the same route was available for ₹75,000 and that's what you would've booked, then your actual savings are much closer to ₹75,000 than ₹1 lakh. Don't get me wrong — points can save a LOT of money. But the best metric isn't "What was the airline charging?" It's "How much cash stayed in my pocket?" The rest is mostly there to make our brains feel good 😄

@wittysiddharth Are they heavy?

The best shoes currently in Market - Hoka Bondi 9 . I believe its better than On cloud shoes! What say?

@se_quedaa Nope buying forex with m4b!

@KaranMohta You mean Burgundy forex card? I have that but it’s a net 0 card, m4b is still a net positive card even after forex so i prefer that.

Axis killing Accor has genuinely made travel card planning confusing 😭 Earlier it was simple: any foreign trip month = swipe M4B because it was almost always an AEP month. No second thoughts. Now I’m in Japan 🇯🇵 and have done all spends on M4B for the last week. But from June 1, I’m genuinely confused because the math suddenly feels very different… • Continue M4B → ~2.5% effective return (assuming June won’t be an AEP month, with only ~6 Japan days left) • Switch to T1 → ~8.2% to Accor from day 1 + 0 forex Leaning towards shifting to T1 for the rest of the trip… but abandoning M4B mid-trip after years feels weird 😂 Curious — what are you guys doing post-Accor removal? Still team M4B abroad, moved to T1, or found a better setup? 👀 @ccg33k @EvryPaisaMatter @imYadav31 @CatchMeAbhiOrb @SartanparaYash #CreditCards #TravelHacking #Accor #AxisBank #MilesAndPoints #JapanTravel #CreditCardRewards

@ProfessorCardz Room size manageable ? Did bag open?

🚨Accor Paglus Take note (Stay plus + Accor Points) 👉🏻IBIS Styles Tokyo Bay - Best place to stay for almost free for ⛳️Booked through Accor Stay Plus for 3 Nights at ¥19304 👏Paid using 5000 Accor Points plus Credit Card during checkin. Follow more more Japan Related stuff among other things related to credit card. #ccgeeks #creditcards

@ProfessorCardz Osaka universal is Rs 5345/- Or 7700 KF, is it worth it?

🖖🏺Chose Harry Potter Studio + 3 days pass + 3 days subway tickets for 2 with 32000 Amex MR points. Transferred to Krisflyer at 2:1 ratio. Value ₹14000 approx. Site Pelago. Register here and get ₹500 x 2 Vouchers here pel.sg/XzJQx3 Bookmark for all redeemable activities on Palego. #ccgeeks #japan

@ProfessorCardz What site is this

@ankitXtech What is process for lounge access for guest?

Any practical benefits or use case of this? 🤔

@jatinsapra @aman6490 Where do you see these vouchers?

Accor has restarted vouchers for Indian Accor+ Explorer? @aman6490 any confirmation on same?

@wittysiddharth Isn't it easier to take jal @ 40000 from Axis?

I booked 3 JAL business class tickets from American Airlines , transferred these points from Marriott with 3:1 which i got from AMEX. . Only true ccgeeks will feel the adrenaline rush i got from booking this ticket!! . #ccgeeks #ccgeek

@man1sh_golcha @think_in_points No harm is keeping card. We will need up paying 1800 gst for 12500 points...

@KaranMohta @think_in_points 12.5K points for paying 12.5K fees

Will most likely end up missing the ₹10L fee waiver milestone on my EPM this year. Around 40 days left and still need ~₹2.5L spends to hit the target, but I don’t really have any major spends lined up. So I’ll probably just let this one go, pay the annual fee, and happily take the 12K bonus points that come with it. Honestly, when I got this card last year, I was fairly confident that ₹10L spends would happen naturally on it. But the continuous devaluations have genuinely reduced the use cases to spend.

@man1sh_golcha @think_in_points Don't you get 10,000 points on paying the fees?

@think_in_points I have almost no spends on this card. Will pay fee and keep ir

@wittysiddharth Is this JAL? What food choice for veg did you book, very confusing.

My first time!! . #ccgeeks #ccgeek

@wittysiddharth Dont forget to say veg food in case else might be a problem.

To all the Business Class expert ccgeeks 😄 What are some important Do’s & Don’ts while travelling internationally in Business Class for the first time? Mine is a 7.5 hours flight. Things people should know about • Meals • Seats / beds • Boarding • Pajamas / amenity kits • Carry-on hacks etc. Would love to know the small things seasoned travellers do 👀 #ccgeeks #ccgeek

@wittysiddharth What service provider you using? Following for review

Japan’s luggage forwarding service honestly feels like a cheat code for travellers 😭 For our upcoming trip, we’re planning to send: • 1 suitcase directly to Osaka • 1 Tokyo-use bag also to Osaka • 1 separate bag directly to Kyoto And we’ll carry only 2 small bags with us for Gotemba. The idea is to travel almost luggage-free across Japan instead of dragging huge suitcases through trains and stations 😅 Has anyone here tried this in Japan before? How smooth and reliable is the service? #ccgeek #ccgeeks #japan

@wittysiddharth M4b would be ideal on AEP, these don't make sense, you will have 40,000+ miles to choose Avios Or what ever? Pls correct

For my upcoming 17-day Japan trip next week, I was contemplating which credit card I should primarily use there. Considering an overall spend of around ₹4 lakhs, let’s break down the options. Flights and most hotels are already taken care of using points. However, in Kyoto I’ve booked a Marriott property on revenue because the points redemption didn’t make sense there. That stay alone is around ₹70K. Other expected expenses: • Food • Taxi / Bus / Trains • Shopping • Sightseeing So let’s see which card gives the best overall value 👇 PS : This image is 8 years old when i first started my youtube journey as ccgeek #ccgeeks #ccgeek

@mepritijain Pls share!

🗺️ 📍Have created a Google Maps link with more than 30 trusted Vegan and Veg eateries all across Japan 🇯🇵 Do Repost this thread 🔁 and DM once done, I'll share the link with you 🤗. Trust me , it would be super handy for your Japan Trip 💎

🚨Ultimate Guide for Vegetarians in Japan 🥗🇯🇵 Finding Veg food in 🇯🇵isn't easy , but if you know the exact dishes to try, you'll love the cuisine and appreciate the art of making it 🤌 This 🧵with Vegan/ Veg dishes with Restaurant recos is all you need for your 🇯🇵 trip 👇