Pranay

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

SBI Cashback ≠ PhonePe Select Black Got your PhonePe Select Black Card? Thinking it’s almost same as SBI Cashback Card? Here’s what you should know 👇 Rewards Cycle PhonePe → Calendar month SBI CB → Statement cycle Rewards redemption PhonePe → Points (convert to statement credit via call/mail: customercare@sbicard.com) SBI CB → Direct cashback to card MCC advantage PhonePe → Gift cards & jewelry NOT excluded ✅ Hassle free experience on CRED. Milestone benefit ₹5L spend → ₹5K Yatra voucher Lounge access PhonePe → 4 domestic/year SBI CB → No lounge Bottom line: SBI CB = Simple cashback PhonePe = Needs effort, but can give extra value 👍

@ankitdewan Ya..few pumps near me..heard that BPCL is better fuel..

@PranayCC Good one. Never thought in BPCL direction as hardly any BPCL pumps near me.

Are you still not saving anything on fuel in 2026? Here is what others are saving - 🤓 Beginners save 5% 😎 Experts save 8% 🤯 Legends save more than 10% And you? Here are a few tried & tested ways to get the maximum return on your fuel spends. Thread 👇🏼

@SavageAryan007 Best phone..

Went to check OnePlus 15 online (dad is phone searching these days so we were interested in considering this for a purchase) Turns out there's absolutely zero stock on OnePlus' Online Store, and Amazon seems to have limited stock (Only 16/512 in Sand Storm colorway available) Asked three offline stores near my house, they don't have the device in stock (naturally, since they were rumoured to pull out of offline markets), so no luck there either. What's happening with this phone? I hope they do a restock soon or else I will have to spend even more on some other phone 💀

@ankitdewan @MyIndusIndBank 😅 let me know too..same!

I want to have what @MyIndusIndBank is smoking!

‼️ HDFC Users Alert👇 PharmEasy has been completely removed from the PayZapp app (and SmartBuy). The era of up to 10X reward points (and massive ~40-50% effective savings on medicines) is gone for now. 💊📉 #HDFC #PayZapp #SmartBuy #CreditCards #Devaluation

@FinPaal This was also picked in one day by delhivery..!👍🏻 x.com/i/status/20345…

Let me clarify the context. I urgently needed a few documents signed by my mother, who lives in my hometown (a relatively large village). So, I sent the documents to one of my tenants. He helped get them signed and packed. I requested a pickup via Delhivery, it was picked up within few hours (Thanks to my connections with courier companies) and is now on the way. Seamless doorstep pickup, even in a small town, is definitely something to cheer about..

@FinPaal Scary..! x.com/i/status/20513…

I feel Delhivery is one of the most underrated apps in the world of logistics...

@pratik_sarangi @iSatishAgarwal DC

@PranaySuhasMund @iSatishAgarwal And you were trying to redeem the cc points or dc points?

Finished last set of ID FC ac pts.. All family products.. nothing personal.. This bank is clearly facing challenges..😅 They blocked my pts redemption..then after giving proper details and RBI intervention, now it's resolved.. This was my 1st RBI complaint that too raised for family.!! Cheers🥂 #ccgeeks

@CreditCardsInd @skh27 Atmanirbhar bharat ..

@skh27 Pay to agent and he will do everything.

For driving license renewal do i need to visit the RTO or is there an online process?

@vaibhavluthra Fair point..!

@PranaySuhasMund I have kept T1 aside, next year dekhenge. I have 2 MRCC and RG, isliye DCB nahi le rha 😂

Did a deeper comparison between DCB vs Atlas vs Atlas + Regalia Gold 👀 Was curious to see how a ₹10K fee card holds up against Axis Bank Atlas Credit Card… Turns out it’s still a very strong contender. Assumptions: • ₹8L annual spends • ₹2.5L via vouchers 🎁 • ₹1.5L on travel ✈️ Results: • DCB: ~46K rewards • Atlas: ~51K rewards • Atlas + Regalia Gold: ~67K rewards 🚀 👉 Winner: Atlas + RG combo 🔑 Key Takeaways: ➡️ You don’t always need a super premium card High annual fee ≠ highest rewards. Strategy matters more. ➡️ Smart pairing beats standalone cards Axis Bank Atlas Credit Card + Regalia Gold = serious upside 🚀 ➡️ Maximise, don’t replace If you already hold Atlas, don’t rush to close it. Layer it with the right card instead of chasing the next shiny premium option. If you’re looking to add Regalia Gold to your setup, apply here 👇 vaibhavluthra.short.gy/rxKgJo

@vaibhavluthra Bhai tension hogya hai mujhe..have DCBM + atlas + T1 + MRCC 😃..will try to distribute spends

@PranaySuhasMund That would be killer but 4 lacs a quarter is too much 😄 Atlas and MRCC ke bhi to milestone pure karne hai 😂

@creditcardwalah True🙌🏻

@PranaySuhasMund True, HSBC support is quite reliable for MCC. Axis can be hit or miss sometimes. GV accelerators would be a game changer hopefully soon.

For some portals we can't simply use other cards to check MCC.. Have to rely on HS BC support.. Great chat support..! Any other banks also tell..but the information shared may be incorrect sometimes.. happened with axis ( wrong MCC ) Btw when are they bringing accelerators for GV portal, God knows!! #ccgeeks #MCC

HSBC TravelOne has one very important detail most people miss. These categories do not earn reward points: Utilities Insurance Jewellery Education Government payments Tax payments Fuel Wallet loads Real estate Money transfers Financial institutions Cash advances But here’s the interesting part. These spends still count towards milestone spends. So while you may not earn points on these transactions, they can still help you move closer to your annual milestone benefit.

@s_ac_hi_n Might be the case..works without issue on company operated pumps.

@PranaySuhasMund I think it wasn’t company operated pump.

Amazon Pay balance can be used for BPCL fuel too (with some charges) OR Also, you can use existing credit cards at BPCL to earn rewards If you prefer/trust BPCL fuel over HP: Recharge SmartDrive wallet via: • Wallet → Amazon Pay option • BPCL voucher (bought via CC) → load in BPCL app Limits: • Max 2 recharges per day • Monthly limit: ₹20K At the pump: • Tell the petrol pump guy you want to pay through OTP • Exact option is 'ALP OTP' on POS machine • Share your registered number → enter OTP → done *(Works only at company-operated pumps)* If no company-operated BPCL pump: • Simply swipe Kotak 811 (plastic or metal) DC at any pump → ~5% BPCL vouchers available on: • Magicpin • Zillion • Gyftr (charges) • Maximize (charges) • Magnify (charges) • Hubble (bank UPI only) Extra fuel cards are not always a smart choice.. #ccgeeks

@s_ac_hi_n It should have worked..if it was company operated pumps..then should have..maybe server issue

@PranaySuhasMund I loaded bpcl wallet using voucher and at fuel station they cud generate the otp but transaction could not get completed. Any reason?

@ChaiAndMiles Absolutely..

@PranaySuhasMund I feel cutting down on impulsive spends itself will help us tone down the inherent push to achieve the next milestone.

Harsh truth from ~10 years in IT When we were earning X/month, the target was 2x. Reached that milesone to only start chasing next one, 3x milestone. Now at 4x of the original goal, but expenses & lifestyle have scaled up equally. Spoke to my wife, she feels 6x is the sweet spot. I’m a bit skeptical…that extra 2x might come with next-level stress and pressure. But that’s corporate life in India I guess- goals keep shifting, and we keep running behind the next number. What’s your current number (mask it with X) and what are you aiming for? 👇