Amit Kumra
1.6K posts



Got a DM asking this 👇 Upgrade from HDFC Millennia → Regalia Gold (FYF) — worth it? Current setup: • HSBC Live+ → groceries (offline) • SBI Cashback + Jupiter Edge+ → online spends • Axis Airtel → utilities (likely closing post devaluation) • HDFC Millennia • Tata Neu Infinity (applied) • ICICI Amazon Pay My first thought — this is a clear cashback-focused setup. So the real question: Does moving to Regalia Gold (travel rewards) even make sense here? Or is it better to double down on cashback and skip the upgrade? What would you do? 🤔















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Now beat that ..... Making Vietnam trips more cheaper ✈️...









Smart Reward Hack 🚀💳 I’ve been using PhonePe Gift Cards in local shops wherever PhonePe QR is accepted — and yes, it works smoothly !!! Here’s my simple rewards strategy 👇 🔹 Buying PhonePe Gift Cards via #MagnifyApp 🔹 Paying with #AxisAtlas Credit Card 🔹 Getting ~8% rewards on the gift card purchase 💰 Then I use the gift card for: ⛽ Petrol pumps (where PhonePe QR is accepted) 🍔 Swiggy orders 🛍️ Local merchant payments Instead of paying directly, I route spends through gift cards → earn rewards → then spend normally. Small optimization. Big long-term gains.📈 🔗 - Magnify to turn my everyday shopping into free travel ✈️ - magnify.club/app/ #FinTech #CreditCardRewards #AxisBank #AxisAtlas #PhonePe #RewardPoints #Cashback #SmartSpending #MoneyHacks #IndiaFintech #Petrol #Swiggy #UPIPayments #PersonalFinance #FinTwitter #ccgeeks #ccgeek









