Archit Ghangurde

@HSBC_IN Case Reference Number 39776321 (KMM26104885V30309L0KM)

@archit_dr Hello Archit, We apologize for the inconvenience caused to you. To help address your concern request you to please share the complaint Case ID or reference number if any so that we can forward details to the concern team.^Shiva twitter.com/messages/compo…

If Accor is your end goal, your best bet is simple: go with either HSBC Travel One or HDFC Regalia Gold — and if possible, hold both. HDFC Regalia Gold works beautifully for daily spends. Route them via vouchers and you can push returns up to ~13% in Accor terms. HSBC Travel One is your strong all-rounder: • ~4% back on offline spends • ~8% in Accor terms via OTAs (plus instant discounts) • ~24–48% value back when you optimise via Hopper. Apply now : Regalia Gold 👉 jasscc.short.gy/mPjLzk Travel One 👉 jasscc.short.gy/mrfs0a

@HSBC_IN It's more than 2 weeks....is ur concerned team still looking into it???

@archit_dr Hello Archit, Thank you for confirming the issue is registered. The concerned team will look into it and revert accordingly. Please note case reference number will be shared to the registered email address in some time. Appreciate your patience in the interim. ^Shiva twitter.com/messages/compo…

@imYadav31 This is one of the best value redemptions for amex points and mariott. Even I got a value of 92 paise per MR point for a 2 night stay at this property in march

Here is how extracted more than Rs 1 value from Amex MR Points for 5 day vacation in Sri Lanka. x.com/imYadav31/stat…

Amex Platinum Reserve was never really my go-to card. In fact, I hardly recommended it to the larger audience. But this limited-time welcome offer changes the entire equation. Apply Now: americanexpress.com/en-in/referral… For a fee of ₹10,000 + GST, the entry benefits suddenly start looking seriously interesting 👇 ✨ 19,000 MR points • 8,000 MR via referral after just ₹5K spend • 11,000 MR on fee payment + ₹25K spend in 90 days And that’s not all… You also unlock a mini-Accor+ style package: 🔥 Red Hot Room rates 🍽️ 30% off dining + 15% off drinks across APAC 🏨 15% off stays globally across 30+ brands 💠 20 status nights credited which means a faster road to ALL Gold if you complete 10 Accor nights in a year Plus: ✅ Taj Epicure Plus (without free night) ✅ EazyDiner Prime Membership worth ₹3K And the rewards engine is decent too: ⚡ 3X on Reward Multiplier ⚡ Extra 5X points on Air India and TataCliQ Earlier, I had no strong reason to look at Platinum Reserve. Now? For the right user chasing welcome value + hotel dining perks, it finally makes sense.

@creditcardz_in I know...but regalia gold devaluation is still ok. Hsbc travel one I am not getting despite clearing all inclusion criteria...only because HSBC is adamant about having gst no. Hence sadly Doctors like me cannot apply as we dont have or need gst. Airtel axis I will be closing.

@archit_dr You should explore other cards mate. Regalia Gold is also getting devalued from next month

RIP Amex Plat Travel "Sweet Spot." From a 9.5% reward rate down to a measly 4.1%. The goalposts just moved to ₹7L, and the competition is feasting. Here is the math on why I’m holding it (for now) and how it stacks up against other cards. 👇 creditcardz.in/what-to-do-wit… #ccgeeks

@HSBC_IN Ok

@HSBC_IN Yes it has been registered on mail and thru phone banking

@archit_dr Hello Archit, we appreciate you reaching out to us. Can you please confirm if the issue has been registered on the link shared with you? If not, kindly do so and raise your concern with the team.^Shiva(1/2) twitter.com/messages/compo…

@HSBC_IN Still waiting....if this is not sorted till the end of April 2026...then I may not be able to apply as by that time I will have to pay renewal fee on one of my existing card and continue with it for a year at least!!!

@archit_dr We’ll review it shortly and someone from our team will get in touch with you. Your cooperation and patience are appreciated!(2/2).

@HSBC_IN Any update on this

@archit_dr Rest assured we’re taking this seriously and our team will resolve this on priority. ^Shiva (2/2) twitter.com/messages/compo…

@jassneetsingha @iSatishAgarwal 🤣🤣🤣

@iSatishAgarwal Tell them you wish to buy a ULIP policy. Fr dekho, 1 hour ke andar ghar pr

Anything more USELESS than "HDFC RELATIONSHIP MANAGER" 😏 Convince me if you can 👻

@HSBC_IN Good to know i hope u solve it before the end of this month...

@HSBC_IN I had contacted phone banking yesterday where one of your executive just confirmed that without GST they cannot proceed

@archit_dr Hello Archit, we apologize for the unpleasant experience. It’ll help us assist you better if you connect with us via Phone banking, where we can resolve this quickly and securely for you. Use this link to reach us: grp.hsbc/61800utT8.^Shiva twitter.com/messages/compo…

@asktarunn Nice compilation. The best redemption i got was at weligama bay mariott resort and spa sri lanka. Got a per point value of 92 paise!! Stunning beach front property.

Best Value Marriott Properties in India (40K Points or Less) 🇮🇳 Looking to stretch your Marriott Bonvoy points? Or looking to redemm HDFC Award night at the best place? Here are some of the best redemptions you can book at 40,000 points or below 👇

@imYadav31 Do u mean America on war mode 🤪

Amex on war mode today 🔥🫡

@jassneetsingha Sadly doctors like me cannot apply for hsbc travel one ...as HSBC has a ridiculous criteria of gst no. Compulsory.....we doctors dont have or need gst ...despite msging them here and also email...no resolution. #ccgeeks

Axis Atlas is now as good as HSBC Travel One. Atlas without Accor is 4% Travel One with Accor is 4% Now, if you want Accor stays, you should be moving spends to Travel One. It is a simple choice. Apply T1 Now 👉 jasscc.short.gy/mrfs0a

@HSBC_IN u r not interested to issue credit cards to self employed doctors in India even if they fulfill all the eligibility criteria? FYI doctors are professionals and do not need to have a GST no. Like other businesses! Really disappointed with this cumbersome requirement! #ccgeeks

@archit_dr (1/2) Hello Archit, thank you for writing to us and showing interest in HSBC credit card. For self-employed, there are certain criteria that need to be met in order to apply for HSBC credit cards. GST number is one of those. twitter.com/messages/compo…

@HSBC_IN i am trying to apply for travel one card,but under selfemployed category gst no. is a compulsory step. I am doctor so I dont have/need gst no. How am I supposed to apply? Have raised issue on mail,but after initial email reply from ur team hasn't provided solution.

@jassneetsingha I have regalia gold and amex plat travel ...is it better to give up amex and get axis horizon to pair with regalia gold ?

If there’s one card from the HDFC portfolio I’d recommend almost everyone (if eligible) to get, it’s the HDFC Regalia Gold. 💛 Detailed features in the first comment. But here’s why this card actually makes a lot of sense. Why should you consider it? 👉 It covers several spend categories that many other cards exclude — with reasonable caps where applicable. 🔥 Utility ✅ 🔥 Insurance ✅ 🔥 Education ✅ 👉 Underrated benefit: Accor transfers at 2:1 — the same rate as Infinia and Diners Black. 👉 Fee waiver at ₹4L spend. Honestly, that’s not a stretch for anyone with reasonable annual spending. 👉 Meaningful 5X rewards on select brands: • Marks & Spencer • Myntra • Nykaa • Reliance Digital 👉 Decent milestone benefits 🌴 ₹1,500 voucher on ₹1.5L quarterly spend 🌴 ₹5,000 flight voucher on ₹5L annual spend 🌴 Additional ₹5,000 flight voucher on ₹7.5L annual spend 👉 Redemption value: Reward points can be redeemed on SmartBuy at ₹0.50 per point for flights and hotels. And most importantly 👇 🔥 HDFC’s credit card ladder actually works. Stay loyal, spend consistently, and be patient — upgrades do happen. It’s a well-rounded card. Pair it with Axis Horizon (if your spends justify it) and you can take the Accor game to the next level. Apply here: jasscc.short.gy/mPjLzk

@credofly @AxisBank What if we dont spend on base reward earning category ...will we not earn any cashback on airtel and utility bills spemding?

It's been 7-8 hours and I'm still thinking about and trying to figure out the logic 🤯 behind the Airtel Axis credit card devaluation. 🤞They could have simply reduced the 25% to 5% or 2%. 🤞They could have simply discontinued the card. 🧠Why such a complex change, @AxisBank?