Card Buzz

All 2x calculation needs to be fixed now. 😭🥺

Double win with HDFC 💳 Achieved ₹1L milestone on both Millennia credit cards ✅ + Unlocked spend-based offer on Infinia (Rs 1000) Free vouchers rolling in 💰

@thetrueccking @CardNiti @ankitdewan Congratulations 🎉

1000 followers. Can't express how happy I am to get to this spot. 6 months of creating this account and being verified, I genuinely thought I'd hit maybe 200 followers. But it's been surreal. Special thanks to folks that guided me a lot , especially @CardNiti @ankitdewan . Made a few friends as well along the way and found a new love in Starbucks thanks to @RushilM_ . Right now I'm team @bigulchugh for how easily bro does hits in Twitter. Also, special mention to @FinPaal bro for being the God of gold . This account also allowed to me get to know some amazing folks personally like @varunkrish and @nivasravi . The decision to create a twitter account has time and time proved to be so valuable for me. Thanks for the 1000 followers ! Next shutout at 5k followers.

@asraninikhil89 Mostly it is 1 year validity. Please DM

@cardzbuzz I want to confirm whether I have to redeem it within the next few days or if I can collate the vouchers for a year if validity is 1 year.

🚨 Calling all RuPay Select Debit Card users 💳 (BOB EMT/ PNB RuPay Select/Others) ⚠️ Check your gift voucher balances & expiries After my last post on PNB RuPay Select Imperial, I got tons of DMs asking: 👉 Voucher expiry? 👉 Can vouchers be clubbed? So here’s a single reference list 🧵👇 Bookmark this. Save this. ✅ Voucher Balance & Expiry Check Links: 🎬 Amazon Prime 🔗 amazonbalance.qwikcilver.com/en-gb/ewpc ⏳ Validity: 1 year 💍 Kalyan Jewellers • Codes starting with KGJ 🔗 gvhelpdesk.com ⏳ 6 months • Codes with numbers 🔗 kalyanjewellers.net/gift-card/publ… ⏳ 6 months ✅ Up to 20 vouchers can be clubbed 🧬 Thyrocare 📱 WhatsApp Support: +91 98706 66333 ⏳ 1 year 🏋️ Decathlon 🔗 woohoo.in/BALENQ ⏳ 1 year ✅ Can be added to wallet / clubbed 💊 Apollo Pharmacy 🔗 apollopharmacy.in/voucher-balance ⏳ 1 year 🛒 Blinkit 🔗 gvhelpdesk.com ⏳ 6 months 💄 Lakme Voucher 🔗 woohoo.in/BALENQ ⏳ 1 year ✅ Can be clubbed 🏃 Cult.fit 📱 Check validity directly in Cult App ⏳ 6 months 🛍️ Flipkart 🔗 woohoo.in/BALENQ ⏳ 1 year ✅ Can be added to wallet 🖥️ Reliance Digital 🔗 gvhelpdesk.com ⏳ 1 year ✅ Can be clubbed 📺 JioHotstar 🔗 gvhelpdesk.com ⏳ 6 months 🔍 General Rules 🔹 If gift card code starts with or contains “GYF” 👉 Check here: 🔗 gvhelpdesk.com 🔹 If gift card has a CODE + PIN 👉 Check here: 🔗 woohoo.in/BALENQ or pinelabs.com/terms-and-cond… ⚠️ Official RuPay note: Vouchers generated via RuPay Select are officially said to have 1-month validity ➡️ Advised to redeem ASAP 📌 Voucher partners change over time, so this list needs periodic updates. I’ll keep adding updates in replies. (Sharing for awareness, please verify once from official sources)

@asraninikhil89 Which voucher?

@cardzbuzz Bhai, it is showing error generating voucher status on the gyfr helpdesk website.

@SartanparaYash @HDFC_Bank 1 free night extra 😁

@cardzbuzz @HDFC_Bank Ah sad. Its against their own MITC, how much compensation did you get?

My @HDFC_Bank Marriott card renewal fees were charged on 24 November 2025 Paid in December and also did a transaction The Free Night award is not credited in my account yet Officially the wait should be 6 weeks but it's still not credited yet Anyone else facing the same?

Now Swiggy instamart also removed gift card

Platform that uses Jewellery mcc - Direct purchase Myntra/Swiggy instamart/Flipkart/Flipkart minutes Platform that doesn’t allow Gift card for Gold - Ajio/Bigbasket/TataCliq/Zepto/Myntra

💍 Since most online platforms are now switching MCC to Jewellery (5944/5094) for gold coin purchases, and limiting gift card options, it’s more important to hold cards that reward most spends, including jewellery. Here’s a consolidated cheat sheet for gold & jewellery spends: 🏆 High Reward Cards • HDFC Infinia ~3.33% reward rate • Diners Club Black Metal ~5.5% (4L/Quarter) • ICICI Emeralde Private Metal ~3% reward rate • HSBC Premier ~ 3% points (1L), ~6% value for Accor • YES Bank Marquee (Limit 5L spends) Online: ~4.5% Offline: ~2.25% • YES Bank Reserv (with subscription plan, 6L spends) Online: ~6% Offline: ~4.5% • Axis Olympus ~8% value (Accor) • Axis Horizon ~4% value via Accor • HDFC Regalia Gold - 1.33% base rewards (~2.67 for accor) Also have milestone benefits Brand-Specific Cards (Tanishq) • Tata Neu Infinity 5% NeuCoins at Tanishq (up to ₹18L spends) • SBI Titan Card 3% at Tanishq (₹25K quarterly cap) 📈 Milestone Optimization Cards • Amex Platinum Travel ~ 4% (7L spends) • Amex MRCC ~4–5% returns around ₹20K/month • Diners Club Black Metal - already covered above • Times Black ~2% base rewards + milestone bonus • BoB Eterna 0.75% base + milestone (up to ~1.75% on 5L) 💳 Cashback Options • Amazon Pay ICICI 1% unlimited cashback • HDFC Millennia ~2% cashback (1% base + 1% milestone on 1L) • SBI PhonePe Black ~1% (upto 2L spends) 📱UPI Option • YES Bank Kiwi Card ~4% rewards on UPI spends with milestones • BOB Eterna 0.75% base + milestone 1% • SBI Phonepe Black ~1% Note - Reward rate is based on the best redemption option 🧠 Optimization Tips ✔ Prefer cards that don’t exclude jewellery MCC (5944/5094), as when deals are posted by @FinPaal/ @ccg33k it gets OOS very soon😅 Where Magnus Burgundy/Atlas/SBI and Axis Cashback/Selfe(specific MCC) can also be used - ✔ Use Voucher wherever possible, like Kalyan/Tanishq store, Swiggy Instamart ✔ Some online merchants may still use a favorable MCC for most cards, like Ajio, Blinkit, Amazon ✔️Workaround for Myntra via Phone-pe Bookmark if you find it helpful. @SartanparaYash @CardNiti

@shiva1626 @bethalaluka @jassneetsingha @FinPaal You would be eligible for axis cashback as well, call them if needed.

Checked my pre approved offers of below Axis CC with fees. Anything worthy ? Axis Privilege - 1500 Rs Axis Horizon - 3000 Rs Axis Select - 3000 Rs Axis Rewards - 1000 Rs Axis Magnus - 12500 Rs Axis Neo - LTF Axis Myzone - LTF @bethalaluka @jassneetsingha @FinPaal @CardNiti

@Bansal_ig @ProfessorCardz @CardNiti @CardMavenIn @ccg33k @EvryPaisaMatter @imYadav31 @DealsDhamaka @BaluGorade @DoBaniye @FinPaal @bethalaluka DM

Can anyone help me to connect to any BOB card manager for applying BOB eterna through them, i am getting error on online website @ProfessorCardz @CardNiti @CardMavenIn @ccg33k @EvryPaisaMatter @imYadav31 @DealsDhamaka @BaluGorade @DoBaniye @FinPaal @bethalaluka

Infinia users ke beech khushi ki lehar

@SartanparaYash @AxisBank @AxisBankSupport @RBIsays @jagograhakjago @TRAI Pick up the call and ask the agent to put your number on DND. Works well for me.

Hey @AxisBank @AxisBankSupport STOP this bullshit, my wife checked for a pre-approved card once and decided to not get any card still you are SPAMMING multiple times per day using different numbers even after saying NO.

@sumit_nathany Nice to hear

@cardzbuzz Tried it this month. Works exactly as shared. Thank you so much for sharing this

🚨 ₹2,500/month rewards using a DEBIT card?! Yes. Debit. Not Credit. 👀 💰 0.75% effective reward rate Meet the BOI RuPay Select Debit Card 💳 How this works ✅ ₹2,500 value per month PER CARD ✅ Works on ANY app/website/offline – Credit card bill payments – Wallet loads – Large purchases – Places where CC rewards are excluded The maths (simple & clear) 🔹 Max points/month: 10,000 🔹 Value per point: ₹0.25 (Amazon Pay Voucher) 🔹 Max monthly value: ₹2,500 🔸 Minimum spend to unlock rewards: ₹10,000 👉 To earn full ₹2,500: 💸 Spend/Pay Bill ₹3,33,333/month(<=50k per transaction) 🤯 Yes, the number looks insane… BUT 👇 Where this actually shines ✨ 🔥 CC bill payments 🔥 Big-ticket spends where CC excluded 🔥 Tax/rent/insurance/wallet ➕ Additionally, RuPay Wellness benefits – Spa & Gym access – OTT subscription (Prime Video) – Health check-up Sharing for awareness, verify details. #ccgeek #ccgeeks @FinPaal @CardNiti @SavingsSimpl @pvnprb @vasugoy05153950 @Devendra__Gupta

🚨 PNB RuPay Select Imperial Debit Card - hidden value monster? 👀💳 💰 ~ ₹52,500 per year (17.5k per card) Calculation per card/year below: Shopping/Health & Lifestyle Vouchers 💰 🛒 Bigbasket: ₹250 × 4 = ₹1,000 🛒 Decathlon: ₹500 × 4 = ₹2,000 🛒 Myntra: ₹500 × 4 = ₹2,000 🛒 Reliance Digital (Offline): ₹500 × 4 = ₹2,000 💍 Kalyan Jewellers: ₹2,000 × 2 = ₹4,000 🎬 OTT (Annual – choose 1) • Amazon Prime OR JioHotstar (~₹1,499 value) 💆‍♀️ SPA / Salon • 1 session per half-year (2/year) ₹1,500 × 2 = ₹3,000 🧬 Medical Check-up • Once/year (SRL Diagnostics / Thyrocare) • Assumed value: ₹1,000 💊 Apollo Pharmacy • ₹250 × 4 = ₹1,000/year 📌 Excludes lounge access, gym, BookMyShow value in the above calculation 👀 📌 Based on current T&Cs DYOR Check 🧵or DM for more details.

@BachatXpert @aman6490 Now, they can remove fees from Addon card 😅

ICICI se naa ho paayega Keep cutting reward avenues.. Whats the use of super premium card if there is no good reward rate. @aman6490 😂😂