NIRAJ SHAH

@SartanparaYash Yes I did it last year. Bought a refrigerator

@nirajshah1992 Amazing info bro. Did you try this?

Good info. One can also consider purchasing from Vijay Sales. They are good with negotiations, they matched Amazon Price for my friend and also gave no cost emi option which was not there on any e-commerce website. Now the fun part is this new EMI cashback, whatever interest gets charged by the bank will be given as cashback after 3 EMI installments so it's a win for consumer. Now the breakdown - Price : 94500 NCEMI + card discount : -4725 NCEMI Interest : +2405 NCEMI cashback : -2406 Final cose : 89775 + emi conversion charges like 199+gst so ~90k. While any online NCEMI would have cost you the ~92180 including interest.

@jimeetjim Gift cards generally they allow to use it is INR 10K

@nirajshah1992 If we use gift card, still they provide card discount? And didn't understand this part, where you said gift card + emi option. If one is already paying using Gift card how does the question of emi arise? Confused.

@ProfessorCardz @credofly @cards_wizard Generally 5x is not applicable on hdfc rewards platform

How about we split the same. Since we can only pay 70% at the max I’ll pay 50% for both the items by points. Rest ill get back 16.66% from the hotel booking as well. So effective cost will be 66% for the flight. Not sure if we get 5x on the phone booking though. Also may be a cheaper iPhone would help the budget.

🚏Hypothetical situation. You have Infinia credit card. You have 1 lakh points in it. Now you have to buy an iPhone worth Rs 1 lakh and also have to do an international flight booking of worth Rs 1 lakh. What will you do? Tagging @tejasghongadi @ccg33k @cards_wizard @VIPtrolling @PointsPro

@SECTOR_RES0123 Bjp

Who will win in west Bengal? 🚨TMC 🚨BJP

@skullkerd @ProfessorCardz Purchase through smartbuy and for people having infinia credit cards. Alternative purchase Amazon fresh vouchers through cred having dreamplug as merchant and using Sbi credit card. May get less but real money as CB

🔥Amazon now offers 14% (₹200) Cashback on spending ₹1400 every time. 🔁Purchase using Amazon Pay and get 5% Cashback to12% RP ♥️Thats 19-24% returns without any mental maths 🧮 #ccgeeks #creditcards #amazonnow

@MunaPriyabdk @iSatishAgarwal @guddieuro How to get sir?

@iSatishAgarwal @guddieuro @iSatishAgarwal sir finally received

💳Seems HDFC Swiggy Credit Card applications LIVE again🔥 ✔️Just checked it on HDFC website ✔️Also verified on Swiggy app ⁉️Check Swiggy app to see if it's LTF for you 👑One of the best Cards, if issued LTF Thanks a lot to @guddieuro for noticing 👏 Like ❤️ n Repost ♻️ if useful #CreditCard #CCgeek #HDFC #Swiggy

@ProfessorCardz Petrol

🚨Petrol Full Tank worth ₹3382 Done. ₹2900 Using RP and Rest from Fastag. How? (11600 RP received from payment of credit card bills payments) 🔥Nothing much.🙏Sometimes knowing what to do and how to do makes you happy like a kid. #ccgeeks #creditcards #Petrol ♥️Follow, Like, Repost and comment "Petrol" if you want to know how I paid 0 for this Full Tank. 🔖I generally need 2 full tanks in a month. Even one months fuel catered by Reward points is magic and saves me ₹8000 per year. If you are a follower I'll dm you how you can achieve it next time as well. Planning and some patience is the key to a great redemption.

@ProfessorCardz Recharge

🚨Just Recharged the ₹3599 Jio 365 Days annual plan with 2.5GB data per day for free. (14396 RP received from payment of credit card bills) 🔥Nothing much.🙏Sometimes the smoothest redemption are soul food #ccgeeks #creditcards #jiorecharge ♥️Like and Repost and comment "Recharge" if you want to know how I paid 0 for this annual plan. I don't pay for my recharges anymore. If you are a follower I'll dm you how you can achieve it next time as well.

@jassneetsingha Download jiosphere and use youtube adfree 😜

Recurring costs don’t hurt once. They hurt every single month. In 2026, one of my goals is to: 👉 Rethink every recurring expense 👉 Cut what’s unnecessary 👉 Optimize what I truly value So I downgraded my Jio Fiber plan from ₹1,800 to ₹1,100. Netflix went away, fine by me, since I wanted multi-screen anyway (3 TVs at home), so I planned to subscribe separately. But losing YouTube Premium? That hurt. 😅 Once you get used to ad-free YouTube, there’s no going back. I checked the pricing: ₹149 × 12 = ~₹1,788 per year. Thanks to @bigulchugh, and his suggestion, I got: 👉 Flipkart Black membership – ₹999/year 👉 Includes 1 year YouTube Premium It gets better: I bought the Flipkart voucher through the iShop portal and got 18% back in reward points. If you have time, small tweaks to recurring expenses compound massively. If you know any better YouTube Premium hacks, drop them below 👇

@ProfessorCardz I have still not got the access

🚨PUBLIC SERVICE ADVISORY : Professor Cardz Members Only Videos have been made public to 391 #ccgeeks who were interested in them. 👉In recent times some fraud MANBOYS masking themselves as credit card specialists tried to malign #ProfessorCardz by blatant lying when they themselves were part of a group which shared so called frauds (borderline criminal) disguised as hacks and took Nearly Rs 3000 per month to share those hacks. 🕊️We will publish the reaction of these 391 enthusiasts after they watched our video. Try to get their feedback as well so that idiots can now shut up. #ProfessorCardz is a well known brand which provides you one of the most accessible platform for Rs 199. 🦋You get credit card knowledge videos 🦋Exclusive and Filtered group of Individuals who share similar sentiments about credit cards. 🦋15 mins of 1:1 exclusive chat session with The Professor. 🔥Even when you discontinue the membership you be a part of the Announcement Channel and Have my contact number for any emergencies related to cards. Cheap comments are free. Valuable suggestions are worth Gold. Repost and Like #creditcards

@pointperkspicks Are you sure that Mcc of dreamplug will work for AEP on Magnus Burgandy?

Buying GOLD at a discounted Price Step-by-step approach to get the max discount Step 1: Collect a coupon for Rs. 1750 on Rs. 20000+ on Amazon - amzn.to/49NDWSl Step 2: Buy Amazon vouchers with your credit cards (pay and shopping works - shopping doesn't show cashback at checkout though) AXIS - Buy Amazon Shopping Voucher with cred (1.4% off). Magnus Burgundy AEP gives up to 28% value back ICICI - Buy Amazon Shopping Voucher from iSHOP - EPM gives 14% value back HDFC Infinia - Buy vouchers on SmartBuy Amex Plat Travel - Buy vouchers on Amex Gyftr for 3X All Cashback Cards - Buy vouchers from Amazon or CRED (DREAMPLUG MCC)Buy Gold (Sadly, 1.5 Gm gold coins are removed from this offer) Links that work PNG (1Gm) - Buy 2 - Lowest - amzn.to/4jNk1XZ MMTC (2Gm) - amzn.to/4qV5Wu0 Muthoot (2Gm) - amzn.to/49Kggy3 All items in offers - amzn.to/4qDjGtF Ask any questions you might have :)

Kindly help @UnitedIndiaInsu @MoHFW_INDIA @irdaindia @FinMinIndia @COmbudsmen @jagograhakjago @TOIIndiaNews @SakalMediaNews

My mother policy is currently running in grace period and her age is 57 years. Thus the renewal would need to take place urgently.

Denial of Insurance Policy Premium by United India Insurance Company Limited while converting from Family Floater to Individual Health Policy