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Peng
897 posts
Peng
@pengzillaa
all earn & no burn makes peng a dull boy
Katılım Ağustos 2024
118 Takip Edilen164 Takipçiler
@MilesMogul naaah i won’t be able to live with myself. core trauma right here
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Story time folks: A lot to learn for all ardent married ccgeeks from my experience.
Wife said I have become too spoilt. Said Business/First & Suite everywhere is not required. We are simple people. We can live simply too. She wanted to prove a point.
Said we don't need to pay via card everywhere. Once in a while cash payments are fine too.
Said miles are good but can't base all travel plans ONLY on miles.
Went ahead and booked a 4N5D stay at JW Goa. (Consciously booked 4 nights in an attempt for it to pinch me even more since 5th night would be free if we paid via points instead.)
Booked via MakeMyTrip. Booked via UPI.
Went ahead and booked Air India Express, emergency rows, via revenue, via UPI, via MMT again.
I realised that these few days, I need to be Smiles Mogul, not Miles Mogul; for the sake of my own happiness.
Air India Express (very good experience btw) was a horrible experience for US...but I had to be Smiles Mogul, remember? Queued up to drop off check-in bags. Then walked through regular security queues. (not too long)
We had emergency rows, meaning queue up before boarding, wait till folks ahead load their bags, settle in, then walk back to the middle of the airplane. We had centre and aisle. She got the aisle. EVERY person walking by banged their leg, bag, handbag, backpack, duffle bag into her shoulder.
Meal was served (very good meal btw) was a horrible experience for US. We opened the wrap served and respectfully decided to let it go as it was not a meal type of our preference and with no variety that we are usually used to.
Now it gets more interesting. We check-in to the hotel. No status, no VIP, no direct booking, no STARS or Luminous Program. We get the room we had booked. The base room. First thing I am asked to do by my dear wife is check if there's an upgrade available :) (paid one)
I called the front desk, requested them to link the booking to my Titanium Account. They said, we would love to upgrade you, but we have no availability. Had we known you were coming earlier, we would have blocked a suite for you in advance, as we usually do. On the days we try to ensure all unbooked suites are occupied to ensure returning members are getting the best of what's available.
We were packed in a 35 sq mt room for 4N5D :)
Towards the end of the trip, I felt a sense of heightened gratefulness being directed towards me for ALL the other travels we have been in on domestically and internationally in the recent past :)
And we are excited for the upcoming 6 holidays, from which 3 are Ritz Carlton Reserves this year, travelling the way Miles Mogul does best :)
Maybe not being simple is not a bad thing.
Who is the real winner in this story? I will let you decide :)
Miles Mogul@MilesMogul
Oh no. Big no no. Admittedly very spoilt now, but not ashamedly. I simply cannot do Eco anymore. Will make a post on this soon. My wife felt I can't be acting this way. She booked a 4N5D holiday, complete revenue for hotels and flights. She said I should be grounded. WE hated the experience :P She even paid every bill by cash, in front of me, to try to jolt me out of this strong mindset universe. It was horrible.
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Oh no. Big no no. Admittedly very spoilt now, but not ashamedly. I simply cannot do Eco anymore. Will make a post on this soon. My wife felt I can't be acting this way. She booked a 4N5D holiday, complete revenue for hotels and flights. She said I should be grounded. WE hated the experience :P
She even paid every bill by cash, in front of me, to try to jolt me out of this strong mindset universe. It was horrible.
Vineeth K@DealsDhamaka
I am free from this addiction, I may look for points based business class booking as possible - if not, happy to take an economy class. Esp for domestic or less than 5 hours travel, will prefer economy so that my limited points can give more trips in the future (esp family of 3) 👍
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I have a confession to make:
I am addicted to booking flights and hotels. The high I get after securing preferred flights, seats and itinerary as per my requirement is unbelievable.
I have a friend's wedding to attend in February 2027 in Delhi.
She hasn't designed the invite, or shared any more information yet but I am already blocking my AI Biz tickets to and fro since I just learnt of the dates.
For context, the groom himself has not booked his tickets to Delhi for his wedding dates.
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I swear this is such a great advise. Learn to know what to buy and what not to buy online.
I recently furnished my house, there was a huge bill but I was only able to use cards on less than 10% of the total expenses.
But heres the interesting part, had I wanted to use card adamantly I could have but the cost price analysis showed atleast 30-40% price variance on products bought online vs the one which local resellers were selling it for.
There are many such products which are exponentially expensive on online market place so even if you score 10% miles, you may well be paying more.
Miles2Go@CCMiles2Go
Everyone loves the headline number. Very few calculate the actual cost. 👀 Current trend: “Buy product → get massive Supercoins → convert to Air India miles” Sounds insane on paper. But here’s the part nobody wants to discuss: You are often buying a product priced at ~2.5x–3x its real market value just to manufacture miles. Example math: ₹10k-ish real value product listed around ₹20-25k. Let’s say you purchase 2-3 of the same items. → You get ~67k Supercoins for say products worth 25k (remember which you weren’t even planning to buy) → After doing all the mental maths and on a specific date you convert them to get ~65k Air India points So what actually happened? You didn’t “earn free miles”. You effectively BOUGHT ~65k Air India points by overpaying ₹40-45k on a product you probably never intended to buy at that price in the first place. That’s roughly ~0.7-0.8₹ per AI mile. Now ask yourself: Would you directly buy Air India points at that valuation? Probably not. Why ? Because for economy class, considering opportunity cost lost with all the miles you earn back on cards and with airlines on revenue booking, this 0.7-0.8 valuation seems a lot inflated. And with business class or even PE, maharaja isn’t a great value program anyways. Yes, there ARE scenarios where this can work: • If you genuinely needed that exact product • If the product resale value remains strong • If you value AI miles extremely highly post revaluation But portraying this as “free products” or “crazy loophole” is misleading. The real win in points & miles has always been: ✔️ Organic spends ✔️ Transfer bonuses ✔️ Smart redemptions ✔️ Arbitrage NOT forced spending disguised as rewards. Sometimes the cheapest miles are the ones you never bought emotionally #ccgeeks
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@CCMiles2Go so much mental math for so little
simple rule- don’t spend on things you don’t need just because of offers and great “return”
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Thankfully, people generally don’t have immediate 65k worth of expenses needed with any of the options available to cash out
1. Bigbasket - The cost of products is generally 10-15% higher than the competition apps like swiggy and zepto + lesser serviceable areas. So that cancels the discount part.
2. Ajio / Myntra - With gold gone, most people don’t have any plans to purchase 65k worth of cloths (again not even considering that somewhere they might be available even cheaper than 65k)
3. Uber - Generally people don’t have 65k worth of uber rides lined up for even an year let alone next few months
4. FK- It might come , it might not. You have already paid the upfront cost. There have been multiple instances where the offer hasn’t come for more than a month. I’d rather pay the cost when I have to actually buy the product and points would be earned anyways
Not always paying upfront for useless things is a good idea. Most of the people spend their money on the things they want to purchase
Yash Sartanpara@SartanparaYash
If you don't have air India as a travel plan You can get Bigbasket/fk/myntra/ajio etc GVs with the same value and its like 20-30% discount as per the thread below. And the following thread Misses the point where you are buying this product with flipkart gvs where cards like magnus Burgundy or smartbuy or ishop cards outshines everything by earning 10-14% extra rewards. So you get a product. You bought big basket/myntra/ajio/fk etc gvs at 20-30% discount. Earned 10-14% miles. The air india is not the only option. The choice is yours.
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Here's how it went:
Sold my 72 grams for 15,742 to MMTC and another 30 grams to Kalyan for around 15,500.
Locked 100 grams via a bullion friend at 15,200. 🫡
A little effort, a little arbitrage...
FinPaal@FinPaal
A rare arbitrage game is going on in the Indian bullion market 👀 • Local cash rates are as low as ₹15,200–15,300/g • Big brands like MMTC-PAMP have buyback rates around ₹15,750/g So, someone holding MMTC coins can easily make around ₹500 per gram with some reasonable swapping effort. This also tells us that, if you need to buy gold now, buying from local markets makes more sense. Follow us to catch good deal, whenever they arrive.. whatsapp.com/channel/0029Vb…
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wow, pausing existing SIP's is unusual. Not a good move @AxisMutualFund, you should plan better!
Neil Borate@ActusDei
Axis MF stops ALL flows into its global funds. Also pauses EXISTING SIPs. The list of feeder funds grows smaller - now only Edelweiss (till 5k per day), Franklin and one odd thematic aqua fund from Baroda BNP. The solution if you want global exposure? Direct US ETFs via LRS
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@pengzillaa @Sooraj225536 looks like a pool Air India distributes miles from..
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Thanks to the Air India 50% bonus and the fact that it’s the only miles partner for ICICI Bank cards, I’m going all in and moving my entire points balance to Air India. That should mint roughly 1.1 lakh bonus miles.
Or, if you think like some #ccgeeks, that’s about 9 one-way Thailand tickets just from the additional bonus 🤓
Last month, my default spend card was HDFC Infinia, largely because of the Visa x FIFA offer. This month, I’m switching gears to EPM. Here’s the game plan.
Current EPM balance is 1,97,468, which already puts me in the 50% bonus tier. The idea is simple. Route all high-return GV spends, which are around 18%, along with regular base spends to EPM and push the balance closer to 2.2 lakh. I’ll transfer everything towards the end of the month to squeeze out the maximum bonus, which should land me around 1.1 lakh bonus miles. (Usually I swipe HSBC Premier for the base spends)
The bonus effectively bumps Gift card returns from 18% to 27%, and base rewards from 3% to 4.5% for the EPM holders, and for the Times Black holders, the reward rate converts to EPM at 50% bonus tier. (2% → 3%, 12% → 18%)
That’s the plan on paper. Let’s see how it actually plays out towards the end of the month 😄
There’s also a conundrum in the first comment 👇
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all earn and all burn makes MM a lively boy
Miles Mogul@MilesMogul
Been absolutely bombarded with just the one question: How to earn so many miles? My answer is so simple, one may not appreciate it; but it is genuinely the only way: Earn more money -> spend more money -> earn more miles -> spend more miles.
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@ccg33k @MilesMogul such disclaimers with akash have become a habit now 😂😂
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@MilesMogul Congrats man.
Its cute how you thoughts me posting about it will add to competition, like everyone is sitting with 3M bonvoy points.
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People redeem Bonvoy points for free nights.
I just redeemed 3,002,500 Marriott Bonvoy points for the FIFA World Cup Final in NYC!
Won the auction by 2,500 points over a revealed 3M point bidder.
Possibly one of the biggest Bonvoy Moments wins of the modern Bonvoy era.👑🧿
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Heard of some exciting changes coming up in the cc landscape. will post more about it soon when news is confirmed. anyone wants to guess what it might be?
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