itsmesandy ☀️
913 posts


🚨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.

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@pnbindia @rpfomeerut and @officialepfo dear pension authorities n bank, my mom is alive n healthy but stillno pension from past 12 years due to lazy n corrupt officials of ur bank, her ppo nmbr is UP/MRT/23908, countless mails n visit , still devoid of what’s rightfully hers,
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Thank you @getscapia for gifting me an iPad for growing the tribe 🙌📱
And if you want in....you can too 👇
✅ Join the trip using this link: bit.ly/ScapiaCreditCa…
Enjoy ASMR Unboxing Video of iPad
🎁 Win crazy gifts just by growing the trip:
iPad • Apple Watch • Ray-Ban • FREE flights ✈️ • hotel stays 🏨
Step 1 (most important):
Get your Scapia card first....that’s how you start the process 💳
Let’s grow together 🚀
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@goibibo @GoibiboSupport i am un singapore n my phone is not working, k have to book two tickets fr same flight as the booking done by goibibo was not honored n thus i need cancellation with full refund n an apology due to harrasment n insult at airport
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@Tradewith_kd As per my understanding the hoam
Loan is disbursed to builder’s account n the property papers are kept with the bank. How come the amount of 30 lakh was given to the buyer????
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He wanted to buy a ₹1 crore flat but had only ₹50 lakh.
So, he took a ₹50 lakh home loan at 8.5% for 25 years.
His EMI was ₹40,000/month.
But his friend did it differently.
He also bought a ₹1 crore house — but paid ₹20 lakh down payment and took an ₹80 lakh loan at 8.5%.
His EMI was ₹64,000/month, but he invested ₹30 lakh in mutual funds at 12% return.
He set up an SWP (Systematic Withdrawal Plan) to withdraw ₹24,000/month — that money helped him pay part of his EMI.
After 25 years —
Both paid same EMIs.
But the first guy only had a house worth ₹1 crore…
While his friend had the same house plus ₹1 crore worth of mutual fund corpus!
Lesson🔥👇
“Smart money isn’t about working harder —
it’s about making your money work.”
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@milesmintIN Wat was ur effective buying price after using thr vouchers?
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Walked into Croma to buy an iPad.
Plan was simple 👇
Use Croma vouchers from iShop via EPM → 18% rewards 💳
Reality check 😐
❌ Max voucher denomination: ₹5,000
❌ Max 5 vouchers per bill
Total bill: ₹32,000
Quick check on HDFC SmartBuy 👀
💡 ₹10K voucher denominations available
That’s where Infinia shines ✨
Final optimisation ⚡️
• 2 × ₹10K vouchers via HDFC SmartBuy (Infinia)
• 2 × ₹5K + 1 × ₹2K via ICICI iShop (EPM)
Bill paid. Rewards maximised.
💡 Why Infinia is still the best:
✔️ Higher denominations
✔️ Better flexibility at scale
✔️ Zero friction for big-ticket spends
💡 Why keeping Infinia + EPM together makes sense:
➡️ When one hits limits, the other completes the job.
That’s not redundancy.
That’s optimisation.

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@vaibhavluthra @kishorefinance @TechnoFino I need to enroll for the explorer, any referral benefits?
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@kishorefinance @TechnoFino Smart move to not jump right in. Use my referral in case you plan to enroll 😂😂 (kidding 🙂)
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Stayed 5N in ibis,
All on points redeemed from Atlas,
Got +5N through corporate fastrack offer,
Silver tier unlocked till Dec 2026.
Thank you Accor,
Thank you Atlas,
Thank you #ccgeeks
Thank you all youtube video creators, X content creators, @TechnoFino community

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I m using Scapia n love its unlimited lounge access with airport privileges like free dining, shopping all with 0 joining fee.
, here's my link: apply.scapia.cards/landing_page?r…. You also get 1,000 coins if you join through this Also little treat you'll get ₹1,000 off your first flight.
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@pointperkspicks Hey! I've been using Scapia &its unlimited domestic lounge access airport privilegeslike free dining, shopping /spa &no joinin here's my link: apply.scapia.cards/landing_page?r…. You also get 1,000 coins
little treat from me - when u sign up this December, U get ₹1,000 off your flight.
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Hey! I've been using Scapia and love its unlimited domestic lounge access and new airport privileges like free dining,shopping or spa experiences every time I fly, from coffee to headphones—all with no joining fee.
Since u travel so much, here's my link: apply.scapia.cards/landing_page?r….
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@Pulkit_Korupt I need the same for 4 days, how did u went about it
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@pointspro For generic visa, travelling to Singapore for 6 days. Can we follow some online process or via agent is best?
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@bigulchugh @luxe_explorer @getscapia @ankitdewan @CardMavenIn @gurumilespoints @Kanna_Twister @PaisaPrinciple @PointsPro @prashantnhn @ProfessorCardz @suritalreja @SavingsSimpl But we need to spend 10000 then only the aurport privileges kicking
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@luxe_explorer @getscapia @ankitdewan @CardMavenIn @gurumilespoints @Kanna_Twister @PaisaPrinciple @PointsPro @prashantnhn @ProfessorCardz @suritalreja @SavingsSimpl Only use case of scapia is when you are about to travel to get benefit of 1000 free airport shopping that too beneficial only if you travelling multiple times...
Else it is a drawer card..
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Why I’m Seriously Considering Closing the Overrated Scapia Credit Card 💳🧐
Don’t get me wrong — @getscapia started strong.
Zero Forex ✅
Clean UI ✅
Airport perks ✅
But for a reward-focused user? It’s increasingly becoming… underwhelming.
And let me rewind to the very start 👇
🎥 Video KYC took me 5 attempts to complete — a frustrating, time-consuming onboarding for what’s meant to be a “digital-first” card. First impressions matter.
Now fast forward to today ⏩
Here’s why it’s losing relevance for me 👇
❌ Near Zero reward points on spends – good for FX, useless for points-building
❌ No transfer partners – no Accor, no Marriott, no airmiles
❌ No milestone-based value – spend more, get… the same
❌ Benefits mostly capped – savings plateau very quickly
❌ Referral hype > real long-term utility
❌ Scapia Coins are as worthless as Cred Coins
Meanwhile, cards like Axis ATLAS, HSBC Travel1, Amex Plat Travel are giving:
✅ Real points
✅ Real transfers
✅ Real luxury stays
✅ Real net-positive returns — becomes net LTF
Scapia is great for beginners.
But for optimizers & points chasers? It hits the ceiling fast.
🧠 Every card should either save you money or create points wealth.
Right now, Scapia does neither for me.
Execution ≠ Ecosystem.
And ecosystems always win.
💬 Thoughts from fellow CC geeks?
#CreditCards #Scapia #PointsGame #TravelHacks #ccgeek


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🔥 LIFETIME FREE Scapia Credit Card – Zero joining fee, zero annual fee, MAX rewards! ✈️💳✨
Why everyone’s switching RIGHT NOW:
✅ Unlimited DOMESTIC Lounge Access (yes, unlimited!)
✅ ZERO Forex Markup – Best for international trips 🌍
✅ 10% back as Scapia Coins on EVERY spend – redeem for flights, hotels, vouchers 🤑
*MEGA* *REFERRAL* *BONANZA* 🔥
• Refer just 5 friends & WIN ₹35,000 worth of FREE flight tickets! ✈️
• Get 1,000 Scapia Coins instantly when you join via my link
• *Extra* ₹1,000 *UPI* straight from me the moment your card is approved! 💰 (limited slots)*
Apply in under 2 mins & start stacking rewards today 👉 apply.scapia.cards/landing_page?r…
Tag a friend who needs this! Who’s grabbing it first? 🙋♂️
#ScapiaCard #ccgeek

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