Sabitlenmiş Tweet
🧵 Types of Credit Cards – Understanding the basics
Credit Cards are often spoken about as a single product.
In reality, they are designed differently for different use cases.
Let’s understand the types 👇
English
Kishor Naik
284 posts
Kishor Naik
@thatfinanceguy
That Finance Guy 💸 CA who breaks down money like a friend, not a textbook. Credit cards · investing · tax · insurance ✌🏻
Katılım Temmuz 2023
81 Takip Edilen84 Takipçiler
Kishor Naik retweetledi
Dear @anandmahindra Ji,
At a time when even our Hon’ble PM is encouraging domestic tourism, I genuinely feel Mahindra Holidays is sitting on a massive long term opportunity.
India today has a rapidly growing affluent and aspirational middle class with increasing preference for experiential family travel, yet Club Mahindra still has only around 3 lakh member families in India. The headroom for growth appears enormous.
India’s hospitality cycle is strong, Club Mahindra enjoys immense brand trust and healthy occupancy, yet the true value of the India business seems overshadowed by the continuing drag from the overseas Holiday Club business.
Perhaps the time has come for a strategic review - ring-fence, restructure, demerge or reduce exposure to the European subsidiary so that the India business can be valued independently on its own merit.
Additionally, sharper focus on capital light expansion, younger branding, digital engagement and modern hospitality thinking could unlock substantial shareholder value in the years ahead.
Written with utmost respect and admiration for the Mahindra Group and your visionary leadership. ....
A concerned long term shareholder.
English
Completely agree with @b50.
Mid-caps are where the real wealth creation happens in India. Large caps give you safety, small caps give you stories. But mid-caps? They give you compounding.
I see this in company financials all the time that mid-cap companies growing revenue at 25-30%. Most investors skip them.
Nifty Next 50 is basically a mid-cap index dressed in a large-cap suit. These are tomorrow's Nifty 50 companies at today's prices.
If you're not allocating to mid-caps specifically Nifty Next 50, you're leaving serious money on the table.
Anupam Gupta@b50
The single most under-rated category in India is the mid-cap. I remember talking with @deepakshenoy on how the Nifty Next 50 (or JuniorBees) is actually a rock solid index to own. So..
English
Kishor Naik retweetledi
With chrome extension with just 2 simple prompts it not only found out the grocery shopping data but built a website as well!
Built a quick PERSONAL Amazon Grocery dashboard with REAL data in just few minutes 😍
OpenAI@OpenAI
Codex now works directly in Chrome on macOS and Windows. It’s even better at working with apps and sites in Chrome, and now works in parallel across tabs in the background without taking over your browser. To get started, install the Chrome plugin in the Codex app.
English
@thetrickytrade @suritalreja Perfect post for aspirational redemptions. Makes you want to start stacking points immediately 🔥
English
@dharmeshba This is the core problem. Insurance needs trust. UPI built convenience, not trust. You can't sell a ₹1 crore term plan the way you sell a ₹200 recharge.
English
I open my UPI app approximately ten times a day.
I have not bought insurance through it.
Nobody in the industry can explain this, so they blame the creative. Better targeting, they say. Better placement. A/B test the CTA. The click-through rate will improve.
They are solving the wrong problem.
For many a UPI app does not live in their head as a financial services platform. It lives there as a verb. They usually don't say "I'll use PhonePe." They will say "I'll scan and pay." Many people I've interviewed don't even say that - they just hold up their phone. The app has become so indispensable for one thing that it has essentially disappeared. It is infrastructure now.
This is the great delusion of platform thinking: that if you achieve daily habit, cross-sell becomes easy. That share of attention translates to share of wallet. That being trusted for the small thing means being trusted for the large thing. It doesn't.
Trust is rebuilt from scratch in every new category, every single time.
When I open PhonePe to split a dinner bill, my brain is in a completely different mode than when I am contemplating what happens to my family if I die. One requires two seconds of attention and zero vulnerability. The other requires me to confront my own mortality, assess the credibility of an institution with my family's future, and hand over money I will never personally see returned.
The psychological distance between those two acts is not bridged by a banner ad.
The banks and platforms that will win in insurance and wealth are not the ones with the most daily active users. They are the ones willing to do the slow, unglamorous work of earning trust in a new category - which means starting again, with different conversations, different proof points, different emotional register entirely.
Being everywhere is not the same as being trusted.
English
Straight out of dreams. Shot on Oppo X9 Pro 😍
1x vs 3x vs 6x
English
Here's an UPDATED comparison of the 4 most popular travel cards 🧵👇
What changed?
• Atlas (No Accor) & Amex Plat devaluation
• HSBC TravelOne got much better
• Regalia quietly became a strong Accor play
(Note: Regalia Gold calculations in this comparison are based on the NEW earnings structure effective from 15th May)
So this is the ONLY breakdown you need now👇
We have simplified everything into 4 visuals:
1️⃣Key Features
2️⃣Rewards Structure
3️⃣Transfer Partners
4️⃣Exclusions + Hacks
No fluff. Only what actually matters.
👉Axis Atlas
Still the best for everyday spends (But no longer sourced 👀)
👉HSBC TravelOne
Best for international flights & hotels + Decent for domestic (price matching helps)✈️
👉HDFC Regalia Gold
Great if you use vouchers right + accor card
👉Amex Platinum Travel
Only works if you hit ₹7L (very important)
If this helped you, you can support us by applying through below links:
TravelOne:
accountopening.hsbc.co.in/credit-cards/#…
Regalia Gold:
#nbb" target="_blank" rel="nofollow noopener">applyonline.hdfcbank.com/cards/credit-c…
❤️Like | 🔖Bookmark | 🔁Reshare
Follow @PaisaPrinciple for credit card and personal finance content.
Amish@PaisaPrinciple
This is the ultimate comparison of 4 travel focused credit cards: 1️⃣ Axis Atlas 2️⃣ HSBC TravelOne 3️⃣ HDFC Regalia Gold 4️⃣ Amex Plat Travel Swipe through visuals to see: 📌 Key Features 📌 Exclusions 📌 Lounge Access #CCGeek #CreditCards #CCGeeks #TravelOnPoints
English
Life insurance was sold as a tax-saving product for decades.
Health insurance too. 80C, 80D — the whole pitch was "buy insurance, save tax."
Then new tax regime came. ALL exemptions gone.
And now?
→ Insurance industry can't sell without the tax angle
→ People stopped buying because the "incentive" disappeared
→ Savings rates are falling
Look, I agree insurance was NEVER meant to be a tax product.
But let's be real. The government created this behavior for 30+ years. You trained an entire country to link insurance with tax saving.
You can't remove the training wheels overnight and expect people to keep cycling.
New regime was meant to be simple. Fair enough.
But simplicity came at a cost:
→ Lower insurance penetration
→ Households saving less
→ An entire industry in identity crisis
My take: bring back basic deductions for term plans and health insurance under new regime.
Not as a tax hack. As a nudge toward the right financial behavior.
Aditya Shah@AdityaD_Shah
Completely incorrect argument, For many, many years, The entire life insurance industry has sold life insurance products as tax-saving products, In March, In a rush to complete targets, People made crazy sales on life insurance, Now, The government has completely done away with tax deductions on life insurance. The entire life insurance industry is struggling to sell! The primary purpose of life insurance is not to save tax, Life Insurance is a product to mitigate the life risk of the earning members, Tax incentives were just an added tool, Life insurance is also an investment tool, It is a tool to hedge life risks of the earning members, At Hercules Insurance, We sell only term plans and no other products. We have seen nearly 100% growth in the number of term plans we gave to customers. A plain vanilla term plan until retirement is the only life insurance product u need. Rest all prodcuts only make the agents and the life insurance company rich Selling and buying the right life insurance is the key to covering the risks correctly!
English
Uber One just saved me ₹1,334 in 4 months.
The best part? I didn't even pay for it separately.
Times Prime membership includes Uber One free for 12 months. Discovered this thanks to @CardNiti.
4 months in and the Uber One savings alone have already recovered my entire Times Prime subscription cost.
This is what smart personal finance looks like not cutting chai, but finding value hidden inside subscriptions you already have.
Go check what your Times Prime memberships actually include. You'll be surprised.
Shoutout to @CardNiti for consistently bringing such valuable finds 🙌
English
🇮🇳 Indians are so desperate to buy US tech that there are ZERO sellers on MON100 today. ETF is trading at 20% premium People are paying ₹316 for something worth 264. That's desperation tax. 💸
Go direct. Buy the actual US ETF. Join our webinar to learn how. Comment global.
English
MON100 is trading at 20% premium. Here's why.
SEBI capped India's overseas investment limit at $7 billion. Once we hit it, international ETFs were told to stop accepting fresh subscriptions.
No new units can be created. Supply is frozen. 🚫
But demand? Still rising. Everyone wants US tech exposure. 📈
Frozen supply + rising demand = market price stays above NAV indefinitely.
Normal ETF arbitrage (AMC creates new units when premium appears) is completely broken. The fund literally cannot issue new units.
So that 20% premium? It's not irrational. It's structural.
The real question: what happens when SEBI reopens subscriptions? 🤔
That premium corrects overnight. And everyone who bought at ₹120 for ₹100 worth of stocks learns an expensive lesson. ⚠️
Neil Borate@ActusDei
🇮🇳 Indians are so desperate to buy US tech that there are ZERO sellers on MON100 today. ETF is trading at 20% premium People are paying ₹316 for something worth 264. That's desperation tax. 💸 Go direct. Buy the actual US ETF. Join our webinar to learn how. Comment global.
English
Your TPA will try to reject your claim.
Here's what to do when it happens:
→ File on Bima Bharosa portal by IRDAI (bimabharosa.irdai.gov.in), 14 day response guaranteed
→ Written complaint to insurance ombudsman
The system has escalation paths. Most people just don't know them.
Save this. Share it with someone who might need it someday.
Rajendra B. Aklekar@rajtoday
Wife had been admitted for a small surgery and there has been a very negligent response from the team of Health Insurance TPA of India Ltd who have rejected a claim, which as not even in lakhs, by simply sending a denial letter without any clarification for a policy that has been there for nearly a decade now. There has been no response whatsoever and no questions asked. This has been my first experience of dealing with a TPA and found this one a very unprofessional organisation.
English
@rajtoday This is why step 1 before buying any policy = check TPA responsiveness.
Quick fix: file on IGMS (IRDAI portal). They HAVE to respond in 15 days once IRDAI is watching. Most claims get cleared right there 🙏
English
Wife had been admitted for a small surgery and there has been a very negligent response from the team of Health Insurance TPA of India Ltd who have rejected a claim, which as not even in lakhs, by simply sending a denial letter without any clarification for a policy that has been there for nearly a decade now. There has been no response whatsoever and no questions asked. This has been my first experience of dealing with a TPA and found this one a very unprofessional organisation.
English
Save this thread. Share it with someone buying health insurance for the first time. 🙏
Follow @thatfinanceguy for more personal finance breakdowns. 💼
English
10/ Base policy + super top-up = smart structure 🧠
Don't buy a ₹1Cr policy straight up — it's expensive.
Instead: ₹10L base + ₹90L super top-up.
Cost? Often 40-50% less than a standalone ₹1Cr policy.
Same coverage. Smarter structure.
English
I've reviewed 50+ health insurance policies.
Most people buy the wrong one. Or buy it too late.
Here's my exact 10-point checklist before anyone signs a health insurance policy: 🧵
English