Pallav Jha

Just launched on Product hunt . Do let me know how it is and give it a try. Open for feedback. Unified contributions portal: Prove your private GitHub work and contributions producthunt.com/products/unifi… via @producthunt

Top: my public GitHub profile Bottom: my actual contribution history The difference? UCP merges every account into one verified record. No code exposed. No repo names. Just dates and counts. Do give it a try, looking for feedback. unifiedcontributions.vercel.app #github

@spendwiselyx Previously atlas was a no brainer card for almost anything.

@the_visutor 4-5% on offline by Atlas is well above average. Its higher than even super premium cards like Infinia, EPM , DCBM and even HSBC Premier which comes against 50 lacs TRV.

Is Atlas Credit Card a dead card without Accor 🤔? Let’s find out 👇 After Accor exit, there are still programs like Air India’s Maharaja Club ✈️ and ITC Hotels 🏨, which are very easy to understand. Air India, after recent reduction in points requirement for large number of domestic economy routes, is still very suitable for most users and can easily fetch 1 Airmile = ₹1 value 👍 ITC Hotels’ ITC Green gives a flat 1 Point = ₹1 value across properties, with a strong network in India 🇮🇳, although mostly in premium & luxury category None of the above can match Accor in terms of value ❌ But instead of considering ₹2 per point (Accor), we can still comfortably take ₹1 per point for ITC & Air India 👍 ⸻ 💡 Transfer Advantage (Still Strong) Most importantly, both these programs are part of Group B 👉 You can transfer 1,20,000 Edge Miles/year 👉 = 2,40,000 ITC Points / Air India Miles (~₹2.4 Lakhs value) 🔥 Still a very strong redemption potential 👌 ⸻ 💳 Base Rewards 👉 Atlas gives 2 Edge Miles per ₹100 spend 👉 = 4 partner points 👉 = ~4% valueback across most spends (except exclusions like fuel, govt, wallet, utilities, jewellery etc.) ⸻ 📊 Valueback Maths including Milestone Bonuses 🔹 ₹3 Lakhs Annual Spend 👉 2,500 Edge Miles = 5,000 points = ₹5,000 ✔️ 1.67% milestone valueback ✔️ 4% base valueback ❌ ₹5,900 fee (~1.97%, 5900 fee for Rs.3 Lacs spend) 👉 Net: ~3.7% valueback 🏨✈️ On Direct Payments to hotels, airlines & Axis Travel Edge spends: 👉 3.7% + 6% = 9.7% ✅ ⸻ 🔹 ₹7.5 Lakhs Annual Spend 👉 7,500 milestone Edge Miles (2500 at 3 Lacs, 2500 at 7.5 lacs and 2500 against fee payment) = 15,000 points = ₹15,000 ✔️ 2% milestone valueback ✔️ 4% base valueback ❌ Fee impact ~0.79% (~1.97%, 5900 fee for Rs.7.5 Lacs spend) 👉 Net: ~5.21% valueback 👌 🏨✈️ On Direct Payments to hotels, airlines & Axis Travel Edge spends: 👉5.21% + 6% = 11.21% 🔥 ⸻ 🔹 ₹15 Lakhs Annual Spend 👉 15,000 milestone Edge Miles = 30,000 points = ₹30,000 ✔️ 2% milestone valueback ✔️ 4% base valueback ❌ Fee impact ~0.39% (5900 fee for Rs.15 Lacs spend) 👉 Net: ~5.61% valueback 🚀 🏨✈️ On Direct Payments to hotels, airlines & Axis Travel Edge spends: 👉 5.61% + 6% = 11.61% 🥳 ⸻ 🌟 Other Positives ✅ One of the very few non-premium cards giving international & domestic lounge guest access for Guests ✅ Still gives full valueback on school/college fees via apps like EduSprint 📚 ⸻ ⚠️ But Reality Check To be realistic, the above is only true till Axis reduces the transfer ratios across partners 👉 And I believe this is on the way, and will come with one month notice ⸻ 🧠 Final Thought 👉 Not dead ❌, still gives a great valueback for Rs.7.5 lacs spenders 👉 But not as powerful as earlier ⚠️⚠️⚠️ Very high risk of devaluation to kill the card fully ⸻ What do you think about Atlas now? 👉 Are you continuing using Atlas for now? 👉 Or moving to some other cards? If moving, which cards are you shifting to? Drop in comments 👇 ⸻ 📘 Visit SpendWisely Blog: Detailed credit card reviews & guides 👉 spendwisely.in Some links may be referral links in the above post. It supports the page without any cost to you. #creditcard #spendwisely #creditcards

@spendwiselyx Hmm but hsbc travelone with accor is at the same level. If someone is all in to make returns with just accor, travel one would suffice.

Try it now. Takes 30 seconds. unifiedcontributions.vercel.app (Still in beta, feedback is highly appreciated)

Privacy is not an afterthought: - PATs are never stored - Only dates and counts are fetched - No repo names, no commit messages - No code is ever accessed

I built something to fix the invisible work problem. Introducing UCP — Unified Contribution Portal.

Try it now. Takes 30 seconds. unifiedcontributions.vercel.app (Still in beta, feedback is highly appreciated)

Privacy is not an afterthought: - PATs are never stored - Only dates and counts are fetched - No repo names, no commit messages - No code is ever accessed

I built something to fix the invisible work problem. Introducing UCP — Unified Contribution Portal.

Enterprise developers, freelancers, NDA workers — everyone has the same problem. Your best work is invisible. And it's costing you opportunities. Working on something to bridge this gap. Beta out soon.

My GitHub profile is lying about me. 2 years at a company. 2,000+ commits. All behind a private org. My public green wall looks like I stopped coding in 2022. If you work in private repos, your profile is lying about you too.

Building something to fix this. More soon.

@StealthWealth_ @contliving @tejasghongadi Call the bank and ask them to change the date of the statement generation.

@contliving @tejasghongadi Pls share How this can be done? Thanks

Thing I feared about keeping too many credit cards finally did happen 🤦 Wife's Amex MRCC renewal fee got hit & the due date got missed by 2 Days (Beyond the RBI Grace period). Simplifying your CC holding & usage is underrated. #ccgeeks