Vishal Gupta

Do you remember when you joined X? I do! #MyXAnniversary

It seems that @frido_official is focusing more on marketing than on ensuring product quality. I recently ordered their posture corrector and was quite disappointed, the quality is subpar, and even the stitching was visibly poor right out of the box. Really hope @ganeshsonawane takes this feedback constructively and works towards improving the product quality. Also requesting the @frido_official team to kindly initiate a return for this product.

@CardMavenIn Stacking 0% markup with zero transaction friction is the ultimate alpha for international spends—it’s basically like getting paid to vacation.

Big shoutout to HSBC T1! 💳 Just wrapped up over 2L in forex spends and the experience was flawless. No blocked transactions, no annoying verification calls - just a pure, smooth vacation. Highly recommended for international travel if they have zero forex offer. ⭐️

@ccg33k @TajHotels Awesome, My unused Taj voucher got its purpose

🆕 @TajHotels arrives in Braj Bhoomi - the land of temples and birthplace of Krishna - with Vivanta Vrindavan! > Multiple dining options (incl. an all-vegetarian restaurant, café & poolside venues) > Open-to-sky infinity pool, spa & modern fitness centre > Rates starting at 7.2K-8K/night, perfect for those Taj Vouchers. > Accor has also signed a 150-key Novotel (opening ~2029) PS: Mathura/Vrindavan are close to my heart - spent a big part of my childhood there as my grandfather lived there. Great to see branded hotels coming up 🙌

@divyaporwal_ send an email to hdfc bank for registering to DND, if even after 1 month, calls don't stop, you have the option to register an RBI complaint and be entitled for compensation.

Dear Hdfc Bank, mujhe credit card nahi chaiye ye mujhe din me 10 bar kyu batana padta h wo bhi daily, pls use some good log systems and stop troubling your customers 🙏🙏

@manoj_216 @bigbasket_com @TataCompanies the biggest problem is the bot replies, there is no way to connect with a human agent who can actually understand the problem. Same happened with me on Tata 1mg, same bot replies, no where to get help from human agent.

Never imagined that @bigbasket_com from the esteemed @TataCompanies would also resort to cheating. Placed an order on Big Basket a few minutes back [Order # TBN-1935670844-20260317]. The order had an item "Iceberg Lettuce" listed in the app for Rs 167. I went ahead and ordered it. This was the first time I was trying this product. It felt costly but I still went ahead. It is only after the product was delivered that I realised that I have been royally fooled. The product had an MRP of Rs 97 only. How can they show prices in their app that's more than the MRP? (Almost double). Tried to contact their customer care on the app just to get a robotic response that "prices can vary". Vary? I mean what, vary by 80%? And is it ok to sell above MRP? This is just not done! Everyone seems to find opportunities to loot !

@TRS4TS Fully agree with you!! Companies do revoke offers due their internal decisions leaving candidates without any job. Every candidate have full rights to negotiate offers cc: @jasveer10

In 2022, I had an offer from One of the BIG4 consulting firms . I resigned from my current project , gave them a two week notice , meanwhile the BIG 4 company started my BG check . By the time my BGC was completed , it was 3 weeks , when I was ready to start , the manager told me the project they hired me for didn’t take off , and they couldn’t continue my offer , Thanks to my network , I was able to find an other one in a couple weeks , but I did loose about 3 weeeks pay . Lesson learnt , pockets burnt Bottom line : Employers are no saints . Love your work , not your employer , for he will not think a second to fire you .

@SinghPramod2784 @GullyGavaskar @TheOfficialSBI never ever check your credit score on any third party app like paytm, mobikwik or gpay, if you don't want to sell your data and get bombarded with thousands of spam calls. Always check your credit score on the CIBIL official site. You get it once a year for free.

@GullyGavaskar @TheOfficialSBI It's easy. If you use Paytm or Mobikwik, the app has a section to check your credit score. Once you click it, you will see your credit history with active or paid loans.

Dear @TheOfficialSBI , I never took any loan from the SBI and never held an account with you. How come a personal loan is showing against my name in my CIBIL report? I want a clarification now and failing which I will seek legal recourse.

@LearningEleven @stayatginger same Ginger Aurangabad

If you ever stay at Ginger - IITM, you will never stay at Ginger Hotels! It's difficult to even describe how bad a experience it can offer! @stayatginger

@dealztrendz #15691

Indus by Sarvam AI has officially launched on Android and iOS! Access is rolling out gradually though This homegrown AI is designed for real Indian needs, with strong Indic language support, quick responses, reliable local insights.

@wintrackinc If not delivered in 30days, you post a complaint, we will threaten you and post your personal information on twitter

Not delivered within 30 days? We refund 100% of your money — and the product is yours FREE.

@smartspendcode @PrawinGaneshan This is opportunity for @ChennaiCustoms to expose this guy

Let me further expose the criminal mindset and dangerous behaviour of @PrawinGaneshan with clear evidence. When my personal address was posted publicly from their official account wintrackinc, I first assumed it might be a mistake by someone from their team and reached out privately requesting it be taken down or reposted with masked details. What followed is captured in the screenshots. 1st screenshot - instead of correcting the mistake, he behaves as if posting a customer’s address publicly is acceptable 2nd screenshot, he literally says “Why should I mask?” which clearly confirms this was intentional and approved by him 3rd screenshot, the blackmail is obvious: “If you delete your tweet, our tweet will be gone.” This is doxxing followed by intimidation. 4th screenshot,t, look at the language and tone: “Will u tweet again or not” and “let it remain then.” This is exactly how ransom style goons talk, not legitimate business owners. All I kept asking was simple: post whatever response you want, but mask my personal address. That was repeatedly refused. This was done purely as retaliation because I spoke about a 2 month delivery delay. This raises extremely serious data protection and business conduct concerns. If a company is comfortable publicly exposing a customer’s personal address, what safeguards exist for customer data internally? Is customer information being stored securely at all? Is any customer data being shared with third parties or sold to overseas suppliers in China? Most importantly, does an individual with such criminal behaviour even remain fit to hold business licenses, GST registrations, and importer privileges to operate cross border trade? I urge the concerned authorities to take note and investigate violations under the IT Act, IPC, data protection laws, misuse of customer data, unfair trade practices, and illegal intimidation @GoI_MeitY @AshwiniVaishnaw please check for violation of IT Act and digital privacy protections @FinMinIndia @GST_Council @dgftindia @nsitharaman for business conduct, licensing compliance and import practices and for regulatory oversight of such entities @ChennaiCustoms @cbic_india for importer conduct and customs compliance @HMOIndia @AmitShah for criminal enforcement under IPC and cyber crime provisions This is an informal complaint against WintrackInc and its owner @PrawinGaneshan for publicly disclosing customer personal data, intimidation, coercion, and potential violations of Indian digital protection laws. GST Numbers involved for Business NameWINTRACK INC : 32EPCPP2763E1Z2 33EPCPP2763E1Z0 (also running the brand The Zoo Mart under this GST with co-founder sonia arunkumar) No customer should ever face doxxing or threats for raising a service concern. Whether he is wrong or right is another matter but doxxing is not justifiable under any circumstances.

@ThetaVegaCap CA saab, ek saal piche chal rhe ho apne data mein, idfc ka interest rate verify krlo ek baar

Best FD Options in 2026 – Safe & High-Return Choices SBI: 6.05%–6.60% | Senior: 7.3% HDFC Bank: 6.15%–6.60% | Senior: 7.5% ICICI Bank: 6.25%–6.60% | Senior: 7.6% Axis Bank: 6.10%–7.10% | Senior: 7.8% IDFC First Bank: 7.00%–7.75% | Senior: 8.4% Yes Bank: 7.00%–8.00% | Senior: 8.5% AU Small Finance Bank: 7.10%–8.00% | Senior: 8.75% Tenure range: 1–10 years (varies by bank) Note: FD interest is fully taxable. Higher rates usually come with higher risk. Its time for FD Now 😄😄😄 #Investing

@vaibhavluthra In idfc app, there is option "First rewards" on home screen.

@vishalcloudguy That's stark difference. Which portal does idfc use for bookings?

🏨💳 Points vs Price — what would you pick? 🤔 HSBC 🏦 has solid rewards on travel spends, but prices on their portal often look… inflated 👀 🔹 MMT price: ~₹6,500 🔹 HSBC Travel One price: ₹7,239 Here’s the twist 👇 ✨ 6x on hotels = ~24% value back 💸 Effective cost after rewards: ~₹5,500 🔥 ⚠️ Catch? Higher upfront outgo from your pocket. So what’s your move? 👇 💰 Lower upfront price or 🎯 Higher rewards, lower effective cost?

@7659rg @harshmadhusudan @letsblinkit naam mein RG aane se hi satak jati hai kya

@harshmadhusudan @letsblinkit You cheater, you want everything free and cheat the delivery person, you should pay him immediately instead of lying here on X.

Hey @letsblinkit we ordered from you last late night (pre-paid order of 4658 INR or so). We received the order. The delivery man then for some strange reason canceled the order. The company then automatically initiated a refund which shows will be proceeded on 02 Jan. We have told the company many times to cancel the refund if needed as we have already consumed some of the items. They said it’s a process etc. We have also said if we get the refund we will immediately pay the company again. Meanwhile, the delivery man has repeatedly and angrily tried to come to our house, shouting for “his” money. But company is telling us that even when refund is processed to pay them again (and not the delivery man). When he was not allowed by security, he sent his “friends” (I think also delivery boys) when I was not home saying they just want to “talk” - the friend threatened our domestic help and my wife, who luckily did not open the door. I am not sharing his name and photo for now - happy to do if needed. The company is now saying take care of your family’s safety. We are exploring all options but is this how @zomato @deepigoyal deal with their customers and leave them in the lurch? You want to blacklist someone or not that is your call. We order from you and pay you, and your terms with delivery people is with them. We have no intention of taking one paisa of item without paying - our order history will confirm the same. @MumbaiPolice

@CardNiti biggest scam is using their portal for booking hotel or flight. I just compared a munnar, kerala hotel, it was costing 10500 on idfc and 7800 on mmt. why pay almost 25-30% extra to earn the same in points.

IDFC Gaj : An invite only Premium Metal Card. But is it really meant for people who don't have access to other premium CCs ? Many might think so. After digging into the details, my take is very different. Time to read past the noise. 🧵

@thecrazyguy0011 @CardMavenIn I was also searching for this, but couldn't not find anything

@CardMavenIn does the card provide accelerated rewards for buying vouchers just like ishop or smartbuy?

🧵 Breakdown: IDFC FIRST Bank 'Gaj' Metal Credit Card An overview of the features, fees, and terms for this invite-only metal card. 1️⃣ Fees & Renewal Terms • Joining/Annual Fee: ₹12,500 + GST. • Welcome Benefit: 12,500 Reward Points + 25% discount voucher for select 5-star hotels (via app). • Renewal Fee: Waived on spending ₹10 Lakhs in the anniversary year. • Renewal Benefit: If the spend milestone is not met, you receive 12,500 Reward Points upon paying the fee. 2️⃣ Reward Structure ('Value Back') Points accumulation rates when booking via the IDFC FIRST Bank App: • Hotels: 50 Points/₹150 (33.33% return). • Flights: 25 Points/₹150 (16.67% return). • International: 3 Points/₹150 (2% return). • Base Spends: Up to 3.33% return. Redemption: 1 Point = ₹1 for travel bookings on the app. 3️⃣ Travel Features • Forex: 0% markup on international transactions and ATM withdrawals (standard ₹199 ATM fee applies). • Cancellation Cover: Reimburses up to ₹50,000 (max ₹25k flight / ₹25k hotel) for non-refundable bookings twice a year. 4️⃣ Lounge Access & Conditions Eligibility: Requires ₹20,000 spend in the current calendar month to unlock access for the next month. • Domestic: 4 visits/quarter (Includes access for 1 Guest). • International: 4 visits/quarter • Railway: 4 visits/quarter. 5️⃣ Lifestyle Privileges • Golf: Up to 24 rounds/lessons per year based on monthly spends (Spend ₹20k = 1 round; ₹40k = 2 rounds). • ITC Hotels: Complimentary 3rd night when booking 2 paid nights. • Elivaas Villas: Complimentary 3rd night or 50% off the 2nd night. 6️⃣ Insurance & Assistance • Air Accident Cover: ₹1 Crore. • Fraud Liability: ₹50,000 cover for lost card/online fraud. • Travel Inconvenience: Covers baggage loss/delay and flight delays. • Roadside Assistance (RSA): Complimentary 24/7 support (worth ₹1,399). 7️⃣ Companion RuPay Card • Issued as a lifetime free virtual credit card. • Rewards: 1 Point/₹150 on UPI transactions. • Usage: UPI spends on this card count toward the ₹10 Lakh annual fee waiver milestone. 8️⃣ Summary The card carries a high fee but offsets this with 12,500 annual points. The primary value proposition lies in the 33% return on hotel bookings via the bank's portal and the included guest access for domestic lounges.

@ashiskar02 @CardMavenIn it is invite only, so I guess RMs will help to get it. It can't be applied online

@CardMavenIn I just checked app. I m being offered Asva and Mayur card to upgrade. I think the Gaj card may be offered to people with Mayur card?

@ValueWithPrem Same case everywhere, every bank has same criteria but after complaint they come down on knees

You won’t get a bank locker unless you open an FD with us. Do whatever: Bank manager I used this simple hack and the same manager came home for the locker agreement.👇🏻

@Preethamofc @vibhusam28 Opposite for me, suzuki was not interested in selling, tvs was okayish

@vibhusam28 Went to TVS, they were not that interested since too many customers in the showroom. Suzuki sales folks were very supportive. Finally chose the Access 125.

I went to TVS and Suzuki dealerships today... - asked for Ntorq 150 test ride They didn't have a test vehicle... I just stood there, they barely took interest in showing me the scooter, but they did, okay fine Told me to come on next Saturday for the test ride of Ntorq 150 (Early Impressions, the Ntorq felt high quality, the switches, the body panels, everything...very convincing) - Suzuki Access was all over the place in the Suzuki dealership, I couldn't count how many they were...(highest selling product, expected) Idk what happened, they showed the scooter thoroughly, but couldn't respond on test ride...maybe the manager was busy, they didn't approach her Access, I knew already... High quality, obviously Ntorq 150 is more expensive, and it also felt more expensive in feeling and quality Moral of the story, I came back testride-less :) (my Aerox isn't going anywhere guys, it's the Hero Destini which I'm trying to replace)