Card Maximiser (formerly SmartTravelClub)

🌟 Ultimate VIP Experience Alert! 🌟 Our guest just got a 3️⃣- level upgrade to a luxurious 2-bedroom kitchen suite in Dubai 😍 But that’s not all! ✨ Perks they enjoyed: 🕗 8 AM early check-in 🍳 Complimentary breakfast 💳 $100 resort credit Why settle for ordinary when you can have extraordinary? DM me to book your next luxury stay and unlock VIP perks, upgrades, and unforgettable moments! ✨ #LuxuryTravel #VIPExperience x.com/SmartTravel83/…

@doktoramar Yes - it should!

@CardMaximiser Feberal bank upi trick works with scapia upi also?

🚨 Tricks to Check Merchant MCC – Don't Lose Rewards! ❌ A common issue is incorrect MCC like while buying cars MCC being fuel or utilities. The result is zero rewards! Always verify the MCC before making a large transaction. Here is how to find it: 1️⃣ Call the bank This is the most accurate method. Do a small test transaction first. Call customer care and ask them to confirm the exact MCC for that charge. 2️⃣ Scan offline QR codes Use a standard QR scanner app on the store's QR code. Check the raw text for "mc=". If you see "mc=5411", that number is the code. This doesn't work on every QR, but it’s worth a try. 3️⃣ Razorpay method If paying via a Razorpay link, open it on a desktop. Select UPI to generate a QR code. Scan it with your phone and look for the "mc=" tag. 4️⃣ Check via banking apps. Some apps show this data instantly. * IDFC: Make a payment and download the receipt inside the app. The MCC is listed there. * Federal Bank: Send ₹1 via UPI using the FedMobile app. The statement shows the category code immediately. Any other tricks you guys use to verify MCC? 👇

💰 A family member just saved Rs 15,996 thanks to the DGCA’s 24hr free cancellation/amendment window. 🧮 Refund Math… • Booking amount: Rs 27,324 • MMT Convenience Fee: Rs 1,470 ⭐️ Refund amount: Rs 25,854 Previously he was offered just Rs 9,858. (1/4)… Here are how things unfolded 🧵

If your cancellation was eligible for a full refund under these rules, you might still be able to get it, even though time has passed. Check out this useful post by @SmartTravel83 👇

🚨 You can now report traffic violations and be rewarded! But will it work? What if people try to make money out of it or do false reporting? 🤔

🚨 Get compensation for credit card rejection with vague reasons Complain to RBI if a bank doesn't give you a specific reason for card rejection. 💰 Get compensated in the process for denial. #ccgeeks #CreditCards #ConsumerRights

@doktoramar x.com/smarttravel83/…

@SmartTravel83 Sirji can u guide on procedure for complaint

Sharing the steps taken by OP: What I had to do: 1.⁠Complained to Level 1 Grievance Redressal on IndusInd website. Alternatively you can email to premium.care@indusind.com 2.⁠After 3 days (28th April), I got reply from them asking me details such as name, address, date of application, pan no., mobile no. etc. 3.⁠After 2 more days (30th April), they responded "According to the set norms, we will be unable to disclose the internal assessment parameters under which your application has been rejected." 4.⁠I emailed them back telling them that under RBI's master directions 6.a.1, bank has to tell the exact reason of rejection. I copy pasted the RBI master discretion paragraph and warned them that I will raise this issue to RBI if unresolved. 5.⁠After waiting 3 days (2nd May) with no reply, I escalated to RBI Ombudsman giving them all the emails. 6.⁠On 15th June, as the complaint was under process, IndusInd mailed me from headcreditcards@indusind.com stating the rejection reasons as "CIBIL Rules Failed". Also stating that I hold an active card from January 2025 which doesn't meet the "Vintage Norms". 7.⁠I replied to them asking them for clear reason rather than mentioning these fancy terms. This time I justified my questioning by mentioning details such as my credit score and credit history. I told them I wont close the complaint unless they tell me the reason for rejection. 8.⁠On June 30th, RBI reached to me with the same copy pasted email from IndusInd I received on 15th June. RBI asked me to offer my comments and feedbacks along with documents against bank. 9.⁠I provided RBI with my CIBIL score, CIBIL history and my Credit Account details. I again mentioned the RBI Master Directions guideline and that the bank didnt follow this. Along with this, I asked for Rs 2500 compensation for Mental Agony. 10.⁠On July 18th, IndusInd reached out to me asking details of my bank account where they had to deposit Rs 5000 as compensation, which I provided. 11.⁠On 22nd July, I got the amount in my Bank Account. 12.⁠RBI closed the complaint on 25th July. I used ChatGPT to mail IndusInd and RBI. Provided it with basic template without any of my personal details to ensure basic privacy. Made sure to mention rules and guidelines so that I have proof that I instructed and requested details from Bank and RBI as per the correct procedure and guidelines.

@SmartTravel83 Thank you for inform get ready @IDFCFIRSTBank. Limit cut from ₹80K to ₹1K? Approved. ₹1K to ₹100? Denied 'internal policy'. Funny how that policy didn’t exist earlier. Pure hypocrisy. Waiting for July 30th @RBI Ombudsman will decide now.

@VBHATI2050 Nice to hear from a fellow IO user 😋😋

Before ***IO came into effect, BitTorrsnt with VLC and ethernet once upon a time 512KbPS connection unlimited was all we had, Now I just use torrent and stream it using IO, Netflix vagera nahi lete hum aaj bhi 💅🏻

🚨 Wow! Creative ways through which schemes are misused. Is this one of the causes of India being a low trust society? Makes credit cards hack shared seem petty in comparison. #ccgeeks

@diogo59416142 Yeah, Indeed!

@SmartTravel83 Dubai's denial reveals the truth about the 23L Golden Visa, highlighting India's migration issues and media misinformation.

🚨 Dubai officially denies 23L Golden Visa It always sounded too good to be true. However, it exposed two major issues: 1) Serious concerns in India due to which large number of people want to migrate 2) Indian Media continuous circulation of fake news for TRP

@rvkcbse Yeah! The rumor was mainly spread in the Indian community

@SmartTravel83 Certain Nationalities you mean Indians ?

@contliving @milestrader Exactly! But the while thing did raise a few Qs as well x.com/smarttravel83/…

Why you shouldn’t waste time on things that don’t make sense.

@dishantkuber It allows to pay via points but no perks

@SmartTravel83 Novotel juhu?

✨ Deal Alert: Fairmont Mumbai! ✨ You can now get VIP perks at the Fairmont Mumbai, even on a 1-night stay. Stays start at ₹15,000 and include:
 💰 $100 Hotel Credit 
🍳 Complimentary Breakfast 
🏨 Room Upgrade (on arrival, subject to availability)
 🎁 Welcome Amenity This is a one of the most VFM offers right now especially with the generous credits on offer. Feel free to DM to avail this offer.

@dishantkuber Not at this property!

@SmartTravel83 Burning all will allowed with this?

@jsjolly9 I see availability for the rest of the year atleast and its a refundable booking. I also expect them to bring in some restrictions as the offer is too good at the moment especially for short stays.

@SmartTravel83 What's the timeframe like? If I want to book then how far back should I connect?

@patebaaz Not when availing the perks. But hotel credit can go a long way with accor plus discount.

@SmartTravel83 Redemption allowed?