rawandrealfinance

💳 Still waiting for that Credit Limit Enhancement or Card Upgrade on your HDFC Credit Card? 👀 You might be missing ONE simple trick most people ignore: 🛠️ Update Your Customer Profile on NetBanking! Here’s how ⬇️ ➡️ NetBanking > Top-right corner > Profile Details > Update Customer Profile 📍 Add your latest: 🔹 Salary Slip / Income details 🔹 Company Name (if salaried) 🔹 Business info (if self-employed) 📈 HDFC uses this to evaluate your creditworthiness for upgrades or CL bumps! 📆 After updating, check the app in a few weeks 👀 (Provided you’re using your card actively & meeting spend benchmarks 💸) 🧠 Most users forget this for YEARS — and wonder why they don’t get upgraded 😵‍💫 🚀 Don’t miss out. Update today = Level up your Credit Card game 💪 #CreditCards #HDFCCreditCard #CreditLimit #FinanceTips #CLUpgrade #SmartMoney @HDFC_Bank @HDFCBank_Cares @Credolite @AmazingCreditC @GoldDealsIndia @ccg33k @TravelBluez @CRED_club @SBICard_Connect @spendwiselyx @abhishekbakshi @cards_wizard @credofly @RewardsMaverick @rewardingspends @MagnifyClub @AmazingCreditC @nebula_world @iSatishAgarwal @spendwiselyx @pointspro @Savesage_club

@suritalreja @EvryPaisaMatter Anant Ambani ——> owner of jio studios ———> biggest production house in India now (post dhurandhar) ——> basically wishing your boss on his birthday 😁😉

@EvryPaisaMatter Everything looks like a paid campaign for his birthday. Jitna bhi daan kiya, sab ko reels aa rahi insta or X pr. Kaafi X pr post bhi aa gaye,anant me idhar daan kiya udhar kiya. Kyu karte he businessman esa ? Mujhe to bola tha bade logo ne, neki kar dariya me daal.

Samay Raina ki baat yaad aa gayi - India is a country of Contacts. Yahan contacts se sab ho jata hai. Koi hai tere paas aisa, jiska mantri logon ke sath relation achcha ho?

.@cred_club unveiled the new version of ⁦@Kuvera_In⁩. One of the features is to park your spare money / surplus in Liquid funds, which can be liquidated and accessed immediately (subject to regulatory caps). Pretty cool to earn 6-7% on liquidity rather than 2.5-3% @kunalb11

The backlash against recent devaluations (like Axis Bank) reveals a deeper systemic issue: The Entitlement Trap. 1️⃣ For over a decade now, private equity funded our lifestyles (Uber, Ola, Swiggy etc etc). Huge discounts, instant refunds and insane rewards were the norm because startups prioritized growth over profit. Banks were chasing customers in a severely under-penetrated Indian market. 2️⃣ Now, the "free lunch" is over. Banks and startups are being forced to actually... make money. 3️⃣ Take credit cards: If a bank earns 1-1.5% from a merchant, giving you 14% back is a massive loss. Expecting that to last forever isn't just optimistic; it’s economically impossible. Add to it, their rumoured cost of buying Accor points at >Rs 2 each and you are looking at a free ration scheme for the rich! 4️⃣ When we "sue" or attack MDs for fixing unsustainable promos, we aren't protecting consumers - we're killing the ecosystem. Profits aren't evil; they're the reason the service exists in the first place. 5️⃣ Don't get me wrong: consumer rage is 100% justified when there are genuine wrongs. If a company commits fraud, hides fees or breaks the rules, absolutely take them to task. Even we crib and complain - but there has to be a logical explanation to demand our right, while understanding the other's perspective too. 6️⃣ But throwing a tantrum and threatening legal action because a bank legally updated their transfer partners to stop bleeding cash? That’s entitlement, not justice. 7️⃣ It has spilled into everything. We now see people demanding free hotel stays, comped meals or free products for minor goof-ups, acting like it's their fundamental right. A small, honest mistake by a company is not a winning lottery ticket. Time for a reality check on what sustainable product/service actually looks like. No profit = Business dies = Product/Service dies. Not asking you to overpay but know the math. P.S. We posting this saintly gyaan has nothing to do with us posting memes on the deval, for fun 😛

@suritalreja Chalo hum bhi join karte hai

If you are into Travel, Credit Cards etc and have not joined this WhatsApp group, then what are you doing ? chat.whatsapp.com/JekdCxvee4H7wn…

Hdfc Opulence is the flavour today 😂😂 @jassneetsingha @pointperkspicks

@jassneetsingha all together different stuff :P

@rawandrealfin Lol

🚨 BREAKING NEWS: HDFC launches ultra-premium card 🚨 Presenting the all-new HDFC Opulence Credit Card 💳 (Available on Visa & RuPay) 👑 Eligibility: By Invite Only – First invites going to users with avg ₹12L spend over last 3 years on HDFC cards. 💰 Fees: ₹1,00,000 + GST (because why not 😌) 🎁 Joining Benefits (₹1L+ value):– Accor Plus Membership – Hyatt Dining Membership – Taj Epicure Privileged – Air India Gold Status ✈️ 💸 Rewards:– Flat 4% on almost all spends (Excluding wallet, EMI & fuel) 🔥 New “HDFC Opulence” Platform Multipliers:✈️ Flights – 25% 🏨 Hotels – 40% 🎁 Vouchers – 15% 📊 Monthly Cap:₹25,000 Reward Points 🌍 New Transfer Partners:– Hyatt (1:1) – Oberoi (1:1) – Emirates (1:1) • All SmartBuy partners at 1:1 . . . . . . . . . . And if you’re still reading and thinking “yeh toh lena hi padega”… ..😂 HAPPY APRIL FOOL’S DAY! 😂 — Raw & Real Finance

@Ravithakkar0071 hahaha

@rawandrealfin Whatever today is posted on social media Looks like April fool

@jassneetsingha hahaha

@makemytrip @makemytripcare - pls look into this issue at priority

Great Story from @drhiteshsomani Using technique explained by @iSatishAgarwal as he appeared as a guest in our podcast video on @rawandrealfin YouTube Channel You can watch directly "Singapore redemption benefits" section here - youtu.be/GgcLoP9gmG8?si…

Almost done executing an 11-day Japan Golden Route for a VIP family with a complex brief. 🇯🇵 Designing a seamless luxury trip is one thing. Doing it with a strict 100% vegan diet, two high-energy teens and a high-end shopping list that reads like a Vogue x GQ editorial? That’s where a travel advisor earns their keep. Here’s what a masterclass in travel logistics looks like: 🛍️ The Targeted Shopping Strategy We didn’t just add "shopping time" to the calendar; we mapped precision strikes. We routed the parents through hidden Aoyama boutiques for pristine vintage Hermès and Chanel and locked in Japan-exclusive, artisan-crafted sneakers in Omotesando. While the teens were dropped into the anime and gaming paradise of Den Den Town, we secretly routed the parents to Nakano Broadway for world-class luxury watch hunting. 🔄 The Pivot Masterclass Real luxury is infinite flexibility. When the clients changed their minds on the fly - swapping samurai classes for digital art, dropping a Michelin-star reservation for casual ramen or needing to completely reroute a transit day just to secure a 3 PM hotel nap - we didn't flinch. You change your mind, we seamlessly rebuild the matrix. Zero stress for the client. 🍣 The Culinary Miracle Japan is notoriously tough for strict vegans. We bypassed the tourist traps for tofu Kaiseki, legendary wood-fired Neapolitan pizza, plant-based soy-milk ramen and even a hidden vegan Izakaya in the neon heart of Osaka. The ultimate flex? The Japan logistics were so dialed in that before they even packed their bags, they hired us to design their next two getaways: a Swiss Alpine summer and a Luxury Bali retreat or was it the other way round - tough to tell! 🏔️🌴 Your family’s complex dynamics and frequent mind-changes aren’t a burden - they’re the blueprint. Stop settling for cookie-cutter travel. ✈️🥂

@rawandrealfin 🚀Work from WeWork @ ₹299/day PAN India Passes Premium office Crazy price Book for any number of days. ☕ Unlimited Coffee ⚡ High-Speed WiFi 🎮 Games Room 👉 Book Online using wework.co.in Buy Your Pass directly from my bot t.me/DealShops_bot

@gautam888 this has calls as well

@rawandrealfin Trip. Com has 50 rs per day packs with good amount of data.

✈️ STOP paying ₹3,000 for International Roaming! 🌍 If you have ANY Mastercard issued in India (RBL, BoB, Axis, ICICI, etc.), you can skip the expensive roaming packs. Next OneSIM is giving away a FREE 3-day international pack (500MB + 25 mins calls) to all Mastercard holders! Why this is a lifesaver: ✅ Cost: ₹0 (No delivery or activation fees). ✅ Delivery: Instant eSIM via WhatsApp OR Free Physical SIM home delivery. ✅ Validity: Offer runs until Dec 31, 2027! ✅ Coverage: 90% of global tourist destinations. How to grab it: 1️⃣ Visit nextcellular.co.in/next-one-sim 2️⃣ Scan the QR to chat on WhatsApp & send "Hi". 3️⃣ Select "New Customer" ➡️ "Redeem Mastercard Offer". 4️⃣ Enter the first 6 digits of your Mastercard (Debit or Credit). Pro-Tip: 500MB is perfect for Google Maps and Uber when you first land while you hunt for a local SIM. 💳 Only have a VISA card? I’ve got you covered too! Check out the Visa hack here video on YouTube: youtu.be/ta0POpfpE98 #visaoffer #mastercardoffer #freeesim #freeinternationalroaming #travelhacks #creditcardsindia #travelindia #RawAndRealFinance @Mastercard @Visa @rblbank @AxisBank @HDFC_Bank @bankofbaroda @ICICIBank

@cardio_guy any will work

@rawandrealfin Do we need any specific phone model for this esim to work, or will it work on any phone?

Turned my ₹10,000 Amex Taj Voucher into a perfect getaway! Stayed at @VivantaHotels Ekta Nagar for 2 nights at just ₹9,450 (incl. breakfast for 2) — a great value deal. 📍 Statue of Unity is an ideal 2-day destination with excellent infrastructure and smooth travel experience. 🚌 Free hop-on hop-off bus service makes sightseeing very convenient. 🚆 Nearest railway station: Ekta Nagar Railway Station ✈️ Nearest airport: Vadodara Airport (~90 km) Must-visit places: • Statue of Unity Viewing Gallery • Valley of Flowers • Sardar Sarovar Dam • Laser Light & Sound Show • Jungle Safari Park • Cactus Garden • Pet Zone Very well connected A well-planned short trip — highly recommended for a quick family or couple getaway. Thanks #CCgeeks for their direct & indirect guidance. @ccg33k @rawandrealfin @greatindianmile @ameyakarve and many more. #ccgeeks #StatueOfUnity #TravelIndia #AmexBenefits #TajHotels #WeekendGetaway

@nmdedhia @VivantaHotels Great redemption story 🔥

@VivantaHotels Thanks @rawandrealfin , Rushank and Abhishek for your guidance. I am part of your WhatsApp group and adding immense value to me.

@CreditCardsInd @AmazingCreditC @asksuranaji @suritalreja @taditdash @rohit821pat @EvryPaisaMatter @luxe_explorer @imYadav31 @SwipesAndSmiles @FinPaal Seems that. Best is to do buy directly thru smartbuy

@rawandrealfin @AmazingCreditC @asksuranaji @suritalreja @taditdash @rohit821pat @EvryPaisaMatter @luxe_explorer @imYadav31 @SwipesAndSmiles @FinPaal So we can’t do MultiDip for PharmEasy 🤔

How to pay via Giftcards on PharmEasy app/website ? Unable to fine option to pay via gift card @AmazingCreditC @asksuranaji @suritalreja @taditdash @rohit821pat @cards_wizard @EvryPaisaMatter @luxe_explorer @rawandrealfin @imYadav31 @SartanparaYash @SwipesAndSmiles @FinPaal @CardMavenIn @credofly @bethalaluka