I took to the Travel Advisor role because I enjoy planning itineraries. All my life, I have been researching, planning and booking myself for all my travel (except for my recent Spiti trip).
I intend to do the same for all my clients. While I bring along all the benefits of any
I am a Travel Advisor, apart from being a Points/Miles nerd and a consultant by profession.
Advising clients on what is best for them rather than for me is very high up in my priorities.
- A client asked me to choose between a Hyatt and a Taj property recently and I suggested him
🎉 GIVEAWAY TIME! 🎉
I'm giving away a Rs 2,000 Myntra voucher to one lucky winner! 🛍️✨
To enter:
1️⃣ Should be a follower (new/existing)
2️⃣ Retweet this post
3️⃣ Tag 2 friends who love to travel!
Winner will be publicly announced on 28 April 🌟
#Giveaway
#TravelAdvisor
#CCgeek
I am a Travel Advisor, apart from being a Points/Miles nerd and a consultant by profession.
Advising clients on what is best for them rather than for me is very high up in my priorities.
- A client asked me to choose between a Hyatt and a Taj property recently and I suggested him
****Be wary of Amazon Pay****
Not all approaches to deriving benefits out of Amazon Pay end up in happiness. Some can lead to account closure and seizure of entire wallet balance! 😨
Now, Amazon Pay is not bad - in fact, I myself recommend it as the go to option for insurance and
🇨🇭 **A Swiss Sojourn Beyond the Regular Path** 🇨🇭
1/ 🧳 While many flock to Lucerne & Interlaken, my Dec '23 Swiss escapade took me to the enchanting locales of Zermatt, St Moritz and more. Here's why they're the alpine jewels less-traveled🧵
#Switzerland
#TravelDiaries
A nostalgic trip down memory lane. 🌟
***HDFC Diners Black Credit Card: A pale shade of what was the BAAP of all cards***
✨It offered an outstanding promotion - the much sought after 10X Reward Points Program without limits.🌟
Yes – you read that right. There were no limits to
While Citi's closure has sparked nostalgia among
#ccgeeks
, there were several interesting products/cards in the years gone by. Will write about some soon.
Meanwhile, if you were given an option to revive one of the below cards, which will you choose?
Choose and comment your
🔍 ***Which Credit Cards reward Government/tax Payments in India?***
Government spends for most individuals will hardly justify taking a separate credit card.
Nevertheless, self-employed professionals, business owners could have heavy spends towards GST, income tax etc.
Accor HDFC Offer is already live now. Was supposed to start from 27th, but I just tried and it allowed me to purchase the Explorer membership for 7,500 pts for my wife's account.
No verification of HDFC card ownership required.
Also, did you know that Pranaam services at Mumbai intl airport come with a 10% discount on duty free shops? The best thing is all the discounts can be stacked together. I shopped during my recent arrival after immigration and was able to combine Pranaam + Product + Axis discount
🌟 Just wrapped up a 21-night booking extravaganza in Australia and New Zealand for a client!
🌏 From Melbourne to Auckland, Rotorua to Christchurch, and all the way to Mt. Cook and Queenstown, I've meticulously researched hotels, perks, and deals. 💼
🏨 Perks? You bet! Think
📷 **Which Credit Cards reward Insurance Payments in India?**
One of the burning questions
#ccgeeks
look for answer to? Let's explore the options -
A Thread 🧵
**HDFC Bank:**
- Infinia/Diners Black: Normal reward points (=3.3% of spend) with a cap of 5,000 RPs/day. See a review
What will happen in the
#ccgeek
community if tomorrow Nirmala Tai announces the following measures for the sake of Nation building? 😉
1) A levy of 18/28% GST on all reward points accrual, and
2) Wealth tax of 30% on all accrued reward points balances of over 1 lacs (INR
***Announcing service to help fight genuine issues against banks/card issuers***
Have already custom-prepared over 100 emails for various persons between yesterday and today.
Most of the complains were regarding card rejections! Common banks were HDFC and Axis and some for AU,
***The Betrayal of the Reserve card***
I filed a complaint with Ax-is Nodal Officer and PNO against their arbitrary stoppage of renewal benefit of 50k RPs.
While the bank is free to change card benefits with 1M notice as per RBI directive, I feel this particular change was
Have drafted nine such emails so far for different persons and also directed them to proper bank channel for complaining. If you are one of the aggrieved, reach out to me over DM with a brief problem statement and the bank name. I don't ask for user sensitive information or fees
And for those who are procrastinating about writing to the Bank's Nodal Officer and PNO, please DM me. I will send you a draft email along with their email ids. You just need to send it from your own account.
💳 Which credit card to apply?
A question that often pops up, but lacks a one-size-fits-all answer. I used to respond with ‘it depends’ or suggest Infinia to dodge the complications🤷♂️
But not anymore! Presenting a data-driven model to pinpoint the ideal card for everyone! 📊🧵
***My CA doesn't understand the world of CC rewards***
He thinks there is something wrong in the following post and I think he is not fit to be a
#ccgeek
Who is correct ⁉️⁉️⁉️ Please tell me it's me and not my CA.
Month 1: ### Ready to Jet-Set with 10k saving on my Tokyo
🌟 Incredible Savings Alert! 🌟
Why pay more when you can enjoy luxury for less? 😍 Book with us and save ~50% compared to Smartbuy/MakeMyTrip + additonal perks (breakfast, refundable rates and US$100 property credit).
DM us now!
Ex: Sofitel Singapore Sentosa Resort & Spa
🧵
@cards_wizard
And then there is continuous suffering in day to day life in everything. Be it commute, pollution, stress, traffic, honking, etiquette, road rage and so many others, which are silent killers.
***Credit Cards Basics
#1
***
📢 Let's talk about a fundamental principle of credit card management: ALWAYS PAY the amount due in FULL by the due date
#CreditCardTips
#FinancialLiteracy
Let's understand why in a 🧵below -
Wrapped up yet another luxurious yet complex safari adventure for a client (family of 8) to Kenya. 🇰🇪🦁🌍
Started with a longish itinerary spanning Amboseli, Samburu, Mt. Kenya, and Maasai Mara, but it was becoming too exhausting. 🗺️😴
Cut it down to suit the client's schedule,
***No Notice devaluation Round 'n' by HSBC Platinum Visa card***
HSBC India is soon surpassing Ax-is in being the worst card issuer in the country. For its Platinum Visa card, the bank has yet again devalued its reward program without any notice.
The sequence of events -
1) HSBC
***The Betrayal of the Reserve card***
I filed a complaint with Ax-is Nodal Officer and PNO against their arbitrary stoppage of renewal benefit of 50k RPs.
While the bank is free to change card benefits with 1M notice as per RBI directive, I feel this particular change was
Saw this nice ad for instant virtual credit Rupay credit card today.
Scan any of the below QR codes to get an instant card. Issuance is subject to respective bank's pre-approval for the customers.
These cards can be used for UPI transactions too and allow reward points earning
***Verified Accor hotels in Turkey that accept points redemption on STEP rates***
Istanbul
Sofitel Istanbul Taksim
Swissotel Bosphorus
Galata MGallery
Bodrum
MGallery The Bodrum Hotel Yalikawak
Other good Accor properties in Turkey
- Artisan MGallery in Istanbul
- Downtown
@Kenu73
They asked me for another id proof. First time that I was asked another id that would be used to verify passport at immigration. Gave them my driving license - if only they knew how DLs are issued back home.
There's only 1 Pullman, 1 Sofitel and 1 Fairmont in India. It is going to be extremely difficult to get availability in these properties now especially after this mega sale of the membership. Best utilization of this membership is for SE Asia, ANZ and Japan - that too needs
@amarkedia
Bought for Pullman Delhi, and it isn’t showing available for the preferred dates. It isn’t even available for next one year. Waste of membership for me
After the wholesale purchase of Accor Plus Explorer memberships over yesterday through next week, expect Stay Plus Free Nights to be very difficult to come by.
If you have a plan to utilise them over the next 1 year, book it now - can always cancel it later and have the Free
Accor HDFC Offer is already live now. Was supposed to start from 27th, but I just tried and it allowed me to purchase the Explorer membership for 7,500 pts for my wife's account.
No verification of HDFC card ownership required.
Someone used Epicure 2 Nights stay voucher to pay for a Stay and claims it as Zero spend🫤. To my knowledge, none of the CC issuers give Epicure Privileged membership (costs Rs 50k + taxes) for free (Happy to be proven wrong).
Bhai Epicure membership cost ka kya hua?
Even if you
@peeleraja
You overpaid😱
I used
@eazydiner
last time I went there to get 1+1 free and then used my Indusind eazydiner card to pay just 18+GST per thali
#ccgeeks
Amazing targeted offer from Marriott! Haven't seen anyone talk about this yet - valid until July 31.
Get 1N free for each paid night (max 2), each worth 35k MB pts - Can stack additional 15k points to redeem for a higher category! ✨
#Marriott
#TravelOffer
🎉 **GIVEAWAY ALERT** 🎉
Win **4,000 Marriott Bonvoy Points** and get closer to your free night! ✈️🌍
**POLL:** If you had everything paid for a month's trip but no internet, where would you go?
A. Switzerland 🇨🇭
B. Las Vegas 🎲
C. Iceland 🌋
D. Any Other? 🤔
**To Enter:**
1.
**Passport Issuance and Renewal: A Necessary Hassle**
While there are numerous discussions on visa availability and processes, there is very little discourse about passport issuance and renewal in India.
Obtaining or renewing a passport has become relatively easier over the last
I've been traveling continuously for the past 3 weeks. First to Turkey, then to Singapore and then this adventure to Spiti. It could be recency bias or just the thrill and ever changing landscape at Spiti that has made me forget the 1st two destinations.
2 difficult destinations
Spiti road trip with
@modern_nomads_
concluded yesterday
1200 kms over 7 days across highways, mountain roads, off-road terrain, water crossings
our convoy had:
- 7 bikes
- 3 Thar
- 2 Innova
- 1 Endeavour
this was definitely the trip of a lifetime 🥺
Many people would have their fond memories of Citi as a bank. Here's one of my favourite yet painful stories -
Most of you would know that upgrading Premier Miles card to Prestige effectively doubled the miles transfer potential. I used this trick together with a lot of prior
Iconic Slogan "Citi never sleeps"
Finally Citibank Sleeps in India 😴
✨A Citicard holder since 2007
✨Citicard was my First Credit Card
✨Lot of memorable moments
✨Uninstalled Citibank app today
✨As it stopped working
#CreditCard
#ccgeek
#Nostalgia
An eye opening thread on why ULIPs are not really a bad product
***Long thread alert***
ULIPs have evolved! 🚀 Remember when charges were 50-60% of the 1st-year premium? Now, with internet advancements, costs have plummeted to zero.
Don’t believe me? I know. Btw this is not a
🚎🛣️ Heading to Turkey and then to Singapore for a 2 weeks trip shortly
I know it’s an odd combination but the idea was to finish off my stash of Turkish miles before devaluation and also to use my 2 Accor Stay Plus vouchers expiring in June 2024.
Also, my kids 🩷 Singapore as
Thanks
@AbhiChtrj
for sharing this - another game changing move.
I bought this yesterday on Ax-is MB and it tracks as MCC code 5310, which is an eligible category for RPs. This opens up a whole new way to pay for UPI, insurance and even govt transactions.
Earn rate will be what
This exploded! 45 emails sent and over 60 pending in DM.
Thanks everyone for reaching out - I will send out the pending drafts and email ids by EOD today. Keeping this service on forever.
While 90% of the requests I have received are for card rejection, I am open to help/guide
Have drafted nine such emails so far for different persons and also directed them to proper bank channel for complaining. If you are one of the aggrieved, reach out to me over DM with a brief problem statement and the bank name. I don't ask for user sensitive information or fees
48,000 Accor members in South Asia and Middle East (dated number). How many will be in India? 20k? 10k? 5k? And many with 2FN each as part of Reserve.
And every one wants to redeem it for Sofitel BKC or Pullman Aerocity which have cumulatively 550 rooms.
Let's assume 10% of the
There's only 1 Pullman, 1 Sofitel and 1 Fairmont in India. It is going to be extremely difficult to get availability in these properties now especially after this mega sale of the membership. Best utilization of this membership is for SE Asia, ANZ and Japan - that too needs
@credofly
To verify ownership of your account, please send invoices/evidences of the following -
X account ownership
Axis Bank ownership
Citizenship
Income documents
Loss documents
MD's aadhar, pan, kyc, re kyc, xyz and abc
CFO's ....
After that complain to whoever, we will again hack your
As luck would have it, the account was unfrozen in 2022 through a magic trick. I am not disclosing that and please don’t ask or DM. But there were important lessons learnt –
1) Never ever keep huge balance in Amazon Pay wallet no matter what. Load GVs and use it up immediately.
🌟 Dubai Family Trip Itinerary 🌟
Created a fun-filled Family itinerary for Dubai recently for a client. As I have said in the past, there are many ways to explore a destination, this is just one of them.
🧵
1/n
@milespointspro
@amarkedia
hahaha - I had plans to visit singapore in March (got cancelled) and I saw room tours for each accor property to figure this out.
I know atleast two good Accor properties which have jet after this research.🤣
1. Pullman hillstreet
2. Novotel living orchard road.
you can
Tata Neu is finding new ways to boost India's tax collection 😉. Offering free Zomato Gold membership with Neu Card now and then it will report its gross value to the ITD in your AIS.
@iSatishAgarwal
✈️🇦🇪 There are many ways to enjoy Dubai, a place where I have visited a few times now with my family.
In our most recent trip in 2023, we went during the Ramadan, which got us attractive room rates that too in the most sought after Atlantis The Palm.
Here's a rundown of our
***American Express:***
- None of Amex credit cards give points on government spends. However, for Amex Platinum travel card, all kinds of spends including government/tax payments are counted for its milestone benefits, which by itself can be a 6-7% earn rate making it a great
🚨 Massive News Kicking In from IDFC BANK 🚨
⭐️ 6 CV points per 200 will be awarded for government transaction upto Rs 1L
⭐️ App shows incorrect information of 1 CV point. They are updating the app.
@IDFCFIRSTBank
solved this in just 2 days. This bank is built differently.
Can't get over the awesome Turkish evisa application process! Have valid US visa for all 4 of us and thus eligible for evisa. No documentation, no photos - not even passport scans needed.
Just asked for basic biographic information, passport numbers and validity, US visa number
The client btw just informed me that the hotel upgraded him to a Club room with lounge access and complimentary 1 way airport transfer. So all 3 meals and snacks sorted + 1 leg of transfer for negligible additional charge.
All of this without any status with the hotel chain and
Turkey, Singapore or Spiti - which trip should I write about first?
I am also due to write about Japan, Munich, Salzburg, Malaysia, Hong Kong, Dubai, North Sikkim and then some more.
Ax-is gave me the shock of my life today morning as I wasn't able to log on to the Edge Rewards portal. Got the below error. Feared my account was blocked. But I had no commercial usage or suspicious activity and hence thought of calling their CC. It seems they are upgrading
The partners kept changing over the year until the program was finally absolved and only Smartbuy remained. But here’s a glimpse of some of the insane partners it had under the 10x hood at one or other point of time –
Shopping 🛍️:
Flipkart 🛒
Amazon 📦
Snapdeal 🛒
Lifestyle 🛍️
The Tax filing season is here. How do you plan to pay your taxes? Did you know you could pay them through credit cards and earn 5-16% reward points? Get them now👇
Since I have been feeling nostalgic off late and watched Kalki 2898 AD today, I couldn’t resist posting this. 📽️✨
As most of you movie buffs would know, this is an Indian science-fiction adventure that combines elements from Mahabharat, Star Wars, and possibly Mad Max (I haven’t
A nostalgic trip down memory lane. 🌟
***HDFC Diners Black Credit Card: A pale shade of what was the BAAP of all cards***
✨It offered an outstanding promotion - the much sought after 10X Reward Points Program without limits.🌟
Yes – you read that right. There were no limits to
🌟 Starbucks India has enhanced its loyalty program!
Here's what you need to know:
**More Payment Options**: You can now earn Stars by paying with cash, credit/debit cards, or UPI through the Starbucks app. Previously, only payments via the app were eligible.
People don't cover as much in 5 years as
@cards_wizard
has covered in 1 Europe trip. Follow him for some amazing and informative reports on Switzerland and now Netherlands/Holland.
🇳🇱 Picturesque towns of Holland!
A 🧵
Starting off with..
📍 Zaandam - Famous for it's testris shaped buildings!
🕹️ This place looks straight out of a video game!
Cont...
This post has so much great content and visuals that one can't read it in one sitting. And
@imYadav31
did this in a single trip! Itni energy kahaan se laate ho bhai?
That also answers why bookmarks are so high - padhte padhte thak gaye par Mann na bhara 🥳
Here is the thread on much awaited Bali Trip. Writing this thread took so much time. So if you enjoyed it don't forget to LIKE, REPOST and COMMENT ❤️
Grab your popcorns and enjoy the show 🍿🌄
***Account suspended***
It was all going fine, until one fine day (Covid times) when I suddenly received the dreaded email from Amazon regarding suspension of my account.
The email explicitly mentioned that their systems have detected that I bought the GVs from unauthorized
When Citi announced its retail banking closure in 2021 and was subsequently bought over by Axis in 2022, a supposedly non-HNI friendly bank, HSBC ran full page ads in National Dailies - asking HNIs served by Citi to move their banking to HSBC.
Iconic Slogan "Citi never sleeps"
Finally Citibank Sleeps in India 😴
✨A Citicard holder since 2007
✨Citicard was my First Credit Card
✨Lot of memorable moments
✨Uninstalled Citibank app today
✨As it stopped working
#CreditCard
#ccgeek
#Nostalgia
I am blown away looking at the rooms after being through the beautifully decorated restaurant and gallery area of Hotel Deyzor. Further surprised that it sells for under Rs 2.5k per night.
P.S. Not a sponsored post
🌟 Incredible Savings Alert! 🌟
Why pay more when you can enjoy luxury for less? 😍 Book with us and save ~50% compared to Smartbuy/MakeMyTrip + additonal perks (breakfast, refundable rates and US$100 property credit).
DM us now!
Ex: Sofitel Singapore Sentosa Resort & Spa
🧵
3/💡 Example: You spend ₹10,000, pay ₹5,000 by the due date, and think you're only paying interest on the remaining ₹5,000? Think again. Interest starts from the original ₹10,000, from Day 1. 🙄This is the single most important reason why credit cards can lead to a debt
***Credit Card Basics
#3
***
1/n
Did you know that timing your large purchases on the credit card right after the statement date can be financially savvy? Let's dive into why. 🕒💳
🧵
4/ 🚂 **Glacier Express**: Connecting Zermatt & St Moritz, this 'slowest express train' offers Panoramic views, gourmet meals, and the thrill of traversing 291 bridges & 91 tunnels.
#GlacierExpress
Pro Tip: Sit on the right side when going towards St. Moritz and vice versa.
Does anyone know the rationale for reducing duty on gold?
So far the motive was to discourage gold import and encourage investment in SGB. What has changed?
@deepakshenoy
I am thinking of a sinister motive, one that will save them ~400cr (not much but whatever) but I could be
Want me to write a similar thread on Japan - where to go? Where to stay - budget/mid-luxury options? Where to eat? What to budget for spends? Best time to go? How to commute internally?
I will do it for 100 ♥️ and 🔁
🇨🇭 **A Swiss Sojourn Beyond the Regular Path** 🇨🇭
1/ 🧳 While many flock to Lucerne & Interlaken, my Dec '23 Swiss escapade took me to the enchanting locales of Zermatt, St Moritz and more. Here's why they're the alpine jewels less-traveled🧵
#Switzerland
#TravelDiaries
Goibibo’s Crazy Discounts: 🌟Goibibo used to run crazy discounts on flights and hotels then and DCB’s 10X meant that I have stayed at a few 5* hotels for peanuts. 🙂🏨✨
Flipkart and Amazon Gold Coin Shenanigans: 💰I know of many who used (abused) Flipkart and Amazon by buying
I don't have any rent to pay. Just society maintenance, which I pay through Redgiraffe linked to Magnus Burgundy, as it still gives RPs up to 50k monthly spend on this category.
Any other cards which still reward rent?
Based on number of likes or RTs, I will do a thread on this.
@CAwhowrites
For rent up to 50k per month, Magnus and Magnus Burgundy both still give RPs. It is also counted for 1.5L threshold criteria for accelerated RPs. Incremental spend above 50k doesn't fetch any RPs nor does it get counted for threshold criteria.
NB: Ax-is charges 1% + GST for rent
***HDFC Bank***
- All Business credit cards of HDFC Bank give reward points on Government spends including income tax, GST etc.
- 🔥🔥🔥The best of the lot from HDFC is Diners Biz Black card – tough to get but not impossible.
@ankurmittal
has been writing in detail about this and
Completed the mattress run for both the paid stays to qualify for 2FN under this offer. 1FN already credited to my account; another on the way.
Great offer I must say - for a spend of Rs 5-7k each night, I got 2FN worth 35k pts each.
Hey Marriott - keep 'em coming.
Amazing targeted offer from Marriott! Haven't seen anyone talk about this yet - valid until July 31.
Get 1N free for each paid night (max 2), each worth 35k MB pts - Can stack additional 15k points to redeem for a higher category! ✨
#Marriott
#TravelOffer
@Skh27
You should argue with them to correct the total due to Rs 504 since GST on hotel tariff below Rs 7,500 is 12% and not 18% 😂
Bas Front Office Manager behosh na ho jaye!
***Conclusion***
What is the best strategy thus to pay for government transactions/taxes? In order of my preference –
1. HDFC Diners Biz Black card is by far the best offering a crazy 16.7% reward rate on tax payments as well as utility payments. Yet, it is tough to get.
2. Amex
Get that Amex Platinum Travel card now to earn ~7% on your insurance premium and NPS payments.
Apply using my referral link here -
DM me for a special offer when you apply through my link.
**American Express:**
- None of Amex credit cards give points on insurance spends except for occasional offers whereby they incentivize the same.
- Amex Platinum travel card, however, counts all kinds of spends including insurance for its milestone benefits, which by itself can
Day 4 in Turkey
Checked out of Sofitel today and drove to Ankara - stop over for us on the way to Cappadocia.
Funny bit is that we couldn't finish off the US$200 credit that we got at Sofitel over 3.5 days - Limited menu and even less vegetarian options and cheap prices.
**Conclusion**:
What is the best strategy to pay for insurance premiums? In order of my preference -
1. Load Amazon pay with as many GVs bought via accelerated reward platforms and pay the insurance premium from there. 💳💰
2. Amex Platinum travel yields 6-7% as these spends