The HSBC Premier Metal Credit Card 💳
Latest addition in the wallet with great looks and good quality metal 😍
This is the second Premier credit card in the family with Premier banking relationship. The first one is the PVC one.
Negotiated the 12k joining fees to waive it off
#DidYouKnow
You can redeem Axis Atlas Credit Card miles for Marriott Bonvoy points at ratio 2:3 instead of 2:1 😍
How?
Japan Airlines Mileage Bank allows you to redeem 4000 JAL miles to 3000 Marriott Bonvoy points. 🔥
➡️ Redeem Atlas miles to JAL miles and then redeem JAL
Finally, after 3 months of countless emails and phone calls, someone read the email properly, understood the case and took action. 🙏
One of the toughest chases I had in my personal banking experience over the last 15 years. 🥹
Do not solely rely on their systems; something is
#NewCardAlert
HS-BC is coming up with a new premium credit card comparable to Infinia and Prestige within 2-3 months with annual fees ~20k.
My take: Likely they will revamp the existing Premier MasterCard and will be open to all customers with paid version.
#CCGeek
Finally, I have my hands on one of the most aspirational Indian credit card of the previous decade. 🤩
✨Upgraded my 11-year-old Citi PremierMiles credit card to Citi Prestige.
All it took was a 5-minute call to Prestige helpline to convert to Prestige Visa Infinite and another
While everyone is busy redeeming their Accor and Marriott Bonvoy points, I redeemed IHG points for few nights on our upcoming 3 weeks Europe trip (visiting four countries). ☺️
Booked 5 IHG award nights at different cities at ~₹0.7 per point.
For some people this is not a very
Shifted to
@postpeapp
for my credit card bill payments and in one year the cashback amount is more than I ever earned on CR-ED which can be used for all types of bill payments on app itself.
So far so good. Cheers 🔥
Amex Platinum Travel Credit Card Tip:
Use this card little less than 4 lakhs in a card anniversary year.
Do the remaining spend to reach 4L in the following cases:
➡️ When you are near to card anniversary date.
➡️ When you need the bonus 25k milestone MR points to redeem.
➡️
Europe for 3 weeks 🥳
✨Partially sponsored by credit card points for two families (6 pax) 🤗
1. Miles transfer to Flying Blue timelines:
➡️ HDFC Infinia -> 61k miles: Instant
➡️ Axis Magnus, Reserve + Atlas -> 165k miles: within 24 hrs; transferred just 48 hours prior to Axis
Satisfaction at it’s peak 😌
✨Redeemed all 225k Axis Edge Rewards at 5:2 earned on Magnus & Reserve credit cards after Sep 2023.
Now no more pressure of getting Magnus Burgundy for 5:4 benefit. 😄🧘
“Life isn’t about value per point, it’s about moments.”
#CCGeek
The once in a lifetime card offers that still feels good when you recall.
What do you recall?
Let me first:
1️⃣ Sep-2017; LTF Amex MRCC card provided to salaried persons basis 12L min annual salary 🤩
2️⃣ Jan-2021; LTF upgrade to DCB/Infinia during card issuance ban on HDFC 🔥
#TripReport
Birthday celebration in Mussoorie during monsoon totally on credit card reward points 🌧️🥰
🏩Resort: Welcomhotel By ITC Hotels, The Savoy, Mussoorie
🛏️Room type: 2 x Premium Valley View Exclusive for two nights
💳Points spent: 24k ITC green points per night per
It’s coming.
HSBC ready to revamp its Premier Mastercard Credit card.
✨ 3 reward point per Rs 100
✨ New airline and hotel transfer partners; transfer at 1:1 ratio
✨ Unlimited international and domestic lounge access plus guests access too.
✨ Forex markup of 0.99%
#NewCardAlert
HS-BC is coming up with a new premium credit card comparable to Infinia and Prestige within 2-3 months with annual fees ~20k.
My take: Likely they will revamp the existing Premier MasterCard and will be open to all customers with paid version.
#CCGeek
After ditching Amex Plat Charge earlier this year and opting for Reserve I can say that Axis Reserve definitely has an edge over Amex Plat Charge.
Be it on reward earning or the soft benefits of Reserve, it had always been more valuable in the last 9 months.
Infact, my
Given the ongoing controversies and developments surrounding Axis, is it still prudent to maintain a Reserve in conjunction with Magnus, considering that FX transactions are on the higher side?
#RedemptionAlert
So that time of the year during the shoulder season of Aug-Sep, we do our once a year international trip.
After experiencing the royalty of Singapore Airlines Business class and Marriott hospitality on our Phuket trip in Aug 2022, we wanted to stick with
#DidYouKnow
✨You can save upto 16% on your fuel bills even if you do not hold the premium credit cards.
Here’s how👇
➡️ Axis bank Indian Oil Rupay Credit Card is being offered lifetime free which gives 20 Edge Rewards per ₹100 spent on IOCL fuel pumps (upto 1k ER on ₹5k
Satisfaction at it’s peak 😌
✨Redeemed all 225k Axis Edge Rewards at 5:2 earned on Magnus & Reserve credit cards after Sep 2023.
Now no more pressure of getting Magnus Burgundy for 5:4 benefit. 😄🧘
“Life isn’t about value per point, it’s about moments.”
#CCGeek
Am I the only one who value Ax-is Vistara Infinite only for the CV Gold membership and not for the milestone based free business class tickets (for every 2.5L spend) attached to it. 🤨😁
Sometimes you need to let go the value from the returns and instead focus on optimized
Will stop chasing Vistara vouchers (award or upgrade) when I shift from rented to leased accommodation.
That was the only scenario where these were worthwhile.
I will take regular reward points any day over these vouchers, which come with scant availability and are
When your 1% cashback limit on your usual credit card bill payment methods gets exhausted, do check out postpe.
Many credit card payment apps launched and became useless, but this no nonsense postpe app is still one of my favourite which provides real cashback instead of chips
Shifted to
@postpeapp
for my credit card bill payments and in one year the cashback amount is more than I ever earned on CR-ED which can be used for all types of bill payments on app itself.
So far so good. Cheers 🔥
Super impressed with the super quick credit card application service of HDFC Bank.
🔥Marriott Bonvoy Card application submission to card approval within 15 hrs.
Seems like some automated checks in place by the bank for application processing for existing customers as card
If Axis has a bad history of blocking reward accounts, they have a good history of reinstating the blocked accounts by giving them genuine proofs.
If you have a very high value transactions on Atlas, probably your account is blocked.
Submit proofs and call CC to raise a
If your wife uses Paytm wallet frequently for day to day transactions like my wife does 🥰 then loading their paytm wallet with credit card makes sense even with extra loading charges. 😇😜
➡️ Paytm runs offers frequently with which you get 1.5 - 2.5% cashback on every wallet
@FI_InvestIndia
Paying through NFC is more secure than swiping the card into POS as there is risk of card cloning with it.
The above suggestion is valid for debit card too.
✨Yes Bank offering Credit Limit Enhancement on their credit cards over IVR calls.
Received the call from Mumbai a couple of days ago to opt for CLE, and it got processed yesterday.
A few folks also got the call yesterday.
The limit was bumped from 9L to 10L on LTF Yes
HDFC gave LTF Infinia upgrade to almost all regalia/DCB holders back on 1-3 Jan 2021. Still Infinia has enough “exclusivity” today.
It’s on the bank to decide what are their target customers and how much benefits to put in their reward portfolio sustainably.
@SatanAtWink
It was milked a lot hence finally devalued
They were giving LTF Magnus recently to corporates, it was an indication that the party will end soon
For some people, credit cards are bad because they don’t know how to use them or they are still living with age old mindset. 🤦♂️
Just do optimal spending on a set of credit cards that suit your lifestyle and repay timely; these cards can sponsor your royal trip at least once a
@tejasghongadi
Tip: If you get return award ticket in single txn, you get charged with Rs 300 convenience fees per pax against Rs 600 in total for return when you book separately each leg per pax.
What a waste product with literally no extra benefit to the customer apart from increased ATM withdrawal debit card limit.
Got upgraded from Wealth Management banking programme to Wealth Select a few months back and am still scratching my head about what I have got extra. 😃
@ShreyAn28010641
@thetrickytrade
Here is the translation for you:
“Not only was I able to book Bangkok to Pune via Delhi 8 hours from departure last night, in Premium Economy cabin in Vistara by redeeming air Vistara 35000 CV points (points accumulated on air vistara frequent flyer program thru various means)
2/ I discovered that the guest room is ideal for a home theatre, located at the opposite end and away from the other bedrooms.
For soundproofing, I used four inches of rockwool, layered with MDF and foam, across all four walls, creating a total thickness of six inches all over.
This August, seeing a lot of
#CCGeek
folks losing their
@X
bluetick and have not renewed till now, including me. 😁
After completing Magnus milestone for the last time in Aug 2023, which card will you be using now for renewal?
4/ My 7y old daughter reserved the upper shelf for her toys and Lego. 🧸🚂🤗
Desk setup is inspired by
@thetrickytrade
impressive desk arrangement. Thanks Jay.🍻
Thanks to anyone who recommended the BenQ Halo, got it today. ✅
Looks and feels absolutely premium. 👌
Does it do any good? Only time will tell but what I didn’t know was that it had an ambient light on the rear side too.
@avishek_g
@Vinamralongani
Seat is a basic necessity and you will get it anyway on auto assign.
Preferred seat is not a basic necessity and you may have to pay for it.
@3vikramk
@satishckp
Hilton, Marriott, Radisson, Hertz - Yes to all.
Epicure, birthday Taj voucher - Only Primary
Priority pass - Primary and 1 supp.
Amex lounge - to all cardholders plus 1 (or 2 at few lounges) guests and 1 child with each cardholder.
Magnus Burgundy waalon - How's the Josh?
Less than 6 months into giving major banking business to Axis Bank, they gave such a gift to their Premium Customers.
Happy that I did not move my Banking from HDFC to Axis. Only a matter a time before Axis Cards are closed down.
Club ITC Green Points Redemption Update:
Effective 1st June 2024, only 10k ITC Green points can be converted to Marriott Bonvoy per quarter.
10k ITC Green Points = 15k Marriott Bonvoy Points.
Terms here:
#CCGeek
Sometimes it’s better to pay in foreign currency rather than in INR.
On international websites, DCC would be 1% + GST when paying in INR and Axis Reserve charges 1.5% + GST when paying in USD and 2x rewards.
So effectively paying 0.59% extra fetches double reward points. 😍
@naggymoodles
@Adymanav
The best way to avoid such non sense things is to take connecting flight from a third country (eg. SIN, KUL) when travelling to or fro from Thailand. Sometimes it saves money too.
@Skh27
I pay usually on the statement generation date for all my cards through postpe and hdfc platinum debit and they gives me 1750 cashback monthly. The payments gets credited in 4-5 working days.
@iSatishAgarwal
100% it’s a no nonsense card.
Got this couple of yrs ago as LTF and getting Rs 1000 cashback every month is super sweet (spending Rs 10000 per month on eligible categories).
Feels good meeting up with guys I have been conversing to over Spaces, tweets!
Tried to see if I remember everybody by names or not & was successful.
@jhemlani
&
@amolbhure
joined in from AMD & BLR on the Delhi Trip.
Couldnt Tag 2 guys in the image
@heymohit
&
@GurparitSingh
@tejasghongadi
Not everyone is going to transfer the points for airmiles. There is a very very small community who want to travel J or F and knows the true potential of miles. Many will convert (even high spenders) the points for vouchers or gifts till they are in their learning stage.
@Vinamralongani
@AmexIndia
@DelhiAirport
Forget Platinum holders, I have seen even a Centurion holder was denied to access the DEL lounge citing reason the lounge was too full.
Space is a big issue here.
@praaatiiik
Just these (in screenshot), all 4k plans for my 10.1 Auro-3D home theatre setup.
Airtel Xstream Play Premium (not 4k) provided by postpaid plan with rubbish interface and not cared to install the app.
5/ Audio
I have evaluated more than 20 premium brands to find the optimal acoustics for a small room, ultimately shortlisting “Ascendo” and “Monitor Audio” to suit my requirements with Denon as amplifier and Marantz as pre-out (converting a setup of 9.1 to 11.1 channel).
If you use multiple debit and credit cards online, ‘1Password’ is the app to store all the card details.
Best part: It stores all details locally within a vault that can backed up in dropbox in encrypted format only. 👏
Bad part: This app has been moved from a one-time
🚨NEW FEATURE ALERT
🤌Axis Bank has added an option to see Credit Card details in its mobile app.
😍Now no need to take out the card from the wallet for online shopping
9/ Credit Cards,
I began gathering materials early last year (during the Magnus era 😄), utilizing three primary Magnus credit cards within my family over four months, resulting in my earning over 4 lacs Axis Edge Rewards which I utilized during my recent Europe trip. 😱🥰
Europe for 3 weeks 🥳
✨Partially sponsored by credit card points for two families (6 pax) 🤗
1. Miles transfer to Flying Blue timelines:
➡️ HDFC Infinia -> 61k miles: Instant
➡️ Axis Magnus, Reserve + Atlas -> 165k miles: within 24 hrs; transferred just 48 hours prior to Axis
@cards_addict
Recently I have purchased
#SeaStar
thru shoppers shop. Had to import it as I preordered it.
Used vouchers purchased at 10x. Got 53k edge rewards. 😍
For some people, credit cards are bad because they don’t know how to use them or they are still living with age old mindset. 🤦♂️
Just do optimal spending on a set of credit cards that suit your lifestyle and repay timely; these cards can sponsor your royal trip at least once a
🚨Breaking
Club ITC points transfer now live on SmartBuy Portal
I currently use Diners Club Black credit card. This is game changer for transfer of points from HDFC to Bonvoy!