The most innovative 12 course meal I’ve ever had - Masque in Mumbai. Definitely worth the hype. Cherry on top is the hospitality. They custom made a credit card for me, and gave us some amazing champagne. Pricing is steep for their new menu at 10.5k per head, but worth the experience. Swiped my Premier for 6.5% back on Accor :P

Just because I’ve decided to post a little more proactively, is that a crime? And who exactly are you to decide where I can and can’t post? Nobody here is talking about greatness. I was literally responding to a childish hater who kept twisting my words. Why you or anyone else would take that so personally is beyond me. Unless, of course, there’s a fragile ego involved. The irony of writing an entire post lecturing me about supposedly lecturing people is hilarious. Bhai, you can disagree with me all you want. But the truth is, I don’t even know who you are, and you certainly know nothing about me beyond the manufactured idea of me you’ve somehow created in your head. Ps- at least tag me if you want to talk about me 😂

You can disagree with my narrative all you want. But don’t twist what I said into something I never said just to manufacture a disagreement. Which, unsurprisingly, you’re doing AGAIN. Conveniently bringing up something from TWO YEARS AGO 😂😂 Love the maturity level for a grown-ass man. And what exactly constitutes “stealing content”? 95% of Twitter is one person posting something and everyone else conveniently posting the exact same information. Is it only stealing when the information moves from one platform to another? 😂 As for the snowball effect, you have absolutely NO IDEA about the quantum of audience outside your little Twitter bubble that’s been introduced to credit cards and reward optimization through Instagram over the last 3 years. I’ve literally been on calls with the Amex team where they’ve told me how optimized redemptions and applications for the MRCC and Platinum Travel skyrocketed due to my classes. I tipped the first domino by educating lakhs of people through my content and classes, and their MGM program did the rest through the network effect. But you have ZERO exposure to what happens outside Twitter to even comprehend the scale of that impact. Go back to your capsule in Khandala and stay ignorant. And if you’ve got the balls, come disagree with an ACTUAL point I’ve made instead of some twisted version you’ve conveniently manufactured in your toxic head. Disagreeing is perfectly fine. Deliberately misrepresenting someone just so you can argue with them is pathetic.

Every time I post something, this guy somehow manages to come up with a completely different narrative just to contradict me. Where exactly did I say people should get this card to network with UHNIs? I literally said this is a card FOR UHNIs, who would actually appreciate benefits like a concierge service or access to The Quorum. This isn’t even the first time he’s twisted something I’ve said, taken it completely out of context, and made an entire post arguing against a point I never made. I genuinely have no idea what this guy has against me. I can understand this behaviour coming from a 21-year-old kid desperately trying to make a point. But this is a grown-ass man. 😂 At least disagree with something I actually said.

The new JW Marriott Costa Rica Elena Resort is an all inclusive resort. Seems like great value for 5n. Almost 1Re value and all inclusive. No extra resort fee and stuff I guess. Need to do a bit more research on the inclusions, but it looks exciting.

Well, don’t need a UPI card anymore. Guess which card I used to load :P

When I saw the abysmal 6:1 IndiGo BluChip to Accor transfer ratio, I thought, “Well, at least they’ve left plenty of room for a transfer bonus.” Little did I know they’d launch one this soon… IN THE WRONG DIRECTION. 😭 we want bonuses to get our BluChips OUT, not more points IN! 💀

While people shit on the ICICI 1838 Reserve, I think we’ve tunnel-visioned so hard into reward rates that we’ve forgotten to step back and see what this card actually offers. I won’t lie, when I first saw the benefits, I thought charging ₹2 lakh as an annual fee was a joke. But after diving deeper, I realised that for the audience they’re going after, this card actually makes a lot of sense. And it’s not about the villa stay or the free haircuts at Truefitt & Hill. It’s mainly three things. 1. Full-access Quorum Club membership with your spouse. This membership alone costs ₹4–6 lakh, and you also get access to their network of 280+ private clubs worldwide. I’ve spoken to several luxury lifestyle concierge brands, and the demand among HNIs for these exclusive private clubs is only increasing. Places to work out of, network, host people, attend events, dine, etc. 2. A full-fledged lifestyle manager through Crib Life. Essentially, a dedicated concierge who can help you get things done, arrange experiences, and manage lifestyle requests. I’ve used Crib Life through my Times Black card, and they’ve actually been excellent. 3. The Visa Infinite Privilege business-class benefit. 50% off your second business-class ticket, up to ₹50,000, every quarter. For someone who regularly travels business class with their partner, using this benefit even twice a year across separate quarters could mean ₹1 lakh in savings. I genuinely think there was a gap in the UHNI market for a card that offers access to closed doors and a proper lifestyle concierge. So, will I be getting it? Firstly, I’m not a UHNI. But if I lived in or around Worli or Lower Parel, close to The Quorum in Mumbai, I would have definitely gotten this card for at least one year. Just for the networking, enjoying the club, and exploring the private club access around the world. My verdict? If you’re wealthy and live close to a Quorum, I genuinely think this card is a no-brainer. But if you don’t value the Quorum membership, it becomes really, really hard to justify the annual fee. P.S. This is NOT an ad. I just think most people have tunnel-visioned into treating credit cards solely as reward point-generating machines. But if you actually look into what something like The Quorum Club offers, you’ll understand why exclusivity can sometimes be worth it.

Scapia referrals

Fun Diwali Party hosted by Dharma Productions. :) insane feeling when celebrities come up to you telling you they love your content.

A tasteful evening, an amazing 8 course meal, and some bubbly . Cathay Pacific leading from the front with some great hospitality to celebrate 80 years Cathay Pacific in the sky. Been working with them for 2y now, India is a huge market for them!

Just took my Apple Pay virginity

I think a lot of Indian businesses misunderstand the economics of accepting credit cards. They see the 2% MDR as a cost. But what about the additional sales it enables? Imagine you have ₹50,000 in your bank account and walk into a store to buy a ₹60,000 phone. Cash/debit only? You walk out. Credit card or EMI? You’re suddenly a potential customer. And this works in two ways: Choice: Someone who earlier couldn’t afford the purchase today now has another way to pay. An otherwise disqualified customer becomes a potential buyer. Psychology: It’s behaviorally proven that cards reduce the immediate “pain of paying”, something that broadly holds true with frictionless digital payments too. This applies to electronics, furniture, jewellery, travel, appliances and so much more. Yes, the merchant may lose 2% to MDR. But saving 2% on a sale you never made isn’t really saving money. The sooner more Indian businesses start thinking about MDR in terms of the additional business it can enable, the fewer situations we’ll hopefully have where local vendors try to push that MDR back onto the customer. And no, I’m not advocating taking on debt or spending beyond your means. I’m looking at this purely from the merchant’s perspective.

If you don’t know what to do with those 5-10L m4b points stuck in group B. Consider going to Maldives. Use Miles & More for flights, and IHG / Hilton for some experiential stays. Overall you can probably net 70 paise value per airmile / hotel point and still burn through about 5L points and finish off that stash 😛

I don’t even think the new axis changes are that bad for Atlas. Killed m4b for sure. If Axis opens up Atlas again for the general public it’ll literally be the #1 mid range travel card still.

If you’re genuinely a frequent Business Class flyer, keeping it simple and using your points on SmartBuy or iShop can be a lot more valuable than complex points redemptions. Here’s an example: Malaysia Airlines A330 Business Class for ~₹70K round trip. The typical one-way fare? Also ₹70K, actually even higher than RT in this case. Yes, it’s common sense that round-trip fares are usually cheaper in general. But with Business Class, that difference can be massive. When I posted about using iShop for this Malaysia flight, or booking ANA Business Class round trip for ~₹1.5L using SmartBuy, CC influencers called these “basic redemptions” and said I didn’t know what I was doing. Well, sometimes common sense isn’t so common. Most flashy redemptions online show ₹4–5/point by comparing against inflated one-way Business Class fares. I’ve done it too, and it can make sense if you genuinely need a one-way or just want to experience the cabin. But if you actually fly Business Class frequently, don’t undersell SmartBuy or iShop. The flexibility + discounted round-trip fares can sometimes make the simplest redemption the most valuable one.

The game has changed and travel cards for low to mid spenders are a waste. New YT video is out explaining how you should plan your Credit Card Strategy going into 2027! Watch it now and show some love! youtu.be/KC1lJnAuXLo?si=iVwO…

Can confirm - the hate is real. But two years on IG made me more money than most people do in their lifetime, and definitely more than X creators do in 10y of making credit card content. It’s disproportionate af. I’m all for multi channel distribution.

15,000 for this the original Apple iPhone Duo Kickstand Case. 15k for a phone case. Inflation is real.