CA. Writing about my own experiences with personal finance, credit cards, travel, and a little lifestyle.
Bengaluru & Delhi
Joined September 2021
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Krisflyer Spontaneous escape for November is now live.
30% off Saver award rates to selected destinations across the Singapore Airlines network.
15% off Economy Saver award tickets on selected Scoot flights. @SingaporeAir
About 15 months stash...3 EMT vouchers so far...yet to use Taj Epicure night...great option when need revenue flights
The family behind your free airport lounge coffee also has a business distributing Marlboro cigarettes. 🤯☕🚬
32% of Encalm is owned by BBM Travel Retail, part of the Bommidala Group from Guntur — a family business with roots in tobacco dating back to 1920.
They're also involved in distributing Philip Morris products, including Marlboro, to duty-free shops across the Indian subcontinent.
Another 51% of Encalm belongs to a subsidiary of Dubai-based Gateway Fund.
So you walk past the duty-free cigarettes, swipe your card for lounge access…
…and discover that the businesses behind both are connected through the same family. 👀
HDFC logic: ₹5,000 limit for a ₹3,600 fee card. 🤡🤡
That's 72% of my limit paid upfront. CIBIL utilization would be cooked. 🤯
A Marriott buffet alone would max it out.
And I was planning to earn 2,40,000 points on this? 🫠
@ccg33k Any workaround?
HDFC Marriott Bonvoy offer was too good to resist.
So I broke my own rule: Never hold more than 4 cards. 😅
Applied for 5 cards across the family.
₹18,000 in fees → 2,40,000 Marriott Bonvoy points🤞
And the craziest part?
All 5 got approved instantly. 🤯 Thanks @ccg33k
