Founder @TechnoFino | India's Leading Credit Card & Rewards Expert | Helping You Make Smarter Financial Decisions | Smarter Finance. Greater Rewards.

Kolkata, India
Joined August 2009
Indian highways won't let you drive legally even if you try. And the worst part? Stay around idiots on the road long enough, and the system forces you to become an idiot too. 💀 I’ve been driving on highways and expressways for years, and barely 10% of vehicles show basic civic sense: 🔴 Heavy trucks and dumpers permanently camp in the right-hand overtaking lane at 40 km/h. 🔴 Who is going to wait forever behind a truck that refuses to give way? Eventually, even rule-following drivers give up and start overtaking from the left just to keep moving. Look at the price we pay for this madness (Official MoRTH Data): 🚨 1.83+ Lakh Indians die on roads every year 🚨 502 deaths EVERY SINGLE DAY (21 every hour) 🚨 36.6% of all deaths happen on National Highways, despite being just 2% of our road network We pay first-world road taxes and sky-high FASTag tolls, only to get zero lane enforcement and zero common sense. Building 8-lane world-class expressways means nothing when the fast lane is a parking lot for trucks. Our roads aren't highways anymore... they are high-speed death traps. Be honest... do you still wait for trucks to give way, or have Indian roads forced you to overtake from the left too? #NHAI
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Jio’s proposed IPO is more than a telecom story. Affordable data changed how India consumes content, makes payments and runs businesses. The real question for investors: how does that scale translate into long-term business value, growth and valuation? #JioIPO
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🚨 URGENT: Amex is now HARD CANCELLING credit cards in India if you ignore Re-KYC reminders. 💳📉 This is NOT a temporary block. They are permanently closing entire accounts. (Yes, even exclusive Centurion Cards are getting axed over this!) If your card is closed for missing Re-KYC, you get hit with a strict 3-month cooling-off period. You cannot apply for ANY new Amex card during this time. 🚫 Why are people missing the warnings? The "1600 Number Trap." Amex and other banks use 1600-series numbers for service calls. Most of us assume it’s a telemarketer pushing a personal loan and let Truecaller block it, or we instantly hang up. How to save your card TODAY: 1️⃣ Search your email (and Spam/Promotions folder) for "Amex KYC". 2️⃣ Open the Amex app/portal and check for Re-KYC prompts. 3️⃣ Stop ignoring 1600 calls if your KYC is due. Don't lose your points and account history over a missed email. Retweet to save a friend's card! 👇🔄 #AmexIndia #CreditCards
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Apple users in India acting like Tim Cook just dropped classified alien tech on them with Apple Pay. 😭🛸 ​My guys, Samsung Pay has been working flawlessly with major Indian banks for almost a DECADE. I even used Apple Pay here years ago with my foreign cards, and Samsung STILL wins by a mile. ​Welcome to 2017, iBros. 🍏💳💀
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🚨 STOP making UPI payments for zero rewards! 🤯 What if you could earn up to 37.5% back on your daily UPI scans? 💸 The CUB SalarySe Level UP Card is dominating right now, and approval rates are INSANE! ⚡ Why you need it: ✅ Select the Virtual Card to make it LIFETIME FREE! ✅ 1% to 2% regular rewards on UPI, online, and offline spends ✅ Free Domestic Airport Lounge Access ✈️ 🤑 Want FREE MONEY? Get ₹250 CASHBACK on your first UPI transaction when you apply with the invite code! 🔗 Download SalarySe app from your app store! 🎟️ And use this Referral Code: TECHNOF8 #CreditCardIndia #TechnoFino #UPI #Cashback #FinanceHacks #CreditCards
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🚨 Amazon GIF + Flipkart BBD 2026 are both kicking off from 8 October. And this year, using the wrong card can easily cost you thousands. Amazon → SBI Credit + Debit Cards Flipkart → Axis + ICICI Credit + Debit Cards Up to 10% instant discount I’ve put together a simple festive sale card strategy: which cards to keep ready, when to use cashback cards, how to avoid wasting discount caps, and the mistakes that can kill your savings. If you’re planning to buy a phone, laptop, TV or anything expensive this sale, read this before checkout 👇 technofino.in/community/thre…
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How many subscriptions does one trader really need? ChatGPT, Claude, APIs, Algos, Screeners, Advanced charts, Live market data Use @DhanHQ, and you get it all in one place - most of it absolutely free.
🤝 Paid partnership
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One of the best decisions 👏
The introduction of MDR on large-value UPI transactions (i.e., above ₹2,000) is an important step towards strengthening the long-term sustainability of India’s digital payments ecosystem. It will help UPI in continuing to scale, innovate and serve consumers and businesses across the country. A fair and appropriate distribution of MDR across ecosystem participants will support continued investment in technology, infrastructure and acceptance networks. This, in turn, can enable wider UPI acceptance, deepen the customer base and support sustained growth in transaction volumes. Importantly, all UPI transactions - P2P and P2M - shall remain free for users. P2M UPI transactions below ₹2,000 will continue to remain free for merchants, while MDR may be levied on merchants for P2M . RBI remains committed to ensuring that UPI continues to be safe, seamless, affordable, and accessible, while supporting the long-term sustainability and growth of India’s world-class digital payments ecosystem.
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🔥 Kotak Cashback+ Credit Card is currently available LIFETIME FREE through a special application link! 🛒 5% on eligible online food/grocery 🎬 5% on online entertainment ⛽ 3% on fuel 💳 0.5% on other spends ⚠️ This looks like a loophole and can be patched anytime. 👉 Apply: bit.ly/KotakTFC 📸 Make sure the application page shows ₹0 joining + ₹0 annual fee before submitting. Disclaimer: I’m not responsible for any outcome from your application. Do your own research and apply at your own risk. Make sure you see the ₹0 + ₹0 offer before proceeding.
🤖 Made with AI
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It's live from 2024.... if you are not aware of it.... you just need to follow TechnoFino Community!
It's a hack found out by some. Change 3 numbers in the url and it becomes LTF. Otherwise it is chargeable. Kotak is lazy, not doing anything to fix it. 😂 Same trick is there for all their cards. Change the number and get any card LTF. This is the live hack happening now.
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India's credit card game is changing. 2026 has brought tighter lounge access, cashback caps, reward exclusions, lost transfer partners and new spending requirements for premium cards. But these aren't isolated devaluations. They point to a much bigger shift: banks are moving from card acquisition to wallet share and deeper banking relationships. We break down the correction in our latest TechnoFino article: The Great Indian Credit Card Correction: Why 2026 Changed the Game for Cardholders 👉 @TechnoFino 👇 technofino.in/community/thre… Which 2026 devaluation hurt you the most?
🤖 Made with AI
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Scapia just got a BIG upgrade. 👀 Want to travel like a pro, without spending like one? ✈️ The Scapia Co-branded Credit Card is now partnered with Axis Bank - India’s 3rd-largest private bank. And for a Lifetime Free card, the benefits are seriously impressive: 🌍 0% forex markup across 180+ countries ✈️ 20% rewards on stays, flights, buses, trains & experiences 🛋️ Unlimited domestic lounge access across 30+ airports 💳 10% rewards on every domestic transaction 💰 3-month No-Cost EMI on travel & store bookings 💳 5% rewards on RuPay spends ₹500+ + extra 5% 🔄 Mastercard + RuPay on the same credit line That’s basically Scapia Axis Bank credit card = travel smarter, earn more, and travel like a pro. And if you had applied for Scapia earlier and weren't approved, this is a good time to take another look. 👀 Travel hackers, this one deserves your attention. 🔥 Apply Now: apply.scapia.cards/landing_p…
🤝 Paid partnership
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Your HDFC Bank Infinia Credit Card might get cancelled by 31st October 2026. Yes, that is the message some Infinia card holders are now receiving from HDFC Bank. Reason? They failed to spend Rs 3 lakh in the transition period after HDFC introduced its new Infinia continuation rule linked to spends or relationship value. Context: HDFC Bank introduced a new rule for Infinia card holders that they need to spend Rs 18 lakh in a year to retain the card. To begin with, customers were asked to spend Rs 3 lakh in a short transition window to keep the card alive. Now, card holders who failed to meet that spend criteria are getting notices that their Infinia card will be cancelled by 31st October 2026. But this raises some very serious questions: 1. If the card was already renewed and the fee was already paid, why was the continuation of the card relationship later made conditional on fresh spends or relationship value? 2. Why should such a major eligibility change apply in the same card year instead of from the next renewal date? 3. If the customer does not agree with the revised continuation logic, where is the clean exit with refund logic for those who already paid the renewal fee? 4. And why should customers be pushed into a spend race just to keep alive a premium card that had already been renewed? This is the real issue. Not whether banks can change benefits or eligibility criteria. The real issue is whether a bank can renew a premium card, accept the renewal fee, and then later say: spend more now or maintain relationship value or get pushed out. That is exactly the kind of product change that deserves scrutiny from @HDFC_Bank and @RBI. If HDFC Bank had already renewed the card and accepted the fee, can it later say: "Now spend Rs 3 lakh in the transition period or maintain Rs 30 lakh relationship value, otherwise your Infinia relationship ends by 31st October 2026" That is the question many Infinia holders now want answered. Full thread on TF Community: technofino.in/community/thre…
🤖 Made with AI
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Sumanta Mandal retweeted
Most people will save less in BBD & Amazon GIF 2026 for one simple reason. They will chase the 10% banner. And ignore the cap, excl & eligibility That's where the real loss happens. One wrong card choice can cost you more than a card annual fee. Breakdown: technofino.in/community/thre…
🤖 Made with AI
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🇮🇳 Freedom. Unity. Progress. Proud to be a part of this incredible journey called India. May our nation continue to grow, prosper and inspire the world. ❤️🇮🇳 Happy Independence Day! Jai Hind! #IndependenceDay #HappyIndependenceDay
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How I saved ₹61,600 in just 60 days by ditching my petrol car🤯 (And helped cut India's import bill!) A few months ago, thanks to Government's "visionary" E20 fuel policy, my E20-capable Hyundai Venue’s mileage started dropping horribly, plummeting from a solid 17 kmpl down to a glorious 10 kmpl (measured tank-to-tank, not just relying on the MID). I strongly suspect it's more than just the E20 blend - it is highly likely heavily adulterated fuel at the pumps causing this massive drop. Either way, thanks for burning a hole in my pocket and forcing my hand to switch! 😂 In the last week of May, I bought a @Tataev TATA Nexon EV Creative 45. Two months and approximately 5,600 km later, here is the honest math (backed by my iRA app data): 🚗 Range & Efficiency: Consistently getting 300 to 380 km per full charge. My app stats show an incredible energy efficiency hovering between 116.0 to 120.0 Wh/km from June through early August, with driving scores hitting 8.0! 🔋 Charging Costs: I’ve spent a grand total of ₹5,000 on DC fast chargers. 🛠️ Maintenance: I have spent exactly ₹100 on car servicing till date. Yes, ₹100! ☀️ The Real Cheat Code: I have a 5.6KW On-Grid solar setup at home generating 20-25 units a day. I charge the car at home, and my electricity bill is virtually ZERO. By avoiding petrol at 10 kmpl for 5,600 kms, I saved ₹61,600 in just two months. Plus, I’m doing my small part to cut down India’s crude oil import dependency! 😂🇮🇳 Has it been 100% flawless? Almost! I did face one minor hiccup when the charging gun got stuck at the car port. Fortunately, thanks to YouTube, I figured out how to manually pull the emergency release knob from under the car to detach it. A minor EV learning curve, but absolutely no regrets! This whole experience highlights a bigger picture. The government needs to aggressively focus on solar plant installations across all public properties, offices, and schools. This brings me to the incredible work happening in West Bengal right now. CM Suvendu Adhikari ji is doing exactly this - working to ensure 81,000 schools have solar power systems installed. @SuvenduWB Sir is genuinely doing a tremendous job and working directly for the people. With this kind of forward-thinking leadership, I am highly optimistic that Sir will successfully transform our state into the business hub of East Asia. 📈 The future is electric, and the future is solar! ⚡☀️
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If you enjoy dining out, this is an interesting new launch. 🍽️ EazyDiner IndusInd Bank Platinum RuPay Credit Card ✅ Lifetime Free (No joining/annual fee) ✅ Extra 20% off (up to ₹500) on EazyDiner PayEazy, 3x every month 🎬 NEW: Buy 1 Get 1 movie ticket on BookMyShow (up to ₹200/month) 📲 RuPay = works with UPI too Potential annual value: ₹21,495 for those who actually use the benefits. Worth considering if you're already an EazyDiner user or dine out frequently. #CreditCards #RuPay #Dining
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🚨 6 MONTHS OF MERIDIAN PRIME - FREE! 🌍🔥 Just watched this Maldives + Dubai trip planning flow on Meridian and… RIP messy travel spreadsheets. 💀 ✈️ Track flights & award redemptions 💰 Split group expenses automatically 🤫 Keep your personal spends private 🗺️ Plan the entire trip in one place Want 6 months of Meridian Prime for FREE? 1️⃣ Comment 🌍 below 2️⃣ Download the app from the Play Store or App Store and register 3️⃣ DM me the email ID registered with Meridian I’ll get 6 months of Prime added to your account. 🚀 Watch the video first - this UI is seriously slick. 👇🔥
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SPAIN OWN THE WORLD. 🇪🇸🏆 20 shots to 2. Argentina couldn’t play football, so after losing they apparently decided to try boxing... throwing punches at Spanish players while Spain were celebrating. What an absolutely shameful ending from a bunch of classless sore losers. No dignity, no sportsmanship, no grace in defeat... just tantrums, reckless tackles and violence when reality finally hit them. Spain exposed the truth about Argentina’s entire World Cup journey: when the luck, favourable whistles and theatrics disappeared, there was almost nothing left. The better team won. Football won. Sportsmanship won. Goodbye, VARgentina. 👋😂
🚨🥊 Full scenes after final whistle. @MickyJnr__ 🎥
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