Fora Pro travel Advisor. Credit card points, airmiles, and hotel loyalty program enthusiast. Sharing tips & tricks to maximize rewards β’ Subscribe for $2 ‴οΈ
India
Joined October 2008
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π¨ Pay credit card bills at Re 1 per SC
With the SC bonus transfer offers many are asking where to transfer
There is no point in SAS/Avios unless one has a specific redemption in mind
Accor and ITC arenβt good options. ITC can be atleast considered if green points redemption is attractive.
β
Best option is to pay CC bills with SC for 5% value of CC bill at Re 1 if not having a specific goal in mind
π¨ Pay credit card bills with SBI debit card points!
SBI Rewardz had previously stopped this but now we have an option!
Via GoSats app π
0.5% payment via SuperCoins
Transfer Rewardz point to SuperCoin voucher
π¨ Loan against securities is a boon in markets like now
I initially posted about LAS in March 2026
Instant access to money, and one can invest when the market goes down.
Bought in the last couple of days and hope market falls more! π
β οΈ Not investment advice.
π¨ Loan against securities is a great product!
Got a 9.5% interest rate for ICICI LAS product with a low processing fee and no foreclosure fees π
This is an OD loan, and you're charged interest only on the amount you use. So don't compare it with a personal loan.
Money comes instantly!
But the best part is our investments are not disturbed and any corporate actions (dividends, bonus/split, etc) still come to us π
Any doubts? Comment
Are USB port sockets worth it?
How is the long term reliability of these sockets?
Ours is Legrand and is it ok to charge phones and laptops?
How has been your experience?
π¨ Flipkart SuperCoins to ITC at 1:1 ratio!
A new addition at 1:1 till November 8: ITC! π
Remember that ITC is no longer with Axis so this becomes one way to earn ITC points.
That said I prefer to still transfer to Avios only.
ITC gives Re 1 but we can aim for better value with Avios particularly for premium cabins
π¨ Rent pay with RG is back! - But not the way it was
Fees are now 2.95%, which is steep compared 0.58% that we paid before
There are other ways to pay rent cheaper, and what should we do with the cashback points? Buy vouchers with 5% discount?
We still use Rentenpe
With the Pro Pass it drops to less than 2%
xitter.cf/PointsPro/status/20620β¦
π¨ Rent paying experience with RentenPe
Ever since the end of RG, was looking for a way to pay rent with credit card.
RentenPe does this and I have done two payments through them.
Here is my experience π
πΈ Fees:
They charge a hefty 2.7% fees (2.25+GST)
Plus banks have restrictions (extra 1.2% fees or no rewards, etc)
πΈ Which card?
These two make sense:
1οΈβ£ M4B (4.8% rewards and 14% on AEP)
2οΈβ£ Premier (3% rewards but 6.6% on Accor and possibly bonus transfer)
Both Axis and HSBC charge 1.2% extra fees so we would barely come out ahead.
You can DYOR for other cards (where we get milestones or there is a spend based offer etc)
πΈ Pro Pass:
There are two passes and after the charges you pay, the fees drops to ~1.9% onwards
So would recommend getting the pro pass.
πΈ Checks
They actually did a physical verification for the house! And of course need a valid rent agreement, PAN number, etc.
Even after the fees, it makes sense if you have the right card. π
Use my referral code: Fe5kNT if you wish to sign up.
π¨ Transfer between Avios partners is instant
Best transfer ratio is on Finnair (HDFC and Flipkart) but mostly Qatar or BA would have the best redemption
All details (name, contact details) should match
Transfer to/from Qatar is via BA
β οΈ We may have to use VPN otherwise it doesnβt work normally
π¨ Redeem Accor points for F1 Abu Dhabi hospitality seats
Posted for subscribers before and now the last package is available.
These are ways to get more than Rs 2.2 value per point. π
Hospitality seats at arguably the best place on the circuit.
Don't miss this if you are an F1 and Accor fan!
limitlessexperiences.accor.cβ¦
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π¨ Amex to Accor in 4:1 ratio - good value?
I think we should stop seeing everything through an Accor lens
Why settle for bad ratios?
β Axis to Accor via JAL
β Amex to Accor via SC
This Accor boat has sailed
Try for a HSBC card if Accor is important π
π¨ Avios transfer is instant
SC to Avios via Finnair is now instant!
Just did a trail before moving the whole lot #iΜ’ΜΜΜΜΜΜ£ΜΜΜ©Μ©Μ€ΜΜΜΏΜΜΜΎΝΜΏΜΜΜΝΜΜΜΜΜΜΜΜ
ΜΜΜΜΜΜΜΜΜΜΜ
π¨ MaxCoins to SuperCoins!
Another way to get SCs!
50 MCs = 56 SCs
Initially transferred from SC only (via Uber rides)
Now we get 12% more SC and 60% more Avios due to the bonus now π
π¨ Get air miles for paying credit card bills!
SBI Rewardz is having Supercoins vouchers which is redeemable 4:1 (standard ratio)
Checked now they they donβt have Apay but only ASV vouchers so this is a great way to redeem
Going to convert to Avios to the max possible! π€©
