Personal Finance | Credit Cards | Airmiles & Hotel Loyalty | Investments & Wealth. talk more with us on https://xitter.cf/t.co/2tdVerfyvd

Joined February 2025
💳 Still waiting for that Credit Limit Enhancement or Card Upgrade on your HDFC Credit Card? 👀 You might be missing ONE simple trick most people ignore: 🛠️ Update Your Customer Profile on NetBanking! Here’s how ⬇️ ➡️ NetBanking > Top-right corner > Profile Details > Update Customer Profile 📍 Add your latest: 🔹 Salary Slip / Income details 🔹 Company Name (if salaried) 🔹 Business info (if self-employed) 📈 HDFC uses this to evaluate your creditworthiness for upgrades or CL bumps! 📆 After updating, check the app in a few weeks 👀 (Provided you’re using your card actively & meeting spend benchmarks 💸) 🧠 Most users forget this for YEARS — and wonder why they don’t get upgraded 😵‍💫 🚀 Don’t miss out. Update today = Level up your Credit Card game 💪 #CreditCards #HDFCCreditCard #CreditLimit #FinanceTips #CLUpgrade #SmartMoney @HDFC_Bank @HDFCBank_Cares @Credolite @AmazingCreditC @GoldDealsIndia @ccg33k @TravelBluez @CRED_club @SBICard_Connect @spendwiselyx @abhishekbakshi @cards_wizard @credofly @RewardsMaverick @rewardingspends @MagnifyClub @AmazingCreditC @nebula_world @iSatishAgarwal @spendwiselyx @pointspro @Savesage_club
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Is amex coming with air india card or some tech glitch? . . . same issue did surface in 2023 as well
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💡 How to turn 16,800 Etihad Miles into ₹11,000+ Accor hotel stays 🏨✨ Most people redeem Etihad Guest miles directly for Flipkart vouchers: ❌ 18,600 miles = ₹10,000 voucher Here is the higher-yield route: 🚀 1️⃣ Go to the Etihad Reward Shop and swap 16,800 miles for 10,000 Flipkart SuperCoins 🪙 2️⃣ Route them via Maximize at a 2:1 transfer ratio into 5,000 Accor ALL points 🔄 3️⃣ Value unlocked: 5,000 Accor points = €100 (~₹11,000+ INR toward luxury hotel bookings) 💶🛎️ ⚡ You burn 1,800 fewer miles and walk away with significantly more real-world value! 📈 📲For real-time reward strategies - Join the WhatsApp Channel: whatsapp.com/channel/0029Vaz… #CreditCards #EtihadGuest #AccorLiveLimitless #TravelHacks #CreditCardsIndia @Rushankjain @abhishekbakshi
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Such behavior is not accepted @Flipkart
xitter.cf/Neha03Agarwal/status/2… support me by retweeting and commenting so they feel the need to help me
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The festive sales are live, but sorting through thousands of products is exhausting. I have compiled and categorized all the deal cheat sheets across Amazon, Flipkart & Myntra into Google Drive spreadsheets. Bookmark this thread 🧵👇 📁 All Sheets Master Folder: drive.google.com/drive/folde… Amazon: Top Sheets & Tech 📦 Amazon Deals: Master & Tech Hub • Master Mega Sheet: drive.google.com/file/d/1oK8… • Deals Under ₹499: drive.google.com/file/d/1QpF… • Mobiles: drive.google.com/file/d/18A6… • Smart TVs: drive.google.com/file/d/1ee_… • Alexa Devices: drive.google.com/file/d/1eK1… • Electronics Hub: drive.google.com/file/d/1-SL… Amazon: Home, Lifestyle & Fashion 🏡 Amazon Deals: Home, Lifestyle & Beauty • Home & Kitchen Décor: drive.google.com/file/d/18uS… • Home Improvement: drive.google.com/file/d/1Ab2… • Travel Gear: drive.google.com/file/d/1xjB… • Fashion: drive.google.com/file/d/1KJa… • Beauty (Premium): drive.google.com/file/d/1eeK… • Beauty (Early Deals): drive.google.com/file/d/11SU… Amazon: Daily Essentials & Hobbies 🛒 Amazon Deals: Essentials, Baby & Hobbies • Grocery Deals: drive.google.com/file/d/1sX7… • Baby Products: drive.google.com/file/d/1sX7… • Health Care: drive.google.com/file/d/1PE_… • Toys & Games: drive.google.com/file/d/1SGv… • Books: drive.google.com/file/d/1_gS… Flipkart & Myntra -🛍️ Flipkart & Myntra Trackers Flipkart: • Part 1: drive.google.com/file/d/1fqN… • Part 2: drive.google.com/file/d/1wOg… • Part 3: drive.google.com/file/d/14ME… Myntra: • Curated Deals: drive.google.com/file/d/1-SL… 💡 Tip: Stack with instant bank card discounts & exchange offers for maximum savings. RT 💚and share with someone who is shopping in this sale! @Rushankjain @abhishekbakshi @amazonIN @Flipkart @myntra #Flipkart #Amazon #Myntra #Deals #creditcards
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Interesting Offer from ACCOR on Renewal - 5,000 Reward Points at Rs 19,500 (Old Cost) This is fantastic deal for someone thinking to take the membership. Cost of Membership = Rs 19,500 Back in Reward = 5,000 Accor point = Rs, 11,000 in value +Additional Rewards on CC Net Price = ~Rs 8,500 (for 2 BOGO Nights + Status) This is worth taking now with this offer. Check out your inbox for email from accor on renewal offer - it seems account specific!! Photo screen shot shared by one of our subscribers - by Aashish Goel
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CRED OFFer on paying HDFC Credit Card Bills - Get Rs 300 Amazon Voucher on paying full CC bill Note: Account Specific Double Dip: Use relevant DC to get points ;)
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Got your Kotak Air+ Credit Card under an LTF (Lifetime Free) or FYF offer? Don't forget to claim your free ₹500 brand voucher! 💳✨ Since Kotak Air+ is issued on the Visa Signature network, it qualifies for the Visa Welcome Offer powered by Poshvine. • Voucher Value: ₹500 • Options: Amazon Pay, Flipkart, Swiggy, or Zomato How to grab it: 1. You link your card to visa posh vine portal 2. Complete 1 transaction of ₹300+ on your card. 3. Wait 3–5 days for it to settle on VisaNet. 4. Head to the portal to claim: visarewards.poshvine.com/off… Same will apply for HSBC Live+ Credit Card as well who have taken this card recently. Given Infinite variant, you will get RS 750 voucher. @Rushankjain @abhishekbakshi
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Amazon Pay GV of 10,200 @ 9800 - 4%% off Link: amazn.lt/0KpWXHWS 1. Get Rs. 10,000 Amazon Pay Digital Gift Card at 9,800. Select Amount ₹10,000 > Apply 2% Off Coupon 2. Change variant and add Rs. 200 gift voucher and make total Rs.10k including discount 3. Collect Cashback Coupon of Rs. 200 cashback on Rs.10k (most important step) - amazn.lt/9jz011rI Net Benefit = Rs. 200 upfront discount + Rs 200 cashback post order + Rewards on your favorite credit cards !! Refer Reddit post for detailed step by step process - reddit.com/r/Raw_n_real_fina… @Rushankjain @abhishekbakshi
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rawandrealfinance retweeted
✈️ Share this with your friends & family travelling abroad! These 3 simple hacks can save you thousands of rupees: 📶 1. Free Internet Data (3 easy ways) instagram.com/reel/DaAZgL6tc… 💳 2. Get 20% Rewards on all Visa Cards (Credit & Debit) instagram.com/reel/DbKdS_pNj… 🏨 3. Free Hotel Stay Hack instagram.com/reel/DbH6ubToj… Don’t miss these before your next international trip! 🌍 @Visa @GigSky #TravelTips @abhishekbakshi @Rushankjain
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Axe Effect :P
Axis bank devaluation explained in few seconds! ❌☠️ Instagram is insane 😂
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Axis Atlas new ratio to ACCOR is under-whelming: New Ratio: 2 Edge Miles = 1 ACCOR (~2.2 Rs) Direct transfer of 30,000 EM will yield 15,000 ACCOR Points at new ratio. Another way to get better value is transferring same 30,000 to JAL at 1:2 ratio, make 30,000 EM into 60,000 JAL (Ensure you transfer in 10K tranches if you did 5K, then you will get reduced rate of transfer) From JAL you can move to ACCOR at 5:2 at higher tier, making this 24,000 ACCOR points Net gain: 9,000 extra Accor points! Stop transferring directly 💡 Pro Tip: One can wait for bonus on transfer, last time it was 20% higher points to ACCOR.
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Someone is definitely smoking at Axis: For Group A, now they have 18 partners but 2 lacs limit and Group B with 9 partners has 8 lacs limit (which has indigo and spice jet -where most ppl will buy revenue ticket or avoid travelling). Not Even sure if anyone has done redemption to orchid rewards and Post-Card with Axis points !!
🚨 Breaking: Axis Edge Rewards / Edge Miles Devaluation is here! 0. Accor is Back at 5:2 / 2:1 (Good news but half/quarter ratio) 1. ITC Hotels is not more a partner. 2. Follow Partners have now moved to Group A from Group B - Flying Blue - Qantas - Air India 3. New Miles Partner Added - Cathay (Asia Miles) in Group A at 5:2 / 2:1 - Lufthansa (Miles & More) in Group B at 5:4 / 1:2 - Hilton in Group B at 5:4 / 1:2 Burgundy Private gets to transfer to all partners at 5:4 including Accor !
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📏 The rule people get wrong: SkyTeam prices per sector. A connection = two awards. One-way only. Return = double. Budget accordingly before you transfer.
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👶 Secret hack for family travellers : Lap infants are flat rate (not a % of the fare): • Economy → 1,000 pts • Premium → 2,000 pts • Upper Class → 5,000 pts Most programmes charge a percentage. This is genuinely cheaper.
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🔖 Three numbers worth remembering: • 8,000 → AF/KLM Europe Business • 40,000 → Korean Air Seoul Business • 5:4 → Amex India’s new Virgin ratio Verify the live ratio on the Amex portal before transferring. Follow for more Indian points math 📷rawandrealfinance.com ·@rawandreal.finance Keep swiping. Keep saving. 📷🔥
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🇰🇷 Sweet spot #2: Korean Air Business Delhi–Seoul 40,000 Virgin Points And zero fuel surcharge - the part most people forget to check.
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🇪🇺 Sweet spot #3 (most underrated): 8,000 Virgin Points = Air France / KLM Business intra Europe Flying Blue charges 20,000 for the exact same seat. Same plane. Same cabin. <50% of the points.
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