
๐๏ธ I Cybersec๐ป I Cricket๐ | Investor ๐ | FPLโฝ๏ธ I Traveller ๐ฉ๐ I #ccgeek ๐ณ I Arsenalโค๏ธ I Views my own I DM for collab๐ค ๐ฒDM to Book VIP stays with Perks
India That is Bharat
Joined May 2010
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Double Qsuite on points โจ
A private cabin in the sky. One of the world's finest Business Class experiences today. ๐ค
BOM โก๏ธ NBO (via DOH)
This Masai Mara trip turns out to be my biggest redemption journey yet, combining my biggest hotel redemption and now my biggest flight redemption, all in a single trip.
Redemptions like these are exactly why I started SmartSpendCode.
Stay tuned. I'll be sharing the complete redemption details, points used, taxes paid, and upgrade strategy that worked ๐
๐ TopCashback turns 15 with MEGA extra cashback offers!
๐ฅ Klook: Up to 22%
โ๏ธ Trip com | ๐จ Expedia | ๐๏ธ Viator | ๐จ IHG: Up to 15%
๐ธ PLUS, get an extra โน1,500 Amazon Pay voucher from me!
โณ Sign up before 31st Oct ๐
tinyurl.com/SignUpTopCashBacโฆ
โ
Complete $10 cashback in payable mode within 180 days
๐ฒ DM your username once done.
TopCashback = REAL cashback on purchases you're already making online. Don't miss out! ๐ฏ
Etihad Guest miles to ITC / Accor points could be a great option now via Maximize! ๐
I'd used my Etihad Gold vouchers to buy 6,000 Flipkart SuperCoins, which can now translate into 4,200 ITC / Accor value or 4,200 Avios.
๐ณ The BOB Etihad Guest Premium Credit Card is still offering up to 15K bonus miles if you apply before 15th November.
๐ Apply here: tinyurl.com/BOBEtihadGuest
Great joining benefits and a simple way to build your Etihad miles balance for opportunities like these. โ๏ธ
Arijit Singh ๐โค๏ธ
For the first time ever, over 15 artists across multiple stages, coming together for one extraordinary day.
Don't miss your chance to be part of UNIFYD!
20 March 2027 | Etihad Live, Abu Dhabi, UAE
Download the District app to book your tickets!
#UNIFYD #MusicFestival #ArijitSingh #KaranAujla #SonuNigam
๐จ Times Black cardholders, check your app!
2 complimentary Truefitt & Hill vouchers have now been activated if you enrolled in and completed the September spend offer. ๐
๐
Codes valid till January 2027.
This will be my 5th Truefitt & Hill voucher with this card. ๐
The 1838 card gives you 4 such vouchers after charging you โน2L in annual fees ๐
Times Black keeps delivering! ๐
โฐ Times Black cardholders, don't forget to enroll for the September offer!
Complete โน1L spends in September and you get:
๐ 2 complimentary Truefitt & Hill Royal Signature vouchers
๐ฐ Worth โน6,200
That's an additional 6.2% value on top of the regular 2% rewards, decent offer to complete your spends.
if you're planning your advance tax payments, these spends can count towards both your milestone and base rewards.
โ ๏ธ One important catch:
Tax rewards are capped at 5,000 points, so โน2.5L is the maximum tax spend I'd consider for rewards.
If you have a Times Black, enroll first and then complete the โน1L September spend. ๐
2% return in Accor on UPI spends is pretty decent! ๐
Glad I opted for the RuPay variant, I've shifted all my UPI spends from Scapia and Tata Neu to Kotak Air+.
First Year Free offer is still available. Apply ๐
๐ tinyurl.com/KotakAirPlusFYF
My first ever Kotak credit card is here! ๐
Been with Kotak Bank for 10+ years, but never really liked their CC portfolio until Kotak Air+ showed up on my app with a FYF offer.
๐ FYF: tinyurl.com/KotakAirPlusFYF
The biggest attraction for me is the Accor & Qatar transfer partners, especially after Axis removed both. They're also with HSBC, but I can't really rely on HSBC given how they operate. ๐
It's a decent 2% base reward card, with:
๐ฏ 5,000 miles on โน1.5L quarterly spends
โ๏ธ 5% via Kotak Unbox on flights, hotels and vouchers
๐ Gift cards and gold aren't excluded as of now
๐จ 1 mile = โน1 on flights and hotels
๐ 2:1 for transfer partners
Went with the RuPay variant since there are no miles on forex spends, so Visa or Mastercard didn't make much sense. RuPay also gets some occasional offers.
There's also a glitch currently allowing you to apply for the card as LTF:
๐ tinyurl.com/KotakAirPlus-LTF
Apply for LTF at your own risk though. The bank can roll this back anytime.
You get 2,500 miles on renewal against the โน3K fee, which is almost full value back if transferred to Accor.
Spend โน4L in the first year and the next year's fee is waived anyway.
So the current FYF offer makes this a good 2 year card.
Definitely an interesting addition, are you applying?๐
Nana Patekar was one of the finest actors the industry has ever seen, and perhaps ever will.
A huge loss. One of my absolute favourites. ๐
What always stood out to me was not just his incredible work on screen, but the way he lived his life away from the limelight. The work he did for farmers and society, actually being on the ground is something truly admirable.
A rare talent, an even rarer human being.
Om Shanti. ๐
"I was chanting Hanuman Chalisa at that time" - Capt Smit
เคคเฅเคฎ เคฐเคเฅเคทเค เคเคพเคนเฅ เคเฅ เคกเคฐเคจเคพ ๐
Jai Hanuman! ๐ฉ โ at Kurseong, India
๐ Taj Chia Kutir, Darjeeling
Amazing property and what a beautiful time to be here. โค๏ธ
Another โน1.5L+ Taj trip at almost zero cash outflow. ๐
Apparently, credit cards are for losers who plan and execute a random 2 night getaway from Mumbai to Darjeeling a few days in advance. ๐
And somehow that random thought turned into this โคต๏ธ
๐๏ธ 1 night voucher via Scapia
๐๏ธ 1 night voucher via EPM Epicure
โ๏ธ To and fro flights for 2 booked using EPM points
โฌ๏ธ Base room upgraded to Luxury Valley View
๐ณ All add ons and transfers settled through Amex vouchers
Bhagwan credit cards se door rakhe winners ko ๐
Sagar Paleja ๐ฎ๐ณ retweeted
Captain Smit Machchhar is a HERO.
In the face of the gravest danger and despite being seriously injured, he showed immense courage and an unwavering resolve to protect the lives of others.
His valour helped save hundreds of lives and avert a great tragedy.
India is proud of Captain Machchhar.
Praying for his speedy recovery, renewed strength and good health.
Sagar Paleja ๐ฎ๐ณ retweeted
My salute to the Indian pilot Captain Smit Machchhar for his extraordinary bravery.
Despite being stabbed and seriously injured, he fought back, resisted, opened the cockpit door, and enabled passengers and crew to overpower the attacker โ preventing a catastrophic mid-air disaster.
He saved the lives of 174 people, including Israeli citizens and other nationals.
I wish Captain Machchhar a speedy and full recovery.
He is a true hero.
Prayers for Indian captain Smit Machchar ๐ฎ๐ณ๐
๐ฎ๐ณ This is the Indian captain Smit Machchar who valiantly fought off the terrorist co-pilot attacker, who suddenly stabbed him allegedly to hijack and crash the plane full of Israelis.
๐ Let's all pray for Captain Smit's speedy recovery. Look at him - he's such a gentleman that he's requesting passengers to be kind and treat all airline crew well.
Got so many DMs on my HSBC tweet that I was honestly surprised to see how many bonus points were stuck. ๐ณ
Now I'm getting replies from the same people saying their bonus has finally been credited.
Love reading these DMs. โค๏ธ Glad I could help.
If you're following me and your HSBC Accor bonus is still stuck, DM me. ๐
HSBC finally manually credited 50K Accor points, including the bonus, after I escalated the issue mentioned below.
So the Accor issue is sorted. โ
The June DC cashback issue is still unresolved though.
HSBC continues to be unpredictable. ๐
If you're facing a similar issue, raise it with the bank and keep escalating.
DM if you're stuck or have any doubts
Had attended Backstage Siblings event earlier this year in Mumbai and absolutely loved the experienceโค๏ธ
Love seeing this format getting attention among the youth/genz, and great to see Modiji promoting it now.
In an era of cheap SM and Ai taking over so much of our attention, we need more spaces where the younger generation can connect with spirituality, our roots and culture in a way that feels natural, fun and relevant to them.
Showed this perfect Pav Bhaji by @sftmumbai to my better half yesterday. She tried her best and honestly did pretty wellโฆ but obviously still not as perfect as yours, sir ๐
โค๏ธ Oberoi FAM trip was something special.
Learned so much along with @asktarunn and @TravelBluez , and this lunch at NAAR was definitely one of the highlights. The courses just kept coming, the conversation kept flowing, and the company was even better. ๐
Amazing experience with an even better bunch of people. ๐
๐จ Another Axis major devaluation alert
Looks like we finally have the complete picture. ๐
โ ITC removed completely
โ
Qatar Airways + Accor are back
โข Magnus Burgundy: 5:2 โข Private: 5:4
โ Lufthansa Miles & More added
โข Group B: 5:4
โ Cathay Pacific added
โข Group A: 5:2
โ Hilton added
โข Group B: 5:4
๐จ Axis Major Devaluation Alert
Effective 2 April 2026, Accor, Qatar Airways and Marriott have been removed from the transfer partner list.
An overnight change with the new financial year clearly shows urgency behind this move.
Either Axis Bank was taking heavy losses on these transfers or something major triggered this decision.
๐จ Update: Axis devaluation + new transfer partners
The changes are becoming clearer:
โ ITC removed
โ
Qatar Airways is back
โ Lufthansa added
โ Cathay Pacific added
โ Hilton added
The changes are still developing, and the official T&Cs haven't been updated yet. Interestingly, ITC is still listed in the current T&Cs.
So I'd wait for the complete update before making any transfers.
Should be clearer in some time. ๐
Stay tuned.
๐จ Another overnight Axis devaluation and change in process.
Looks like ITC is gone and Qatar is back. More details are awaited, so stay tuned.
And the timing couldn't be worse. ๐
Just today, I transferred 50K to ITC.
Now I'm seriously regretting not transferring more. ๐ญ
After Accor and now ITC, Axis is practically becoming useless for hotel transfer partners.
More details once the complete changes are clear. ๐
Stay tuned.
๐จ Another overnight Axis devaluation and change in process.
Looks like ITC is gone and Qatar is back. More details are awaited, so stay tuned.
And the timing couldn't be worse. ๐
Just today, I transferred 50K to ITC.
Now I'm seriously regretting not transferring more. ๐ญ
After Accor and now ITC, Axis is practically becoming useless for hotel transfer partners.
More details once the complete changes are clear. ๐
Stay tuned.
๐จ Axis Major Devaluation Alert
Effective 2 April 2026, Accor, Qatar Airways and Marriott have been removed from the transfer partner list.
An overnight change with the new financial year clearly shows urgency behind this move.
Either Axis Bank was taking heavy losses on these transfers or something major triggered this decision.































