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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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
"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
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
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.
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
HSBC Bank has to be one of the worst, and probably the slowest, when it comes to resolving issues and getting in touch with their customer care team. ๐
The HSBC x Accor bonus transfer failed on 14th August.
I tried reaching out to customer care on call, but no luck. Somehow managed to get through to chat support, where I was asked to raise a secured message.
Did that exactly as instructed and submitted it. Since then, ZERO update. And now even customer support has no answers.
Another issue is my June DC cashback, which HSBC still hasn't processed, citing the new T&Cs that came into effect from 1st August 2026.
How does a change effective from August apply to transactions done in June?
I have enough documentation and proof for both issues to take this up with the RBI if required.
Anyone else facing issues with HSBC?
Especially with either of these:
1๏ธโฃ Accor bonus transfer failed
2๏ธโฃ Debit card cashback for spends made before the new T&Cs
๐จ Times Black cardholders, check your app!
There's a nice little change to the welcome benefit. ๐
You can now choose between:
๐ Truefitt & Hill voucher worth โน3,100
๐ Toni & Guy voucher worth โน3,000
My Toni & Guy voucher went unused earlier, so this is a great change
This means now we have 3 Truefitt & Hill vouchers with this card. 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
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
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