Eswaramoorthy

Energy $ Environment Engineer!! || TNAU || Football & Athletics

[Amazing Credit Cards @AmazingCreditC]

🚨NEW ₹1700 gold cashback deal is live.

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Muthoot - https://t.co/2oSd5uJKwm

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Kalyan: https://t.co/qtKRZZEe8c

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WHP: https://t.co/z4fMQwnr8x

🛍️All deals: https://t.co/HhO3i5AQ1c

🎁Get Flat ₹1700 cashback on min ₹20000 spend + ₹1750 discount using HDFC credit card.

✅Reward can be availed 3 times per account.

[Eswaramoorthy @Moorthispm]

@msd6649 needed bro

[Eswaramoorthy @Moorthispm]

@its_1ml @ChennaiIPL Yes

[Eswaramoorthy @Moorthispm]

@MadhanMaverick This is smartest idea 🤝 into next level

[Madhan @MadhanMaverick]

✈️ 2️⃣ Standout Benefits (Why Gaj Exists)

✅ Zero Forex Markup — strong win for international spends
🏨 High travel accelerators via bank platform
• Up to 45X on hotels
• Up to 20X on flights (caps apply)
🪙 Reward points never expire (while card is active)

📍 Travel redemptions = best value.

[Madhan @MadhanMaverick]

🚨 New premium credit card in town — named Gaj 🐘💳

Invite-only. Metal. Travel-focused.

Before you apply, read this bookmark-worthy breakdown 🧵👇

[Eswaramoorthy @Moorthispm]

@MadhanMaverick Interesting...

[Madhan @MadhanMaverick]

💰 Earned ₹21,000 using a RBL Enterprise DEBIT card in 16 months – here’s how

Received my monthly milestone voucher from RBL 🏦
Streak running strong since Sep 2024 ⏱️

📊 Breakdown:
16 months = ₹16,000
Annual voucher = ₹5,000
💰 Total earned so far = ₹21,000

All this by simply using a debit card 👀

✨ RBL Enterprise Debit Card
🏦 Zero balance account opened directly at branch
✅ Debit card applied
🚚 Delivered in just 5 days

😵‍💫 But is this debit card worth the ₹8,850 fee?

Let’s break it down ⤵️

💰 Joining Fee: ₹7,500 + GST
💰 Annual Fee: ₹2,000 + GST

🫰 Joining Benefits:
🎁 ₹7,500 vouchers
➕ ₹1,000 extra voucher (₹25k spend in 90 days)
⚠️ Amazon vouchers capped at 50%
❌ No renewal benefit / no waiver

➗ Net Joining Cost ≈ ₹350

🎁 Rewards (all as vouchers):
⛽ Fuel: 1% (up to ₹1,500/month)
✈️ Flights: 5% (up to ₹500/month, airline sites only)
🎬 OTT & 📱 Telecom: 5% (up to ₹500/month)
⚡ Utilities: 5% (up to ₹1,000/month) ⭐ Hero feature

🎯 Milestones (honestly not very useful):
₹2k on ₹5L
₹3k on ₹10L
₹4k on ₹15L

🤑 Extras:
🌍 0% forex markup
🛋️ 2 domestic lounge access/quarter
⛑️ Insurance cover

⚖️ Verdict:
If used smartly, this card can give ~5% voucher returns on ~₹20k monthly spends for common payments.

💡 Pro tip: Rotate between RBL Enterprise & Signature+ cards to maximize value.

💰 Earned ₹21,000 using a RBL Enterprise DEBIT card in 16 months – here’s how ⤵️ Would you apply?
#RBLBank #DebitCard #dcgeeks #ccgeeks #Cashback

[Madhan @MadhanMaverick]

₹4L Milestone on Amex Platinum Travel Crushed ✅
💥 But claiming FULL rewards? That's the real hack most miss 👀⚠️

Just hit ₹4,00,000 spend — unlocking 25,000 MR points + ₹10K Taj Voucher 🎯🏆

⚠️ The Catch:
Amex auto-credits only ~10,000 threshold points 📈
The remaining ~15,000 bonus points? NOT automatic — chat/call support to claim! 📞
(Skip this = points left on the table 😤💸)

✅ My Move:
→ Hit ₹4L 🚀
→ Quick chat with Amex support 💬
→ 15K bonus points instantly credited ✨
→ ₹10K Taj Voucher incoming (30-90 days via email) 🏨💫

💎 Rewards Haul So Far (Trifecta Power):
~1.25L+ MR points accumulated (~50K redeemed already) 💰🔥 From: Platinum Travel + Gold + MRCC
₹10K Taj Voucher (this year) 🎫
₹10K Taj Voucher (last year) 🎫

Effective rate: 8%+ when optimized 🔥📊 for spendings

💸 Fees Reality:
Joining: ₹5,900 paid 💳
2nd year: Waived via retention offer (₹1.5L spend in 3 months — chat them!) 🆓

📌 Renewal Tip:
If fee hits, don't pay instantly ⏳
Chat support — often waiver, bonus points, or spend-based reversal 🙌

🛒 My Sweet Spots for Amex:
• Gyftr/Reward Multiplier vouchers 🎁
• Fuel ⛽
• NPS/Tax payments 🏦
• Gold purchases 🪙

💯 Pro Bonus Hack:
Paying Amex bill "smartly" = extra ~1% free rewards! 🔄💰

🚀 Amex isn't mass-market — but Trifecta (Plat Travel + Gold + MRCC) = elite rewards game 💯🏅

#Amex #AmexIndia #CreditCards #CreditCardTips #ccgeeks #ccgeek

[Eswaramoorthy @Moorthispm]

@MadhanMaverick Axis Cashback Card is Next level with 5.7% Cashback

[Madhan @MadhanMaverick]

Axis Cashback Credit Card Beats SBI Cashback, HSBC Live+, Swiggy HDFC & Tata Neu Infinity for Generic Online Spends 💳🚀

Let’s talk real value, not brochure numbers 👇

🎁 Welcome Perks
✨ 5,000 EDGE Reward Points on your first txn
💸 ₹300 cashback on BillPay (auto-pay)

⚡ Why this card is underrated
🛒 Up to 7% cashback on online spends (₹4,000/month cap)
✈️ 0.75% cashback on offline & travel
💡 0.5% cashback on utilities
💰 Cashback auto-credited (no redemption headache)
🏷️ Annual fee waived at ₹4L spends

📊 The math that matters
Spend ~₹70,000 online ➝ get ₹4,000 cashback
That’s ~5.7% effective return 🔥

👉 For generic online spends, this beats:
SBI Cashback ❌
HSBC Live+ ❌
Swiggy HDFC ❌
Tata Neu Infinity ❌

📌 Cap comparison
• Axis Cashback: ₹4,000/month cap ❌
• SBI Cashback: ₹5,000/month cap ✅

🆕 Big Amazon Pay update 🛍️
Amazon now allows APay voucher purchases > ₹10,000 via credit card
✅ Eligible for cashback — confirmed with Axis support

⚠️ Reality check:
Some MCCs don’t earn cashback here — other cards may still win in niche categories. No single card is perfect.

No upgrade offer in Axis app ❌
Got this via a manual upgrade after long-term usage 👀

Already holding M4B — now testing this combo in real life 🤔
Worth it or overhyped? Drop your thoughts 👇

🙏 Thanks @pointperkspicks for the Amazon gift card purchase input

#ccgeek #ccgeeks #dcgeeks #AxisBank #cashback #CreditCardsIndia #PersonalFinance

[Madhan @MadhanMaverick]

🚨 December is ENDING 🚨

#ccgeeks & #dcgeeks — your cashback, miles, lounge access & vouchers RESET on Dec 31 ⏳

Miss this = free money gone 💸💳
👇 Complete thread you MUST read & save

[Eswaramoorthy @Moorthispm]

@MadhanMaverick This seems interesting!!

[Madhan @MadhanMaverick]

🔥 Up to 26% Returns on Amazon Pay Vouchers 💳😳

(Yes, the math checks out)

Card: Amex Gold Charge
Platform: Amex GyFTR
Voucher: Amazon Pay

🧮 How it works 👇
• Pay ₹1,017.70 → get ₹1,000 Amazon Pay
• Earn 100 MR points per ₹1,000 transaction
• Complete 6 × ₹1,000 transactions → get 1,000 bonus MR

📊 Total spend: ₹6,106
🎁 Total MR earned: 1,600 MR

💡 MR value varies
• Worst case: ₹0.50 / MR
• Base assumption: ₹1 / MR
• Smart redemptions (hotels / peak timing): ₹1+ / MR

📈 Effective returns 👇
• At ₹0.50/MR → ~13%
• At ₹1/MR → ~26% 🔥
• At ₹1.2+/MR → 30%+ 👀

👉 Even at the worst-case valuation, this beats most cashback cards.

💳 Amex Gold + GyFTR = serious reward stacking

⚠️ Complete all 6 txns or the math breaks
🔁 RT if this helped

#amex #ccgeek #ccgeeks #gyftr

[Eswaramoorthy @Moorthispm]

@MadhanMaverick Keep going

[Madhan @MadhanMaverick]

💳 Axis Magnus Burgundy — ~5.8% to ~15% Returns

🔁 How rewards are earned
• HP Pay vouchers via GiftEdge
• Accelerated reward points structure

🧮 Reality
• Base rewards → ~4.8–6%
• Accelerated categories + travel redemption → ~10–14%
• HP Pay wallet coins → + ~1%

👉 Effective range ≈ ~5.8% to ~15%

⚠️ Skill & redemption strategy matter

[Madhan @MadhanMaverick]

💳 HDFC Infinia — ~15–16% Returns (Incl. HP Pay)

🔁 How rewards are earned
• Amazon Pay vouchers via SmartBuy
• Accelerated rewards credited upfront

🧮 Real example
• Fuel: ₹3,700
• Voucher reward value ≈ ₹500 (~14–15%)
• HP Pay Scan & Pay coins ≈ ₹37 (~1%)

👉 Total effective return ≈ ~15–16%

👑 Best balance of simplicity + premium rewards

[Madhan @MadhanMaverick]

💳 ICICI Emeralde Private Metal (EPM) — ~18% Returns

🔁 How rewards are earned
• HPCL fuel vouchers via iShop
• Premium reward multiplier

🧮 Example
• Voucher: ₹5,000
• Reward value ≈ ₹900

👉 ~18% return

⛽ Redeemed directly at HPCL terminal
❌ No HP Pay wallet benefit

💎 Premium, predictable, zero hacks

[Madhan @MadhanMaverick]

💳 Amex Gold Charge — Up to ~27% Returns

🔁 How rewards are earned
• Amazon Pay vouchers via GyFTR
• Base MR + monthly milestone bonus
• Rewards earned before fuel spend

🧮 Monthly maths
• 6 × ₹1,000 vouchers
• Spend ≈ ₹6,100
• MR earned = 1,600 MR

💰 Value assumption
• ₹0.5 / MR → ~13%
• ₹1 / MR → ~26%

⛽ Fuel payment flow
Amazon Pay → ICICI / IDFC FASTag → HP Pay

➕ HP Pay Scan & Pay → ~1% wallet coins

👉 Effective return ≈ ~27%

🔥 Highest ceiling among all fuel strategies

[Madhan @MadhanMaverick]

⚔️ Quick Comparison (Ranked by Potential Returns)

🥇 Amex Gold Charge → Up to ~27%
🥈 ICICI Emeralde Private Metal → ~18%
🥉 HDFC Infinia → ~15–16% (incl. HP Pay benefit)
✈️ Axis Magnus Burgundy → ~5.8% to ~15%
✈️ Axis Atlas → ~7% to ~11% (milestone-based)
⛽ RBL IndianOil XTRA → ~8–10%
⛽ BPCL SBI Octane → ~7–8%
🧘 SBI Cashback → ~5–6%

Higher effort = higher rewards. Always.