Deepanshu Gupta

Credit Card Enthusiast | Minting Points & Miles | Insurance Advisor | Team-Bhpian | Hobbyist Photographer

[Deepanshu Gupta @PointsnMilesPro]

@kunalb11 WhatsApp gonna be credified soon!!

[Rishika Sadam @RishikaSadam]

#Tesla is now in #Hyderabad. Their fifth experience centre in #India.

[Deepanshu Gupta @PointsnMilesPro]

@akshat_money Magnus Burgundy

[Suraj Kumar Talreja @suritalreja]

The Indian salaried class is slowly losing every inflation hedge available to it.

Imagine a guy earning ₹18 lakh a year in Bengaluru.
After tax, rent, EMIs, and expenses, he manages to save ₹5 lakh annually.

Now he just wants to protect those savings from inflation and rupee depreciation.

So he tries:

➡️ Crypto
30% tax, no loss set-off, 1% TDS.

➡️ Equities
Higher STCG, higher LTCG, higher STT.

➡️ Foreign investing
20% TCS on LRS remittances above ₹10 lakh.

➡️ Sovereign Gold Bonds
Tax benefits narrowed, scheme effectively being phased out.

➡️ Physical gold
Now discouraged in the “national interest.”

Meanwhile:

• FD returns barely beat official inflation before tax
• Housing, healthcare, and education inflation keep rising
• The rupee keeps weakening over time

So what exactly is the middle class supposed to do?

Every escape from rupee depreciation is being taxed, restricted, or discouraged.

The same salaried class that pays taxes honestly through TDS, gets almost no subsidies, and funds the system quietly… is now expected to simply watch purchasing power erode and call it “Amrit Kaal.”

[Deepanshu Gupta @PointsnMilesPro]

Must Read for someone approaching 40's. Felt too relatable since 40's are around the corner.

[Dr Mouth Matters @GanKanchi]

Confessions and realities

42M, 55LPA

I am a 42-year-old man with a senior job in IT. I have a house in Chennai, a supportive wife, and two children. On paper, everything about my life looks perfect. I have achieved all the things society says a man should achieve.

In my twenties, life felt different. I had friends to spend time with. We would hang out at Marina Beach and Besant Nagar beach, watch movies at Rohini, Udayam, and Kasi theatres, and ride around Mount Road on my RX100.

In my thirties, I had colleagues to talk with over tea breaks. We would discuss apartments, onsite trips, and share random stories about life and work.

But now, in my forties, life has turned into a quiet routine. My phone rarely rings for anything personal. Most calls are about office work, bank alerts, or someone from home asking me to pick up milk on the way back.

The loneliness of a man in his forties is unusual. I am not physically alone, but I often feel like a machine.

When I enter my home, I am simply “Appa.” I am the person who pays school fees, fixes the Wi-Fi, and handles repairs. My wife is busy with her work and the kids. My children are teenagers now, living in their own worlds and their own rooms. They love me, but they mostly see me as the person who provides comfort and stability. They no longer see me as an individual.

At the office, I am the senior person. I am expected to have all the answers. I cannot tell my team that I feel tired. I cannot tell my boss that I sometimes struggle to keep up with new technologies. I must appear confident and strong, even when I quietly worry about the future.

Sometimes I drive home slowly from work just to spend a few extra minutes in the car. I listen to songs from my college days.
For those fifteen minutes, I am not a manager or a father. I am simply myself again.

I realize that I have not had a real conversation about my feelings with anyone in years.

My old friends now exist mostly as names on WhatsApp. We send “Happy Birthday” or “Congratulations” messages, but rarely talk. When we meet at weddings, our conversations revolve around our children’s grades or the cars we drive. We never talk about what we actually feel.

The hardest part is that I cannot even complain. If I tell my family that I feel lonely, they look confused and say, “But we are all here with you.”
They do not understand that a person can be surrounded by people and still feel like they are on a desert island.

Society teaches men that if they provide money and security, they have succeeded in life.
But no one teaches us how to deal with the silence that comes with it.

I have built a beautiful life for everyone around me, but sometimes it feels like there is no space left for me inside it.

And maybe… this is what life in your forties feels like.

[Deepanshu Gupta @PointsnMilesPro]

@gurumilespoints Many Congratulations @gurumilespoints

[Deepanshu Gupta @PointsnMilesPro]

@BahlKanan DECLUTTER

[Deepanshu Gupta @PointsnMilesPro]

@jatinsapra Not sure why does it take a social media post to get their attention. Anyway, good that everything worked out right in the end

[Deepanshu Gupta @PointsnMilesPro]

@ashishlath @savesage_club Many Congratulations @ashishlath!!

[Deepanshu Gupta @PointsnMilesPro]

@gurumilespoints I'm all ears, drop the thread soon!!

[Deepanshu Gupta @PointsnMilesPro]

@suritalreja Yes, without thinking twice

[Deepanshu Gupta @PointsnMilesPro]

@Daksh_k1 @HSBC Same here. There app is not working for the last couple of weeks, which bank doesn't took are of their app. @HSBC needs to put in their head at the right place and sort the basics.

[Vikas Bardia @vikasbardia]

I've so far stayed away from commenting on @BLRAirport's sudden decision to charge all commercial taxi operators ₹285 to enter T1 and pick-up passengers within 10 mins - every additional 5 mins is another ₹150. And even this spot is a 5 min walk from arrivals gate. The free P4/P3 is a 10-15 min walk and there's a free bus shuttle - but it's super inconvenient with luggage or for aged parents, and there's no cover (so good luck during rains).

For 3+ months now, this has become highly inconvenient for all our guests & it's been hurting our business. I myself wouldn't book a @shoffr_in from P3/P4, and last time when I paid for premium parking realised that it's not really that premium. Still, I didn't feel like I should create an issue out of this - after all, every busines including BIAL wants to increase their revenue.

But recently someone close to me reminded me that we have a voice, and we should use it - not just for our benefit, but also for that of thousands of other individual taxi drivers and small fleet owners. And most importantly, for all the travellers who are now either forced to walk or select expensive-and-not-worth-it options that are in front of them.

I'm not saying don't charge us - but going from 0 to ₹285 is a steep increase and gives no time for businesses to adjust and account for this cost. Instead I propose charging ₹100 per entry for 2026, and then increasing it to ₹200 next year. It's a fair trade-off between adding a revenue stream (which was non-existent for years) and not inconveniencing the very passengers who use and bring revenue to your airport. And it gives time for businesses to adapt.

The current situation is unfair to commercial taxi operators, inconvenient for travellers - and so reflective of the monopolistic position of BIAL and airports in general. I kindly request the relevant authorities to use this position in a manner that improves the ecosystem for everyone, rather than disbalance it.

To those reading this - if you've been impacted and agree with my views, please repost this in the hope that it's picked by media and Govt. authorities so that BIAL is forced to rethink it's current approach. They might be a monopoly we can't escape using, but we all have a voice too. Let's make them hear us 🙏🏼

https://t.co/LfMqbeIvRP

[Deepanshu Gupta @PointsnMilesPro]

@ProfessorCardz Petrol

[Deepanshu Gupta @PointsnMilesPro]

@ChaiAndMiles Yeah looking forward to know about the triple dipping

[Deepanshu Gupta @PointsnMilesPro]

Quick question to the folks on X
Does upgrading to business makes sense?
Flight no AI174
And aircraft seems to be old 777-300 ER

[Deepanshu Gupta @PointsnMilesPro]

Got stranded at SFO after my @emirates flight to HYD was cancelled, but managed to secure a direct connection with Air India for next day
Grateful that @airindia operated the fligh when several other services to the U.S. were disrupted. Sometimes getting home is all that matters!

[Deepanshu Gupta @PointsnMilesPro]

Got stranded at SFO after my @emirates flight to HYD was cancelled, but managed to secure a direct connection with Air India for next day
Grateful that @airindia operated the fligh when several other services to the U.S. were disrupted. Sometimes getting home is all that matters!

[Deepanshu Gupta @PointsnMilesPro]

Checked in at @TajCampton for a week.
First impressions: Great location right at Union Square, which makes getting around super convenient.
The rooms are comfortable, though a bit dimly lit and the interiors feel slightly dated. Looking forward to the stay!!
@TajHotels

[Deepanshu Gupta @PointsnMilesPro]

@emirates Premium Economy on a A380, too hard to resist. Back to the experience which only gets better.

[Professor Cardz @ProfessorCardz]

Steps to avail the ECO MOBILITY Offer
1. HSBC TravelOne Credit Cardholder to contact the ECO MOBILITY Customer desk as mentioned in the table above.
2. Cardholder to place a request for the service with ECO MOBILITY Customer desk by availing the Offer on HSBC TravelOne Credit Card.
3. ECO MOBILITY to complete the verification process based on the customer's registered mobile number and E-Mail ID.
4. Customer to provide following travel requirements in format below:
a. Passenger Name
b. Registered Contact
c. Email Address
d. Date of Service
e. Pick up Location
f. Drop off Location
g. Pick up Time
h. Flight Number
i. Number of Passengers
j. Number of Bags

5. ECO MOBILITY to send a booking confirmation email and WhatsApp to the Cardholder.

6. Chauffeur details will be shared 30 minutes prior to the time of service.
7. For Pick-up from the Address - Chauffeur will wait for

15 minutes from the time of the pick-up, and the coordination will be ongoing between the Cardholder & chauffeur. Post 15 minutes, the trip may be cancelled. However, if there's a mutual agreement between cardholder and driver, waiting charges would be ₹100 per 30 minutes.

8. If a flight is delayed, the pickup time will be adjusted accordingly, with the Chauffer monitoring the new pick-up time, as they will be automatically updated about it, and the same will be communicated with the Cardholder from their end.

9. Due to traffic and other unavoidable reasons (although rare) pickup maybe delayed by 30 minutes.

10. For Pick-up from the Airport - Chauffeur will wait for 1 hour maximum, and the duration of 1 hour starts from the time flight lands at the airport. 11. No show will be treated as availed service and will be counted toward the quota. 12. Transfer shall start or end at the airport only within the cities mentioned above.