Pradeep Joseph

[Pradeep Joseph @PradeepJoseph20]

@IndiaPostOffice It was out for delivery at 11AM today… Still waiting… Wont be surprised if I don’t get it today…

[Pradeep Joseph @PradeepJoseph20]

@IndiaPostOffice Mr venkatram never came to my building and I was in my house entire day. If you can’t deliver, say that… don’t blame people because you are lazy… If anyone can share to Venkatram, that would be great.

[Pradeep Joseph @PradeepJoseph20]

@IndiaPostOffice Good job guys. No wonder nobody uses India Post

[Pradeep Joseph @PradeepJoseph20]

@IndiaPostOffice Here is how Mr. Venkatram has worked today as well.

[Pradeep Joseph @PradeepJoseph20]

@IndiaPostOffice

[Pradeep Joseph @PradeepJoseph20]

@AmazingCreditC Very poor approval rate ☹️

[Pradeep Joseph @PradeepJoseph20]

@AmazingCreditC Basis my experience…

With Axis devaluation, axis cards…
IDFC first bank cards…

[Pradeep Joseph @PradeepJoseph20]

@akshat_money Add money to HP pay wallet using MRCC.

[Pradeep Joseph @PradeepJoseph20]

@FinPaal Approval rate is pretty poor. They reject for me for no reason. I hold pretty good cards from HDFC and Axis…

[Pradeep Joseph @PradeepJoseph20]

@AmazingCreditC Amex Plat travel by transferring the limit to MRCC

[Pradeep Joseph @PradeepJoseph20]

@akshat_money Thank you!

[Pradeep Joseph @PradeepJoseph20]

@akshat_money Did you buy HP pay vouchers directly from HP app or through shop wise? Couldn’t find it on shop wise, hence asked.

[Pradeep Joseph @PradeepJoseph20]

@akshat_money How did you avoid the surcharge? Purchasing directly from HP app is glitchy and fails.

[Pradeep Joseph @PradeepJoseph20]

@spendwiselyx You said joint account. Was the eligibility criteria based on salary or savings in the account? Wanted to understand the eligibility part as I don’t meet the salary part and hence was looking for optionsz

[Pradeep Joseph @PradeepJoseph20]

@flick_class Clearly you’re high to get more views… 47 in BLR…. ??? grow up!!

[Pradeep Joseph @PradeepJoseph20]

@praddy06 Too early…

[Pradeep Joseph @PradeepJoseph20]

@praddy06 With the way India fielded today, i don’t think we deserve to be in the semi finals

[Pradeep Joseph @PradeepJoseph20]

@milesmintIN Thank you!

[Manish Golcha @man1sh_golcha]

The gap between advertised rewards and real returns has never been wider. 📉🛑

I’ve audited India’s "Big 4" so you don’t have to:

not just reward rates, but the spend required to unlock caps, redemption ceilings, excluded category limits, and the real renewal math.

💳 Axis Magnus Burgundy [Points Printing Machine]
💳 HDFC Infinia [The Crown Jewel]
💳 ICICI Emeralde Private [The Silent Powerhouse]
💳 HSBC Premier [The Consistent Performer]

100% data. 0% BS. Here’s the side-by-side cheatsheet of what earns, where it caps, and what’s quietly excluded. 🧵👇