Pranay

Curious in CC miles..credit cards..
Love to explore...

[Pranay @PranayCC]

So, Amex bonus +4k MR offer has extended till 30 june..
So welcome offer on reserve be -
19k MR + (MR's on 30k spend)

Note-
*Welcome MR are credited instantly for new Amex users after 30k settles (no 90 days / fee clause) - it's self tested and many would agree.
(After that decision remains urs🤞🏻)*

https://t.co/Rtn3m1vwCc
( Disclosure - I get 8K MR + U also get 8k MR)

Reserve is good only for joining bonus + membership's..!

#ccgeeks

[Pranay @PranayCC]

Reserve has ta j Voucher conversion to 0.5p per point..
But 0.58p for mrcc via gold collection vouchers..
(Also if we show reserve's Epicure card then extra discount for stays,food,etc)

I got reserve when downgrade links were working..
So basically got referral + welcome MR through reserve and then downgraded to MRCC
So, paid 1180(MRCC fees) in this case.

Current offer by amex:
Extra 4K MR via referral → So, earlier 4 but now ~8K till 31 May

+11K MR on ₹30K milestone = 19K MR total

*Welcome MR are credited instantly for new Amex users (no 90 days / fee clause) - it's self tested and many would agree.
(After that decision remains urs to keep it/no)*

Apply - https://t.co/Rtn3m1vwCc
( Disclosure - I get 8K MR + U also get 8k MR) Last day today..!

Reserve is only good for its joining benefit -
Accor+ explorer, taj Epicure (without stay plus)

Additional benefits:
5x on Air India (≈3-4% base) till 31st July 26 as per AI website.
EMI also earns MR (only via Amex Safekey)
1K voucher on ₹50K/month

Still #DYOR.. high fees (waived on 10L).. card flipping links not working anymore..

#ccgeeks

[Pranay @PranayCC]

This card is a real gem..
So, even u can get it for self-employed person or housewife (having itr)..

Just mention salaried in form..
Xyz favourable office address..
For office mail..give normal mail but change , .gmail --> .goolgemail at the end. Thanks to @CardNiti @FinPaal for this!

Yes, this is how u diversity..and pls don't overspend 🫣

Also new quarter is coming soon..
Even devalued a bit..this card makes sense.

Cheers🥂

#ccgeeks

[Pranay @PranayCC]

BLINKDEAL6 is live but at 15.6k/gm value..
While the market rates is 15.2k + now..

Avoid.🚨

#ccgeeks

[Pranay @PranayCC]

@skh27 +T1🙃

[Pranay @PranayCC]

@Jai_Pa1 @CardNiti Open kot ak 811 super (metal) a/c
..card/program fees 1k I think.

[Ankit Dewan @ankitdewan]

Little known fact - HDFC Biz Power too can be had as a floater.

The Biz Black Credit Card remains elusive as ever, and to get it as a floater card is now more difficult than ever (see article below).

But the Biz Power also gives accelerated returns on GST & other Government Payments, and is available as a floater card as well!

True, Biz Power gives low returns as compared to Biz Black, but which other card is giving returns on GST Payments?

✨ Always remember - 37% of something is better than 100% of nothing!

Here are some facts about Biz Power:
👉🏼 It is similar to Regalia Gold (RG).
👉🏼 Base rate is 5 pts/ ₹200 (2.5%).
👉🏼 Same Smartbuy Multipliers as RG
👉🏼 Same limits of accelerated rp - 2k daily, and 4k monthly.
👉🏼 BUT, Biz Power gives you 7,500 accelerated rp separately for business spends, which includes Government spends & bills paid via Payzapp.
👉🏼 You can use points to pay for 70% of travel bookings done through Smartbuy @ ₹0.5 per pt.
👉🏼 No Accor in this one ☹️. The only option for redemption is Krisflyer @ 2:1 ratio.
👉🏼 Effective base rate is 1.25% and accelerated (5x) is 6.25%. in comparison, the Biz Black gives 1.33% & 16.67%.

⚠️ There are some conditions like first 2 transactions are considered for GST, ₹25k min. spend, etc. Please DYOR.

Eligibility for Floater:
👉🏼 3 Lakh limit of existing HDFC Card.
👉🏼 Not much else!
🤫 AFAIK, as of now HDFC does not check business income or ITR.

Final Words
Should you get it? Absolutely! In my mind, it is a no-brainer, because this card gives you extra SmartBuy limits + multipliers on government spending, utility bills etc. And Krisflyer can give you some amazing experiences, as well as be converted into other loyalty miles as well.

I know an HDFC guy who can help you get this card as a floater. DM me if you need his contact.

[Pranay @PranayCC]

Just try this HS BC card workaround for unserviceable locations..

Considering upcoming bonus it's damn good..

I am now thinking about getting Premiere..
But will have to visit always if I have any branch related work..not a option. Let's see if they include more cities.

#ccgeeks

[Pranay @PranayCC]

Got HSBC TravelOne in unserviceable area.

My journey process 👇
Visited relative in serviceable location (Pune) and applied → got it delivered → scheduled courier pickup back.
Most straightforward & guaranteed way.

While filling form:
• 2 address needed – Permanent (Aadhaar, can be non-serviceable) & Current (relative address)
• Current address has to be in serviceable location.
• Can't change delivery to permanent later.

VKYC:
• Asked about both addresses
• Must be done from same serviceable location (they verify it)

Approval insight:
• <4 enquiries in last 6 months (incl. HSBC)
• Good CIBIL needed
• T1 seems available for self-employed now

Courier:
HSBC took 6 + Delhivery took 6 days (slow). Any better pickup courier?

I took T1 bcz:
Wide transfer partners. Not expecting much due to hopper rates. Let’s see.
Went for T1 over Scapia.

Take cards basis your need, not offers/bank push.(No referral)

@CardNiti this was the other way I was trying..
Also u may apply via paisabazaar and banbazaar as @iSatishAgarwal informed.

Happy gudi padwa!!

#ccgeeks #T1 #Hopper #HSBC

[Pranay @PranayCC]

@ccg33k @gosatsapp @roshanaslam21 @withRoshniAslam They had even reversed CB in the past..not a trust worthy company..
We Can't rely..!
https://t.co/konnBKYmvn

[Pranay @PranayCC]

3% on CC bill payments upto 2L per card.
That's 6000+..!! 💰

*Only if exhausted or don't have 5% on CC bills wala trending card*

1. Get gosats elite card – 999/-
(people did get discounted including me at 200–400)

2. Load gosat elite card via UPI..
(KYC – 2L/m)

3. Pay on goodscore app via elite card.
(Other prepaid cards also eligible)

Merchant name- ARTHVIT 1809 TECH PR

Also ebixcash gpr card eligible for 1%.

Yes. Some Visa or rupay prepaid cards are currently eligible.
❌Tide ineligible.

But this might be patched soon. So better hurry ⏳

(Also using tide→elite card can get u more 0.75%+ means +1460/-..that is 3.75% net – till 2L per elite card..
but not recommended or worth the hassle..
also loading tide via any card is not a good practice)

If in case this method gets patched. You can still use your pending money to buy gold at 7% discount. Will explain soon once this gets patched.
3% go sats exclusions category 👇🏻

Rewards in gosats are earned in sats.
1sat = Rs.12–15. You can earn them either in gold or bitcoin. Even bitcoin can be cashed easily..
Stay tuned will explain..

Links for these platforms (no compulsion, you can also get via playstore):👇🏻

Gosats – https://t.co/TZJDqMbA6A
Goodscore – https://t.co/Vscd0f8oAv
Tide – https://t.co/KLWLl8kXKj

Thanks 🙌🏻

CC - @AbhiChtrj team

#ccgeeks

@SartanparaYash @ccg33k @imYadav31 @EvryPaisaMatter @ProfessorCardz @AbhiChtrj @CardMavenIn @FinPaal

[Pranay @PranayCC]

@cardzbuzz Congratulations 🎉🎉 right time!

[Pranay @PranayCC]

@CardMavenIn 💯 stopped.

[Savings Simplified @SavingsSimpl]

Many asked how to check the balance/validity of old Physical Flipkart Gift Vouchers.

Here’s the easiest way 👇

Use this link: https://t.co/UqXM48Bky4

Enter the Card Number + PIN and proceed.

✅ Valid GV → Balance gets reflected

❌ Expired/invalid GV → Error message shown

Handy if you have old physical GVs lying around. 😉

[CardNiti @CardNiti]

💳 Make Credit Card Bill Payments Rewarding 💰 v 4.0

Why pay bills plain when you can earn back on them ?

Here's how I stack rewards using DCs/UPI 👇🏻

For Amex / Other CC Bills

🔹Bank of India RSDC → 0.75% back upto ₹2500 per month

🔹PNB Imperial RSDC → 0.25% back

🔹KreditPe UPI → 2% back upto ₹200

🔹SalarySe UPI → 1200 Scoins = ₹240 back
Max. 300 scoins daily | 96 scoins on ₹5k
(Better rewards on small tnxs)

For Other CC Bills

🔸 Kotak 811 Super DC → 5% (₹500 cap) via Vi App | Need to login with Vi number

(Do 5 x ₹1986 tnx for 0.66% fee, may not work for 811 Super Metal DC)

🔸 HDFC Rewards DC → 5% (₹2k cap) on ₹40k via Payzapp | Save DC in Payzapp & Pay CC Bill.

🧾 That's 0.25% to 5% back on all CC bills !

SBI VDC, Some RBL & IndusInd debit cards do offer reward pts too, but right now, the talk of the town is HDFC Rewards 😇

Don't forget to follow @CardNiti and for more frequent updates, join : https://t.co/ZzBvewsSpf

👇🏻What’s your Credit Card bill payment strategy ?

#CardNiti #SmartPaying

[Pranay @PranayCC]

@creditkeeda Less research..just for views!!

[Pranay @PranayCC]

@CatchMeAbhiOrb Strange rule..!

[Pranay @PranayCC]

@credofly First point 🙌🏻💯

[Pranay @PranayCC]

@cardio_guy Great🙌🏻

[Pranay @PranayCC]

@_everydayhuman_ @cardinsider Yeah🙌🏻

[Pranay @PranayCC]

@FinPaal Thanks 🙌🏻