SidLib

Decoding

[SidLib @SidLib1902]

Most "best credit card" advice in India is paid placement.
So I built a free calculator that shows what your points are actually worth - every card, every redemption, ranked by ₹.
No affiliate links. No sponsored rankings. Just math.
https://t.co/CJSefFv5Jx

[SidLib @SidLib1902]

What to do now:
→ Use vouchers up to 3,000 pts, then switch to SmartBuy travel
→ Redemption value is untouched — don't panic-redeem
→ Reassess the fee only if the voucher loop was your whole reason for holding

Full breakdown + every HDFC change: https://t.co/CJSefFv5Jx

[SidLib @SidLib1902]

🚨 HDFC just quietly gutted the Infinia voucher hack.
From July 1, your SmartBuy brand-voucher earning is capped at 3,000 points/month.
For Infinia, that's an 80% cut to the most popular way people earned on everyday spend.
What changed, and what to do 🧵

[SidLib @SidLib1902]

One more thing nobody's saying:
This is published for July 2026 only.
HDFC tried a similar SmartBuy cut in January, caught backlash, and rolled it back in days.
Treat it as live — but don't be shocked if it reverses.

[SidLib @SidLib1902]

Your "global diversification" is probably just 5 US tech stocks on repeat.
Parag Parikh + Nasdaq 100 + direct US = same Microsoft, Apple, NVIDIA 3x over.
That's not diversification. Where's your Europe? Japan? Non-tech US?
Free overlap check:👇
https://t.co/1Qp5afa5GV

[SidLib @SidLib1902]

Your 3 ELSS funds are basically the same fund.
We checked. 63% overlap between Axis ELSS and Mirae Tax Saver. 58% between Mirae and SBI.
One ELSS + ₹12,500/month = full Section 80C.
The rest? Duplicate fees on duplicate stocks.
Check yours free: https://t.co/C6M6xzWvRx

[SidLib @SidLib1902]

Quick PSA for anyone hoarding credit card points in India:
Your points lose value every year. Axis cut its transfer ratio in April. Most "10X rewards" cards cap out at ₹1,000/month.
The headline reward rate is almost never the real one. Always do the ₹/point math.

[SidLib @SidLib1902]

@codewithimanshu Claude

[SidLib @SidLib1902]

@ShivAroor @grok confirm the news

[Maheshwer Peri @maheshperi]

Thread: The fees of IIM(A) have risen from 4 lacs in 2007 to 27 lacs today, a 575% increase in 15 years. The Income tax inflation index growth for the same period is 146%. IIMs have singularly led higher education to become expensive & unaffordable. Let me explain:

[SidLib @SidLib1902]

@raj210972 @TOIGurgaon @OfficialGMDA Please visit area around sector 81 -90. You will see no roads around so called posh localities.

[SidLib @SidLib1902]

@HalfRebel But yes it is a big issue and I was surprised how easy it was to get oneself into frauds

[SidLib @SidLib1902]

@HalfRebel I had been duped of Rs 1500 for getting liquor :D 😀 ...they were asking my credit card number to return this Rs.1500 while home delivery 😜

[anand mahindra @anandmahindra]

Brilliant…

[SidLib @SidLib1902]

Fascinating to say the least

[Ana Lorena Fabrega @anafabrega11]

Kids spend more time on screens today than ever before.

Do they lack self-control? Or are deeper factors at play?

Let’s unpack the psychology of screens 👇🏼 🪡

[George Mack @george__mack]

This metaphor by @ShaanVP has been rattling around my head since I heard it