Himanshu Agarwal 💳

Points and miles guy to help you get free vacation using your credit card points.

[Himanshu Agarwal 💳 @all_things_cc]

Check it out & apply here: https://t.co/FtJO33wMYZ

By the way, if any of those other cards fit your lifestyle better, you can check them out here:

•⁠ ⁠IndusInd Avios (Miles): https://t.co/aQ9xv6csoh

•⁠ ⁠IndusInd Tiger (Lounge & Golf): https://t.co/jfLK2ANpz4

•⁠ ⁠HSBC Live+ (General Food, utility and shopping Cashback card): https://t.co/tse8snEMr7

[Himanshu Agarwal 💳 @all_things_cc]

Had the best watermelon feta at Pali Bhavan in Mumbai recently with Sunny and Sarita.

If your monthly routine includes eating out or catching movies even twice a month, you are likely overpaying by thousands every year.

Here’s a simple setup that puts Rs. 20,000+ back in your pocket:

[Himanshu Agarwal 💳 @all_things_cc]

Honest Reality Check:

If you rarely dine out or go to theaters, skip this card. You’re better off with HSBC Live+ for 10% cashback on groceries and general food spends.

Otherwise, grabbing a free card that saves you 20k+ a year is a no-brainer.

Link to apply is in the reply below! 👇

[Himanshu Agarwal 💳 @all_things_cc]

If you want to easily map transfer options across programs and catch the best redemptions, tools like Realise(dot) club make comparing airline and hotel transfers effortless.

🏷️ Use code Himanshu20 for 20% off.

[Himanshu Agarwal 💳 @all_things_cc]

Most people think airlines make money by selling plane seats.

They don’t.

They make far higher margins selling miles to your credit card company.

Here’s how the loyalty economy actually works (and how to profit from it) 🧵👇

[Himanshu Agarwal 💳 @all_things_cc]

The system profits off people who redeem poorly. But if you learn the rules, you can flip the script.

I booked a Vietnam Airlines Business Class flight on an A350:
• Cash price: ~₹75,000
• What I paid: 20,500 points + ~₹10,000 tax

That’s ~₹3.17 per point in real value.

[Himanshu Agarwal 💳 @all_things_cc]

@ccg33k How 12%?

[Mr. Credible 💳 @mistercredible]

credit card influencers on instagram

[Himanshu Agarwal 💳 @all_things_cc]

@AmazingCreditC Magnus Burgundy se better kuch ho hi nahi sakta

[Himanshu Agarwal 💳 @all_things_cc]

@ccg33k It’s 1-3.33% miles in total.

[Himanshu Agarwal 💳 @all_things_cc]

@SartanparaYash If you don’t know utilities has broad range of codes. I can send you the list.

Don’t share any thing for views, makes social media more horrible.

[Himanshu Agarwal 💳 @all_things_cc]

@DealsDhamaka Where is RBL India oil Xtra? That gives 8.25% back, highest among all cards

[Himanshu Agarwal 💳 @all_things_cc]

@EvryPaisaMatter Why drawer? Not using it for Advance tax or Jwellery or fuel etc?