Card Hacks India

Making your credit cards pay you back 💳 Devaluation alerts, reward hacks & lounge tricks for Indian card holders. No paid promos without disclosure. Follow for

[Card Hacks India @cardhacksindia]

₹50,000 a month on cards. ₹15,000 of it goes to Swiggy, Zomato and Blinkit.

One card only. Annual fee under ₹1,000.

Which card are you picking, and roughly how much does it save you a year? 👇

#CCGeek

[Card Hacks India @cardhacksindia]

Amex took points back on 9 Nov, then promised them back two days later.

Has that changed how you use your Amex?

Vote, then reply with the card you'd move your spend to 👇

#CCGeeks

[Card Hacks India @cardhacksindia]

ICICI Sapphiro, Rubyx, Emeralde, Times Black: air accident insurance ends 15 Dec.

Also gone from 15 Dec:
INOX benefit (Coral, Rubyx, MakeMyTrip & more)
CFAR trip cover (Emeralde, Times Black)

Use INOX offers before then. Flying later? Get your own cover.

#CCGeeks #ICICIBank

[Card Hacks India @cardhacksindia]

Amex holders: 2 dates this week.

13 Nov: clawed-back points due back at the 8 Nov balance
15 Nov: new system. Points stay per card, overdue bill = points frozen

Screenshot your balance now. Not back by Friday? Complain, keep the ref no.

Is yours back? 👇

#CCGeek #Amex

[Card Hacks India @cardhacksindia]

How many reward points are you sitting on right now?

This week showed it: points can be devalued, capped or clawed back with little notice.

Reply with the card + your rough balance. Redeeming or holding? 👇

#CCGeeks

[Card Hacks India @cardhacksindia]

Amex India cardholders: the 9 Nov points clawback is being reversed.

Before: closed-card points wiped, some balances negative
Now: restored to your 8 Nov balance in 48-72 hrs (per Amex email)

Check your balance this weekend. Closing a card later? Redeem first.

#CCGeeks #Amex

[Card Hacks India @cardhacksindia]

Closing a card? Burn the points first.

Amex's T&C: cancel, and points die unless used in 30 days, as statement credit at 4 points = ₹1.

Before closing:
• Redeem or transfer all points
• Screenshot the balance
• Pay to ₹0

Which card are you closing? 👇

#CCGeek

[Card Hacks India @cardhacksindia]

Amex points clawed back on 9 Nov? A clock is running.

RBI's new Ombudsman scheme (from 1 Jul 2026):
• Complain to Amex in writing, keep the case ID
• No fix in 30 days → file free at https://t.co/749qsYLOBo
• Then you get 90 days, not a year

Filed yet? 👇

#CCGeeks #Amex

[Card Hacks India @cardhacksindia]

@wittysiddharth Well said.. 100% agree with you.. Aag ghar pe lagti hai toh he jaagte hai sab

[Card Hacks India @cardhacksindia]

8/ Which card's fee did you miss by a small amount this year? Card + gap 👇

Follow for every fee and devaluation change. Repost so a friend doesn't pay a fee they could skip.

[Card Hacks India @cardhacksindia]

Paid ₹1,180 for HDFC Millennia this year? ₹1 lakh of spend would have made it ₹0.

Renewal fee waivers for 8 popular cards, and the catch on each 🧵

#CCGeeks

[Card Hacks India @cardhacksindia]

7/ 3 rules for every card:

• It's your card year, not April-March.
• 18% GST sits on top of every fee.
• Fell short? Ask the bank for a waiver before you pay. Asking costs ₹0.

Never fake spend to hit a target.

[Card Hacks India @cardhacksindia]

Amex India cardholders: points from cards you closed are being clawed back since 9 Nov. Some balances now negative.

Before: closed card's points stayed in your pooled MR
Now: removed, citing the 30-day redeem rule

Screenshot your MR history. Complain in writing.

#CCGeek #Amex

[Card Hacks India @cardhacksindia]

₹60,000 flight abroad, paid on the airline's own site:

Axis Atlas: 6,000 Air India miles (~10%)
HSBC TravelOne: 2,400 miles (~4%)
Times Black: 1,200-1,500 points (~2%)

Atlas wins, but new sign-ups are reportedly paused.

Which card books your flights? 👇

#CCGeeks #TravelHacks