Olivia
Online
Card Maximiser (formerly SmartTravelClub)
@CardMaximiser
Post about Credit Cards and hotel deals.
Book luxury hotels with free night offers and VIP Perks.
Joined January 2025
50 Following
1.8K Followers
322 Posts
🌟 Ultimate VIP Experience Alert! 🌟
Our guest just got a 3️⃣- level upgrade to a luxurious 2-bedroom kitchen suite in Dubai 😍
But that’s not all!
✨ Perks they enjoyed:
🕗 8 AM early check-in
🍳 Complimentary breakfast
💳 $100 resort credit
Why settle for ordinary when you can have extraordinary?
DM me to book your next luxury stay and unlock VIP perks, upgrades, and unforgettable moments! ✨
#LuxuryTravel #VIPExperience
https://t.co/FxwzCtWP2a
✨ Dreaming of 5-star luxury without the hefty price tag? ✨
As a Travel Advisor, I'll get you into lavish hotels & boutique resorts with exclusive perks — all while saving you money 💰
🛏️ Free Nights (Stay 3 nights, pay for 2)
🍳 Complimentary breakfast
🚀 Room upgrades
⏰ Early check-in/late check-out
💳 $100+ property credits
No additional fees for my services! You pay the hotel directly—just a credit card for deposits 💳
DM me to elevate your next holiday! 🌍 #LuxuryTravel #TravelAdvisor
✨ Deal Alert: Fairmont Udaipur - Massive Price Drop! ✨
Fairmont Udaipur is running a 3rd night free offer and the prices have dropped for the next few weeks.
Stays start at ₹56k for 3 nights and include:
💰 $100 Hotel Credit
🍳 Complimentary Breakfast
🏨 Room Upgrade (on arrival, subject to availability)
🎁 Welcome Amenity
This is a one of the most VFM offers right now especially with the generous credits on offer.
Comment CardMaximiser below and I’ll give you access to the booking engine to book this deal directly.
@Shresth0820 Details shared over DM.
🚨 How to get 10% cashback on Amazon Pay GCs!
Instead of buying an Amazon Pay GC directly on Amazon, look for a Physical Amazon Pay Gift Card on Zepto.
• Zepto was offering 2% extra discount when I ordered
• If the transaction qualifies as grocery spend, a card with high grocery cashback can boost the savings
I used HSBC Live+ after verifying the MCC.
🔎 Before paying: Check your bank SMS/transaction details and confirm how the purchase is being categorized.
Got 1k cashback with minimal effort.
What other cards might be worth trying for this apart from HSBC, Equitas?
🚨 How to get ₹1,000 cashback on Amazon ICICI Card
Amazon Pay ICICI Cardholders have a targeted cashback offer running this month.
To qualify:
➡️ First, register by giving missed call to 6359852636
➡️ Make at least 2 offline transactions between Aug 1–31, 2026
➡️ Combined value of transactions must be ₹3,000 or more
➡️ Get ₹1,000 cashback if all the offer conditions are met
A few important points:
• This is a targeted offer, only customers who received the communication are eligible.
• Transactions need to be offline.
• It can be availed once per user, per card, per month.
• The offer is valid only during Aug 1–31, 2026.
Do share below if anyone has already received confirmation of cashback.
🚨 How to get ₹1,000 cashback on Amazon ICICI Card
Amazon Pay ICICI Cardholders have a targeted cashback offer running this month.
To qualify:
➡️ First, register by giving missed call to 6359852636
➡️ Make at least 2 offline transactions between Aug 1–31, 2026
➡️ Combined value of transactions must be ₹3,000 or more
➡️ Get ₹1,000 cashback if all the offer conditions are met
A few important points:
• This is a targeted offer, only customers who received the communication are eligible.
• Transactions need to be offline.
• It can be availed once per user, per card, per month.
• The offer is valid only during Aug 1–31, 2026.
Do share below if anyone has already received confirmation of cashback.
@doktoramar Yes - it should!
🚨 Tricks to Check Merchant MCC – Don't Lose Rewards! ❌
A common issue is incorrect MCC like while buying cars MCC being fuel or utilities. The result is zero rewards!
Always verify the MCC before making a large transaction. Here is how to find it:
1️⃣ Call the bank
This is the most accurate method. Do a small test transaction first. Call customer care and ask them to confirm the exact MCC for that charge.
2️⃣ Scan offline QR codes
Use a standard QR scanner app on the store's QR code. Check the raw text for "mc=". If you see "mc=5411", that number is the code. This doesn't work on every QR, but it’s worth a try.
3️⃣ Razorpay method
If paying via a Razorpay link, open it on a desktop. Select UPI to generate a QR code. Scan it with your phone and look for the "mc=" tag.
4️⃣ Check via banking apps. Some apps show this data instantly.
* IDFC: Make a payment and download the receipt inside the app. The MCC is listed there.
* Federal Bank: Send ₹1 via UPI using the FedMobile app. The statement shows the category code immediately.
Any other tricks you guys use to verify MCC? 👇
💰 A family member just saved Rs 15,996 thanks to the DGCA’s 24hr free cancellation/amendment window.
🧮 Refund Math…
• Booking amount: Rs 27,324
• MMT Convenience Fee: Rs 1,470
⭐️ Refund amount: Rs 25,854
Previously he was offered just Rs 9,858.
(1/4)… Here are how things unfolded 🧵
If your cancellation was eligible for a full refund under these rules, you might still be able to get it, even though time has passed.
Check out this useful post by @SmartTravel83 👇
🚨 You can now report traffic violations and be rewarded!
But will it work?
What if people try to make money out of it or do false reporting? 🤔
🚨 Get compensation for credit card rejection with vague reasons
Complain to RBI if a bank doesn't give you a specific reason for card rejection.
💰 Get compensated in the process for denial.
#ccgeeks #CreditCards #ConsumerRights
@doktoramar https://t.co/UczLju1MCP
Sharing the steps taken by OP:
What I had to do:
1.Complained to Level 1 Grievance Redressal on IndusInd website. Alternatively you can email to [email protected]
2.After 3 days (28th April), I got reply from them asking me details such as name, address, date of application, pan no., mobile no. etc.
3.After 2 more days (30th April), they responded "According to the set norms, we will be unable to disclose the internal assessment parameters under which your application has been rejected."
4.I emailed them back telling them that under RBI's master directions 6.a.1, bank has to tell the exact reason of rejection. I copy pasted the RBI master discretion paragraph and warned them that I will raise this issue to RBI if unresolved.
5.After waiting 3 days (2nd May) with no reply, I escalated to RBI Ombudsman giving them all the emails.
6.On 15th June, as the complaint was under process, IndusInd mailed me from [email protected] stating the rejection reasons as "CIBIL Rules Failed". Also stating that I hold an active card from January 2025 which doesn't meet the "Vintage Norms".
7.I replied to them asking them for clear reason rather than mentioning these fancy terms. This time I justified my questioning by mentioning details such as my credit score and credit history. I told them I wont close the complaint unless they tell me the reason for rejection.
8.On June 30th, RBI reached to me with the same copy pasted email from IndusInd I received on 15th June. RBI asked me to offer my comments and feedbacks along with documents against bank.
9.I provided RBI with my CIBIL score, CIBIL history and my Credit Account details. I again mentioned the RBI Master Directions guideline and that the bank didnt follow this. Along with this, I asked for Rs 2500 compensation for Mental Agony.
10.On July 18th, IndusInd reached out to me asking details of my bank account where they had to deposit Rs 5000 as compensation, which I provided.
11.On 22nd July, I got the amount in my Bank Account.
12.RBI closed the complaint on 25th July.
I used ChatGPT to mail IndusInd and RBI. Provided it with basic template without any of my personal details to ensure basic privacy.
Made sure to mention rules and guidelines so that I have proof that I instructed and requested details from Bank and RBI as per the correct procedure and guidelines.
🚨 Get compensation for credit card rejection with vague reasons
Complain to RBI if a bank doesn't give you a specific reason for card rejection.
💰 Get compensated in the process for denial.
#ccgeeks #CreditCards #ConsumerRights
Sharing the steps taken by OP:
What I had to do:
1.Complained to Level 1 Grievance Redressal on IndusInd website. Alternatively you can email to [email protected]
2.After 3 days (28th April), I got reply from them asking me details such as name, address, date of application, pan no., mobile no. etc.
3.After 2 more days (30th April), they responded "According to the set norms, we will be unable to disclose the internal assessment parameters under which your application has been rejected."
4.I emailed them back telling them that under RBI's master directions 6.a.1, bank has to tell the exact reason of rejection. I copy pasted the RBI master discretion paragraph and warned them that I will raise this issue to RBI if unresolved.
5.After waiting 3 days (2nd May) with no reply, I escalated to RBI Ombudsman giving them all the emails.
6.On 15th June, as the complaint was under process, IndusInd mailed me from [email protected] stating the rejection reasons as "CIBIL Rules Failed". Also stating that I hold an active card from January 2025 which doesn't meet the "Vintage Norms".
7.I replied to them asking them for clear reason rather than mentioning these fancy terms. This time I justified my questioning by mentioning details such as my credit score and credit history. I told them I wont close the complaint unless they tell me the reason for rejection.
8.On June 30th, RBI reached to me with the same copy pasted email from IndusInd I received on 15th June. RBI asked me to offer my comments and feedbacks along with documents against bank.
9.I provided RBI with my CIBIL score, CIBIL history and my Credit Account details. I again mentioned the RBI Master Directions guideline and that the bank didnt follow this. Along with this, I asked for Rs 2500 compensation for Mental Agony.
10.On July 18th, IndusInd reached out to me asking details of my bank account where they had to deposit Rs 5000 as compensation, which I provided.
11.On 22nd July, I got the amount in my Bank Account.
12.RBI closed the complaint on 25th July.
I used ChatGPT to mail IndusInd and RBI. Provided it with basic template without any of my personal details to ensure basic privacy.
Made sure to mention rules and guidelines so that I have proof that I instructed and requested details from Bank and RBI as per the correct procedure and guidelines.
@VBHATI2050 Nice to hear from a fellow IO user 😋😋
🚨 Wow! Creative ways through which schemes are misused.
Is this one of the causes of India being a low trust society?
Makes credit cards hack shared seem petty in comparison.
#ccgeeks
🚨 Dubai officially denies 23L Golden Visa
It always sounded too good to be true. However, it exposed two major issues:
1) Serious concerns in India due to which large number of people want to migrate
2) Indian Media continuous circulation of fake news for TRP
@rvkcbse Yeah! The rumor was mainly spread in the Indian community
@contliving @milestrader Exactly! But the while thing did raise a few Qs as well
https://t.co/SEiFiJe0tj
🚨 Dubai officially denies 23L Golden Visa
It always sounded too good to be true. However, it exposed two major issues:
1) Serious concerns in India due to which large number of people want to migrate
2) Indian Media continuous circulation of fake news for TRP
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