cardspointsnmore | Credit cards & Rewards

CA exploring credit cards, travel rewards & smart redemptions ✈️💳 | Follow for info and optimization

[cardspointsnmore | Credit cards & Rewards @cardspointsmore]

Using credit cards responsibly can boost your CIBIL and save you from unnecessary interest and penalties.

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Build these rules around your credit cards to avoid additional charges, overspending, earn more rewards, improve CIBIL.

#ccgeeks #creditcards #cibil

[cardspointsnmore | Credit cards & Rewards @cardspointsmore]

FREE Spa Session with HDFC Regalia Gold 💳💆

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Thanks to the HDFC Boarding Edge program, I enjoyed a complimentary spa session at Meghavi Wellness Spa.

✨ 30-minute session
Choose one:
• Head Massage
• Foot Massage
• Neck & Shoulder Massage

A great hidden travel perk if you have Regalia Gold.

DM for more details.

#hdfc #dreamfolks #freespa

[cardspointsnmore | Credit cards & Rewards @cardspointsmore]

Check mails to find coupons from IHCL in case you are a shareholder

#ccgeeks

[cardspointsnmore | Credit cards & Rewards @cardspointsmore]

@contliving it applies

[cardspointsnmore | Credit cards & Rewards @cardspointsmore]

@jassneetsingha looks like we will see some more changes with other hsbc cards also..

[cardspointsnmore | Credit cards & Rewards @cardspointsmore]

@EvryPaisaMatter congratulations

[cardspointsnmore | Credit cards & Rewards @cardspointsmore]

Credit Cards In My Wallet 💳
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8️⃣ HDFC Marriott Bonvoy

Why I have it:
• Marriott Silver Elite status
• Annual 15,000 Marriott points
• Excellent lounge access program

Top benefits:
• 15,000 Marriott Bonvoy points every year
• Enough for a free award night at many Marriott properties
• Domestic & international lounge access
• No spend-based criteria for lounge access

Annual fee:
₹3,000 + GST

My take:
A solid card for Marriott loyalists looking for an annual free night and hassle-free lounge access.

At its fee point, it's one of the easier cards to justify keeping year after year.

DM/comment for more details 👇

#marriott #hdfc

[cardspointsnmore | Credit cards & Rewards @cardspointsmore]

extended further till mid August
my link

https://t.co/jJvw45WczD

[cardspointsnmore | Credit cards & Rewards @cardspointsmore]

AMEX RESERVE OFFER ENDING SOON 💳

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⏳ 19,000 Membership Rewards points welcome offer ends on 30 June

• 8,000 bonus points
• 11,000 additional bonus points

This card is NOT for everyone. Apply only if the benefits align with your travel goals.

🔗 Referral link -
https://t.co/URp3NSqtfY

💰 Annual Fee: ₹10,000 + GST

What you get:
✅ Accor Plus membership
✅ Accor Silver status
✅ 20 Status Nights credit (just 10 nights short of Gold)
✅ Taj Epicure Base membership
✅ Golf benefits
✅ Airport lounge access

📌 My strategy
If you typically stay ~10 nights at Accor hotels every year, the 20 status nights from the card can help you reach Gold status annually (20 + 10 nights).

For many users, this can be a lower-cost route to Accor Gold compared to maintaining a full Accor Plus Explorer membership.

🔗 Referral link -
https://t.co/URp3NSqtfY

DM or comment for more info

#amex #accor #reserve

[cardspointsnmore | Credit cards & Rewards @cardspointsmore]

HDFC Credit Cards 🚨 Voucher Devaluation (w.e.f. 1 July 2026)
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⚠️ Accelerated rewards on SmartBuy vouchers are now capped at 3,000 reward points per calendar month for most cards.

Most impacted cards:
• Infinia
• Diners Club Black Metal
• Regalia Gold

📌 Maximum monthly voucher purchases eligible for accelerated rewards:
• Infinia – ₹22,500
• DCB Metal – ₹45,000
• Regalia Gold – ₹30,000

The overall SmartBuy limits remain unchanged, but voucher purchases were one of the biggest ways to maximize rewards.

What's your strategy going forward?

💬 Comment or DM for more details.

#hdfc #devaluation

[cardspointsnmore | Credit cards & Rewards @cardspointsmore]

Best use would largely depend on utilizing it on various airline partner options to fetch best value on business class tickets.
however the one i prefer for my use case is the simplest option which is utilizing it for Air India and using for domestic travels.

[Vivek Garg @gargvive]

What's the best use for EPM Points now ?

[cardspointsnmore | Credit cards & Rewards @cardspointsmore]

HDFC Boarding Edge Program Experience (Regalia Gold) 💳

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✈️ How to avail
• Upload your boarding pass (not ticket) on the HDFC SmartBuy portal under Boarding Edge

🎁 Choose any 2 benefits
• Hotel room upgrade
• Spa session
• Buffet meal
• Uber voucher

⏳ Most benefits must be used within 6 days of landing. Uber vouchers are valid for 6 months once added to the Uber app.

My experience
• Travel date: 28 Jun
• Redeemed 2 Uber vouchers worth ₹750 each
• T&Cs say vouchers are restricted to the landing city, but the Uber app showed they were valid at multiple airport locations.
• 6-month validity makes Uber vouchers the most flexible option.
• Wanted to try the spa benefit, but 6-day redemption window was too restrictive.

Have you tried the Boarding Edge program? What's your preferred benefit?

DM or comment for more info
#hdfc #ccgeeks

[cardspointsnmore | Credit cards & Rewards @cardspointsmore]

Recently shifted by loyalty to Air India and the points credit system is really fast, got the points credit to account even before take off

One more advantage is that I can create an account for my kid to accumulate points

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#ccgeeks #airindia #travel

[cardspointsnmore | Credit cards & Rewards @cardspointsmore]

Got this mail, ICICI shifting global partnership to Priority Pass from Dreamfolks.

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#ccgeeks

[cardspointsnmore | Credit cards & Rewards @cardspointsmore]

Airtel insider perks like Linkedin premium, MMT advantage and eazydiner prime avilable on Airtel app

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#ccgeeks

[cardspointsnmore | Credit cards & Rewards @cardspointsmore]

Air India Maharaja has become my preferred destination for Axis Points

One quarter back Axis removed Accor as partner

This led to major shift in strategy - moved to HSBC for Accor and now Axis points most likely will slowly move to Maharaja

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[cardspointsnmore | Credit cards & Rewards @cardspointsmore]

Quarter Milestone for Regalia Gold
Unlocks 1500 voucher

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See where you stand on smartbuy to complete before 30th Jun

#ccgeeks

[cardspointsnmore | Credit cards & Rewards @cardspointsmore]

Just utilised the free airport cab drop service to BLR airport with HSBC T1 card

Car - Innova Crysta
Cab arrived half hour early
Very clean cab and a smooth ride of 2 hr 15mins

While they commit for 50kms but mine was 56kms

#hsbc #travelone #ccgeeks

[cardspointsnmore | Credit cards & Rewards @cardspointsmore]

AMEX RESERVE OFFER ENDING SOON 💳

Follow @cardspointsmore

⏳ 19,000 Membership Rewards points welcome offer ends on 30 June

• 8,000 bonus points
• 11,000 additional bonus points

This card is NOT for everyone. Apply only if the benefits align with your travel goals.

🔗 Referral link -
https://t.co/URp3NSqtfY

💰 Annual Fee: ₹10,000 + GST

What you get:
✅ Accor Plus membership
✅ Accor Silver status
✅ 20 Status Nights credit (just 10 nights short of Gold)
✅ Taj Epicure Base membership
✅ Golf benefits
✅ Airport lounge access

📌 My strategy
If you typically stay ~10 nights at Accor hotels every year, the 20 status nights from the card can help you reach Gold status annually (20 + 10 nights).

For many users, this can be a lower-cost route to Accor Gold compared to maintaining a full Accor Plus Explorer membership.

🔗 Referral link -
https://t.co/URp3NSqtfY

DM or comment for more info

#amex #accor #reserve

[cardspointsnmore | Credit cards & Rewards @cardspointsmore]

HSBC Travel One complimentary airport cab service

FINALLY HSBC confirmed not 1 but 2 cabs, one on each card (pickup and drop sorted for next trip)

In the past, they have denied atleast 3-4 times due to unavailability of cabs but this time both requests went through

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Will share the cab experience later this week

#ccgeeks #hsbc

[cardspointsnmore | Credit cards & Rewards @cardspointsmore]

Air India partners with https://t.co/aUsFwM6jE0

earns 5 points on every 100

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