Using credit cards responsibly can boost your CIBIL and save you from unnecessary interest and penalties.
Follow @cardspointsmore
Build these rules around your credit cards to avoid additional charges, overspending, earn more rewards, improve CIBIL.
#ccgeeks#creditcards #cibil
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
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
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
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
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.
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
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
follow @cardspointsmore#ccgeeks#airindia#travel
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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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
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
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