Himanshu Gupta

💳 Credit Card and Miles Enthusiast
🧮 Optimizer
👨‍💻Management Consultant
📚Engineer

[Himanshu Gupta @hgrdr18]

@ameyakarve @ChaiAndMiles In any case! Your content is like a crash course for anyone trying to extract max value out of their cards.
It’s extremely comprehensive valuable information squeezed into an amazingly small length video.

[Himanshu Gupta @hgrdr18]

@hicasamadim 72

[Himanshu Gupta @hgrdr18]

@ccg33k Gold king can find Gold in anything and everything. 😄👏🏻👏🏻

What next? Cred coins to Gold somehow 🤣?

[Himanshu Gupta @hgrdr18]

@vaibhavluthra Yeah! Uptill a week ago it was 200 after 799 spend for me. 100 at 399

Now suddenly, I saw it being halved

[Himanshu Gupta @hgrdr18]

@achillsoul Arshdeep Singh

[Himanshu Gupta @hgrdr18]

@imYadav31 Up for Pickleball?

[Himanshu Gupta @hgrdr18]

@Santoshkt0411 @ashishlath @savesage_club @bethalaluka @CardMintz @PaisaPrinciple Same issue for me.

Have Subscription, have made multiple bill payments as well and I see this.

[Himanshu Gupta @hgrdr18]

@ameyakarve Hey @ameyakarve - Just saw Points paper. Looks quite interesting.
Working on a similar use case of Competitive Intelligence.
One question - How did you circumvent the legality of web scraping?

[CardNiti @CardNiti]

Some people didn't act on the Axis × Accor rumour and missed out.

Then acted on the HSBC × Accor rumour… only to miss out again 🤣😂

[Himanshu Gupta @hgrdr18]

@Param_81 @ccg33k @imYadav31 @cards_wizard @SavingsSimpl @CardMavenIn @AmazingCreditC @credofly Wow! This is interesting, you are the only one whose transfer went through.

[Himanshu Gupta @hgrdr18]

Is this Game over?

#HSBC #Accor #HSBCxAccor

@ccg33k @imYadav31 @cards_wizard @SavingsSimpl @CardMavenIn @AmazingCreditC @credofly

[Himanshu Gupta @hgrdr18]

@Param_81 @ccg33k @imYadav31 @cards_wizard @SavingsSimpl @CardMavenIn @AmazingCreditC @credofly Woah! This is unique.

[Himanshu Gupta @hgrdr18]

@metalgamerak @ccg33k @imYadav31 @cards_wizard @SavingsSimpl @CardMavenIn @AmazingCreditC @credofly Lol! I transferred majority of my points yesterday. Accor bonus would literally be a troll from HSBC. 😂

[Himanshu Gupta @hgrdr18]

@Param_81 @ccg33k @imYadav31 @cards_wizard @SavingsSimpl @CardMavenIn @AmazingCreditC @credofly Not yet!

[Creditkeeda @creditkeeda]

Our first demand 👇

Banks should display Merchant Category Codes (MCCs) on payment pages and POS machines before a transaction is made.

If rewards, exclusions, milestone eligibility, or extra charges depend on MCCs, users deserve full transparency before they pay.

Right now, people are constantly losing rewards because of incorrect MCC mappings:
❌ Car dealers getting tagged as Insurance
❌ Apple Stores showing up as Utilities

And it’s not just about lost rewards anymore. In some cases, users are even being charged extra because of wrong MCC classifications.
This needs to change.

Transparency. Accountability. Clarity.

Show the MCC before payment. Simple.

If you agree, share this post and tag banks, RBI, NPCI, and payment networks in the comments. The more voices raised, the harder this becomes to ignore ✊

Also, share your experience if you’ve ever faced issues because of wrong MCC tagging. Let people know how often this actually happens.

@RBI @NPCI_NPCI @RuPay_npci
@Visa_IND @mastercardindia @AmexIndia @DinersClub
@AxisBank @HDFC_Bank @SBICard_Connect @ICICIBank @IDFCFIRSTBank

#ccgeek #ccgeeks #KJP

[Himanshu Gupta @hgrdr18]

@EvryPaisaMatter Transfer to karliye. But kuch confirmation aayi kya bhai?

[Himanshu Gupta @hgrdr18]

@vaibhavluthra And now HSBC x Accor

[Himanshu Gupta @hgrdr18]

@wittysiddharth 2kg dumbbell is better than having no dumbbell at all.

[Himanshu Gupta @hgrdr18]

@noyes99 @iSatishAgarwal Which card replaced Atlas for you?