Aditya Tak

I do the ₹ math on Indian credit cards: redemptions, devaluations, comparisons, & breakdowns

Building @briefcards because my spreadsheet got tired

[Aditya Tak @pointsbyadi]

Buying a ₹50k Croma voucher for a new phone?

The default move: Infinia via SmartBuy gets you 4,665 points

But Emeralde via iShop gets you 9,000

Same spend, double the return!

I built a tool to find these hidden gaps for your exact wallet.

Here's how you can run yours👇🧵

[Aditya Tak @pointsbyadi]

@RushilM_ Yeah, you can get ~19% or morevalue back using this stack!

https://t.co/slwLbEuf8F

[Aditya Tak @pointsbyadi]

I've saved ₹6,482 on Uber

Same cabs, same fares, not a single coupon.

And that's just the credits from ONE of three reward programs I stack on every ride.

Stacked, they quietly hand back ~19% of what I spend.

Here's the exact stack, & the two steps almost everyone skips 🧵

[Aditya Tak @pointsbyadi]

@jassneetsingha Yeah, you can get 15% more value back using this method

https://t.co/slwLbEuf8F

[Aditya Tak @pointsbyadi]

I've saved ₹6,482 on Uber

Same cabs, same fares, not a single coupon.

And that's just the credits from ONE of three reward programs I stack on every ride.

Stacked, they quietly hand back ~19% of what I spend.

Here's the exact stack, & the two steps almost everyone skips 🧵

[Aditya Tak @pointsbyadi]

I've saved ₹6,482 on Uber

Same cabs, same fares, not a single coupon.

And that's just the credits from ONE of three reward programs I stack on every ride.

Stacked, they quietly hand back ~19% of what I spend.

Here's the exact stack, & the two steps almost everyone skips 🧵

[Aditya Tak @pointsbyadi]

This is the kind of math I run on Indian cards & programs: welcome offers, devaluations, which card pays what in ₹

No hype, no affiliate spin. Just the workings.

Follow @pointsbyadi if you find this useful :))

https://t.co/vy1metpA1G

[Aditya Tak @pointsbyadi]

I've saved ₹6,482 on Uber

Same cabs, same fares, not a single coupon.

And that's just the credits from ONE of three reward programs I stack on every ride.

Stacked, they quietly hand back ~19% of what I spend.

Here's the exact stack, & the two steps almost everyone skips 🧵

[Aditya Tak @pointsbyadi]

I've saved ₹6,482 on Uber

Same cabs, same fares, not a single coupon.

And that's just the credits from ONE of three reward programs I stack on every ride.

Stacked, they quietly hand back ~19% of what I spend.

Here's the exact stack, & the two steps almost everyone skips 🧵

[Aditya Tak @pointsbyadi]

The rule, after 577 rides:

Don't chase the perfect card.

Build the perfect rail, one swipe where a membership, a wallet offer & a coin program all land at once.

Set it up once & keep taking the cabs!

What's your Uber stack? & what's the 4th layer I'm missing?

[Aditya Tak @pointsbyadi]

@karanaggarwal86 hahaha

it happens with all of us

[Aditya Tak @pointsbyadi]

@ccg33k @airindia Yeah, it’s very annoying

I generally call the priority helpline and ask them to find the availability

But book using the app to not pay the convenience fees, not on call

[Aditya Tak @pointsbyadi]

@urabanNomad @jassneetsingha Yes, you get points on tax payments and it counts towards your milestone as well

[Aditya Tak @pointsbyadi]

@maheshbadamm @jassneetsingha Yes!

[Aditya Tak @pointsbyadi]

@milesmintIN Or you can just book an ibis or any Accor hotel and earn some points (in the same city or nearby)

Can also be combined with the Accor Summer offer by staying 2-nights on Cash