Yash Garg | Rewards Sharing 101

Points, perks and payouts - banks fund my lifestyle 🏆 | Rewards Sharing 101 👇

[Yash Garg | Rewards Sharing 101 @rewrdsharing101]

🚀 Four apps, built to solve real problems.

💳 CreditVault OS - Your all-in-one credit card dashboard for rewards, spends, milestones, reminders, CIBIL insights & more.
👉 https://t.co/Plyk1HBRg4

📊 RSDC Tracker - Track RuPay Select Debit Card benefits, quarterly redemptions, eligible cards & never miss a voucher again.
👉 https://t.co/Fx8jBzlOxM

🎁 GiftCard Vault - Securely manage gift cards, track values, discounts, expiry, usage, sales, profit & ROI - with encrypted backups.
👉 https://t.co/DqtqJzZOv1

🧠 MCC Rewards Intelligence - Search any merchant, see its MCC, and know exactly which cards reward it - community-reported & confirmed.
👉 https://t.co/Ai94I4Mfpb

First three are fully local - your data never leaves your device. No accounts, no cloud, nothing to leak. The fourth is community-powered: your reports make it smarter.

Give them a try and let me know what you think! 👇

#BuildInPublic #CreditCards #FinTech #India #ccgeeks #indiancreditcards

[Yash Garg | Rewards Sharing 101 @rewrdsharing101]

🚨 RBL Bank reversed my IRCTC card fee after one email 👇

The RBL IRCTC card has an annual fee. I wrote to RBL's Principal Nodal Officer and asked for it back.

✅ Fee reversed: ₹500
✅ Wrote on 24 May, RBL confirmed on 27 May
✅ Alert came: "Membership Fee reversed"

What worked:
1️⃣ Email the Principal Nodal Officer, not just the call centre
2️⃣ Say plainly what you want: fee reversal
3️⃣ Keep the case ID and reply on the same thread
4️⃣ If they say "write back after the fee is charged", do exactly that

Ask. The worst they say is no.

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#RBLBank #IRCTC #CreditCards #RewardsSharing101

[Yash Garg | Rewards Sharing 101 @rewrdsharing101]

@CardMavenIn "Deserves" 😂

[Yash Garg | Rewards Sharing 101 @rewrdsharing101]

@SubhaPramanick8 @CardMavenIn Nah bud, i just use samsung composer to fix any spelling error or grammer, btw whats the prob in using ai? 🤔

[Yash Garg | Rewards Sharing 101 @rewrdsharing101]

SBI Card T&C booklet: https://t.co/sb1BjdM4G1

[Yash Garg | Rewards Sharing 101 @rewrdsharing101]

🚨 New card: Google Pay Flex SBI Card is live (RuPay and Visa) 👇

SBI Card and Google Pay have launched a co-branded credit card where the rewards come as Google Pay "Stars", not regular SBI reward points.

How the rewards work (from the card's terms):
✅ You earn Stars on eligible payments made with the card
✅ First two billing cycles: 2 Stars for every ₹500 spent
✅ After that, spend ₹15,000+ in a cycle to move from 1X to 2X, and ₹30,000+ to reach 4X
⚠️ Stars are capped at 1,500 per billing cycle
⚠️ The milestone boosts are an introductory offer and can change
⚠️ Milestone Stars are paid by Google Pay, not SBI Card

Before you apply: check the joining fee and what one Star is worth in rupees, since that decides whether the earn rate is actually good.

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#SBICard #GooglePay #CreditCards #RewardsSharing101

[Yash Garg | Rewards Sharing 101 @rewrdsharing101]

SmartBuy rules: https://t.co/sSfeGKG8u0
Infinia T&C: https://t.co/1Oxlkmcaox

[Yash Garg | Rewards Sharing 101 @rewrdsharing101]

🚨 "Book a hotel, cancel it, pocket 10X points" is going around. Here's why it backfires 👇

The pitch: earn big accelerated points on a refundable hotel booking, cancel it, take the refund as wallet money, keep the points.

What the fine print says:
⚠️ Points can be reversed when a booking is cancelled
⚠️ Wallet-style top-ups are excluded from rewards on premium cards
⚠️ Accelerated earn has monthly caps, and the rules were tightened from 1 July 2026
⚠️ Repeating the same pattern is what gets cards flagged

Even people who say it worked say it's now hit and miss.

Real way to get 10X: actually take the trip.

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#CreditCards #Rewards #Travel #Loophole #RewardsSharing101

[Yash Garg | Rewards Sharing 101 @rewrdsharing101]

@imYadav31 Haha the ₹0.15 trap is real 😂 statement cashback is the first button everyone hits. Even the SmartBuy route caps points at 70% of the booking, so 30% still goes in cash. Accor is the only lane that truly beats plain cashback

[Yash Garg | Rewards Sharing 101 @rewrdsharing101]

@artijourno Conflicting signals today - Moneycontrol reports the steering committee meeting was called off and the decision is 'in limbo'. The NPCI FAQ dated 15 Sept still has 15 Oct on paper. Until NPCI or DFS issues a fresh notice, it's merchants holding the uncertainty, not users.

[Yash Garg | Rewards Sharing 101 @rewrdsharing101]

@SurendraMsuren Big private banks first, history says 😄 rent, wallet and education exclusions all started with HDFC/ICICI/SBI Card before smaller issuers followed. Co-ops don't have the margin room to move first - they react.

[Yash Garg | Rewards Sharing 101 @rewrdsharing101]

🚨 UPI MERCHANT FEE: START MAY SLIP TO JAN 2027

Reports on 8 Oct say the government may delay the 0.4% MDR on UPI merchant payments, now set for 15 Oct. The new date being discussed: January 2027 👇

What stands for now (per the government's MDR FAQ):
💸 0.4% MDR on merchant payments above ₹2,000
🧢 Capped at ₹300 per transaction (₹75,000 and above)
✅ Customers pay nothing extra to use UPI
📅 Scheduled start: 15 Oct 2026

No official notice on the delay yet. Reports cite a regulatory official and an industry executive.

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#UPI #NPCI #Fintech #RewardsSharing101

[Yash Garg | Rewards Sharing 101 @rewrdsharing101]

@jassneetsingha The guaranteed backdoor 😄 SBI has an FD-backed 'Secured Advantage SBI Card' on YONO - fully digital, issued against your SBI fixed deposit. Build the relationship there for a few months, keep limits lean on your other cards, and the over-leveraged flag usually clears.

[Yash Garg | Rewards Sharing 101 @rewrdsharing101]

@DealsDhamaka True, for 25L+ spends it's hard to beat 😄 12 RP/₹200 at 5:4 transfers = 4.8% on regular spends, and above ₹1.5L/month it jumps to 35 RP/₹200. The high-spend math is exactly why it wins there.

[Yash Garg | Rewards Sharing 101 @rewrdsharing101]

@imYadav31 Hahaha fair 😂 caps over exclusions any day. But if ₹2.06L is real, that's 14x Emeralde Private Metal (₹12.5k+GST) - at that fee nobody's counting utility points, the welcome benefit itself has to pay the bill 😅

[Yash Garg | Rewards Sharing 101 @rewrdsharing101]

🚨 ICICI's MakeMyTrip cards: zero forex, but they're cutting your rewards 👇

ICICI has told cardholders about changes on the MakeMyTrip ICICI Bank MasterCard and RuPay credit cards.

The good:
✅ Forex mark-up on international spends: 0.99% → 0%

The not-so-good:
⚠️ Reward points on international transactions are discontinued from 10 Nov 2026 (it was 1% back in rewards)
⚠️ myCash no longer lasts forever: it now expires 24 months after it's credited, from 10 Nov 2026

What this means:
💳 Spend ₹1 lakh abroad: you save ₹990 on forex, but lose about ₹1,000 worth of rewards that used to come with it
🕒 Sitting on myCash? Use it within 24 months

Tip: if you travel abroad a lot, compare the zero forex against what you earned before on international spends. If you mostly use myCash on MMT bookings, plan to spend it before it expires.

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#ICICI #MakeMyTrip #CreditCards #Forex #RewardsSharing101

[Yash Garg | Rewards Sharing 101 @rewrdsharing101]

Update: 20-30 members from our RS101 community have already received their refunds in the past week 🎉 The grievance route works. Format is in the WhatsApp channel 👇

[Yash Garg | Rewards Sharing 101 @rewrdsharing101]

🚨 Flipkart Black suspended? Here's how to claim your refund 👇

Lots of people are posting about Black memberships getting cancelled. Almost nobody tells you how to get your money back.

Flipkart's own terms say the fee is non-refundable if you cancel. But if Flipkart ends your membership, you can ask for a pro-rata refund for the unused months.

What to do:
1️⃣ Email Flipkart's Grievance Officer: [email protected]
2️⃣ Say when you joined and when it was cancelled
3️⃣ Ask for a pro-rata refund of the unused period
4️⃣ Keep the reply and the ticket reference

Under the E-Commerce Rules, the grievance officer has to acknowledge within 48 hours and resolve within one month.

Heads up: the refund usually comes as a Flipkart gift card, not back to your bank.

Find the ready-to-send email format in our WhatsApp channel 👇

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#Flipkart #FlipkartBlack #Refund #ConsumerRights #RewardsSharing101

[Yash Garg | Rewards Sharing 101 @rewrdsharing101]

Rule 4(5), Consumer Protection (E-Commerce) Rules 2020: https://t.co/bsTLBbROTd

[Yash Garg | Rewards Sharing 101 @rewrdsharing101]

@DoBaniye 🌝🌝🌝🌝

[Yash Garg | Rewards Sharing 101 @rewrdsharing101]

ICICI Amazon Pay card T&C: https://t.co/LdxJ2KUA6u

[Yash Garg | Rewards Sharing 101 @rewrdsharing101]

🚨 I found a loophole people use to turn Amazon Pay balance into extra rewards. Read this before you try it 👇

Here's the idea doing the rounds: put a credit card's Amazon spend on the Amazon Pay wallet, or take a cancelled order's refund into the wallet, then use or pull that balance out. In theory you earn card rewards on money you were going to move anyway.

I looked at what the card terms say, and the catch is bigger than the hype:
⚠️ ICICI's Amazon Pay card charges 1% on wallet loads of ₹5,000 or more (from 15 Jan 2026)
⚠️ Wallet loads sit in their own category, so don't assume the 5% Amazon rate applies
⚠️ Cashing wallet or voucher balance out to a bank usually costs you a fee, and it can look like misuse of the wallet
⚠️ Banks can cap rewards, reverse them or flag the account if the pattern looks like cycling

And please don't do the order-cancelling part. Every order placed just to be cancelled costs a small seller shipping, packing and a returned item, and that hits small businesses hard. The gain is not worth it.

So the upside can be a rounding error, and the downside is a blocked wallet, a reversed reward and a seller who pays for it. I'm not sharing a how-to. Check your own card's terms first.

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#Amazon #CreditCards #Rewards #Loophole #RewardsSharing101