Rishabh Agrawal

💳 Credit Cards & Loyalty Rewards Enthusiast ✈️ I Personal Finance 🏦| 💸Money-Saving Hacks | Simplifying money so you keep more of it 💡

[Rishabh Agrawal @rishabh_101]

Many buy ₹10K Amazon Pay vouchers, but here’s what real reward looks like after fee n gst 👇

💳 Infinia: 1650pts (5X) - ₹531 = 11.1%
💳 DCB: 990pts (3X) - ₹531 = 4.6%
💳 ICICI EPM: 1800pts (6X) - ₹295 = 15% 🏆
💳 Amex Plat Travel: ₹500 - ₹177 = 3.2%

#ccgeeks #AmazonPay #PointsHacks

[Rishabh Agrawal @rishabh_101]

Just in time completed 4L milestone of Amex Plat Travel ✅

👉Yet to complete ur milestone then do following without overspending:

1. Cut off date is 9 March. So soend by 7 march so that Amex has 2 days to realize.

2. Prepone school and insurance payments

3. Buy coupons from Shopwise

[Rishabh Agrawal @rishabh_101]

Welcome news! Government taking measures to help travellers is much appreciated

[Globe Eye News @GlobeEyeNews]

BREAKING:

Abu Dhabi and Dubai order all hotels to extend stays for those unable to travel due to the circumstances, and the government will cover the cost.

[Rishabh Agrawal @rishabh_101]

Amex is quietly revamping its Travel platform.

Earlier they sent emails to all card holders that they are moving to ShopWise (No body knows what is it), parting ways from Gyftr.

Amex is one customer first CC so I really hope these all are welcome change, amidst growing devaluation theme in 2026
#ccgeeks

[Rishabh Agrawal @rishabh_101]

@suritalreja and bad poha!

[Rishabh Agrawal @rishabh_101]

@subhans_singh @NotYourGuide @ameyakarve Yesssss

[Rishabh Agrawal @rishabh_101]

🚨📢 Urgent Guidance Needed!

🛫 20,000 Emirates Skywards points expiring soon. No flight redemptions possible.

Remaining transfer options:
• Marriott Bonvoy → 13,300 pts (3:2 ratio)
• Accor Live Limitless → 5,000 pts (4:1 ratio)

Which one should I choose?

Any other options? → Comment 💬
#ccgeeks #travel #emirates

[Rishabh Agrawal @rishabh_101]

@KamalGupta76300 Using multiple GenAI tools like @grok @Copilot @ChatGPTapp which ever gives better results. But requires good solid prompting and iterations !

[Rishabh Agrawal @rishabh_101]

@ameyakarve I would like to Thank you now !🙏🙂 Amazing find!

[Rishabh Agrawal @rishabh_101]

@ccg33k Seems like will go for value hunt 🙂

[Rishabh Agrawal @rishabh_101]

@SwipesAndSmiles @niteshghumatkar Make sense. Thanks @SwipesAndSmiles

[Rishabh Agrawal @rishabh_101]

@niteshghumatkar Interesting. But Accor gives 2 Rs straight value, no ?

[Rishabh Agrawal @rishabh_101]

@ccg33k @niteshghumatkar @LiveFromALounge @thepointsguy any tips?

[Rishabh Agrawal @rishabh_101]

Love the way small bank are also upping their credit card game 🔥

[Yash Sartanpara @SartanparaYash]

Equitas Small Finance Bank has recently refreshed its credit card lineup,
Here is a quick breakdown of their current top three cards and Their tips and tricks.

Get your equitas cards here - https://t.co/mkJBOsc6kq

1. Equitas Selfe Card (The "DIY" Card)
- 5X rewards on selected categories, Choose between Visa or Rupay (Yes 5x/10% valueback on UPI). or 2% base.

- The Hook: You can choose 2 out of 5 categories (e.g., Dining, Grocery, Utility, Apparel) to earn 5X rewards. Yes even on Gold purchases and utilities spends. and there are a few friendly merchants available on these MCC.

- Typically ₹1000 fees but available FYF. Spend 2.4L to get next year free.

2. Equitas PowerMiles Card (The Travel Card)
- 3x/9% valueback On international transactions online and offline.

- The Hook: 3% base rewards for most categories. spend ~4.8L and waive off the fess plus 1.2L spend withing 90 days to waive off the joining fees.

- Redemption: It features a 1:1 transfer ratio for airline and hotel miles via their 'Xchange' program, which is competitive for a mid-range card.

3. Equitas Tiga Card (The Real UPI card)
- 3x accelarated valueback on Upi transactions

- The Hook: 3% cc on upi and 1% base rewards for most categories.

- Available LTF.

4. Priviledge Program
- 4 tiers, Higher tier gives amazon and movie vouchers every quarter for extra valueback.

- Diamond tier MMT vouchers are generic and can be used on anything. Great valueback.

- Total 8750 worth of vouchers for reaching diamond tier once a year and extra valueback for subsequant tier achivements. thats almost ~3% extra valueback on top of regular and accelarated rewards.

- One dont have to get diamond tier every quarter, plan and get diamond tier once to redeem everything.

- Amazon pay gvs available as redemption option for Rewards points which means almost full valueback.

- No such exclusions for tier evaluation, all spends counts.

- Zero Forex for diamon tier

5. MITC
- Government spends are exluded but Educational is not.

- Utilities and Grocery RPs are capped at 2000 per month. Insuranec RPs capped at 2000 per day

Note - The percentage valueback is mentioned as per the diamond tier redemption. it will drop according to your spends and tier achivement.

Sounds interesting? get your equitas cards here - https://t.co/mkJBOsc6kq

[Rishabh Agrawal @rishabh_101]

@imYadav31 Time is essence!

[Rishabh Agrawal @rishabh_101]

@suritalreja @imYadav31 Ek aur devaluation!

[Rishabh Agrawal @rishabh_101]

@ankitdewan Sir jee mera toh ek prediction theek hua hai .. apke anginat 🙏🫡

[Rishabh Agrawal @rishabh_101]

With recent devaluation and no transfer partners yet, prediction is coming true - 2026 would see tragic end of EPM 💀🪦⚰️

#EPM #ccgeeks #creditcard

[Rishabh Agrawal @rishabh_101]

Will Emerald Private Card last beyond 2025? I doubt

✋New Voucher limitations with already limits on categories

🟰No transfer partners (only AI)

🙅‍♂️Getting hard to acquire one

I think HSBC, HDFC & Axis CC will eat EPM’s lunch in 2026

What do you think? #ccgeeks

[Rishabh Agrawal @rishabh_101]

@HydREGuide @honourprop369 Yes perhaps most under rated residential complex. I see prices going through roof for this one.

[Rishabh Agrawal @rishabh_101]

Thanks to @jassneetsingha who was to break the news