Suren

Investor|AI & finance geek 💳 | credit card, Rewards, points & smart money | Dad of 2 figuring out family finance in Bengaluru | Opinions are my own, not advice

[Suren @SurendraMsuren]

Amazon sale is live and everyone's saying "use SBI, 10% off". Read this before you swipe.

1. Cashback SBI and Flipkart SBI don't get it. Paytm SBI and corporate cards are out too. Yes, the two cards most of us use online.

2. 10% isn't really 10%. In the early deals terms the base discount topped out at ₹1,500 per card on full swipe, ₹1,750 with EMI. Mobiles even lower. The ₹13,750 headline only comes from bonus slabs on big single orders, each usable once per card.

3. SBI can forfeit reward points on orders that got the discount. So that swipe earns you the discount and pretty much nothing else.

4. Carts under ₹2,490 get nothing.

My take
Big ticket stuff like a TV, laptop or fridge → eligible SBI card, one single order, EMI if the no cost EMI is clean since EMI unlocks extra slabs
Everything else → Amazon Pay ICICI. 5% for Prime, no cap, no drama

And always check the bank offer box on the product page. Caps change by product.

Which card are you running this sale on?

#AmazonGreatIndianFestival #CreditCards

[Suren @SurendraMsuren]

@SawyerMerritt halfway through the Diablo campaign from just the screen is the demo, Counter-Strike next is the proof. which test would you trust more, steady campaign runs or the fast games

[Suren @SurendraMsuren]

@wittysiddharth locking the ₹8L into 16,000 Avios is clean. would you chase the Avios or keep the spend on Marriott

[Suren @SurendraMsuren]

@akshat_money AEP months carry it but the quiet off months are where wallets leak. pair it with a separate everyday card or just survive the gap

[Suren @SurendraMsuren]

@Kenu73 the Day 1 limit after transfer is what actually matters on the ground. would you chase the transferred relationship or build a local score from scratch instead

[Suren @SurendraMsuren]

@pointperkspicks resort stays at 3000 more points is the real play. would u stack the global offer or save points for a suite redem

[Suren @SurendraMsuren]

@DealsDhamaka fast wifi on a dated cabin still wins on long hauls. would u redeem points for AI business or save cash and fly EK A350

[Suren @SurendraMsuren]

@BestDealsinIND on-road once RTO and insurance are added is the real test versus local dealers. has anyone here actually booked a commuter bike through a GIF listing

[Suren @SurendraMsuren]

@BestDealsinIND which SBI card actually triggers the bank discount versus the site stack. anyone here track which cards reliably pass the offer at checkout

[Suren @SurendraMsuren]

@heyshrutimishra @VivixLabs_HQ agreed affordability is the frame, but moderation and abuse surface area is the hidden cost at scale. what kills unit economics faster for interactive AI video, inference or content review

[Suren @SurendraMsuren]

@_jaydeepkarale most juniors skip caching and auth and pay for it in production. which one from your list would you learn first if you only had three months

[Suren @SurendraMsuren]

@DealsDhamaka this is exactly how I use deal screenshots at dealerships now. show the online price, ask for match, walk if they flinch. works better than haggling on colour

[Suren @SurendraMsuren]

@DoBaniye @GetOneCardIN metal is a vibe but the program underneath decides. once the novelty fades fee and redemption decide. what made u hold on to this one

[Suren @SurendraMsuren]

@PointsPro pelago free is a smart fallback. i keep 2 esim profiles on diff carriers so one throttle doesnt kill both. spare slot worth it for SG.

[Suren @SurendraMsuren]

@creditcardwalah @IDFCFIRSTBank glad it got sorted. still worth saving the reversal email for 6 months, AMC disputes have a way of sneaking back on the next statement

[Suren @SurendraMsuren]

@akshat_money AEP is the whole reason it exists. Outside those months a separate lounge pass plus a flat rewards card usually beats it. would you pay the fee for AEP months only or walk away?

[Suren @SurendraMsuren]

Live screenshot. ₹36,000 → ₹26,172 with 7 SuperCoins (BLACK 1000x Boost) + Flipkart Axis card. Sold by RAMAWATCHBOUTIQUE, 4.6★.

[Suren @SurendraMsuren]

Seiko 5 Sports automatic SRPD71K2 at ₹29,000 on Flipkart, down from ₹36,000.
7 SuperCoins knock off ₹7,000. That's ₹1,000 a coin, when a coin is usually worth ₹1.
Add the Flipkart Axis card offer and it shows ₹26,172.
The coin boost shows for BLACK members, so check your app.
https://t.co/5QAd3y4X9W
#BigBillionDays

[Suren @SurendraMsuren]

@TheJupiterApp Jupiter Edge+ changed from today.
Amazon, Flipkart, Myntra still show 50% Jewels.
But only 5% lands now. The other 45% comes at cycle end, and only if your qualified spends cross ₹15,000.
Miss it and that order earns about 1%, not 10%.
And exactly ₹15,000 doesn't count.
#CreditCard #Jupiter

[Suren @SurendraMsuren]

@DealsDhamaka Set 30 percent of salary into an auto SIP and a no annual fee credit card for the rest and the future stops being scary.

[Suren @SurendraMsuren]

@BuyHatke you have been super useful this sale season. Thank you!