Arjun | Think In Points

Breaking down smart money moves, pointwise!
💲Personal Finance | 💳 Credit Cards | ✈️ Travel Hacks

[Arjun | Think In Points @think_in_points]

It’s funny how aggressive marketing can mess with your head.

HDFC has been sending me the same push notification EVERY single day to upgrade my LTF Diners Club Black → Diners Club Black Metal.

And the thing is, when you see something daily, two things can happen -
1️⃣ You get irritated and completely tune out the brand
OR
2️⃣ You start actually considering it, even when you logically don’t need it.

I caught myself in the second bucket for a moment.

“Should I just take the Metal upgrade? Another metal card flex?”

That thought genuinely crossed my mind.

Then I had to remind myself -
▶️"Bro, I already have the LTF DCB card, zero pressure to extract value, zero mental burden."

▶️The moment I switch to paid metal, I’m automatically chasing spends, milestones, and ROI. Completely unnecessary.

So yeah… I’m sticking to my LTF one!✅

But it’s crazy how subtle marketing psychology works.

If you’ve ever fallen for something just because you saw it repeatedly… same boat.

#DCB #CreditCards #DinersClub #HDFC

[Arjun | Think In Points @think_in_points]

A lot of our investment philosophy is simply shaped by the era we grow up in.

One reason our parents trusted FDs so much was because they had seen FD rates at 10–12%.

Similarly, our generation strongly believes in equities because we’ve largely experienced an era of repeated V-shaped recoveries. Every major dip eventually bounced back and rewarded investors quite well.

But markets don’t always behave like that.

There have also been long periods globally where stock markets delivered almost nothing for a decade. Imagine starting your investing journey during such a phase. Your psychology towards equities would probably look very different.

Our conviction towards any asset class is often heavily influenced by the cycles we personally witness.

[Arjun | Think In Points @think_in_points]

Annual trek plans to check fitness levels 😉

So far so good. Being regular with workouts definitely helps with the strength and endurance.

[Arjun | Think In Points @think_in_points]

Given how Nifty has performed over the last couple of years, I feel a better short-term strategy is to just max out all your monthly Amazon Pay, Flipkart, Myntra, etc. voucher limits using your premium credit cards and lock in those 10–18% reward rates instead 😆

At the end of the day, these are expenses you’ll eventually incur anyway. So in some weird way, it’s basically like creating an FD for your future spending.

[Arjun | Think In Points @think_in_points]

@EvryPaisaMatter Amit Ji ke bahut videos dekhe hai Indusind Tiger Credit Card ke. Lagta hai ab lene ka samay aa gaya hai 😁😁

[Akash @ccg33k]

IndusInd Tiger Card Revalued! 🔥🤯

The Air India miles transfer ratio has been upgraded from 2:1 to 1:1.

You can now earn up to 6% Air India miles on a Lifetime Free (LTF) card!

Reward Rate:

Up to ₹1 lakh spends: 1% miles
₹1 lakh – ₹2.5 lakh spends: 2% miles 🔥
₹2.5 lakh – ₹5 lakh spends: 4% miles 🔥🔥
Above ₹5 lakh spends: 6% miles !!! 🔥🔥🔥

Also get
8 complimentary domestic lounge visits per year
2 complimentary international lounge visits per year
2 complimentary movie tickets worth up to ₹500 each per year via BookMyShow
1 complimentary golf game or lesson per quarter (4 per year)

Is there a better Lifetime Free credit card than this right now? 🤔

Interested ? Apply here -> https://t.co/cZGgwPp6zn

[Arjun | Think In Points @think_in_points]

@LiveFromALounge Had the exact same thought when I read this 😂

[Savings Simplified @SavingsSimpl]

Wait… 6% Air India miles on an LTF card? 🤯🔥

IndusInd Tiger just became a lot more interesting for AI lovers.

Air India Maharaja transfer ratio upgraded from 2:1 → 1:1 (as per latest updates)

Apply Link - https://t.co/BLKraNQEH0

That means the Lifetime Free IndusInd Tiger Card can now deliver up to 6% Air India miles value depending on your annual spends ✈️

[Arjun | Think In Points @think_in_points]

Can you guess this airport just from the takeoff view? 👀🌊

[Arjun | Think In Points @think_in_points]

A lot of our investment philosophy is simply shaped by the era we grow up in.

One reason our parents trusted FDs so much was because they had seen FD rates at 10–12%.

Similarly, our generation strongly believes in equities because we’ve largely experienced an era of repeated V-shaped recoveries. Every major dip eventually bounced back and rewarded investors quite well.

But markets don’t always behave like that.

There have also been long periods globally where stock markets delivered almost nothing for a decade. Imagine starting your investing journey during such a phase. Your psychology towards equities would probably look very different.

Our conviction towards any asset class is often heavily influenced by the cycles we personally witness.

[Gurjot Ahluwalia @gurjota]

Indian stock market
1 year return -5%
2 year return 0%

I will never abuse bank fixed deposits again!

[Arjun | Think In Points @think_in_points]

@Anirban12Mandal It's a good card if you're in their top tier and have international spends coming up.

[Arjun | Think In Points @think_in_points]

@ankitXtech MutualFundsSahiHai 😁
SIP karo

[Arjun | Think In Points @think_in_points]

@suritalreja Sahi me 😂😂

[Arjun | Think In Points @think_in_points]

Liquid Funds for emergencies in CCGeek World 🤓

[Rohit @kardgeek]

@CatchMeAbhiOrb Always! 🙂

[Arjun | Think In Points @think_in_points]

Super chill workdays make you feel, “Why am I even working from home? I should just go work from the hills somewhere.”

And then the exact day you decide to do that becomes the most hectic workday imaginable.

Suddenly every meeting, presentation, escalation and “quick sync” magically lands on those days when you're working from elsewhere.

[Arjun | Think In Points @think_in_points]

@Garoujanega Yep, the excuses never end.
https://t.co/wVkolapccQ

[Arjun | Think In Points @think_in_points]

A very valid point raised here. Spot on observation!

Every time governance issues are discussed in India, even I increasingly see the argument shifting from “Is India being governed well?” to “India is very difficult to govern”.

[Arjun | Think In Points @think_in_points]

As more Indians start travelling abroad, criticism of India is naturally increasing and honestly, I don’t understand why some people get so offended by that.

You don’t even need to visit ultra-developed countries anymore. Even places like Sri Lanka or many Southeast Asian countries show you that cleaner cities, better roads, civic sense and more orderly public behaviour are actually achievable in crowded developing nations too.

And once people see that, it’s natural to start questioning: “If this is possible there, why not here?”

That questioning is not “anti-India”. In fact, that’s how societies improve. People realise there are better systems, better civic behaviour and better governance models possible and then start demanding the same standards back home.

What I don’t understand is the instant defensiveness whenever someone points these things out after travelling abroad. There’s immediately a group of people saying things like: “First foreign trip and now he’s dissing India.” “These people go abroad once and suddenly start hating India.”

Acknowledging problems and learning from countries that are doing certain things better is not hatred. It’s literally how progress happens.

[Arjun | Think In Points @think_in_points]

@Texartfromheart Absolutely! 💯💯

[Arjun | Think In Points @think_in_points]

@Jayindcan I agree there are a lot of such folks who exist. But not all are like that.

[Arjun | Think In Points @think_in_points]

@Money_KiBaat Absolutely! 💯💯

[Arjun | Think In Points @think_in_points]

@ankitdewan I was I was.. I meant pokemon tazos only 😁

[Arjun | Think In Points @think_in_points]

As a kid, I used to collect Pokémon and Jenga cards.

Never thought adulthood would basically become collecting credit cards… to collect gold coins.

Adult version of the same hobby, just significantly more expensive.

[Arjun | Think In Points @think_in_points]

Claude Limits have been reset for this week for Pro and Max users!

[ClaudeDevs @ClaudeDevs]

We've reset 5-hour and weekly rate limits for all users on Pro and Max plans.

We fixed an issue that caused some Claude Code sessions to spawn excessive parallel subagents, burning through usage faster than expected.

[Arjun | Think In Points @think_in_points]

Turns out the HSBC Apple offer is only for Premier cardholders 😮‍💨
Had it been TravelOne, it would have been a good time to replace my wife's iPhone, which is due for an upgrade 😂