Miles to go before we sleep 🧭✈️. Just a #ccgeek trying to help you travel places at a discount or a little bit more 😉. Did my content help you ? Appreciate ⬇️
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✈️ Miles2Go 30-Day Challenge | Day 3/30
My top 5 rewards & miles cards in India and what you should know before applying.
These cards can unlock some excellent travel redemptions, but the headline earn rate isn’t everything. Transfer ratios, monthly caps, fees and eligibility can change the equation completely.
1️⃣ Axis Magnus for Burgundy (M4B)
Best card in the world bar none, but only for high spenders.
• Earn 12 EDGE Rewards per ₹200 on eligible spends
• Earn 35 EDGE Rewards per ₹200 on eligible incremental spends above ₹1.5L/month
• 20+ airline and hotel partners, with transfer ratios of up to 5:4
• Annual transfer cap of 10L EDGE Rewards: 2L for Group A and 8L for Group B
💰 Fee: ₹30,000 + taxes, waived at ₹30L annual spend.
⚠️ The catch: You need to qualify for Axis Burgundy through the applicable balance, relationship value or salary criteria. Several spend categories earn no rewards, and accelerated earnings are capped wrt credit limit.
Don’t qualify for Burgundy yet? You can consider regular Magnus and explore an upgrade once eligible.
👉 Apply for regular Magnus: bitli.in/RHPYRmt
2️⃣ HSBC TravelOne
A useful option if you want travel benefits without a ₹30,000 annual fee.
• 2 points per ₹100 on eligible spends
• 4 points per ₹100 on flights, travel aggregators and forex
• Transfers to 15 airline and 5 hotel partners
• 15% discount on Yatra, EaseMyTrip, Paytm and Cleartrip.
💰 Fee: ₹4,999, waived on ₹8L eligible annual spend.
⚠️ The catch: The base earn rate is fairly ordinary. The value comes from combining transfer partners with travel offers and frequent bonuses but discounts have booking-level caps, and transfer ratios vary by partner.
👉 Apply: bitli.in/SDgdjHK
3️⃣ HSBC Premier
For those who can qualify for the Premier banking relationship, this card deserves a look.
• 3 points per ₹100 on eligible spends
• Points don’t expire
• Selected airline and hotel transfers at 1:1
• Up to 12X points through Travel with Points
💰 Fee: ₹12,000 joining fee and ₹20,000 annual fee; renewal fee waiver for qualifying Premier customers.
⚠️ The catch: The banking relationship is the real barrier. Eligibility can involve a ₹50L relationship value, a ₹3L monthly salary credit or mortgage route.
4️⃣ HDFC Diners Club Black Metal
A strong option for regular spending if you can make good use of its quarterly milestones.
• 5 Reward Points per ₹150 on eligible retail spends
• 10,000 bonus points for every ₹4L spent in a calendar quarter.
• Additional accelerated earning through SmartBuy.
💰 Fee: ₹10,000 + taxes, waived at ₹8L annual spend.
⚠️ The catch: Diners Club acceptance can also be an issue, so keep a Visa or Mastercard backup.
👉 Apply: bitli.in/5wV3v5p
5️⃣ IndusInd Avios Visa Infinite
Worth considering if you specifically want to earn Avios for One World redemptions.
• 3 Avios per ₹200 on general eligible spends
• 5 Avios per ₹200 on Qatar Airways/BA bookings
• 6 Avios per ₹200 on card-present spends at your selected international destination
• 20,000 joining Avios, plus milestone bonuses at ₹8L and ₹16L annual spend
💰 Fee: ₹10,000 + GST in year one; ₹5,000 + GST on renewal.
⚠️ The catch: Forex markup is 1.5% at your selected destination versus 3.5% elsewhere.
👉 Apply: bitli.in/uq8YqJy
🤔 What about HDFC Infinia?
DCBM has a quarterly milestone bonus that Infinia doesn’t offer in the same way. But Infinia can still be the better fit if you get strong value from SmartBuy and its redemption options.
A couple of other cards worth knowing about:
• Amex Platinum Travel - Applications paused
• Axis Atlas - Applications paused
• Air India loyalists: You could also consider ICICI Emeralde Private Metal and Times Black for Maharaja Points transfers.
✈️ My takeaway: Cashback is straightforward. Miles need a little more homework but the right card and the right redemption can deliver much better travel value.
#Affiliate Links
Miles2Go 30-Day Challenge | Day 2/30 💸
My top 5 cashback credit cards in India and the catch with each.
There’s no single best cashback card. The right one depends on where you already spend, the caps you can use and the exclusions you need to watch.
Here are 5 cards I’d shortlist.
1️⃣ HSBC Live+ | Everyday category spending
• 10% on eligible dining, food delivery, grocery, shopping and utility spends, capped at ₹1,200/month.
• 1.5% on most other eligible spends.
• Fee: ₹999, waived above ₹2L eligible annual spend.
⚠️ Amazon, Flipkart and Myntra generally earn 1.5%, not 10%, outside applicable promotions. City and income eligibility also apply.
Apply : bitli.in/uTFkz7m
2️⃣ SBI Cashback | Broad online spending
• 5% on eligible online spends; 1% offline.
• Separate ₹2,000 caps for online and offline cashback per statement cycle.
• Fee: ₹999, waived at ₹2L eligible annual spend.
⚠️ Utilities, fuel, insurance, rent, wallets, education, jewellery, railways, gaming, tolls, government transactions and EMI are among the exclusions. Online doesn’t mean everything qualifies.
Apply : bitli.in/pJQbHXO
3️⃣ Flipkart Axis | Platform shoppers
• 7.5% on Myntra; 5% on Flipkart and Cleartrip.
• ₹4,000 quarterly cashback cap for each accelerated category.
• 4% on preferred merchants; 1% on eligible other spends.
• Fee: ₹500, waived above ₹3.5L eligible annual spend.
⚠️ Quarterly caps and exclusions apply. Great if you already shop on these platforms.
Apply : bitli.in/iiZ6d6Y
4️⃣ Axis ACE | Bills and food delivery
• 5% on eligible bills and recharges via Google Pay.
• 4% on Swiggy, Zomato and Ola.
• These accelerated categories share a ₹500 statement-cycle cap.
• 1.5% on eligible other spends.
• Fee: ₹499, waived above ₹2L eligible annual spend.
⚠️ The accelerated bucket is small. This isn’t unlimited 5% cashback on bills.
Apply : bitli.in/AUzIp97
5️⃣ Tata Neu Infinity SBI Card | Tata spends + UPI
• 5% back as NeuCoins on eligible Tata Neu/partner-brand spends, plus up to 5% extra on select Tata Neu categories.
• 1.5% on other eligible spends, including merchant UPI payments on the RuPay variant. UPI rewards capped at 500 NeuCoins/month.
• Fee: ₹1,499 + taxes, waived at ₹3L annual spend.
⚠️ 1 NeuCoin = ₹1 within Tata Neu/participating brands, not statement cashback. Grocery, insurance, utilities and telecom/cable each have a 2,000-NeuCoin monthly cap. Fuel, rent, wallets, gift cards/vouchers, government, education, gaming and EMI spends are excluded.
Apply : bitli.in/3EJDf8x
Tomorrow: my top 5 rewards and miles cards, including the transfer ratios and eligibility catches that matter. ✈️
Note : Although all the recommendations are genuinely my own but the links posted are affiliate links, which will earn me a small amount if you apply via them.
🚨 Amazon Pay Gift Cards are back at 3% off!
If you were planning to buy Amazon Pay balance, this is a good time to stock up.
🔗 Link: bitli.in/bd0u3cI
How to maximise the offer 👇
💰 Buy 5 × ₹10,000 gift cards via email delivery to unlock the maximum discount of ₹1,500.
💳 Don’t forget your credit card rewards! Choose a card that gives you the best returns on this transaction.
A couple of things to keep in mind:
* Amazon’s fair usage limits may apply.
* Credit card payment option missing? Try a smaller order or a different Amazon account.
#affiliate
Miles2Go retweeted
I think it's time we accept that Marriott Bonvoy points are realistically worth around ₹0.50–₹0.60 each.
Finding redemptions above this value is becoming increasingly difficult.
And I'm not counting hotels with inflated cash rates that make the redemption value look attractive on paper. In reality, many of those properties aren't worth their advertised rates anyway.
Miles2Go retweeted
Miles2Go 30-Day Challenge | Day 2/30 💸
My top 5 cashback credit cards in India and the catch with each.
There’s no single best cashback card. The right one depends on where you already spend, the caps you can use and the exclusions you need to watch.
Here are 5 cards I’d shortlist.
1️⃣ HSBC Live+ | Everyday category spending
• 10% on eligible dining, food delivery, grocery, shopping and utility spends, capped at ₹1,200/month.
• 1.5% on most other eligible spends.
• Fee: ₹999, waived above ₹2L eligible annual spend.
⚠️ Amazon, Flipkart and Myntra generally earn 1.5%, not 10%, outside applicable promotions. City and income eligibility also apply.
Apply : bitli.in/uTFkz7m
2️⃣ SBI Cashback | Broad online spending
• 5% on eligible online spends; 1% offline.
• Separate ₹2,000 caps for online and offline cashback per statement cycle.
• Fee: ₹999, waived at ₹2L eligible annual spend.
⚠️ Utilities, fuel, insurance, rent, wallets, education, jewellery, railways, gaming, tolls, government transactions and EMI are among the exclusions. Online doesn’t mean everything qualifies.
Apply : bitli.in/pJQbHXO
3️⃣ Flipkart Axis | Platform shoppers
• 7.5% on Myntra; 5% on Flipkart and Cleartrip.
• ₹4,000 quarterly cashback cap for each accelerated category.
• 4% on preferred merchants; 1% on eligible other spends.
• Fee: ₹500, waived above ₹3.5L eligible annual spend.
⚠️ Quarterly caps and exclusions apply. Great if you already shop on these platforms.
Apply : bitli.in/iiZ6d6Y
4️⃣ Axis ACE | Bills and food delivery
• 5% on eligible bills and recharges via Google Pay.
• 4% on Swiggy, Zomato and Ola.
• These accelerated categories share a ₹500 statement-cycle cap.
• 1.5% on eligible other spends.
• Fee: ₹499, waived above ₹2L eligible annual spend.
⚠️ The accelerated bucket is small. This isn’t unlimited 5% cashback on bills.
Apply : bitli.in/AUzIp97
5️⃣ Tata Neu Infinity SBI Card | Tata spends + UPI
• 5% back as NeuCoins on eligible Tata Neu/partner-brand spends, plus up to 5% extra on select Tata Neu categories.
• 1.5% on other eligible spends, including merchant UPI payments on the RuPay variant. UPI rewards capped at 500 NeuCoins/month.
• Fee: ₹1,499 + taxes, waived at ₹3L annual spend.
⚠️ 1 NeuCoin = ₹1 within Tata Neu/participating brands, not statement cashback. Grocery, insurance, utilities and telecom/cable each have a 2,000-NeuCoin monthly cap. Fuel, rent, wallets, gift cards/vouchers, government, education, gaming and EMI spends are excluded.
Apply : bitli.in/3EJDf8x
Tomorrow: my top 5 rewards and miles cards, including the transfer ratios and eligibility catches that matter. ✈️
Note : Although all the recommendations are genuinely my own but the links posted are affiliate links, which will earn me a small amount if you apply via them.
Miles2Go 30-Day Challenge | Day 1/30 💳
Cashback vs reward points: which actually gives you more value?
Let’s use two credit cards to understand the difference.
1️⃣ HDFC Millennia - straightforward cashback
Millennia offers 5% cashback on eligible spends at specified online merchants, including Amazon, Flipkart, Myntra, Uber, Swiggy and Zomato.
Suppose you spend ₹5,000 directly on an eligible Myntra purchase.
At 5%, you earn ₹250 in cashback.
That’s a 5% return, upto ₹1000 per statement cycle.
And then you spend ₹25,000 on general spends, which gives you another 1% cashback - ₹250.
That’s a total of ₹500 cashback on spends of ₹30,000
2️⃣ HDFC Infinia - flexible reward points
Infinia earns 5 Reward Points per ₹150 on eligible retail spending.
Spend ₹30,000 on eligible transactions and you earn 1,000 Reward Points.
Here’s where things get interesting.
HDFC’s published redemption values for Infinia include:
✈️ Flights and hotels: ₹1 per point
🎁 Other products and vouchers: up to ₹0.50 per point
💰 Statement cashback: up to ₹0.30 per point
So those 1,000 points could be worth ₹1,000 against eligible travel bookings, but only ₹300 as statement cashback.
That’s a threefold difference in redemption value.
The catch? You need to use the points for a redemption that makes sense. A ₹1,000 points redemption isn’t automatically better if you could have booked the same trip for less elsewhere.
Your first lesson in the points game:
Don’t just ask how many points a card earns.
Ask what those points are worth, how you can redeem them, and whether the card’s fees and restrictions make sense for your spending.
Over the next 30 days, we’ll explore how to earn rewards more efficiently, use multiplier platforms, and turn points into real travel value.
Follow the Miles2Go 30-Day Challenge. ✈️
Miles2Go retweeted
✈️ Miles2Go 30-Day Challenge | Day 3/30
My top 5 rewards & miles cards in India and what you should know before applying.
These cards can unlock some excellent travel redemptions, but the headline earn rate isn’t everything. Transfer ratios, monthly caps, fees and eligibility can change the equation completely.
1️⃣ Axis Magnus for Burgundy (M4B)
Best card in the world bar none, but only for high spenders.
• Earn 12 EDGE Rewards per ₹200 on eligible spends
• Earn 35 EDGE Rewards per ₹200 on eligible incremental spends above ₹1.5L/month
• 20+ airline and hotel partners, with transfer ratios of up to 5:4
• Annual transfer cap of 10L EDGE Rewards: 2L for Group A and 8L for Group B
💰 Fee: ₹30,000 + taxes, waived at ₹30L annual spend.
⚠️ The catch: You need to qualify for Axis Burgundy through the applicable balance, relationship value or salary criteria. Several spend categories earn no rewards, and accelerated earnings are capped wrt credit limit.
Don’t qualify for Burgundy yet? You can consider regular Magnus and explore an upgrade once eligible.
👉 Apply for regular Magnus: bitli.in/RHPYRmt
2️⃣ HSBC TravelOne
A useful option if you want travel benefits without a ₹30,000 annual fee.
• 2 points per ₹100 on eligible spends
• 4 points per ₹100 on flights, travel aggregators and forex
• Transfers to 15 airline and 5 hotel partners
• 15% discount on Yatra, EaseMyTrip, Paytm and Cleartrip.
💰 Fee: ₹4,999, waived on ₹8L eligible annual spend.
⚠️ The catch: The base earn rate is fairly ordinary. The value comes from combining transfer partners with travel offers and frequent bonuses but discounts have booking-level caps, and transfer ratios vary by partner.
👉 Apply: bitli.in/SDgdjHK
3️⃣ HSBC Premier
For those who can qualify for the Premier banking relationship, this card deserves a look.
• 3 points per ₹100 on eligible spends
• Points don’t expire
• Selected airline and hotel transfers at 1:1
• Up to 12X points through Travel with Points
💰 Fee: ₹12,000 joining fee and ₹20,000 annual fee; renewal fee waiver for qualifying Premier customers.
⚠️ The catch: The banking relationship is the real barrier. Eligibility can involve a ₹50L relationship value, a ₹3L monthly salary credit or mortgage route.
4️⃣ HDFC Diners Club Black Metal
A strong option for regular spending if you can make good use of its quarterly milestones.
• 5 Reward Points per ₹150 on eligible retail spends
• 10,000 bonus points for every ₹4L spent in a calendar quarter.
• Additional accelerated earning through SmartBuy.
💰 Fee: ₹10,000 + taxes, waived at ₹8L annual spend.
⚠️ The catch: Diners Club acceptance can also be an issue, so keep a Visa or Mastercard backup.
👉 Apply: bitli.in/5wV3v5p
5️⃣ IndusInd Avios Visa Infinite
Worth considering if you specifically want to earn Avios for One World redemptions.
• 3 Avios per ₹200 on general eligible spends
• 5 Avios per ₹200 on Qatar Airways/BA bookings
• 6 Avios per ₹200 on card-present spends at your selected international destination
• 20,000 joining Avios, plus milestone bonuses at ₹8L and ₹16L annual spend
💰 Fee: ₹10,000 + GST in year one; ₹5,000 + GST on renewal.
⚠️ The catch: Forex markup is 1.5% at your selected destination versus 3.5% elsewhere.
👉 Apply: bitli.in/uq8YqJy
🤔 What about HDFC Infinia?
DCBM has a quarterly milestone bonus that Infinia doesn’t offer in the same way. But Infinia can still be the better fit if you get strong value from SmartBuy and its redemption options.
A couple of other cards worth knowing about:
• Amex Platinum Travel - Applications paused
• Axis Atlas - Applications paused
• Air India loyalists: You could also consider ICICI Emeralde Private Metal and Times Black for Maharaja Points transfers.
✈️ My takeaway: Cashback is straightforward. Miles need a little more homework but the right card and the right redemption can deliver much better travel value.
#Affiliate Links
Miles2Go 30-Day Challenge | Day 2/30 💸
My top 5 cashback credit cards in India and the catch with each.
There’s no single best cashback card. The right one depends on where you already spend, the caps you can use and the exclusions you need to watch.
Here are 5 cards I’d shortlist.
1️⃣ HSBC Live+ | Everyday category spending
• 10% on eligible dining, food delivery, grocery, shopping and utility spends, capped at ₹1,200/month.
• 1.5% on most other eligible spends.
• Fee: ₹999, waived above ₹2L eligible annual spend.
⚠️ Amazon, Flipkart and Myntra generally earn 1.5%, not 10%, outside applicable promotions. City and income eligibility also apply.
Apply : bitli.in/uTFkz7m
2️⃣ SBI Cashback | Broad online spending
• 5% on eligible online spends; 1% offline.
• Separate ₹2,000 caps for online and offline cashback per statement cycle.
• Fee: ₹999, waived at ₹2L eligible annual spend.
⚠️ Utilities, fuel, insurance, rent, wallets, education, jewellery, railways, gaming, tolls, government transactions and EMI are among the exclusions. Online doesn’t mean everything qualifies.
Apply : bitli.in/pJQbHXO
3️⃣ Flipkart Axis | Platform shoppers
• 7.5% on Myntra; 5% on Flipkart and Cleartrip.
• ₹4,000 quarterly cashback cap for each accelerated category.
• 4% on preferred merchants; 1% on eligible other spends.
• Fee: ₹500, waived above ₹3.5L eligible annual spend.
⚠️ Quarterly caps and exclusions apply. Great if you already shop on these platforms.
Apply : bitli.in/iiZ6d6Y
4️⃣ Axis ACE | Bills and food delivery
• 5% on eligible bills and recharges via Google Pay.
• 4% on Swiggy, Zomato and Ola.
• These accelerated categories share a ₹500 statement-cycle cap.
• 1.5% on eligible other spends.
• Fee: ₹499, waived above ₹2L eligible annual spend.
⚠️ The accelerated bucket is small. This isn’t unlimited 5% cashback on bills.
Apply : bitli.in/AUzIp97
5️⃣ Tata Neu Infinity SBI Card | Tata spends + UPI
• 5% back as NeuCoins on eligible Tata Neu/partner-brand spends, plus up to 5% extra on select Tata Neu categories.
• 1.5% on other eligible spends, including merchant UPI payments on the RuPay variant. UPI rewards capped at 500 NeuCoins/month.
• Fee: ₹1,499 + taxes, waived at ₹3L annual spend.
⚠️ 1 NeuCoin = ₹1 within Tata Neu/participating brands, not statement cashback. Grocery, insurance, utilities and telecom/cable each have a 2,000-NeuCoin monthly cap. Fuel, rent, wallets, gift cards/vouchers, government, education, gaming and EMI spends are excluded.
Apply : bitli.in/3EJDf8x
Tomorrow: my top 5 rewards and miles cards, including the transfer ratios and eligibility catches that matter. ✈️
Note : Although all the recommendations are genuinely my own but the links posted are affiliate links, which will earn me a small amount if you apply via them.
🚨 Business class saver seats are finally available from India on Qatar Airways!
Examples from India, one-way business:
Middle East - 26,000 Avios
Europe - 55,000 Avios
North America - 80,000 Avios
Australia/NZ - 80,000 Avios
📲 Follow the Miles2Go WhatsApp channel for more miles and points updates.
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Join my WhatsApp channel for handpicked credit card deals, rewards & miles strategies, travel offers, and important updates.
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Miles2Go — Earn smarter. Redeem better. Travel for less. ✈️
Miles2Go retweeted
Some frequent flyer programs offer sweet spots that are too good to resist.
Etihad Business waiting for you with just 17K points and INR2650 odd in cash.
And if you are OK with Economy - then nothing better than this redemption to reach UAE.
Only 8K + INR 2650 in tax
@TheCCgeeks
Miles2Go retweeted
Top cashback credit card in India 2026
Miles2Go 30-Day Challenge | Day 2/30 💸
My top 5 cashback credit cards in India and the catch with each.
There’s no single best cashback card. The right one depends on where you already spend, the caps you can use and the exclusions you need to watch.
Here are 5 cards I’d shortlist.
1️⃣ HSBC Live+ | Everyday category spending
• 10% on eligible dining, food delivery, grocery, shopping and utility spends, capped at ₹1,200/month.
• 1.5% on most other eligible spends.
• Fee: ₹999, waived above ₹2L eligible annual spend.
⚠️ Amazon, Flipkart and Myntra generally earn 1.5%, not 10%, outside applicable promotions. City and income eligibility also apply.
Apply : bitli.in/uTFkz7m
2️⃣ SBI Cashback | Broad online spending
• 5% on eligible online spends; 1% offline.
• Separate ₹2,000 caps for online and offline cashback per statement cycle.
• Fee: ₹999, waived at ₹2L eligible annual spend.
⚠️ Utilities, fuel, insurance, rent, wallets, education, jewellery, railways, gaming, tolls, government transactions and EMI are among the exclusions. Online doesn’t mean everything qualifies.
Apply : bitli.in/pJQbHXO
3️⃣ Flipkart Axis | Platform shoppers
• 7.5% on Myntra; 5% on Flipkart and Cleartrip.
• ₹4,000 quarterly cashback cap for each accelerated category.
• 4% on preferred merchants; 1% on eligible other spends.
• Fee: ₹500, waived above ₹3.5L eligible annual spend.
⚠️ Quarterly caps and exclusions apply. Great if you already shop on these platforms.
Apply : bitli.in/iiZ6d6Y
4️⃣ Axis ACE | Bills and food delivery
• 5% on eligible bills and recharges via Google Pay.
• 4% on Swiggy, Zomato and Ola.
• These accelerated categories share a ₹500 statement-cycle cap.
• 1.5% on eligible other spends.
• Fee: ₹499, waived above ₹2L eligible annual spend.
⚠️ The accelerated bucket is small. This isn’t unlimited 5% cashback on bills.
Apply : bitli.in/AUzIp97
5️⃣ Tata Neu Infinity SBI Card | Tata spends + UPI
• 5% back as NeuCoins on eligible Tata Neu/partner-brand spends, plus up to 5% extra on select Tata Neu categories.
• 1.5% on other eligible spends, including merchant UPI payments on the RuPay variant. UPI rewards capped at 500 NeuCoins/month.
• Fee: ₹1,499 + taxes, waived at ₹3L annual spend.
⚠️ 1 NeuCoin = ₹1 within Tata Neu/participating brands, not statement cashback. Grocery, insurance, utilities and telecom/cable each have a 2,000-NeuCoin monthly cap. Fuel, rent, wallets, gift cards/vouchers, government, education, gaming and EMI spends are excluded.
Apply : bitli.in/3EJDf8x
Tomorrow: my top 5 rewards and miles cards, including the transfer ratios and eligibility catches that matter. ✈️
Note : Although all the recommendations are genuinely my own but the links posted are affiliate links, which will earn me a small amount if you apply via them.
Miles2Go 30-Day Challenge | Day 2/30 💸
My top 5 cashback credit cards in India and the catch with each.
There’s no single best cashback card. The right one depends on where you already spend, the caps you can use and the exclusions you need to watch.
Here are 5 cards I’d shortlist.
1️⃣ HSBC Live+ | Everyday category spending
• 10% on eligible dining, food delivery, grocery, shopping and utility spends, capped at ₹1,200/month.
• 1.5% on most other eligible spends.
• Fee: ₹999, waived above ₹2L eligible annual spend.
⚠️ Amazon, Flipkart and Myntra generally earn 1.5%, not 10%, outside applicable promotions. City and income eligibility also apply.
Apply : bitli.in/uTFkz7m
2️⃣ SBI Cashback | Broad online spending
• 5% on eligible online spends; 1% offline.
• Separate ₹2,000 caps for online and offline cashback per statement cycle.
• Fee: ₹999, waived at ₹2L eligible annual spend.
⚠️ Utilities, fuel, insurance, rent, wallets, education, jewellery, railways, gaming, tolls, government transactions and EMI are among the exclusions. Online doesn’t mean everything qualifies.
Apply : bitli.in/pJQbHXO
3️⃣ Flipkart Axis | Platform shoppers
• 7.5% on Myntra; 5% on Flipkart and Cleartrip.
• ₹4,000 quarterly cashback cap for each accelerated category.
• 4% on preferred merchants; 1% on eligible other spends.
• Fee: ₹500, waived above ₹3.5L eligible annual spend.
⚠️ Quarterly caps and exclusions apply. Great if you already shop on these platforms.
Apply : bitli.in/iiZ6d6Y
4️⃣ Axis ACE | Bills and food delivery
• 5% on eligible bills and recharges via Google Pay.
• 4% on Swiggy, Zomato and Ola.
• These accelerated categories share a ₹500 statement-cycle cap.
• 1.5% on eligible other spends.
• Fee: ₹499, waived above ₹2L eligible annual spend.
⚠️ The accelerated bucket is small. This isn’t unlimited 5% cashback on bills.
Apply : bitli.in/AUzIp97
5️⃣ Tata Neu Infinity SBI Card | Tata spends + UPI
• 5% back as NeuCoins on eligible Tata Neu/partner-brand spends, plus up to 5% extra on select Tata Neu categories.
• 1.5% on other eligible spends, including merchant UPI payments on the RuPay variant. UPI rewards capped at 500 NeuCoins/month.
• Fee: ₹1,499 + taxes, waived at ₹3L annual spend.
⚠️ 1 NeuCoin = ₹1 within Tata Neu/participating brands, not statement cashback. Grocery, insurance, utilities and telecom/cable each have a 2,000-NeuCoin monthly cap. Fuel, rent, wallets, gift cards/vouchers, government, education, gaming and EMI spends are excluded.
Apply : bitli.in/3EJDf8x
Tomorrow: my top 5 rewards and miles cards, including the transfer ratios and eligibility catches that matter. ✈️
Note : Although all the recommendations are genuinely my own but the links posted are affiliate links, which will earn me a small amount if you apply via them.
Miles2Go 30-Day Challenge | Day 1/30 💳
Cashback vs reward points: which actually gives you more value?
Let’s use two credit cards to understand the difference.
1️⃣ HDFC Millennia - straightforward cashback
Millennia offers 5% cashback on eligible spends at specified online merchants, including Amazon, Flipkart, Myntra, Uber, Swiggy and Zomato.
Suppose you spend ₹5,000 directly on an eligible Myntra purchase.
At 5%, you earn ₹250 in cashback.
That’s a 5% return, upto ₹1000 per statement cycle.
And then you spend ₹25,000 on general spends, which gives you another 1% cashback - ₹250.
That’s a total of ₹500 cashback on spends of ₹30,000
2️⃣ HDFC Infinia - flexible reward points
Infinia earns 5 Reward Points per ₹150 on eligible retail spending.
Spend ₹30,000 on eligible transactions and you earn 1,000 Reward Points.
Here’s where things get interesting.
HDFC’s published redemption values for Infinia include:
✈️ Flights and hotels: ₹1 per point
🎁 Other products and vouchers: up to ₹0.50 per point
💰 Statement cashback: up to ₹0.30 per point
So those 1,000 points could be worth ₹1,000 against eligible travel bookings, but only ₹300 as statement cashback.
That’s a threefold difference in redemption value.
The catch? You need to use the points for a redemption that makes sense. A ₹1,000 points redemption isn’t automatically better if you could have booked the same trip for less elsewhere.
Your first lesson in the points game:
Don’t just ask how many points a card earns.
Ask what those points are worth, how you can redeem them, and whether the card’s fees and restrictions make sense for your spending.
Over the next 30 days, we’ll explore how to earn rewards more efficiently, use multiplier platforms, and turn points into real travel value.
Follow the Miles2Go 30-Day Challenge. ✈️
📢 Don’t miss any important Miles2Go update!
Join my WhatsApp channel for handpicked credit card deals, rewards & miles strategies, travel offers, and important updates.
✅ Only useful information
🚫 No spam. No unnecessary forwards.
👇 Join here:
whatsapp.com/channel/0029VbE…
Miles2Go — Earn smarter. Redeem better. Travel for less. ✈️
Miles2Go 30-Day Challenge | Day 1/30 💳
Cashback vs reward points: which actually gives you more value?
Let’s use two credit cards to understand the difference.
1️⃣ HDFC Millennia - straightforward cashback
Millennia offers 5% cashback on eligible spends at specified online merchants, including Amazon, Flipkart, Myntra, Uber, Swiggy and Zomato.
Suppose you spend ₹5,000 directly on an eligible Myntra purchase.
At 5%, you earn ₹250 in cashback.
That’s a 5% return, upto ₹1000 per statement cycle.
And then you spend ₹25,000 on general spends, which gives you another 1% cashback - ₹250.
That’s a total of ₹500 cashback on spends of ₹30,000
2️⃣ HDFC Infinia - flexible reward points
Infinia earns 5 Reward Points per ₹150 on eligible retail spending.
Spend ₹30,000 on eligible transactions and you earn 1,000 Reward Points.
Here’s where things get interesting.
HDFC’s published redemption values for Infinia include:
✈️ Flights and hotels: ₹1 per point
🎁 Other products and vouchers: up to ₹0.50 per point
💰 Statement cashback: up to ₹0.30 per point
So those 1,000 points could be worth ₹1,000 against eligible travel bookings, but only ₹300 as statement cashback.
That’s a threefold difference in redemption value.
The catch? You need to use the points for a redemption that makes sense. A ₹1,000 points redemption isn’t automatically better if you could have booked the same trip for less elsewhere.
Your first lesson in the points game:
Don’t just ask how many points a card earns.
Ask what those points are worth, how you can redeem them, and whether the card’s fees and restrictions make sense for your spending.
Over the next 30 days, we’ll explore how to earn rewards more efficiently, use multiplier platforms, and turn points into real travel value.
Follow the Miles2Go 30-Day Challenge. ✈️
🤖 Made with AI
Miles2Go retweeted
Genuinely one place from where I have personally learnt about Mile Redemptions!
I’ve been sharing miles, points and travel opportunities on X for a while. Now, I’m building something more useful around them. ✈️
Introducing the Miles2Go WhatsApp Channel.
The idea is simple: help you get more out of your money, whether that’s through credit card points, cheaper flights or deals worth acting on.
Here’s what I’ll be sharing:
✈️ Flight deals & award availability
💳 Credit card points, earning strategies & transfer bonuses
🎯 Redemption sweet spots, hacks & booking tips
🌍 Personal itineraries, actual travel costs & points breakdowns
🛍️ Worthwhile shopping, voucher & gold deals
🔥 Points-buying opportunities and other offers that make financial sense
Whether you’re just starting with credit card points or already deep into the miles game, there’s something here for you.
One rule: quality over quantity.
No spam. No posting for the sake of posting. Just useful information, exceptional deals and opportunities worth knowing about.
Join here 👇🏻
whatsapp.com/channel/0029VbE…
I’m starting a 30-day challenge with Miles2Go. ✈️
For the next 30 days, I’ll publish something useful every single day about credit card points, miles, travel and getting more value out of your money.
We’ll cover everything from the basics of earning points to multiplier platforms, transfer bonuses, award flight bookings, redemption maths and real-world travel redemptions.
There’ll be content for beginners and for those who’ve been in the points game for years.
But there’s another reason I’m doing this.
I’ve built Miles2Go to 9,000 followers, but I haven’t been as consistent as I should have been. I want to change that, not by making another ambitious plan, but by committing to showing up every day.
30 days. Useful content. No posting just for the sake of it.
My goal is to help you earn smarter, redeem better and travel for less.
I’ll be documenting the journey here, with daily lessons and practical examples on my WhatsApp channel.
If you’ve been meaning to understand the world of points and miles better, join me for the next 30 days.
WhatsApp channel: whatsapp.com/channel/0029VbE…
Day 1 starts today. Let’s do this. 🚀
You know you’re doing something right when people you look up to have positive things to say about you.
Having met Priyesh and seen him build his company from scratch, the way he’s gone about it is genuinely inspiring to me and many others around him.
So, do as the man himself suggests, and you won’t be disappointed for sure. 🙌🏻
Have massive respect for him! He did a lot of heavy lifting when miles redemption was extremely niche and only known to few, most would have to either use the services offered, rely on paid apps. He created beautiful charts and actually decentralised a lot of things specific for Indian market!
Wish him all the luck! One of the few guys whose content is worth your timeline! Atleast its worth mine.
Having met him on multiple occasions! I find the guy behind the account a very soft spoken and a great human being and definitely super skilled!
High praise from one of the finest in the business 🥰🥰🙏🏻🙏🏻
Take the recommended action and I assure, you won’t be disappointed 🫶🏻🙌🏻
Having met this guy multiple times, I can tell you this isn't just someone sharing information. He's someone who genuinely goes out of his way to help others in the points & miles community.
His knowledge is impeccable. I still refer to his Excel sheets, and I keep learning from him.
If you are serious about mastering points & miles, do yourself a favour and follow this channel. This is the kind of resource you want in your corner.
I’ve been sharing miles, points and travel opportunities on X for a while. Now, I’m building something more useful around them. ✈️
Introducing the Miles2Go WhatsApp Channel.
The idea is simple: help you get more out of your money, whether that’s through credit card points, cheaper flights or deals worth acting on.
Here’s what I’ll be sharing:
✈️ Flight deals & award availability
💳 Credit card points, earning strategies & transfer bonuses
🎯 Redemption sweet spots, hacks & booking tips
🌍 Personal itineraries, actual travel costs & points breakdowns
🛍️ Worthwhile shopping, voucher & gold deals
🔥 Points-buying opportunities and other offers that make financial sense
Whether you’re just starting with credit card points or already deep into the miles game, there’s something here for you.
One rule: quality over quantity.
No spam. No posting for the sake of posting. Just useful information, exceptional deals and opportunities worth knowing about.
Join here 👇🏻
whatsapp.com/channel/0029VbE…
Miles2Go retweeted
🇪🇺 Chapter 3 of my Exploring Europe series 🇳🇱
This time, we're exploring Amsterdam, along with beautiful Dutch towns & day trips.
A detailed guide covering stays, canals, must-see places, food, nightlife & practical tips from my trip.
🔖 Bookmark this!
Miles2Go retweeted
👀Looks like we have another cashback credit card in the market.
Kredit.Pe has launched the YES BANK Max Credit Card, and here’s what you should know:
• 5% cashback on online spends
• 3% on UPI, which goes up to 5% after ₹20,000 monthly spends
• Lifetime free
• RuPay–JCB card network
Interesting cashback structure, but the T&Cs and actual value will be worth looking into.
More on this card soon.
Meanwhile, you can check out the complete benefits and apply here: kredit.pe/card?productId=PRD…
#collab
🤝 Paid partnership
Miles2Go retweeted
🚨New launch in the credit card space!
Kredit.Pe Yes Bank Max Credit Card is here, and it’s lifetime free.
A few things to know:
✅ 5% cashback on online spends
✅ 3% cashback on UPI, increasing to 5% after ₹20K monthly spends
✅ Zero joining and annual fees
✅ Card Network: RuPay–JCB
Will be taking a closer look at the card and its cashback structure soon.
Until then, check out all the features and apply here: kredit.pe/card?productId=PRD…
#collab
🤝 Paid partnership
