Travel ✈️ x Credit cards 💳 x Lifestyle 🏔️🏖️ ✉️: [email protected] WA channel: https://xitter.gq/t.co/RWCVsE1tmi
Mumbai, India
Joined September 2012
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Most regular folks use credit cards for convenience. The 1% use them to fund their vacations. ✈️
If you spend more than ₹50k/month (₹6L/year), you’re likely leaving free tickets & stays on the table.
Here is how to tier your wallet for 2026. 🧵
#ccgeek #ccgeeks
@EvryPaisaMatter @VVikiLuxe @man1sh_golcha @imYadav31 @gurumilespoints @milespointspro @CCMiles2Go @bigulchugh @jassneetsingha @mepritijain @ProfessorCardz @nakshlife @ankitdewan @suritalreja @akshat_money @creditkeeda @cards_addict @ameya4mPune @iSatishAgarwal
Jet Set Swipe | Tarun Todi retweeted
Gems of today's @AmexIndia stupidity.
1) they've clawed back points from active cards
2) they've clawed back from cards which were upgraded to new card
3) they've debited points from active cards and credited to closed cards
4) they've debited points from cards closed more than 3 years ago, they didn't realize a technical glitch for 3 years
5) they closed card A, then clawed back points earned on card B which is still active
6) people had already redeemed / transferred from the pooled balance, still went negative. no FIFO, nothing
7) customer care earlier said points stay in the pool / no need to transfer before migration. recorded calls and chat screenshots exist
8) they seem to have treated reissued cards / ancient product closures as cancellations too
9) sent 10K taj vouchers randomly to 100s of ineligible people
10) customer care has no idea about what has happened and there is 0 transparency about how points were clawed back and what is breakup. No points statement, nothing!
11) Customer service is not reachable on phone or chat.
what else ?
Affected People should send email to
L1 : [email protected]
L2: [email protected]
L3: [email protected]
L4: [email protected]
Don't forget to send emails to them for your case.
cc: @RBI @RBIsays @FinMinIndia @nsitharaman hope you're listening.
Requesting @EconomicTimes @livemint @bsindia @moneycontrolcom @FinancialExpress to cover this "SCAM" from @AmericanExpress @AmexIndia
♻️ for visiblity.
Amex MR has had a clause for the past few years that essentially says if you close a card, you have 30 days to redeem the associated points or they will be forfeited. This is not a new clause.
But there was no way for people to see the individual points balance for each card because everything was pooled. (Some much older accounts had separate points balances.)
Amex India has now misused this clause to claw back points associated with previously closed cards where no points were redeemed within 30 days of closure.
It doesn't matter whether you redeemed points recently. Even customers who recently redeemed points have had points clawed back from those closed cards, leaving their balances NEGATIVE!
With zero transparency around the calculations, Amex is hiding behind a clause in its T&Cs that it hadn't enforced, while customers had no way to specifically select a closed card's points for redemption. There were no warnings either.
How is a user supposed to know how many points they have on a particular card if you don't show that balance anywhere? It's not on the credit card statement, the online portal or the app!
There's no warning when closing the card or when the 30-day redemption window is about to expire. How are users supposed to track and redeem a balance they can't even see, Amex?
Amex has royally screwed over its customers here. The leadership should question this decision before they're hit with a massive number of Ombudsman complaints.
Jet Set Swipe | Tarun Todi retweeted
🚨 Amex has now emailed customers confirming the clawback of points earned on cancelled cards.
They're blaming a "technical issue" and citing the rule requiring redemption within 30 days of card cancellation.
Here's why this is unfair - THE POINTS WERE POOLED!
Customers saw one combined Membership Rewards balance. There was no way to specifically select and redeem the points earned on a cancelled card. How were they supposed to ensure those particular points were used within 30 days?
By its own admission, this was an issue at Amex's end. Customers relied on the balance Amex displayed. Why should they bear the loss when Amex decides to correct its system?
The email says the balance has already been updated. Why weren't affected customers warned and given a fresh opportunity to redeem before the points were removed?
Where is the calculation???
If someone redeemed points from the common pool after closing a card, how did Amex determine whether those redemptions used points from the active card or the cancelled card?
Simply citing a 30-day clause doesn't answer any of this.
And ending the email with "No action is required from you" after taking away customers' points is quite something.
@AmexIndia Restore the points and give affected customers a fair redemption window !!
Your FAQs said - ""Any Bonus Membership Rewards® points or milestone benefits already earned will remain available and can be used at your convenience."
americanexpress.com/en-in/su…
They've accepted its was wrong infromation shared by customer care and that its a technical issue and they will fix it. Lets wait for the migration to complete.
RollerCoster ride for #ccgeeks, from getting a 10K Taj, to negative million MR balance to probably net zero change by the the evening. 😂
In a similar boat as you, and have avoided these investments too for pretty much the same reason - the locked nature.
But, I also get Niraj’s narrative. The illiquidity of these investments is not a problem, in fact it’s a feature imo. It’s meant to be untouched. And because it’s minuscule in the larger scheme of things, it will not materially impact your day to day lifestyle with this outlay parked. Most people would be unable to exercise the discipline required to actually a) make wise long term investment decisions, b) stay the course during volatile periods. Hence, I also understand where Niraj is coming from and have been contemplating the NPS & EPS employer route too. Let’s see!
@contliving @_haroldfinch
My basic is ~50L. I still turned down NPS and VPF : ⤵️
You save 34% tax straight up otherwise, Here’s why I still said no 🧵
> Lock-in till retirement. I can’t touch it in the years I’m actually creating wealth.
> Partial withdrawal is a nightmare. Part forced to stay locked, delayed, or rejected.
> ~8% returns. add inflation and rupee depreciation on top
> It shrinks my in-hand pay today.
In 10-15 years, the ~34% tax I saved on ₹50k NPS or ₹2.5L EPF won’t matter when you have corpus in crores.
Money in my hand today >>> the same money 10 years later.
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Follow the guy, else regret later.
Solid post, bro! Keep up the good work :)
✈️ Miles2Go 30-Day Challenge | Day 6/30
Where can 1 LAKH Amex points take you?
London in Business Class? Tokyo? Seoul? Singapore? Even Qatar Qsuite?
You might be surprised by how many flights you can unlock with 1 lakh Membership Rewards points.
Let’s put those points to work. 👇
🧮 First, understand the conversion:
1,00,000 Amex MR points can become:
• 50,000 KrisFlyer miles
• 50,000 British Airways Avios
• 50,000 Qatar Avios
• 50,000 Cathay Asia Miles
• 80,000 Virgin Atlantic points
Now look at what that can get you.
1️⃣ London in Virgin Atlantic Upper Class 🇬🇧
From just 28,750 Amex MR points!
DEL to LHR Business Class:
• 23,000 Virgin Points
• Approx. ₹39,800 taxes
• Comparable cash fare starts around ₹1.7L
2️⃣ Tokyo in ANA Business Class 🇯🇵
93,750 MR points for a return journey!
• 75,000 Virgin Points
• Approx. ₹18,600 taxes
• Comparable cash fare around ₹3L
Yes, a return Business Class trip to Japan!
3️⃣ London in Virgin Atlantic Economy 🇬🇧
From just 7,500 MR points per person, one way.
• 6,000 Virgin Points
• Approx. ₹8,800 taxes
Two people can fly one way for just 15,000 MR points.
One of the cheapest ways to get from India to Europe using Indian credit card points.
4️⃣ Seoul in Korean Air Business Class 🇰🇷
50,000 MR points one way!
• 40,000 Virgin Points
• Approx. ₹2,400 taxes
• Comparable cash fare around ₹1.6L
Even Economy costs just 19,375 MR points, with around ₹2,200 in taxes.
The best part? Practically no fuel surcharge.
5️⃣ Hong Kong in Cathay Pacific Business Class 🇭🇰
66,000 MR points one way.
• 33,000 Asia Miles
• Approx. ₹11,300 taxes
• Comparable cash fare around ₹1L
Prefer Economy? Just 26,000 MR points. That’s two one-way Economy tickets for 52,000 MR!
6️⃣ Paris or Amsterdam in Air France-KLM Business Class 🇫🇷🇳🇱
Typically 76,250 MR points one way.
• 61,000 Virgin Points
• Approx. ₹25,800 taxes
• Comparable cash fare around ₹2.5L
7️⃣ Singapore Airlines Business Class 🇸🇬
90,000 MR points one way.
• 45,000 KrisFlyer miles
• Approx. ₹3,000 to ₹6,000 taxes
• Comparable cash fare around ₹75,000
Want to go all out? Singapore Airlines Suites on the same route can cost around 1.23L MR points.
8️⃣ Qatar Airways Qsuite to Doha 🇶🇦
52,000 MR points one way.
• 26,000 Qatar Avios
• Approx. ₹6,600 taxes
• Comparable cash fare around ₹75,000
Even Economy costs 26,000 MR points, meaning two people can fly one way for 52,000 MR.
9️⃣ Explore Europe with Virgin Points 🇪🇺
Short-haul flights across Europe on Air France and KLM can start from just 4,000 to 9,000 Virgin Points.
That’s approximately 5,000 to 11,250 Amex MR points per flight.
Planning a multi-city Europe trip? These redemptions can make getting between cities surprisingly affordable.
🔟 Helsinki on Finnair 🇫🇮
41,500 MR points one way.
• 20,750 British Airways Avios
• Approx. ₹2,000 taxes
• Comparable cash fare around ₹45,000
A nonstop Delhi to Helsinki flight on Finnair metal!
💡 The bigger takeaway
1 lakh Amex points can potentially get you:
• Business Class to London
• A return Business Class trip to Tokyo
• Business Class to Seoul
• Qsuite to Doha
• Multiple Economy flights across Europe
And that’s just scratching the surface.
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#MUNTOT Such a slow start from United. Absolutely overshadowed atm by Spurs. Need some more energy here :(
Somehow feel Tielemans is pretty useless in midfield as the engine
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Mumbai to Barcelona at ₹38,656 return 🇪🇸
Kuwait Airways, 1 stop via Kuwait City, late-Jan dates (21-28 Jan works).
This route usually runs ₹44.5k-80k, so this is ~24% under typical - and within ~2.5% of the lowest fare I've seen on it.
Still live as of today. These move fast. ✈️
#JetSetDeals
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Jet Set Swipe | Tarun Todi retweeted
We have updated our infographic on complimentary eSIMs via credit cards, do check it out.
I have used GigSky in US and it worked pretty well.
🌍✈️ Going abroad? Check your Visa or Mastercard before buying an eSIM.
You may already have access to FREE international data, eSIMs, SIMs, or calling benefits through your card. 📱💳
Multiple ongoing offers in India are available for both Visa & Mastercard, and some are surprisingly useful.
💳 Visa
• Travelgoogoo — eligible Platinum, Signature & Infinite cards can get an annual messaging plan + data benefits, with Infinite getting the most comprehensive package.
• Zetexa — spend US$600 internationally and get a complimentary eSIM/physical SIM with up to 6GB data + calling benefits, depending on destination. 🌏
• GigSky - Visa cardholders can get complimentary unlimited GigSky data in 175+ countries.🌍📱
💳 Mastercard
• Airalo — eligible cards get up to 300MB free for 3 days across 200+ destinations.
• Flexiroam — eligible cards can get up to 3GB for 15 days, plus discounts on future plans.
And don't forget the Forex cards 👀
💳 Visa Forex Prepaid → up to 6GB + talktime, valid up to 30 days.
💳 Mastercard Forex Prepaid → up to 5GB or 3GB + 60 international calling minutes, valid for 28 days.
🔥 Basically, before spending money on roaming or an airport SIM, check what your card already gives you.
Eligibility varies by card/network, and each offer has its own redemption process and validity.
📌 Save this for your next international trip. 🌍📶
Full details below 👇
cardinsider.com/blog/free-es…
Great post for Virgin Atlantic awards and nicely summarized @PointsPro 👌🏼
SAS will be a game changer for Nordic redemptions 😁
🚨 Virgin Atlantic: Awards from India
Amex is now transferring at a 5:4 ratio; it is arguably the best transfer option! 🔥
Virgin Atlantic is a good program, and I've been using it for over 5 years now.
✅ Low mileage
✅ Tips and tricks
Definitive Virgin Atlantic Thread ⤵️
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Was very likely this was going to get plugged but why do they nerf even basic stuff like BMS Bogo is beyond me!
From 1 September 2026, Axis Burgundy Debit Card is getting a pretty significant devaluation:
EDGE Rewards discontinued: No more EDGE Reward Points on debit card spends, including the 2X birthday offer. Existing points can still be redeemed as per applicable timelines.
Lounge access: Requires ₹10,000 spend in the previous 3 calendar months. New cards get the requirement waived for the issuance month + next 3 months. From 1 Oct, UPI, wallet reloads, credit card bill payments & cash withdrawals won't count toward ₹10K.
BookMyShow benefits: Same ₹10,000 spend in previous 3 calendar months requirement, with the same new-card waiver and exclusions.
DCC fee: 3.5% + GST on international/foreign-registered merchant transactions charged in INR.
axis.bank.in/docs/default-so…
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Hi both @VoyageBliss @ameyakarve - genuinely contemplating transfer for M4B group A/B and need help.
Japan/SA/EU possible destinations in near future but nothing concrete.
Had really wanted JAL but its surcharges are putting off. SQ/AF are only other viable options I think. Or does JAL partner awards on 1W make sense ? Have around 1.2L ER and 30k EM I need to park.
Can also do some to AI as it comes in handy for domestic redemptions but had really wanted to do a nice intl redemption using these pts. Keeping taxes low though is a priority as otherwise it doesn’t make sense at all.
Any recommendation?
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Excellent Vietnam guide for anyone exploring this destination.
I will take a few ideas myself for a trip I intend to do later this year.
Cheers @ankitdewan 🥂 hope you and family had a great time
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Excellent post. Very informative and useful! 👌🏼
🚨 Attention Travellers: Ever been confused about baggage rules on flights with multiple airlines or when using miles?
🧵1/10 Here’s your ultimate guide to Interline Baggage Allowance - what REALLY happens with your bags. Let's break it down 👇
#TravelTips #FrequentFlyer
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Afaik, MyBiz is also available for anybody who can provide a corporate email id: can be your employers or even .edu IDs for post grads who still have access to their institute email.
Just need otp and you’re sorted.
Comes in handy sometimes for flight corporate fares too.
If you are self-employed, make sure to get access to MMT MyBiz. I have generally found Hotel rate at MyBiz better than public rates.
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The most anxious time is waiting for your points transfer to reflect in your ffp.
It’s just nerve wracking. How do yall deal with it in the interim?
#ccgeeks
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Not sure you need but still putting my fav NY tips:
- Do check out Bryant park and chill around in the area, amazing vibe
- Only go for 1 observatory - Edge or Summit 1 Vanderbilt, I’d recommend the latter.
- Do try and take one of those ferry tours - I did this one (Best of NYC - Full Manhattan Boat Tour - Circle Line) and would highly recommend. Great for whole round NYC views from water and you won’t need to take any other ferry unless you want to visit any particular island/attraction. Their guides are usually pretty good too. Leaves from pier 83,
- Definitely try a broadway show if you can. We went for Harry Potter and cursed child and loved it.
- do try the bagel shops. My favourite was Broad Nosh.
- Chipotle for cheap and easy Mexican burrito meals. It’s a shame we don’t have chipotle in India still.
- One IG recommendation I really loved - Timeout market in Brooklyn. Has insane views of lower manhattan and Brooklyn bridge. Club it with dumbo Brooklyn.
The two best things about Amex.
Referral and 10X. Unmatched and easy to use.
They sure know how to keep it simple and efficient.
Wife applied on 26May. Approved instantly and MGMer pts credited next day 👌🏼
#ccgeeks
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Looks like seats only till June have been released till now.
Can’t see any AIX flight from 1st July onwards.
Very welcome move indeed and hope for wider full year availability soon 🤞🏼
#ccgeeks #AirIndia #MaharajaClub #AIX
Best news this week!
Maharaja club now adds award bookings for AIX as well.
Finally BLR and MAA and other cities can make use of AI points 🥳
#ccgeeks #AirIndia #MaharajaClub
Best news this week!
Maharaja club now adds award bookings for AIX as well.
Finally BLR and MAA and other cities can make use of AI points 🥳
#ccgeeks #AirIndia #MaharajaClub
🚨 Big Update for Air India Maharaja Club Members ✈️
You can now redeem Maharaja Club Miles on Air India Express flights too🔥
Thanks to @JituHemlani for the update. AI Life just got more "Jinga Lala" 😎
Massive good news for #CCGeeks and loyal Maharaja Club members. More redemption options are always a welcome change 👏
#AirIndia #MaharajaClub #Aviation
