SaveToSmile (@SavetoSmile) header
SaveToSmile (@SavetoSmile) profile picture

Just Follow & Flow with Happy Moments. Earn, Save & Spend for your Smile 😊

Joined September 2026
Photo by SaveToSmile (@SavetoSmile)Photo by SaveToSmile (@SavetoSmile)
SaveToSmile retweeted
Check before applying any #creditcard 🔗 % Reward, don't confuse it with cashback. If it's written % cashback then it's right, if written % Rewards, check 1 RP value in Rs and then see actual % cashback. So, calculate actual cashback %. For example, a card promise 10% Rewards and 1 RP value is Rs 0.20, then it's only 2% cashback, not 10%. So, don't me misleaded by Reward Point %. Note: sometimes, you can't use % cashback earned wholy for a transaction, you can use it to take further 5 or 10% discount. Which further reduce actual cashback %.
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EPFO Services on WhatsApp
EPFO Services on WhatsApp Launched! 💬 Check your EPF Balance, view your last 5 transactions and download your Passbook with just a WhatsApp message. 📲 Scan the QR Code or say Hi at +91 8796441800. #EPFO #WhatsAppServices
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SaveToSmile retweeted
Cred Awesome offers for Select Users like me 😄🔥 😎Not a sponsored post🎊 From last 4 months, i am getting these offers on Zepto, Meesho etc. New month Nov, offers refreshed 🎀🎉
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SaveToSmile retweeted
On 10th Nov'26, it's my BirthDay 🎊🔥 Till that day, I will share Gaana plus Music App annual subscription to randomly selected follower. Just you need to like, repost & comment my any post in this duration. Total 4 coupons will be shared.
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SaveToSmile retweeted
Cred is not Bread 🍞 😄 It's butter bread for me. Nowadays, it's giving everywhere awesome offer. Today on meesho 🎉 Flat Rs 100 off.
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SaveToSmile retweeted
HDFC feels themselves as No 1 Bank. Ego is all time peak level. HDFC aggressively rejecting customer requests. Downgrading cards if milestone not completed. @HDFCBank_Cares behaviour is very harsh for customers. No exceptal request accepted. Few year ago, it was liberal for customers. Don't worry, these customer will migrate with other banks product.
HDFC is downgrading HDFC Infinia credit card to HDFC Regalia Gold for people who are unable to meet the 18 lakh spend threshold. Full review: go.book1a.com/regalia-gold-r…
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SaveToSmile retweeted
Your Exclusive Invite: Travel with CREW by Swiggy ✨ Check your mail📻
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SaveToSmile retweeted
☎️Best UPI #creditcard?? 🎴 HSBC Rupay Cashback is one of the best UPI #creditcard (never anyone assumed like this😄), You know why? 🔥10% cashback on Grocery, Food delivery, cafe & restaurant even with UPI. 🔥1% cashback on other UPI spends. 🔗Apply: tinyurl.com/HSBC-R-CB ✈️Apart from this, this card gives 2 domestic per quarter and 2 international per year, Airport lounge access ✈️ (Rs 400 max cashback per month) Fee only Rs 499+ per annum, waiver at Rs 2 Lac spends per annum.
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SaveToSmile retweeted
🎴 @HDFCBank_Cares arrogance is at peak level. See reply of HDFC on request to upgrade at least Swiggy BLCK (FYF). Earlier, HDFC was used to listen. But, now, it seems they are in full over confidence. Don't upgrade your LTF HDFC Swiggy card into ORNG or BLCK. Simply close, and opt for HSBC Live+ or Rupay Cashback. 10% cashback on both. @HDFC_Bank 🔗Live+: tinyurl.com/HSBC-Live-Pl Fee 999+ 🔗Rupay Cashback: tinyurl.com/HSBC-R-CB Fee: 499+
I received the option to flip my current LTF HDFC Swiggy card into BLCK (priced) or orng (LTF). I requested @HDFCBank_Cares to issue at least FYF BLCK at least. But, they denied via mail (attached herewith). I replied as below: "Means, you are saying that you are not ready to listen the customer request. You issued a Life Time Free Card. After Sometimes, you are closing that card and are forcing customer to take a priced card or to take a devalued card (orng) comparing the current card. It's a wrong business dealing & break the trust of customers. Generally, during this type of phase out banks offer best card to their customers but you are forcing the customers to go with priced card for similar benefits. I always appreciated HDFC but this time it's a very shit decision of the bank. Ornge is useless card comparing current Swiggy card. And, also you are denying for FYF which is forcing customers to think about closure of Card. Rest on yours. Regards, ☎️Like & repost this to show your love to HDFC 😄
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SaveToSmile retweeted
One of the brilliant person who has much expertise on optimizing #creditcard rewards & offers. Today, is his birthday. Happy Birth Day @NishDua 🎊 Do follow this handle @NishDua to motivate him to share his experience.
Flash sale on Swiggy Dineout. Mouth watering dishes at cheapest prices.
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SaveToSmile retweeted
One Card that push back all other cashback #creditcard 🎴 Only Fuel card have not affected by this new King 😎
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SaveToSmile retweeted
Credit Card that pushed back all other cashback #creditcard 🎴 which is that? Only Fuel card have not affected by this new King 😎
One Card that push back all other cashback #creditcard 🎴 Only Fuel card have not affected by this new King 😎
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SaveToSmile retweeted
I am also cashback card lover 😎 Not rewards only cashback specially statement cashback credit. What about you??
🚨The TRUTH: Why am I using Cashback cards instead of the miles credit cards now. Do I follow it myself? 👉Video youtu.be/-5E1WsOBPyE #ProfessorCardz "First law of Credit Cards" Anytime you get 10%(+-1%) cashback on Amazon Pay vouchers. Take it. 👉 ♥️ and 🔁 #ccgeek
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SaveToSmile retweeted
Three Cards that are close to my wallet: 🔥 HSBC Live+ 🔥 Cashback SBI 🔥 SBI BPCL Octane Almost all spends covered with these.
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SaveToSmile retweeted
Are you an existing HSBC Live+ customer and your card on old Visa Signature? If yes, you can convert your card from "Visa Signature" to "Visa Infinite" by just placing a request by calling customer care. And, also apply Add on Card by chat section in app or by requesting call back .
No need to take paid HDFC Swiggy BLCK #creditcard as upgrade... HSBC Live+ is crazy 🔥 Apply: bitli.in/Z4flK9f Currently, more useful for me than also Cashback SBI 🥳🎯 🏆Some are getting approval very easily but some have to re-request customer care. Applications are getting approved even after rejection with proper followup. 😊Don't forget to take Rs 750 Visa Welcome offer as new live+ is coming on Visa Infinite 🎉 🔥Cashback lover must have card, 10% on: 1) Grocery 2) Food Delivery 3) Dineout (At restaurant POS) 4) Utility (Electricity, Mobile Postpaid/ Prepaid, Broad Band, Gas Booking etc) 5) Shopping All major spends are here got covered 🔥 Domestic/International Lounge access without any spend and 1.5% cashback on all other eligible spends. 🎴Joining/annual fee Rs 999+, but 1200/month cashback is awesome. HSBC Live+, Rupay Cashback & PNB Zaggle are only my paid cards. bitli.in/Z4flK9f
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SaveToSmile retweeted
Eyes on SBI Eternal #creditcard??? Many people have eyes on SBI Eternal #creditcard only because they are Overleveraged by @SBICard_Connect You can say due to FOMO. Don't go for Eternal of SBI ⚔️ Better to go for HSBC Live+ for straight forward 10% cashback on all your food, dining, grocery & utility. 🎴10% on Blinkit, Swiggy, Zomato, Instamart, Zepto; 10% on offline restaurant POS. 🔥10% also on all your utility Electricity Bill, broadband bill, telephone bill, mobile recharge, Gas refill etc. Apply link is here: Link1: bitli.in/1tclQqH Link2: tinyurl.com/HSBC-Live-Pl
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SaveToSmile retweeted
It's really Malabar Gold??? Unexpected this type of frauds at a branded showroom. People reach at brand store only due to their faith in brand. But, what will happen if these bronds break your trust. Really shocking story.
🚨SHOCKING - FIR against Malabar: A man walked into a Malabar Gold showroom in Bilaspur with a simple request: exchange his old 22-carat HUID-hallmarked bracelet. The staff ran it through their XRF machine. Once. Twice. Three times. Every reading came back the same: 20 carat. They even told him the hallmark didn’t exist. He called the local jeweller who had sold him the bracelet. The jeweller walked in, confirmed the HUID, and asked them to test it again. Same machine. Same bracelet. Same room. This time an employee adjusted something on the machine. Suddenly the reading flipped to 916 - pure 22 carat. The jeweller recorded everything. The Sarafa Association arrived. Police registered an FIR against the showroom manager and the machine operator. The machine and DVR were seized. This wasn’t a small local shop. This was Malabar Gold “the chain that advertises trust, purity, and BIS standards across India”. One bracelet. Two readings. An 8% gap in gold value. And the only thing that changed was who was watching. If a hallmarked piece can magically lose two carats the moment a customer wants to exchange it, and magically regain them the moment someone pushes back, what exactly is the machine testing? Customers don’t walk into Malabar expecting a calibration error that only appears when they’re selling gold. They walk in expecting the purity printed on their receipt. The FIR is real. The readings are on record. The machine was seized. Malabar still hasn’t explained why the same piece of gold needed a “setting” before it became 22 carat again. Until they do, this isn’t a machine glitch. It’s a business model.
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SaveToSmile retweeted
I received the option to flip my current LTF HDFC Swiggy card into BLCK (priced) or orng (LTF). I requested @HDFCBank_Cares to issue at least FYF BLCK at least. But, they denied via mail (attached herewith). I replied as below: "Means, you are saying that you are not ready to listen the customer request. You issued a Life Time Free Card. After Sometimes, you are closing that card and are forcing customer to take a priced card or to take a devalued card (orng) comparing the current card. It's a wrong business dealing & break the trust of customers. Generally, during this type of phase out banks offer best card to their customers but you are forcing the customers to go with priced card for similar benefits. I always appreciated HDFC but this time it's a very shit decision of the bank. Ornge is useless card comparing current Swiggy card. And, also you are denying for FYF which is forcing customers to think about closure of Card. Rest on yours. Regards, ☎️Like & repost this to show your love to HDFC 😄
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