✨ Welcome to the magical world of credit cards! ✨ Sharing tips, tricks, and insights to help you become a true Cards Wizard. 🧙♂️💳✨
Mumbai, India
Joined June 2023
- Tweets32.8K
- Following378
- Followers25.9K
- Likes49.4K
Pinned Tweet
👀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
Only reason anyone knows about this is because a few of us actually read the MITC.
The regular customer? Finds out when the ₹3,500 shows up on his statement.
@RBI the 1-month notice rule is only as good as its enforcement. @HDFC_Bank this isn't done.
🚨 Silent Devaluation by HDFC
With the recent surge in Infinia network change requests (from Mastercard to Visa for the Visa Power Travel offer), HDFC has now explicitly included network changes under card reissuance charges too.
- Non-metal cards: ₹199
- Metal cards: ₹3,500
@HDFCBank_Cares bro, what happened to @RBI's requirement for at least one month's prior notice?
Harshit Bohra | Cards Wizard 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.
Harshit Bohra | Cards Wizard retweeted
🚨 Silent Devaluation by HDFC
With the recent surge in Infinia network change requests (from Mastercard to Visa for the Visa Power Travel offer), HDFC has now explicitly included network changes under card reissuance charges too.
- Non-metal cards: ₹199
- Metal cards: ₹3,500
@HDFCBank_Cares bro, what happened to @RBI's requirement for at least one month's prior notice?
Well rather my Infinia leveled up ...
Now with the super saiyyan like rewards upto 20.5% courtesy visa power travel!!
Check out the video 😍
Thanks for heads up @CreditCardsInd @DoBaniye
Harshit Bohra | Cards Wizard retweeted
🎯
"Air India x SBI card is dead on arrival. Everyone will get rejected for being over-leveraged." 🪦
That's a Twitter take. Not real life. 🙄
India now has ~12.5 crore credit cards.
Banks added 12.6 lakh new ones in September alone. 📈
SBI will say yes. Just not to the guy with 9 cards and a spend tracker spreadsheet. That's us. A tiny bubble.
The real target is a frequent flyer with one card and a clean CIBIL. SBI will approve her just fine. ✈️
We're not the market. We just tweet like we are. 🤣
Harshit Bohra | Cards Wizard retweeted
Well said.
"Air India x SBI card is dead on arrival. Everyone will get rejected for being over-leveraged." 🪦
That's a Twitter take. Not real life. 🙄
India now has ~12.5 crore credit cards.
Banks added 12.6 lakh new ones in September alone. 📈
SBI will say yes. Just not to the guy with 9 cards and a spend tracker spreadsheet. That's us. A tiny bubble.
The real target is a frequent flyer with one card and a clean CIBIL. SBI will approve her just fine. ✈️
We're not the market. We just tweet like we are. 🤣
👀
"Air India x SBI card is dead on arrival. Everyone will get rejected for being over-leveraged." 🪦
That's a Twitter take. Not real life. 🙄
India now has ~12.5 crore credit cards.
Banks added 12.6 lakh new ones in September alone. 📈
SBI will say yes. Just not to the guy with 9 cards and a spend tracker spreadsheet. That's us. A tiny bubble.
The real target is a frequent flyer with one card and a clean CIBIL. SBI will approve her just fine. ✈️
We're not the market. We just tweet like we are. 🤣
"Air India x SBI card is dead on arrival. Everyone will get rejected for being over-leveraged." 🪦
That's a Twitter take. Not real life. 🙄
India now has ~12.5 crore credit cards.
Banks added 12.6 lakh new ones in September alone. 📈
SBI will say yes. Just not to the guy with 9 cards and a spend tracker spreadsheet. That's us. A tiny bubble.
The real target is a frequent flyer with one card and a clean CIBIL. SBI will approve her just fine. ✈️
We're not the market. We just tweet like we are. 🤣
Harshit Bohra | Cards Wizard retweeted
🎂 We celebrated my wife's birthday with a short but memorable getaway to Jaisalmer in Jan.
🏜️ Desert camps, dune bashing, golden sunsets and a memorable stay.
💳 Trip was stitched together via credit card points.
✨ Here's our complete 4D/3N Jaisalmer itinerary & redemptions
Harshit Bohra | Cards Wizard retweeted
As expected this one should break the internet! 👀
✅ Eternal
✅ Air India
⌛ But... One more to go!
Harshit Bohra | Cards Wizard retweeted
LRS going to zero is not good at all. Even if it's a rumour or a test balloon, it's not a good signal to send. Not sure if all biz channels are going with that story, I only saw Zee Biz so far. Good time for RBI to clarify since RBI has been named.
HSBC travelone genuinely has the best offers for revenue fares!
+ 4% miles back! 😍😍😍
🌏 Is this the New King of Travel Cards? 👑
✈️ With Axis Atlas now locked away, the travel card throne is empty.
🤔 Can HSBC TravelOne take the crown?
👉 cardswizard.link/hsbc-t1
TL; DR 👇
✅ Built for travel lovers who book smart.
🚀 Up to ~25% rewards on certain spends!
❌ Painful forex fees & a long exclusion list hold it back.
Let’s find out — every perk, every trap. 🧵
Harshit Bohra | Cards Wizard retweeted
Now you know why ccgeeks are always overleveraged 😄
🚀 Latest Chull just got delivered
✨ PNB Luxura RuPay Metal
Got this strictly for the "chull" and to see if the RuPay Ekaa ecosystem actually matures into something useful.
Brief Highlights:
💰 1% Base Reward Rate (4 RP per ₹100; 1 RP = ₹0.25)
📈 3X Rewards on Dining & Travel (12 RP per ₹100)
🛍️ 5X Reward Platform: Partners like Myntra & Flipkart are via PNB Rewardz.
🌍 2.5% Forex Markup
🏨 ITC Hospitality: 1+1 Dining (Set menu) & Spa + 2+1 Night stays.
✈️ Lounge Access: Limited to 2 Domestic/qtr and 4 International/year.
💸 Fees:
* Joining Fee: ₹9,000 + GST (Waived on ₹2.5L spend in 90 days)
* Annual Fee: ₹7,500 + GST (Waived on ₹8L annual spend)
🎁 40,000 Welcome Points (₹10k value) on ₹50k spend in 90 days
🏆 10,000 Milestone Points on hitting ₹5L annual spend
Why RuPay Ekaa? It’s supposed to be NPCI’s answer to Visa Infinite, aiming for "Access" think early entry to concerts, exclusive movie screenings, and HNI-only events.
Let's see how it unfolds! 🇮🇳
Harshit Bohra | Cards Wizard retweeted
Revaluation alert? But is it? 🤔
Got the Accor Explorer+ via PNB Luxura Ekaa.
✅ 30 status nights + Gold, instantly
❌ 0 Stay Plus nights
T&C says 2. Some got 1. I got none.
Without Stay Plus, it's mostly Gold + discounts.
Did someone get it?
🚀 Latest Chull just got delivered
✨ PNB Luxura RuPay Metal
Got this strictly for the "chull" and to see if the RuPay Ekaa ecosystem actually matures into something useful.
Brief Highlights:
💰 1% Base Reward Rate (4 RP per ₹100; 1 RP = ₹0.25)
📈 3X Rewards on Dining & Travel (12 RP per ₹100)
🛍️ 5X Reward Platform: Partners like Myntra & Flipkart are via PNB Rewardz.
🌍 2.5% Forex Markup
🏨 ITC Hospitality: 1+1 Dining (Set menu) & Spa + 2+1 Night stays.
✈️ Lounge Access: Limited to 2 Domestic/qtr and 4 International/year.
💸 Fees:
* Joining Fee: ₹9,000 + GST (Waived on ₹2.5L spend in 90 days)
* Annual Fee: ₹7,500 + GST (Waived on ₹8L annual spend)
🎁 40,000 Welcome Points (₹10k value) on ₹50k spend in 90 days
🏆 10,000 Milestone Points on hitting ₹5L annual spend
Why RuPay Ekaa? It’s supposed to be NPCI’s answer to Visa Infinite, aiming for "Access" think early entry to concerts, exclusive movie screenings, and HNI-only events.
Let's see how it unfolds! 🇮🇳
Harshit Bohra | Cards Wizard retweeted
🚀 Latest Chull just got delivered
✨ PNB Luxura RuPay Metal
Got this strictly for the "chull" and to see if the RuPay Ekaa ecosystem actually matures into something useful.
Brief Highlights:
💰 1% Base Reward Rate (4 RP per ₹100; 1 RP = ₹0.25)
📈 3X Rewards on Dining & Travel (12 RP per ₹100)
🛍️ 5X Reward Platform: Partners like Myntra & Flipkart are via PNB Rewardz.
🌍 2.5% Forex Markup
🏨 ITC Hospitality: 1+1 Dining (Set menu) & Spa + 2+1 Night stays.
✈️ Lounge Access: Limited to 2 Domestic/qtr and 4 International/year.
💸 Fees:
* Joining Fee: ₹9,000 + GST (Waived on ₹2.5L spend in 90 days)
* Annual Fee: ₹7,500 + GST (Waived on ₹8L annual spend)
🎁 40,000 Welcome Points (₹10k value) on ₹50k spend in 90 days
🏆 10,000 Milestone Points on hitting ₹5L annual spend
Why RuPay Ekaa? It’s supposed to be NPCI’s answer to Visa Infinite, aiming for "Access" think early entry to concerts, exclusive movie screenings, and HNI-only events.
Let's see how it unfolds! 🇮🇳
Revaluation alert? But is it? 🤔
Got the Accor Explorer+ via PNB Luxura Ekaa.
✅ 30 status nights + Gold, instantly
❌ 0 Stay Plus nights
T&C says 2. Some got 1. I got none.
Without Stay Plus, it's mostly Gold + discounts.
Did someone get it?
🚀 Latest Chull just got delivered
✨ PNB Luxura RuPay Metal
Got this strictly for the "chull" and to see if the RuPay Ekaa ecosystem actually matures into something useful.
Brief Highlights:
💰 1% Base Reward Rate (4 RP per ₹100; 1 RP = ₹0.25)
📈 3X Rewards on Dining & Travel (12 RP per ₹100)
🛍️ 5X Reward Platform: Partners like Myntra & Flipkart are via PNB Rewardz.
🌍 2.5% Forex Markup
🏨 ITC Hospitality: 1+1 Dining (Set menu) & Spa + 2+1 Night stays.
✈️ Lounge Access: Limited to 2 Domestic/qtr and 4 International/year.
💸 Fees:
* Joining Fee: ₹9,000 + GST (Waived on ₹2.5L spend in 90 days)
* Annual Fee: ₹7,500 + GST (Waived on ₹8L annual spend)
🎁 40,000 Welcome Points (₹10k value) on ₹50k spend in 90 days
🏆 10,000 Milestone Points on hitting ₹5L annual spend
Why RuPay Ekaa? It’s supposed to be NPCI’s answer to Visa Infinite, aiming for "Access" think early entry to concerts, exclusive movie screenings, and HNI-only events.
Let's see how it unfolds! 🇮🇳
🚀 Latest Chull just got delivered
✨ PNB Luxura RuPay Metal
Got this strictly for the "chull" and to see if the RuPay Ekaa ecosystem actually matures into something useful.
Brief Highlights:
💰 1% Base Reward Rate (4 RP per ₹100; 1 RP = ₹0.25)
📈 3X Rewards on Dining & Travel (12 RP per ₹100)
🛍️ 5X Reward Platform: Partners like Myntra & Flipkart are via PNB Rewardz.
🌍 2.5% Forex Markup
🏨 ITC Hospitality: 1+1 Dining (Set menu) & Spa + 2+1 Night stays.
✈️ Lounge Access: Limited to 2 Domestic/qtr and 4 International/year.
💸 Fees:
* Joining Fee: ₹9,000 + GST (Waived on ₹2.5L spend in 90 days)
* Annual Fee: ₹7,500 + GST (Waived on ₹8L annual spend)
🎁 40,000 Welcome Points (₹10k value) on ₹50k spend in 90 days
🏆 10,000 Milestone Points on hitting ₹5L annual spend
Why RuPay Ekaa? It’s supposed to be NPCI’s answer to Visa Infinite, aiming for "Access" think early entry to concerts, exclusive movie screenings, and HNI-only events.
Let's see how it unfolds! 🇮🇳