Rushil (@RushilM_) header
Rushil (@RushilM_) profile picture

💳 Credit Cards • ✈️ Travel • 💰 Rewards • 💻 Tech Here to share my experiences, not to preach. Take what helps. Leave what doesn’t. Be kind. Move on.

Mumbai, India
Joined March 2025
RIP District Vouchers on Amazon. RIP ICICI. RIP HDFC Rewards. RIP Myntra Vouchers on Gold. RIP BigBasket Vouchers on Gold. RIP Scapia. RIP Amex Plat Travel. RIP Swiggy Vouchers on GyfTR. RIP HDFC Swiggy. One by one, they’re all falling. 🥀 RIP 2026 already? 🪦
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HSBC Live+ is slowly becoming that ALL-ROUNDER card that quietly does so much heavy lifting. 👀 10% cashback on Food, Groceries, Dining, and Utilities. And now... 10% cashback on FUEL. ⛽️ You just can't get enough of it. Honestly? The more HSBC Live+ cards, the merrier. 🔗 Make it your FUEL card here: bitli.in/IuZE7WY
10% cashback on FUEL. Yes, FUEL. ⛽ My HSBC Live+ is slowly turning into a fuel card. I was chasing the ₹1.2K cashback for this statement cycle (1st to 1st). My usual route? Amazon Pay GVs via Blinkit and Zepto. They’ve been OoS in my area this month, and I could only grab a handful. That’s when I stumbled upon HP Pay GVs on MagicPin. Turns out, THEY earn 10% cashback too. 🔥 Merchant - CAS*MagicPin (Mail) / MAGICPIN (OTP SMS) MCC - 5499 ✅ Fuel is an expense anyone and everyone has, no matter what. To get 10% cashback on it? THAT’S the real play. Dining, groceries, shopping… and now fuel. HSBC Live+ is getting seriously HARD to ignore.
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Rushil retweeted
10% cashback on FUEL. Yes, FUEL. ⛽ My HSBC Live+ is slowly turning into a fuel card. I was chasing the ₹1.2K cashback for this statement cycle (1st to 1st). My usual route? Amazon Pay GVs via Blinkit and Zepto. They’ve been OoS in my area this month, and I could only grab a handful. That’s when I stumbled upon HP Pay GVs on MagicPin. Turns out, THEY earn 10% cashback too. 🔥 Merchant - CAS*MagicPin (Mail) / MAGICPIN (OTP SMS) MCC - 5499 ✅ Fuel is an expense anyone and everyone has, no matter what. To get 10% cashback on it? THAT’S the real play. Dining, groceries, shopping… and now fuel. HSBC Live+ is getting seriously HARD to ignore.
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Rushil retweeted
🚨 Amazon Pay Vouchers at 3% OFF are BACK!!! ₹5,000 voucher. ₹4,850 to pay. ₹150 saved upfront. link.amazon/B0fzHAugt The best part? You can buy individual vouchers, making them perfect for hitting those milestones. 🎯 You can buy up to 5 per order, that’s ₹750 OFF in one go. Last night, even the 2% OFF had disappeared. This morning, we're BACK at 3%. Missed yesterday's 3% party? Here's another shot. Don’t count on a third. I certainly wouldn't. 🤷🏻‍♂️ 🔗 Affiliate
The 3% party didn't even last half a day, and it’s already over. 🤷🏻‍♂️ The ₹10K denomination has NO discount as of now. The ₹5K denomination STILL has 2% OFF. link.amazon/B0axQDW5A And… going by the pattern, even that MIGHT be gone by tomorrow. If you've been meaning to stock up on Amazon Pay GVs - 2% is as good as it gets right now. 🎯 Grab 'em BEFORE they disappear. 🔗 Affiliate
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10% cashback on FUEL. Yes, FUEL. ⛽ My HSBC Live+ is slowly turning into a fuel card. I was chasing the ₹1.2K cashback for this statement cycle (1st to 1st). My usual route? Amazon Pay GVs via Blinkit and Zepto. They’ve been OoS in my area this month, and I could only grab a handful. That’s when I stumbled upon HP Pay GVs on MagicPin. Turns out, THEY earn 10% cashback too. 🔥 Merchant - CAS*MagicPin (Mail) / MAGICPIN (OTP SMS) MCC - 5499 ✅ Fuel is an expense anyone and everyone has, no matter what. To get 10% cashback on it? THAT’S the real play. Dining, groceries, shopping… and now fuel. HSBC Live+ is getting seriously HARD to ignore.
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HSBC Live+ is that ALL-ROUNDER card quietly doing so much heavy lifting. Food, Groceries, Dining, Utilities... and now FUEL. ⛽️ Honestly, what's not to love? If I were you, I'd get as many of 'em as I could. 🔗 Make it your FUEL card here: bitli.in/luZE7WY Full breakdown. 👇🏻
Just got my hands on this ABSOLUTE BEAUTY - the most underrated card, pulling more weight than it's supposed to, and putting premium cards to shame. 👀 Think ~₹15,000 in benefits A YEAR. EVERY YEAR. And... that's not it. The FIRST YEAR alone is worth ~₹19,000. 🤯 I spent ₹12,000 on the very first day, the joining fee was realised and recovered the moment that transaction went through. The other 11 months? PURE UPSIDE. Here's everything you get. 👇🏻 💳 10% cashback on dining, food delivery, groceries, shopping & utilities (₹1,200/month cap) 💸 1.5% unlimited cashback on everything else 🎁 ₹1,000 cashback on ₹25K spent in the first 30 days 🪙 ₹750 Amazon Pay / Zomato / Swiggy voucher on activation (can go up to Rs. 3000, with 3 addons) ☕ ₹200 OFF at Starbucks 🛍️ 10% OFF on Myntra till 31 Oct 2026 ✈️ 4 domestic airport lounge visits a year 🔓 Annual fee waived on ₹2L yearly spends The easiest way to max out that ₹1,200 every month? Buy Amazon Pay GVs via Blinkit / Zepto / Magicpin - they fetch the accelerated 10% cashback. Then load them up, and use the Amazon Pay balance for everything. LITERALLY. EVERYTHING. Not too long ago, 10% cashback was a premium-card privilege. This one costs less than a dinner for two - and cards this generous have a habit of quietly getting worse once enough people notice. If I were you, I wouldn't wait. Hell, I didn't. 🔥 🔗 Apply Here (High-Approval Chances) - bitli.in/9I14OAf *Amazon and Flipkart earn 1.5% cashback, not 10%.
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HSBC Live+ is slowly becoming that ALL-ROUNDER card that quietly does so much heavy lifting. 👀 10% cashback on Food, Groceries, Dining, and Utilities. And now... 10% cashback on FUEL. ⛽️ You just can't get enough of it. Honestly? The more HSBC Live+ cards, the merrier. 🔗 Make it your FUEL card here: bitli.in/IuZE7WY
10% cashback on FUEL. Yes, FUEL. ⛽ My HSBC Live+ is slowly turning into a fuel card. I was chasing the ₹1.2K cashback for this statement cycle (1st to 1st). My usual route? Amazon Pay GVs via Blinkit and Zepto. They’ve been OoS in my area this month, and I could only grab a handful. That’s when I stumbled upon HP Pay GVs on MagicPin. Turns out, THEY earn 10% cashback too. 🔥 Merchant - CAS*MagicPin (Mail) / MAGICPIN (OTP SMS) MCC - 5499 ✅ Fuel is an expense anyone and everyone has, no matter what. To get 10% cashback on it? THAT’S the real play. Dining, groceries, shopping… and now fuel. HSBC Live+ is getting seriously HARD to ignore.
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🚨 Amazon Pay Vouchers at 3% OFF are BACK!!! ₹5,000 voucher. ₹4,850 to pay. ₹150 saved upfront. link.amazon/B0fzHAugt The best part? You can buy individual vouchers, making them perfect for hitting those milestones. 🎯 You can buy up to 5 per order, that’s ₹750 OFF in one go. Last night, even the 2% OFF had disappeared. This morning, we're BACK at 3%. Missed yesterday's 3% party? Here's another shot. Don’t count on a third. I certainly wouldn't. 🤷🏻‍♂️ 🔗 Affiliate
The 3% party didn't even last half a day, and it’s already over. 🤷🏻‍♂️ The ₹10K denomination has NO discount as of now. The ₹5K denomination STILL has 2% OFF. link.amazon/B0axQDW5A And… going by the pattern, even that MIGHT be gone by tomorrow. If you've been meaning to stock up on Amazon Pay GVs - 2% is as good as it gets right now. 🎯 Grab 'em BEFORE they disappear. 🔗 Affiliate
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Rushil retweeted
Why are you NOT buying Zomato GVs at 4% OFF on Amazon via ASV? 👀 I've already maxed out the brand voucher caps for the month on my Infinia, and it has been a pain to find Zomato GVs at more than 10% returns. That's where the ASV route has been a TRUE saviour. link.amazon/B08yHFJ83 The Play: • Buy ASV via EPM at net ~14% returns. • Buy Zomato GVs at 4% OFF on Amazon via ASV. That's ~18% effective savings, close to what EPM offers. 🔥 ASV is available at upfront discounts on CRED and a few other platforms - Pair it with your highest-reward card, then multi-dip by using it for Zomato GVs at 4% OFF on Amazon. 🔗 Affiliate
🚨 Zomato GVs available at 4% OFF on Amazon, and CAN be paid via ASV. link.amazon/B08gVom77 I bought ASV at 4% OFF on CRED, paid via Infinia for 3.3% returns, then used it for the 4% upfront discount on Zomato GVs. Net Savings: ~11% 🚀 Now that's SOME stack. 🔗 Affiliate
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The 3% party didn't even last half a day, and it’s already over. 🤷🏻‍♂️ The ₹10K denomination has NO discount as of now. The ₹5K denomination STILL has 2% OFF. link.amazon/B0axQDW5A And… going by the pattern, even that MIGHT be gone by tomorrow. If you've been meaning to stock up on Amazon Pay GVs - 2% is as good as it gets right now. 🎯 Grab 'em BEFORE they disappear. 🔗 Affiliate
🚨 Amazon Pay GVs are LIVE at 3% OFF, AGAIN!!! link.amazon/B01d4I8wy I grabbed 4 × ₹5K GVs with my Amex MRCC to get 'em SWEET ~10% returns. 🔥 The discount is NOW showing on the ₹10K denomination. Buy individual GVs or sets - either way, it's 3% OFF upfront. The ₹5K discount didn't stick around, and this won't either - so DO NOT sleep on 'em. ⏳ 🔗 Affiliate
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Rushil retweeted
🚨 Amazon Pay GVs are LIVE at 3% OFF, AGAIN!!! link.amazon/B01d4I8wy I grabbed 4 × ₹5K GVs with my Amex MRCC to get 'em SWEET ~10% returns. 🔥 The discount is NOW showing on the ₹10K denomination. Buy individual GVs or sets - either way, it's 3% OFF upfront. The ₹5K discount didn't stick around, and this won't either - so DO NOT sleep on 'em. ⏳ 🔗 Affiliate
🚨 Amazon just woke up and chose violence - Amazon Pay GVs are available at 3% OFF!!! The best part? You can buy individual GVs at 3% OFF upfront, not 3 of them at once, or in sets of 3. That’s ₹150 OFF on ₹5K. I've been saving my Amex MRCC for this EXACT day, so I can hit both milestones this month and get those sweet ~10% returns. link.amazon/B054g1WPt Since it’s digital, the GV generates instantly. So be mindful of the merchant name and associated MCC: • AMAZONPAYIND - 5262 ✅ • ASSPL - 5399 ✅ • AMAZON PAY INDIA PRIVATE - 5262/5399/5699 ✅ • AMAZON GIFT CARD - 5947 ❌ Go, hit 'em milestones. As always, grab 'em FASTTT. 🔥 🔗 Affiliate
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Rushil retweeted
Apple casually putting these price tags on a product is an uncalled-for reality check. Seeing something cost more than what 80% of Indians earn in a year makes you think beyond whether you'd ever buy it. There's a difference between "I don't want it" and "I can't afford it." It's about reaching a point where not buying it is a choice, not a limitation. You might still look at the price and decide it isn't worth the money. But the life you'd build to have that choice? That would be worth working towards. With or without the purchase. :)
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Rushil retweeted
Air India just dug their co-branded card's GRAVE before it was even BORN. 🪦 They really thought partnering with SBI would help them attract frequent flyers? Huh, who's gonna tell them the problem isn't getting people to apply? It's getting the VERY bank they picked to say YES. For MOST of the folks, this is how it goes: Apply → Rejected Reason → "Over-leveraged" Forget the card benefits. First, get past the bank. 💀
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Why are you NOT buying Zomato GVs at 4% OFF on Amazon via ASV? 👀 I've already maxed out the brand voucher caps for the month on my Infinia, and it has been a pain to find Zomato GVs at more than 10% returns. That's where the ASV route has been a TRUE saviour. link.amazon/B08yHFJ83 The Play: • Buy ASV via EPM at net ~14% returns. • Buy Zomato GVs at 4% OFF on Amazon via ASV. That's ~18% effective savings, close to what EPM offers. 🔥 ASV is available at upfront discounts on CRED and a few other platforms - Pair it with your highest-reward card, then multi-dip by using it for Zomato GVs at 4% OFF on Amazon. 🔗 Affiliate
🚨 Zomato GVs available at 4% OFF on Amazon, and CAN be paid via ASV. link.amazon/B08gVom77 I bought ASV at 4% OFF on CRED, paid via Infinia for 3.3% returns, then used it for the 4% upfront discount on Zomato GVs. Net Savings: ~11% 🚀 Now that's SOME stack. 🔗 Affiliate
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🚨 Amazon Pay GVs are LIVE at 3% OFF, AGAIN!!! link.amazon/B01d4I8wy I grabbed 4 × ₹5K GVs with my Amex MRCC to get 'em SWEET ~10% returns. 🔥 The discount is NOW showing on the ₹10K denomination. Buy individual GVs or sets - either way, it's 3% OFF upfront. The ₹5K discount didn't stick around, and this won't either - so DO NOT sleep on 'em. ⏳ 🔗 Affiliate
🚨 Amazon just woke up and chose violence - Amazon Pay GVs are available at 3% OFF!!! The best part? You can buy individual GVs at 3% OFF upfront, not 3 of them at once, or in sets of 3. That’s ₹150 OFF on ₹5K. I've been saving my Amex MRCC for this EXACT day, so I can hit both milestones this month and get those sweet ~10% returns. link.amazon/B054g1WPt Since it’s digital, the GV generates instantly. So be mindful of the merchant name and associated MCC: • AMAZONPAYIND - 5262 ✅ • ASSPL - 5399 ✅ • AMAZON PAY INDIA PRIVATE - 5262/5399/5699 ✅ • AMAZON GIFT CARD - 5947 ❌ Go, hit 'em milestones. As always, grab 'em FASTTT. 🔥 🔗 Affiliate
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Apple casually putting these price tags on a product is an uncalled-for reality check. Seeing something cost more than what 80% of Indians earn in a year makes you think beyond whether you'd ever buy it. There's a difference between "I don't want it" and "I can't afford it." It's about reaching a point where not buying it is a choice, not a limitation. You might still look at the price and decide it isn't worth the money. But the life you'd build to have that choice? That would be worth working towards. With or without the purchase. :)
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Rushil retweeted
Ever needed to pre-pay to your CC... ... but ever since BBPS stopped pre-payments, NetBanking felt like the only option left? 👀 There’s another way. Pre-pay to your CC via the CC UPI ID or NEFT. I’ve compiled major banks’ CC UPI IDs / NEFT details for easy reference. 🧵
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Rushil retweeted
🚨 Amazon just woke up and chose violence - Amazon Pay GVs are available at 3% OFF!!! The best part? You can buy individual GVs at 3% OFF upfront, not 3 of them at once, or in sets of 3. That’s ₹150 OFF on ₹5K. I've been saving my Amex MRCC for this EXACT day, so I can hit both milestones this month and get those sweet ~10% returns. link.amazon/B054g1WPt Since it’s digital, the GV generates instantly. So be mindful of the merchant name and associated MCC: • AMAZONPAYIND - 5262 ✅ • ASSPL - 5399 ✅ • AMAZON PAY INDIA PRIVATE - 5262/5399/5699 ✅ • AMAZON GIFT CARD - 5947 ❌ Go, hit 'em milestones. As always, grab 'em FASTTT. 🔥 🔗 Affiliate
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Rushil retweeted
Hey @netflix @NetflixIndia, why are you making it so difficult for families to share an account? I live in Mumbai. My parents live in Delhi. We share one Netflix account because, of course, we’re a family. I don’t share it with friends or extended family. Just my parents. Yet every 10 days or so, we have to update the household and enter security codes just to get another 14 days of temporary access. So, are you seriously saying parents and their children need separate Netflix plans just because they don't live under the same roof? We’re talking about a family sharing one account, not strangers sharing passwords. Get real, Netflix!
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Rushil retweeted
Why does getting decent AC in an AC cab have to be an argument, EVERY SINGLE TIME? I took an Uber Go for a short ride. It’s been brutally hot in Mumbai lately, and as usual, the AC was on 1, so I asked the driver to turn it up to 2. He told me straight to my face that I’d booked a Go, so the AC could only run on 1. When I tried to reason with him, he explained the categories to me: • Go: Stays on 1, no matter what. • Sedan: Stays on 1, can go up to 2. • Prime: Stays on 1-2, can go up to 3. • XL: Stays on 1-2, can go up to 3 or higher. According to him, these rules apply across cab aggregators. So apparently, I'm supposed to choose my cab category based on the blower speed I want. A bigger car, more legroom, a more comfortable ride - those are upgrades I understand. But turning the AC up from 1 to 2, or even 3? THAT’S an upgrade? Who's going to tell him that the compressor does the heavy lifting in the AC system, not the blower? We already pay for an AC cab, and decent cooling is part of the ride, not a luxury upgrade. Get real, @Uber_India @Olacabs @rapidoapp_.
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Rushil retweeted
Amazon Pay GVs at 3% OFF are literally a BLESSING for Amex MRCC holders. 👀 Why? You're looking at ~10% effective returns. 🔥 link.amazon/B054g1WPt Buy 4 × ₹5K Amazon Pay GVs for ₹19,400, then buy ₹600 GVs on ShopWise (2X MR) to hit both monthly milestones: • 4 transactions of ₹1,500 or more → 1,000 MR • ₹20,000 monthly spend → 1,000 MR The Math: Total Voucher Value: ₹20,600 You Pay: ₹20,000 Upfront Discount: ₹600 Base MR Earned: 400 Bonus MR (2X on ShopWise): 12 Milestone MR: 2,000 Total MR: 2,412 MR Value (assuming ₹0.58/MR): ~₹1,399 Total savings: ~₹1,999. That's ~10% of the ₹20,600 voucher value. 🚀 NOW that's a deal. 🔥 🔗 Affiliate
🚨 Amazon just woke up and chose violence - Amazon Pay GVs are available at 3% OFF!!! The best part? You can buy individual GVs at 3% OFF upfront, not 3 of them at once, or in sets of 3. That’s ₹150 OFF on ₹5K. I've been saving my Amex MRCC for this EXACT day, so I can hit both milestones this month and get those sweet ~10% returns. link.amazon/B054g1WPt Since it’s digital, the GV generates instantly. So be mindful of the merchant name and associated MCC: • AMAZONPAYIND - 5262 ✅ • ASSPL - 5399 ✅ • AMAZON PAY INDIA PRIVATE - 5262/5399/5699 ✅ • AMAZON GIFT CARD - 5947 ❌ Go, hit 'em milestones. As always, grab 'em FASTTT. 🔥 🔗 Affiliate
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