Sagar Paleja ๐Ÿ‡ฎ๐Ÿ‡ณ (@smartspendcode) header
Sagar Paleja ๐Ÿ‡ฎ๐Ÿ‡ณ (@smartspendcode) profile picture

๐Ÿ•‰๏ธ I Cybersec๐Ÿ’ป I Cricket๐Ÿ | Investor ๐Ÿ“Š | FPLโšฝ๏ธ I Traveller ๐Ÿ›ฉ๐ŸŒ I #ccgeek ๐Ÿ’ณ I Arsenalโค๏ธ I Views my own I DM for collab๐Ÿค ๐Ÿ“ฒDM to Book VIP stays with Perks

India That is Bharat
Joined May 2010
HSBC has finally resolved both my pending issues after escalation! โœ… 1๏ธโƒฃ June debit card cashback, which was pending for long, has finally been credited. 2๏ธโƒฃ Missing accelerated points have also been credited. The cashback certainly took its time, but considering the amount involved, it was worth the wait and the follow ups. ๐Ÿ˜‚ I've also replied to followers who reached out via DM with the right steps and escalation channels. One thing I've learned: Never stop chasing banks for what you're rightfully owed. Keep following up, escalate through the right channels๐Ÿ‘
HSBC's inconsistency continues. ๐Ÿ˜‘ Booked flights via Hopper using HSBC TravelOne this month, but once again, they haven't credited the full 18k bonus points as per 6x offer. I've escalated the issue again. โš ๏ธ If you're maxing out the 6x flight booking, check whether the full 18K points have been credited. If not: 1๏ธโƒฃ Raise it with customer support. 2๏ธโƒฃ Escalate through the right channel if it remains unresolved. DM me for the contact. Anyone else facing this issue? Comment ๐Ÿ‘‡ This needs to be raised until HSBC fixes it permanently. ๐Ÿ‘€
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๐Ÿšจ Axis has started sending out MakeMyTrip vouchers to customers who fulfilled the Axis Bank Overseas Spend Campaign for August 2026. Check your texts. I haven't received any email. 6k voucher for 2L forex spends. Well, this technically makes the M4B a zero forex card, on top of the 14% AEP returns. ๐Ÿ‘€ Great offer from Axis and its ongoing!
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๐Ÿšจ AU Bank Zenith+ revaluation! Few changes coming into effect from 1st December 2026: ๐ŸŒ Forex benefits โ€ข 0% forex markup, earlier 1% โ€ข Reward Points on international spends discontinued ๐Ÿจ Upgraded Taj benefits โ€ข Taj Preferred membership โ€ข Complimentary night โ€ข Exclusive privileges on spending โ‚น12L or more Earlier, the Taj benefit didn't include a complimentary night, so that's a welcome addition. I've had this card sitting in the drawer for quite some time. Even tried closing it at the last renewal, but AU reversed the annual fee, so I continued. Need to check how existing cardholders can avail the upgraded Taj benefits. But if you're looking at the first year benefits, this card now offers decent value for a 5.9k fee.
It's the AU Bank Zenith+ Card! ๐Ÿ˜๐Ÿ’ณ Many of you guessed it right! The card has a premium metal feel with green and gold liners, making it one of the best-looking cards, IMO. โœจ Joining fee: โ‚น5k, offset by welcome benefits. Reward rates are not great, but I got it mainly for the airport meet & greet service (a rarity these days). ๐Ÿ™Œ โœˆ๏ธ If you're having trouble getting this card, follow and DM me! I can connect you with an RM who resolved my issues in 3-4 days and got my card approved. ๐Ÿ™Œ #Aubank #zenith #zenithplus #ccgeek #ccgeek #CreditCard #Travel #Finance #Banking
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The email directs customers to the Easy Access Savings Account charges chart, which mentions a maximum penalty of โ‚น600. However, when you select the Burgundy Savings Account from the dropdown, the charges listed are NIL. So which one actually applies to Burgundy customers? Typical ๐Ÿช“s
๐Ÿšจ Devaluation Alert from @AxisBank : Non-maintenance charges loading for Savings Accounts including Burgundy Accounts!
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๐Ÿš€ Jio Platforms IPO allotment! Got 180 shares โœ… Not a lot, but no complaints. It's been ages since I got an IPO allotment! Might hold this one, haven't decided yet. Who's got how many shares? And what's the plan, sell on listing, hold or buy more? ๐Ÿ‘€
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๐Ÿ’ธ Another great cashout from TopCashback! Withdrawals go straight to your bank via PayPal, usually within 3 to 4 days. ๐Ÿ™Œ ๐ŸŽSignup before 31st Oct! Get an EXTRA โ‚น1,500 Amazon Pay voucher from me ๐Ÿ‘‡ tinyurl.com/SignUpTopCashBacโ€ฆ โœ… Earn $10 cashback in payable mode within 180 days. ๐Ÿ“ฒ DM me your username so I can verify! Klook is an option for qualifying cashback. Check referral exclusions in the T&Cs. Accor was amazing because cashback worked even on bookings paid with points, but unfortunately accor is now removed! Earn real cashback on purchases you're already making online! ๐Ÿ’ฐ
๐ŸŽ‰ TopCashback turns 15 with MEGA extra cashback offers! ๐Ÿ”ฅ Klook: Up to 22% โœˆ๏ธ Trip com | ๐Ÿจ Expedia | ๐ŸŽŸ๏ธ Viator | ๐Ÿจ IHG: Up to 15% ๐Ÿ’ธ PLUS, get an extra โ‚น1,500 Amazon Pay voucher from me! โณ Sign up before 31st Oct ๐Ÿ‘‡ tinyurl.com/SignUpTopCashBacโ€ฆ โœ… Complete $10 cashback in payable mode within 180 days ๐Ÿ“ฒ DM your username once done. TopCashback = REAL cashback on purchases you're already making online. Don't miss out! ๐ŸŽฏ
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Finally, we have our first transfer partner for the Equitas PowerMiles card: Air India! โœˆ๏ธ I'll still wait for more partners to come since I already have the SBI co branded card for Air India. Here's why it's still decent value: ๐Ÿ’Ž Diamond tier rewards โ€ข 3% base rewards โ€ข 9% on forex spends ๐ŸŽ Benefits for a โ‚น5K card on reaching Diamond โ€ข โ‚น6,500 MakeMyTrip voucher โ€ข โ‚น1,500 Amazon voucher โ€ข โ‚น750 BookMyShow voucher The best part? The โ‚น6,500 MMT voucher worked like a wallet balance, so I could apply it to practically anything at checkout. Interested in the card? Apply here ๐Ÿ‘‡ tinyurl.com/EquitasCard Even the 3% voucher value makes this card worthwhile, IMO. That's why I've never really complained about the Equitas card, regardless of how long they take to add partners or whether they add any at all. ๐Ÿ˜‚ DM me if you face any issues with the application or have other queries. Happy to help!
So finally the Equitas PowerMiles card is here ๐Ÿ’ณ๐ŸŽ‰ The entire journey from pre approval to VKYC to physical card delivery took 10 days total, including weekends and holidays (around 4 to 5 working days). Thatโ€™s pretty decent with the new link and dedicated support. Apply here ๐Ÿ”— tinyurl.com/EquitasCard , If you are planning to apply for Tiga, Selfe or PowerMiles. DM me if you face any issues during the process ๐Ÿ‘
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๐ŸŽ‰ TopCashback turns 15 with MEGA extra cashback offers! ๐Ÿ”ฅ Klook: Up to 22% โœˆ๏ธ Trip com | ๐Ÿจ Expedia | ๐ŸŽŸ๏ธ Viator | ๐Ÿจ IHG: Up to 15% ๐Ÿ’ธ PLUS, get an extra โ‚น1,500 Amazon Pay voucher from me! โณ Sign up before 31st Oct ๐Ÿ‘‡ tinyurl.com/SignUpTopCashBacโ€ฆ โœ… Complete $10 cashback in payable mode within 180 days ๐Ÿ“ฒ DM your username once done. TopCashback = REAL cashback on purchases you're already making online. Don't miss out! ๐ŸŽฏ
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Etihad Guest miles to ITC / Accor points could be a great option now via Maximize! ๐Ÿ‘€ I'd used my Etihad Gold vouchers to buy 6,000 Flipkart SuperCoins, which can now translate into 4,200 ITC / Accor value or 4,200 Avios. ๐Ÿ’ณ The BOB Etihad Guest Premium Credit Card is still offering up to 15K bonus miles if you apply before 15th November. ๐Ÿ‘‰ Apply here: tinyurl.com/BOBEtihadGuest Great joining benefits and a simple way to build your Etihad miles balance for opportunities like these. โœˆ๏ธ
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Arijit Singh ๐Ÿ‘‘โค๏ธ
For the first time ever, over 15 artists across multiple stages, coming together for one extraordinary day. Don't miss your chance to be part of UNIFYD! 20 March 2027 | Etihad Live, Abu Dhabi, UAE Download the District app to book your tickets! #UNIFYD #MusicFestival #ArijitSingh #KaranAujla #SonuNigam
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๐Ÿšจ Times Black cardholders, check your app! 2 complimentary Truefitt & Hill vouchers have now been activated if you enrolled in and completed the September spend offer. ๐Ÿ’ˆ ๐Ÿ“… Codes valid till January 2027. This will be my 5th Truefitt & Hill voucher with this card. ๐Ÿ˜„ The 1838 card gives you 4 such vouchers after charging you โ‚น2L in annual fees ๐Ÿ˜œ Times Black keeps delivering! ๐Ÿ‘€
โฐ Times Black cardholders, don't forget to enroll for the September offer! Complete โ‚น1L spends in September and you get: ๐Ÿ’ˆ 2 complimentary Truefitt & Hill Royal Signature vouchers ๐Ÿ’ฐ Worth โ‚น6,200 That's an additional 6.2% value on top of the regular 2% rewards, decent offer to complete your spends. if you're planning your advance tax payments, these spends can count towards both your milestone and base rewards. โš ๏ธ One important catch: Tax rewards are capped at 5,000 points, so โ‚น2.5L is the maximum tax spend I'd consider for rewards. If you have a Times Black, enroll first and then complete the โ‚น1L September spend. ๐Ÿ‘€
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2% return in Accor on UPI spends is pretty decent! ๐Ÿ‘€ Glad I opted for the RuPay variant, I've shifted all my UPI spends from Scapia and Tata Neu to Kotak Air+. First Year Free offer is still available. Apply ๐Ÿ‘‡ ๐Ÿ‘‰ tinyurl.com/KotakAirPlusFYF
My first ever Kotak credit card is here! ๐Ÿ‘€ Been with Kotak Bank for 10+ years, but never really liked their CC portfolio until Kotak Air+ showed up on my app with a FYF offer. ๐Ÿ‘‰ FYF: tinyurl.com/KotakAirPlusFYF The biggest attraction for me is the Accor & Qatar transfer partners, especially after Axis removed both. They're also with HSBC, but I can't really rely on HSBC given how they operate. ๐Ÿ˜… It's a decent 2% base reward card, with: ๐ŸŽฏ 5,000 miles on โ‚น1.5L quarterly spends โœˆ๏ธ 5% via Kotak Unbox on flights, hotels and vouchers ๐ŸŽ Gift cards and gold aren't excluded as of now ๐Ÿจ 1 mile = โ‚น1 on flights and hotels ๐Ÿ”„ 2:1 for transfer partners Went with the RuPay variant since there are no miles on forex spends, so Visa or Mastercard didn't make much sense. RuPay also gets some occasional offers. There's also a glitch currently allowing you to apply for the card as LTF: ๐Ÿ‘‰ tinyurl.com/KotakAirPlus-LTF Apply for LTF at your own risk though. The bank can roll this back anytime. You get 2,500 miles on renewal against the โ‚น3K fee, which is almost full value back if transferred to Accor. Spend โ‚น4L in the first year and the next year's fee is waived anyway. So the current FYF offer makes this a good 2 year card. Definitely an interesting addition, are you applying?๐Ÿ‘€
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"I was chanting Hanuman Chalisa at that time" - Capt Smit เคคเฅเคฎ เคฐเค•เฅเคทเค• เค•เคพเคนเฅ‚ เค•เฅ‹ เคกเคฐเคจเคพ ๐Ÿ™ Jai Hanuman! ๐Ÿšฉ โ€“ at Kurseong, India
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๐Ÿ“ Taj Chia Kutir, Darjeeling Amazing property and what a beautiful time to be here. โค๏ธ Another โ‚น1.5L+ Taj trip at almost zero cash outflow. ๐Ÿ‘€ Apparently, credit cards are for losers who plan and execute a random 2 night getaway from Mumbai to Darjeeling a few days in advance. ๐Ÿ˜‚ And somehow that random thought turned into this โคต๏ธ ๐ŸŽŸ๏ธ 1 night voucher via Scapia ๐ŸŽŸ๏ธ 1 night voucher via EPM Epicure โœˆ๏ธ To and fro flights for 2 booked using EPM points โฌ†๏ธ Base room upgraded to Luxury Valley View ๐Ÿ’ณ All add ons and transfers settled through Amex vouchers Bhagwan credit cards se door rakhe winners ko ๐Ÿ˜‚
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