Credit Card Enthusiast 💳 | Vice President | Tech Author 📚 | TEDx Speaker 🎤 | Former Microsoft MVP 🏅 DM for collaborations
India
Joined October 2011
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Awesome news! 🚀
CCPerk is here, a fresh new player in the credit card space helping users discover rewards, perks, cashback opportunities, and smarter ways to maximize their cards 💳
Go give it a try 👇
Join using my referral:
ccperk.com/login/AWKP4288
If you have any questions, drop them in the comments, happy to help 😊
#ccgeek #ccperk #creditcards #ccgeeks
Most people use credit cards daily… but very few truly maximize their benefits.
That’s why we built CCPerk 💳
What started as a simple frustration turned into months of building, testing, learning, and dreaming.
A smarter way to discover perks, rewards, cashback opportunities, and learn everything about credit cards in one place.
This is more than an app for us. It’s the beginning of a community around smarter financial habits ❤️
Start your journey here👇
ccperk.com/login/NNQV8868
#ccgeeks #ccgeek #CCPerk #Fintech #StartupLaunch
Tadit Dash retweeted
🚨 🚨 An accident is traumatic enough. Being left stranded by the police for over TWO HOURS, with a FIVE-YEAR-OLD CHILD and a SENIOR CITIZEN (My Mother), is simply unacceptable.🚨 🚨
1️⃣ On 31 October 2026, at approximately 11:01 PM, our family met with a serious road accident near GAIL Service Station, Bagaluru Road, while travelling from KIAL towards Whitefield. A speeding Mahindra Thar (KA 01 NC 6868) rammed into our Tata Punch (KA 53 MM 7661). The impact deployed the airbags, left our car completely immobilised and caused minor injuries to the occupants - @AditiDoon @myr179
2️⃣ The actual accident footage is attached to this post. Senior Karnataka Police officials are requested to watch the video and examine the circumstances and severity of the collision.
3️⃣ Despite repeatedly contacting Chikkajala Traffic Police, our family was left stranded at the accident spot for over TWO HOURS. No assistance vehicle was made available. We eventually had to arrange our own transportation to the police station, leaving our severely damaged and unsecured vehicle abandoned on the roadside.
⁉️ What followed raises even more serious questions.⁉️
4️⃣ Despite repeated requests, the accident scene was not inspected and documented while our vehicle was still at the location. We were given varying explanations, including staff unavailability, the need to register an FIR first and that a spot inspection could only be conducted during daytime.
5️⃣ This raises serious concerns about compliance with Rule 150A read with Clause 1 of Annexure XIII of the Central Motor Vehicles Rules, 1989, which prescribe accident investigation procedures, including scene inspection, photography, video recording and preparation of a site plan.
6️⃣ We then had to independently arrange towing, wait for hours and manage the vehicle handover at approximately 4:30 AM.
7️⃣ An FIR (181/2026) has since been registered, naming the Thar driver. Both vehicles are reportedly being retained for RTO inspection.
8️⃣ We demand answers and immediate intervention from senior Karnataka Police officials:
1. Why was a family left stranded for over two hours after a serious road accident?
2. Why was the accident scene not inspected and documented despite repeated requests while the damaged vehicle was still there?
3. Who is accountable for the apparent lapses in the initial police response and investigation?
4. Why should accident victims have to independently arrange transportation, towing and manage basic formalities?
5. When will the RTO inspection be completed and our Tata Punch released? There must be no unnecessary retention of the vehicle.
9️⃣ We have preserved dashcam footage, photographs, videos of the accident scene, recordings of our interactions with police personnel and the video of the vehicle handover. The accident footage is attached to this post for immediate reference.
🔟 We are NOT asking for special treatment. We are asking for the police to follow prescribed procedures, preserve evidence, act responsibly and treat accident victims with basic consideration.
AN ACCIDENT VICTIM SHOULD NOT HAVE TO FIGHT THE SYSTEM AFTER SURVIVING A ROAD ACCIDENT.
Senior Karnataka Police officials, we seek your immediate intervention, accountability and a time-bound resolution. This matter deserves attention at the highest level.
@chikkajalatrfps @acpnortheasttr @DCPTrNorthBCP @DCPNEBCP @Jointcptraffic @blrcitytraffic @BlrCityPolice @CPBlr @DgpKarnataka @bngdistpol
#KarnatakaPolice #BengaluruPolice #RoadSafety #PoliceAccountability
Tadit Dash retweeted
🧵 Stacked lots of Supercoins but confused about what to do next ?
Don't know where to use them or how to get maximum value ?
Here's your guide to earn & redeem Supercoins, with all the important catches you NEED to know.
Welcome to #SuperCoins101 👇
🚨 Flat ₹100 off on IndusInd Bank Credit Cards…
Showing again. Check your Paytm account.
#ccgeeks
Best travel card right now. Read how you can book an 18k flight with just ~3k tax. Excellent post by @satya_majhi 😍
Apply here: bitli.in/YVfzpVO
High approval rate.
#ccgeeks
How to book an ₹18,000 flight for just ₹3,000 in taxes 🧵✈️
Most people redeem credit card points for ₹0.25 cashback or shopping vouchers.
Here is the 3-step loop using HSBC
TravelOne + Avios:
1. Stack Spends: Use HSBC TravelOne for daily expenses & travel spends.
2. The 1:1 Bridge: Transfer points instantly (1:1) to Avios (Qatar Airways Privilege Club / British Airways).
3. The Partner Play: Don’t just book BA or Qatar. Use Avios to search Oneworld partner awards like SriLankan Airlines (e.g., Colombo / Malé).
The Math:
• Cash Ticket: ~₹18,000
• Points Used: ~10k–12k Avios
• Cash Paid: ₹3,000 (Govt taxes only)
• Savings: ₹15,000+ (83% off)
Stop burning points on vouchers. Airline alliances are where the real 5x–6x value lives. 🛫
(Infographic breakdown below 👇)
🚨Amazon Pay GV 3% off - works MULTIPLE times...
Grab here: link.amazon/B0ecJksNM #affiliate
I grabbed 4.
#ccgeeks
Tadit Dash retweeted
Multidip - Firstcry is standard partner with Aur Maharaja which earns 19 points for 100 Rs - Wooping 19% return
🚨 FirstCry Savings Guide till Nov 30, 2026 💰👶
Got a new coupon code that offers FLAT 38% OFF on FirstCry! 🔥
🔖 Bookmark this guide
1️⃣ Apply the new coupon code
🎟️ Code: SITE38GRB
• Flat 38% OFF or the listed product discount, whichever is higher.
• Maximum discount: ₹2,000.
• Valid till Nov 30, 2026.
• Exclusions apply on select brands and products.
2️⃣ Buy FirstCry gift vouchers
💳 CRED is currently offering around 6% discount on FirstCry gift vouchers.
Buy vouchers matching your final payable amount to maximize savings.
3️⃣ Earn additional cashback
Use CashKaro to access FirstCry:
cashk.app.link/RXSTeJmuE7b
• ₹30 flat cashback on orders above ₹500.
• ₹17 cashback on orders between ₹100–₹499.
Rates and eligibility may change.
4️⃣ Stack your savings
• Apply the best available coupon.
• Use discounted FirstCry gift vouchers.
• Earn CashKaro cashback.
• Pay using your best rewarding credit card for additional rewards.
💡 My recent purchase:
Product value: ₹968
Coupon discount: ₹349.34
Shipping: FREE
Convenience fee: ₹12
Final checkout amount: ₹630.66
💳 Payment breakdown:
• ₹500 FirstCry gift voucher (bought at 6% discount) = ₹470
• Remaining ₹130.66 paid via credit card.
Effective price: ₹600.66 🎉
Plus, additional credit card rewards.
ℹ️ Quick tip to reach HDFC Credit Card customer care directly! 📞
🔖 Bookmark this for future reference.
1️⃣ Call 1800 2600
2️⃣ When the bot asks your query, say: “Connect to credit card customer support”
3️⃣ Once it says “Connecting to IVR”, press 2 for credit cards
4️⃣ Enter the last 4 digits of your card, followed by #
5️⃣ Press 2 to continue to IVR
6️⃣ Press 9 to connect to credit card customer care
Save time navigating the bot!
#ccgeeks #HDFCBank #CreditCards
🚨Got 4 Amazon Pay GVs ✔️ using Millennia CC
Sweet 8% savings…
Start here, deal is still there - link.amazon/B09W163N1 #affiliate
#ccgeeks
🚨 Amazon Pay GV at 3% OFF 🔥
Buy 5 × ₹5,000 GVs and unlock ₹750 OFF on ₹25K!
🔗 Affiliate Link: link.amazon/B0cyGe82Y
💡 2 Ways to Buy:
1️⃣ Email Delivery: Select Email, set quantity to 5, and get ₹750 OFF.
2️⃣ Shareable Link: Add the GV to your cart 5 times, one by one, and get ₹750 OFF at checkout.
⚠️ Payment Trick That Matters!
On the payment page, select 👉 “Complete txn on bank website” instead of paying directly on Amazon.
(Check reference image)
Before paying, verify the merchant name and MCC on your bank's payment page.
✅ ASSPL | MCC 5399
✅ Amazon Pay India Private Limited | MCC 5699
✅ AMAZONPAYINDI | MCC 5262
❌ Amazon | MCC 5947: Skip if targeting FinP on most SBI and Axis cards.
🚨 Myntra Sale & Savings Guide | 27–30 Oct
Checkout here - myntr.it/1PgpoFn
💳 SBI Credit Card Offers
• 10% instant discount, up to ₹750 on ₹2,500+
• 10% instant discount, up to ₹1,000 on ₹3,000+ via EMI
• SBI Debit Card: 10% off, up to ₹500 on ₹2,000+
🔥 Stack with Myntra coupons:
Add FWD Pass for just ₹9 for extra discounts!
🎟️ FWDEXTRAS10: Save up to ₹100
🎟️ FWDPASSN: Extra 10% off
💰 My order: ₹731 total savings with 3 offers.
⏳ SBI offers valid till 30 Oct, 11:59 PM.
#ccgeeks #Myntra
Tadit Dash retweeted
I just completed a family trip covering Agra, Fatehpur Sikri, Mathura-Vrindavan & Delhi.
👨👩👧👦 4 adults + 1 child
💰 Actual spend: ~₹1 lakh
🏨 Flights, trains, hotels & cabs
💸 Estimated cost without rewards: ₹1.6L+
That’s 40%+ savings using credit cards, points & a little negotiation. Bookmark.
Here’s the full breakdown 🧵👇
1/ ✈️ FLIGHTS: DEL–BBI
I had ~22K Maharaja Points from my IDFC Vistara days.
Transferred ~4K Edge Miles to top up to 30K Maharaja Points and booked 4 Air India award tickets.
• Revenue fare: ₹9K+ per ticket
• Taxes paid: ~₹4K total
Even after taxes, the redemption delivered roughly ₹1.1 per Maharaja Point.
Not bad for points that were already sitting in my account!
2/ ✈️ THE 5TH FLIGHT TICKET
Booked through the IDFC app using my Wealth card.
Why this route?
✅ Flat ₹1,000 discount
✅ Redeemed ₹2,000 worth of points
✅ Earned accelerated rewards
✅ Free cancellation cover up to ₹10,000
Net ticket cost: under ₹5,700.
The free cancellation cover was an important factor in choosing this card.
3/ 🚆 TRAIN: BHUBANESWAR–AGRA
Booked 5 First AC tickets worth ~₹20,500 using my PhonePe card.
Expected reward value: ~9%.
Why leave rewards on the table when you can earn on a big family booking? Always check the applicable reward caps and exclusions before booking.
4/ 🏨 AGRA: AMEX → MARRIOTT BONVOY
This is where the points game got interesting!
I had accumulated 125K+ Amex Membership Rewards points over the past year.
Transferred 81K points to Marriott Bonvoy and booked 2 Superior Rooms at Courtyard by Marriott, Agra, for 3 nights.
• Booking-time cash price: ~₹60K
• Price before check-in later dropped to ~₹45K
At the original booking price, the redemption looked excellent. But always value points against the price you would actually have paid, not just the highest displayed rate.
5/ 🍳 THE BONUS WIN
I emailed Marriott and explained that I was travelling with senior citizens.
I requested complimentary breakfast, and Marriott graciously approved it for our stay.
Kudos to the team!
A polite email can sometimes unlock benefits that aren't listed on your booking confirmation. 🙂
Places covered: Taj Mahal, Agra Fort area, Baby Taj, Fatehpur Sikri, Bharatpur Bird Sanctuary, Gwalior Fort & Jai Vilas Palace.
6/ 🏨 VRINDAVAN: STACKING REWARDS
Booked a local 4-star resort for 2 rooms and 2 nights.
• Total cost: ~₹16K
• Payment: Travel One card
• Expected Accor value back: ~8.8%
• Also helped me fulfil an Accor bonus offer
With the bonus factored in, the effective return was over 10%, based on my estimates.
And of course, we visited the major temples, including the stunning Banke Bihari Ji. 🙏
7/ 🏨 DELHI: HOPPER WALLET WIN
Booked a transit hotel near Connaught Place for 2 rooms.
• Amount paid: ~₹3K
• Comparable cash price: ~₹12K
• Payment source: Hopper wallet accumulated through price matches
That’s roughly ₹9K saved on just one night!
We also explored Delhi’s major sights, including the complete exhibition tour at Akshardham.
8/ 🚕 CABS: NEVER IGNORE NEGOTIATION
Used Goibibo extensively to pre-book cabs.
But I also negotiated directly with an offline cab operator and secured a better deal.
My rule: compare online prices, check inclusions, and negotiate before confirming.
Rewards are great. A lower base price is even better!
9/ ✈️ AIRPORT LOUNGE ACCESS: ANOTHER ₹5,000+ SAVED!
Used my Axis Atlas to get lounge access for 3 family members, while my wife used her Travel One card for her lounge access from Terminal 2.
💳 2 cards
👨👩👧👦 Family travel - Unlimited food & soft drinks
💰 Estimated savings: ₹5,000+
Another reminder that the right credit cards can save you money even before you board your flight!
10/ 💰 THE FINAL MATH
Estimated trip cost without these savings: ₹1,60,000+
Actual overall spend: ~₹1,00,000
Estimated savings: ₹60,000+
Savings rate: 40%+
The trip included flights, First AC trains, hotels for the family, and local transport across multiple destinations.
No compromising on the family experience. Just better use of rewards, offers, and negotiation.
11/ 🧠 MY TAKEAWAYS FOR THE CCGEEK COMMUNITY
✅ Don't let old loyalty points go unused.
✅ Transfer points only when you have a clear redemption in mind.
✅ Compare award bookings with realistic cash rates.
✅ Stack card offers and loyalty bonuses where permitted.
✅ Ask hotels politely for benefits, especially when travelling with family.
✅ Don't overlook cancellation benefits.
✅ Negotiate cabs and compare hotel rates before paying.
Credit cards aren't just about cashback. Used strategically, they can meaningfully reduce the cost of family travel.
What would you optimise differently in this itinerary?
Like & share♻️
🪔 Diwali shopping has officially started at home! 😄
Wife ordered some beautiful finds from Meesho. ❤️ Love the variety and affordable prices!
🛍️ Check out what we ordered 👇
bit.ly/48aBBAi
💳 #ccgeeks, use your Visa Platinum Debit or Credit Card to get 20% off, up to ₹75!
Follow @taditdash for more credit card offers, deals and savings. 🚀
#DiwaliShopping #Meesho #CreditCards
