Penultimate step towards my dream card stack ✅ HSBC Premier account opened, debit card in hand. One step left: the credit card 🤞

OG Air India Co branded Card

Follow-up on my Europe-in-December plan. Pricing a business class award, Bangalore → Rome: ✈️ Air India miles: 125,000 ✈️ Same flight via KrisFlyer: 68,000 (≈45% fewer miles) Almost crazy that with miles, a business class ticket to Europe costs just ₹2,900 in taxes and fees.

Most of my stays this year has been in budget properties.

I am at branch now to complete the premiere formalities. 🤞

India has pretty much been excluded this time, except limited options from Ahmedabad to Singapore

Krisflyer Spontaneous escape for November is now live. 30% off Saver award rates to selected destinations across the Singapore Airlines network. 15% off Economy Saver award tickets on selected Scoot flights. @SingaporeAir

About 15 months stash...3 EMT vouchers so far...yet to use Taj Epicure night...great option when need revenue flights

The family behind your free airport lounge coffee also has a business distributing Marlboro cigarettes. 🤯☕🚬 32% of Encalm is owned by BBM Travel Retail, part of the Bommidala Group from Guntur — a family business with roots in tobacco dating back to 1920. They're also involved in distributing Philip Morris products, including Marlboro, to duty-free shops across the Indian subcontinent. Another 51% of Encalm belongs to a subsidiary of Dubai-based Gateway Fund. So you walk past the duty-free cigarettes, swipe your card for lounge access… …and discover that the businesses behind both are connected through the same family. 👀

HDFC logic: ₹5,000 limit for a ₹3,600 fee card. 🤡🤡 That's 72% of my limit paid upfront. CIBIL utilization would be cooked. 🤯 A Marriott buffet alone would max it out. And I was planning to earn 2,40,000 points on this? 🫠 @ccg33k Any workaround?