💳 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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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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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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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
I usually pay ₹4-5 more than my statement amount, just to make sure there are no misses and the bill is paid in full. It’s unnecessary, I know - but it's just a habit. The excess just gets adjusted in the next bill by default on my other cards. I've never had another bank contact me about it. Well, HSBC did. It's good that they flagged the excess, but whether I want it refunded or simply adjusted in the next bill, either way, I have to CALL them. Just HSBC being HSBC. 🤷🏻‍♂️ So what happens if I don’t call at all? Do you also pay a little extra over your statement amount, or is it just me?
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Rushil retweeted
Hey @Apple, iCloud+ jumps straight from 200GB at ₹219/month to 2TB at ₹749/month. That's 10x the storage, with NOTHING in between. How about a 500GB or 1TB tier at ₹400-500/month for people who need more than 200GB but nowhere near 2TB? Please? You do have 6TB and 12TB too, so...
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Rushil retweeted
I watched Udta Teer over the weekend, and the national anthem played before the movie, as it always does. It just made me wonder how rarely we sing it now. In school, it was every day. In college, a time or two. After that? Hardly ever, except at the movies or a parade. Somewhere along the way, we stopped singing it. Maybe it's time we started singing it a little more often. Jai Hind. 🇮🇳
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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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🚨 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
🚨 Amazon just extended the 2.5% OFF on Amazon Pay GVs till TODAY. link.amazon/B0fF3oCto The 2.5% OFF is literally a STEAL. Buy ₹30K (₹10K × 3), or in sets of 3, and get ₹750 OFF on EACH set. You just CAN’T miss it. 🔥 🔗 Affiliate
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Hey @Apple, iCloud+ jumps straight from 200GB at ₹219/month to 2TB at ₹749/month. That's 10x the storage, with NOTHING in between. How about a 500GB or 1TB tier at ₹400-500/month for people who need more than 200GB but nowhere near 2TB? Please? You do have 6TB and 12TB too, so...
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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
The iPhone Duo looks just so stunning! For a foldable, it sits just right in the hand. The ergonomics feel spot-on. The front screen is sharp and top-notch. Just loved looking at it. The matte inner screen is thoughtfully done and fun to use, though I’d have preferred a glossy finish. The crease is marginally visible, especially in dark mode. It blends in better in light mode, but you can feel it while typing or using the screen in general. The cameras are decent, nowhere close to the typical iPhone cameras. Then again, that’s been my impression of foldable phone cameras, whether Apple or Samsung. The Star White looks nice, but Night Sky would be my pick. I’d love to get my hands on one someday. Just not the first generation, maybe the second or third. 🤞🏻 What’s your take on the iPhone Duo?
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I watched Udta Teer over the weekend, and the national anthem played before the movie, as it always does. It just made me wonder how rarely we sing it now. In school, it was every day. In college, a time or two. After that? Hardly ever, except at the movies or a parade. Somewhere along the way, we stopped singing it. Maybe it's time we started singing it a little more often. Jai Hind. 🇮🇳
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I usually pay ₹4-5 more than my statement amount, just to make sure there are no misses and the bill is paid in full. It’s unnecessary, I know - but it's just a habit. The excess just gets adjusted in the next bill by default on my other cards. I've never had another bank contact me about it. Well, HSBC did. It's good that they flagged the excess, but whether I want it refunded or simply adjusted in the next bill, either way, I have to CALL them. Just HSBC being HSBC. 🤷🏻‍♂️ So what happens if I don’t call at all? Do you also pay a little extra over your statement amount, or is it just me?
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38,903
🚨 Amazon just extended the 2.5% OFF on Amazon Pay GVs till TODAY. link.amazon/B0fF3oCto The 2.5% OFF is literally a STEAL. Buy ₹30K (₹10K × 3), or in sets of 3, and get ₹750 OFF on EACH set. You just CAN’T miss it. 🔥 🔗 Affiliate
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Rushil retweeted
🚨 Last FEW hours to grab the Amazon Pay GVs at 2.5% OFF. link.amazon/B0ijaLkKB The 2.5% OFF is as good as it gets, even BETTER than the usual offerings on other platforms. Buy ₹30K (₹10K × 3), or in sets of 3, and get ₹750 OFF on EACH set. DO NOT SLEEP ON IT. 🔥 🔗 Affiliate
🚨 Amazon just made everyone's Sunday, and Amazon Pay GVs are NOW available at 2.5% OFF!!! Buy ₹30K (₹10K × 3), or in sets of 3, and get ₹750 OFF per set. link.amazon/B0ijaLkKB I certainly made full use of it and bought ₹60K worth with Infinia and EPM, for now. This is as GOOD as it gets, and this is BETTER than CRED, MagicPin and others. 🚀 It works four times on the same account, so maximise it to the fullest. Since it's digital, the GV generates instantly - so watch the merchant name and associated MCC before the purchase: • AMAZONPAYIND - 5262 ✅ • ASSPL - 5399 ✅ • AMAZON PAY INDIA PRIVATE - 5262/5399/5699 ✅ • AMAZON GIFT CARD - 5947 ❌ Grab 'em NOWW!!! 🔥 🔗 Affiliate
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🚨 Last FEW hours to grab the Amazon Pay GVs at 2.5% OFF. link.amazon/B0ijaLkKB The 2.5% OFF is as good as it gets, even BETTER than the usual offerings on other platforms. Buy ₹30K (₹10K × 3), or in sets of 3, and get ₹750 OFF on EACH set. DO NOT SLEEP ON IT. 🔥 🔗 Affiliate
🚨 Amazon just made everyone's Sunday, and Amazon Pay GVs are NOW available at 2.5% OFF!!! Buy ₹30K (₹10K × 3), or in sets of 3, and get ₹750 OFF per set. link.amazon/B0ijaLkKB I certainly made full use of it and bought ₹60K worth with Infinia and EPM, for now. This is as GOOD as it gets, and this is BETTER than CRED, MagicPin and others. 🚀 It works four times on the same account, so maximise it to the fullest. Since it's digital, the GV generates instantly - so watch the merchant name and associated MCC before the purchase: • AMAZONPAYIND - 5262 ✅ • ASSPL - 5399 ✅ • AMAZON PAY INDIA PRIVATE - 5262/5399/5699 ✅ • AMAZON GIFT CARD - 5947 ❌ Grab 'em NOWW!!! 🔥 🔗 Affiliate
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The iPhone Duo looks just so stunning! For a foldable, it sits just right in the hand. The ergonomics feel spot-on. The front screen is sharp and top-notch. Just loved looking at it. The matte inner screen is thoughtfully done and fun to use, though I’d have preferred a glossy finish. The crease is marginally visible, especially in dark mode. It blends in better in light mode, but you can feel it while typing or using the screen in general. The cameras are decent, nowhere close to the typical iPhone cameras. Then again, that’s been my impression of foldable phone cameras, whether Apple or Samsung. The Star White looks nice, but Night Sky would be my pick. I’d love to get my hands on one someday. Just not the first generation, maybe the second or third. 🤞🏻 What’s your take on the iPhone Duo?
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