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Mumbai, India
Joined February 2025
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Croma’s 10% Neu Coins offer is currently the best one in India! Got the 18 Pro Max last night using this deal!
MRP - 1,79,900/-
GST Claimed - 27,442/- (shown as business expense)
Exchange Value of 15 Pro (includes 12k exchange bonus as the value crossed 40k) - 61,716/-
Total Swiped - 1,18,184/-
10% Neu Coins earned - 11,818/- (to be used for purchasing an air fryer, which was needed anyway)
Landing Price - 78,933/-
Not a bad deal, considering I might get around the same value if I sell it after 3 years!
I used the same deal last year to get myself the 17 Pro Max, and this year I used it for my sister, as detailed above.
Feel free to AMA! #appleindia
🚨 Massive Scam at PNB Greater Noida: Over ₹35 Crore Missing!
An alleged inside job fraud at PNB’s Sector Pi-1 branch in Greater Noida has wiped out the savings and FDs of dozens of customers.
Bank employees reportedly liquidated FDs without customers consent and transferred the funds to dummy or unrelated accounts.
One customer lost ₹94 lakh, with just ₹16,000 remaining, while another family reported ₹1.18 crore missing
Over 16-20 police complaints have been filed, and an FIR has been registered. PNB has suspended 5 employees, including the Branch Manager.
Metro tickets at 80% off on Wallet India
With the latest Samsung Wallet update, you can book and add metro tickets for Mumbai, Bengaluru, Pune, and Delhi to your wallet. I got the update this morning.
80% off!!
How to access it:
Wallet > Quick Access > Book Tickets button > Metro
Or
Wallet > All > Transit Card > My Wallet will open. Tap the plus button at the top > Metro.
It seems like this feature is hidden :)))
Will Amex India ever make it to ApplePay?
Kinda frustrating that they can’t integrate a premium card with apple pay :( Hoping for some change in 2027.
HDFC Credit Card Offer
Has anyone received the campaign vouchers from HDFC Bank? They promised to deliver them by 31 October 2026
ITC to Marriott points transfer took exactly 3 weeks
Maximum transfer limit: 5,000 ITC Green Points per quarter
Transfer ratio: 2:3
10% #cashback on fuel 💀
Found an interesting workaround that might be useful for HDFC PhonePe Ultimo cardholders.
The card offers 10% cashback on FASTag recharges under the utility category.
Here’s how you can use it for fuel payments:
1. Recharge your ICICI FASTag using the HDFC PhonePe Ultimo Credit Card.
2. Link your ICICI FASTag to the HP Pay app.
3. Visit an HP petrol pump, scan the HP Pay QR code and pay using your linked FASTag.
Your fuel payment gets deducted directly from your FASTag balance, while you earn 10% cashback on the recharge.
HDFC PhonePe Ultimo → ICICI FASTag recharge → HP Pay fuel payment → 10% cashback.
One thing to remember: PhonePe charges nearly 1% for credit card recharges, but you also earn Happy Coins on HP Pay, which helps balance things out.
Haven't seen many people talk about this trick, so thought I'd share it here.
Which app is currently offering the highest cashback on every payment?
Looking to save some rupyaa wherever possible 😭
Got ₹1750 cashback from Amazon
So, I bought a hard disk few days from Amazon and got a ₹1750 cashback.
Wish this got credited to my bank account but nope it's been as a Gift Card balance. 🤧🤧
Card Guru retweeted
Accor Plus Below 13k INR
How to get Accor+ for ~₹10 12K effective cost 🇮🇩💳
Here is a simple way to stack multiple rewards on ALL Accor+ Explorer.
🇮🇩 1. Buy through Indonesia
Indonesia price
IDR 3,999,000/year ≈ ₹21,450
India price
₹23,199/year
You save around ₹1,750 on the membership price.
The Indonesia offer also includes 3,000 ALL Reward points.
At roughly ₹1.9 to ₹2 per ALL point, that is around ₹5,800 to ₹6,000 value.
₹21,450 minus ~₹5,900 = ~₹15,550 effective cost
🔄 2. Stack Rove Miles
Rove is currently showing 6.5x Rove Miles for AccorPlus.
On ~₹21,450 spend
~1,450 Rove Miles
Rove transfers to Accor at 1.5 Rove Miles = 1 ALL point.
That gives around
~967 additional ALL points
≈ ₹1,850 value
💳 3. Use a high return forex card
Axis Olympus
2 EDGE Miles per ₹100 international spend
~429 EDGE Miles
1 EDGE Mile = 2 ALL points
~858 ALL points
≈ ₹1,600+ value
OR
Equitas PowerMiles
9 RP per ₹100
~1,930 RP
At diamond tier
≈ ₹1,930 value
These are alternative cards and their rewards cannot be combined.
Olympus stack
₹1,750 Indonesia price saving
₹5,900 3,000 ALL points
₹1,850 Rove Miles
₹1,600 Olympus rewards
OR
₹1,930 PowerMiles rewards
Total value is roughly ₹11,100 to ₹11,400 against a ₹21,450 purchase.
Effective cost ≈ ₹10K to ₹10.3K
With PowerMiles the effective cost would be roughly ₹10K.
You still get the actual Accor+ membership benefits.
🇮🇩 How to access Indonesia pricing
If you are accessing the Indonesian Accor+ website from India, use a VPN with an Indonesian location.
⚠️ Indonesia pricing is a country specific offer. Check the applicable terms before purchasing.
Also check Rove's current tracking and eligibility conditions. 6.5x is the currently displayed earning rate and is not necessarily guaranteed for every transaction.
The main idea is stacking
🇮🇩 Country pricing + 🎁 ALL points + 🔄 Rove + 💳 Card rewards
on the same transaction.
👍 Need help with this? DM me.?
