Your GO to Handle for Gold & Silver deals and beyond.
Joined November 2025
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GoldPal retweeted
You don't lose money buying jewelry.
You lose money buying it the NORMAL way. 👀
• Making charges
• Wastage
• Premiums
• Then GST
But with the right approach, you can:
• Pay ZERO making charges
• Buy below market price
• Stack 10-15% rewards
• Pay only GST
Here are 5 ways to buy jewelry smarter. 🧵
(Quoted post)
Gold lower than market price..
At 15200 per gram with HDFC cards..
amzn-to.co/4G2Ihj
Flat ₹1250 instant discount with HDFC Cards
₹1600 cashback at checkout
Millennia card holders can save additonal 1000 Net comes to 14700
GoldPal retweeted
Massive Devaluation or some glitch ?
Apay vouchers on ISHOP portals are not showing 6X
@ccg33k
@AmazingCreditC @cards_wizard @imYadav31 @iSatishAgarwal
GoldPal retweeted
🎉 Woohoo! Loot is back! 🎉
🔥 UBER GVs – 90% OFF / ₹10 denomination 😀
🔥 JOSALUKAS GVs – 30% OFF / ₹500 denomination
🔥 Goibibo Hotels GV – 90% OFF / Currently OOS
woohoo.in/hot-deals-woohoo?=…
📌 DYOR before buying any GV.
Please read the complete T&C, especially regarding clubbing multiple GVs and validity.
Swiggy GVs @ 10% OFF 🍔🔥
deals.woohoo.in/instamart-e-…
-10% discount auto-applied at checkout
-Can be paid via Amazon Pay balance
- ₹100 denomination (Yes you need to buy 50 Qty for max benefit)
- Validity shows 10 days, but 1 year after wallet add.
-CB cards should work (MCC not verified personally)
⏰ Add to wallet ASAP
💡 Stacking tip:
Buy ₹5K Amazon GV via Jupiter card, add to wallet & pay → ~19% net benefit
Don’t have Jupiter? Apply for one :
👉 jptr.onelink.me/TOMp/a7a159b…
🎁 Use code F8GjEE → 1-year Hotstar free
H/T: Rahul Chavan
GoldPal retweeted
You are shopping wrong. ❌
Still paying convenience fees in 2026? 😤
Here’s the fix 🧵👇
Flipkart → Shopshy (₹0 extra fees, all offers work)
Amazon → Payment fail trick (👇 first comment)
Stop overpaying. 💸
Bookmark and Follow @FinPaal for simple money hacks before this post disappears from your timeline 🔥
10 Grams is also at a Great price
ajiio.co/kwqClX?
Only SBI CB/AXIS CB Shines here
Use High end cards DCBM/M4B/Yes Marquee/HSBC Salary DC(5% Back) - Great Value .
995 Gold deal on ajio around 12900 using any card (icici, hsbc, yes Excluded)
ajiio.co/wYYx8E
38800 for 3gm
~12930 per G
Cars benefits Extra
Use DHANVARSHA2 for 2% off and use any card for 1500 off
Any Upi is 1750 off.
Non affiliate Link - ajio.com/p-n-gadgil-jeweller…
Swiggy Gold Deal :
PNG 995 Vedani : 13474 with RBL card offer swiggy.com/stores/instamart/…
New Free cash link
swiggy.onelink.me/888564224/…
Available in Mumbai locations.
fktr.in/nbl1efT
Aspect coins at cot to cost/lower than marker rate.
Buy with flipkart Gvs to save more
Buy Gvs on Cred at 2% off /smartbuy/ishpp/intermiles
4⃣ Flipkart 🪙
Periodic discounts: 5–7%
GVs: ✅ | Card offers: rare 🎯
Best buys: BRPL gold coins (999.9 purity, fewer tolerance issues)
👉 fkrt.co/zqfZnK
Best Payment method: Grab GVs from Cred, Smartbuy, iShop, Magnify, Amex Gyftr , Inermiles→ use for gold.
Silver Deal on Myntra
Mia Silver coins @ 186 Per gram with Rupay Card 12% offer.
myntr.it/Mm1z707
Best buy 25+10+5 Grams coin.
Jupiter Edge folks will earn both 12% discount and 10% up to 500 back.
Net cost comes to ~167 Per gram
CC : Anmol
RBL 1K discount working on Malabar Gold coins
Best is still via Gvs from Magicipin.
Gold restocked at many locations across the India
I could see the stock even in Tier 2/3 cities Vizag/Coimbatore/Many small towns.
Buy Gvs @ 4% off on Magic Pin with Cashback cards
Or Via Smartbuy(~16.5% off)/Ishop(~15% off)
Cards like M4B can be swiped directly as swiggy track 5411 MCC for insta mart orders.
Gold restocked at many locations across the India
I could see the stock even in Tier 2/3 cities Vizag/Coimbatore/Many small towns.
Buy Gvs @ 4% off on Magic Pin with Cashback cards
Or Via Smartbuy(~16.5% off)/Ishop(~15% off)
Cards like M4B can be swiped directly as swiggy track 5411 MCC for insta mart orders.
Here is the detailed breakdown on how to maximize on Swiggy for gold orders .
💳 Best Ways to Pay on Swiggy is do via the GV Balance: Here are the best places to buy GVs.
InterMiles
- Axis Atlas Digi Stores 5EM per 100(20% in Accor terms)
- Or Buy Apay Gvs (Miles needed to buy the Gvs) and Pay with Apay balance.
- (Check for “Jet Previl” merchant name to be eligible for 5EM)
- Somehow HSBC T1 not getting this merchant name for 4% rewards so skip HSBC T1 here.
HDFC SmartBuy
• Infinia – 16.5% reward rate (15K pts cap / ₹1.125L)
• DCB Metal / BizBlack – 9.9% (10K cap / ₹1.5L)
• DCB Plastic – 9.9% (7.5K cap / ₹37.5K day / ₹1.125L month)
• Regalia Gold – 2K pts day/4k/Per month (₹18.75K/day, ₹37.5K/month)
• Basic CC/Debit – 5% upto ₹1K/month
ICICI iShop (⚠️ extra conv charges)
• EPM – 18K/month (₹1.2L spend, ₹10K/day limit)
• TB – 15K/month (₹1.5L spend, daily cap applies)Axis
Amex Gyftr :
• Gold Charge: 5x, Plat Travel : 3x, MRCC 2X. Club it with the monthly 6/4 Transactions and 20K MRCC for additional benefits.
GV Purchase via cashback cards (2 to 4%) discount and card rewards.
- Portals Cred | Maximize | Magnify | Zavo | MagicPin
Magnify support pay via Apay balance /
MCC issues are there use wisely(DYOR)
Direct Swipes:
• SBI Cashback Card for 5% CB
• Swiggy HDFC Card 10% cashback (₹1.5K cap)
T&Cs changed twice , Currently Gold not excluded so CB May come (DYOR)
•HSBC Live+ 10% cashback (₹1K cap per statement cycle)
Axis M4B - Best for AEP months
Direct Pay with the amazon Pay balance.
💡 Tip: Link IndiGo Blue Chip for extra perks ✈️
Did I miss anything, do let me know in the comments?
Join over 31,00 smart shoppers who get expert Credit card tips, shopping hacks, gold deals, and personal finance insights on the FinPal WhatsApp Channel. 👉 Follow here: whatsapp.com/channel/0029Vb6…
Zero Making Charges offer is LIVE again! 🎉
• Online shopping only
• Gift cards not valid
• Amazon Pay balance works
• Selected designs only: tinyurl.com/BhimaZeroMC
• Valid: 20–21 Dec | MOV: ₹25K
For best deals, follow FinPal on WhatsApp:
whatsapp.com/channel/0029Vb6…
Ajio Deal Alert:
Any card deal on Ajio @ 13225 per Gram
WHP 3 Grams: ajiio.co/xDN5Mw
With SBI CB/Axis CB Costs: 12563
HDFC Swiggy Per Gram: 12692
M4B, DCBM, Eterna sweet spot for many cards.
Ajio mostly tracks clothing MCC.
Malabar hiked the prices, but OG brand MMTC 2 grams still available at the Market price in many locations
swiggy.com/stores/instamart/…
Swiggy gvs available at 4% off on Magicpin, club with card cashback.
Here is the detailed breakdown on how to maximize on Swiggy for gold orders .
💳 Best Ways to Pay on Swiggy is do via the GV Balance: Here are the best places to buy GVs.
InterMiles
- Axis Atlas Digi Stores 5EM per 100(20% in Accor terms)
- Or Buy Apay Gvs (Miles needed to buy the Gvs) and Pay with Apay balance.
- (Check for “Jet Previl” merchant name to be eligible for 5EM)
- Somehow HSBC T1 not getting this merchant name for 4% rewards so skip HSBC T1 here.
HDFC SmartBuy
• Infinia – 16.5% reward rate (15K pts cap / ₹1.125L)
• DCB Metal / BizBlack – 9.9% (10K cap / ₹1.5L)
• DCB Plastic – 9.9% (7.5K cap / ₹37.5K day / ₹1.125L month)
• Regalia Gold – 2K pts day/4k/Per month (₹18.75K/day, ₹37.5K/month)
• Basic CC/Debit – 5% upto ₹1K/month
ICICI iShop (⚠️ extra conv charges)
• EPM – 18K/month (₹1.2L spend, ₹10K/day limit)
• TB – 15K/month (₹1.5L spend, daily cap applies)Axis
Amex Gyftr :
• Gold Charge: 5x, Plat Travel : 3x, MRCC 2X. Club it with the monthly 6/4 Transactions and 20K MRCC for additional benefits.
GV Purchase via cashback cards (2 to 4%) discount and card rewards.
- Portals Cred | Maximize | Magnify | Zavo | MagicPin
Magnify support pay via Apay balance /
MCC issues are there use wisely(DYOR)
Direct Swipes:
• SBI Cashback Card for 5% CB
• Swiggy HDFC Card 10% cashback (₹1.5K cap)
T&Cs changed twice , Currently Gold not excluded so CB May come (DYOR)
•HSBC Live+ 10% cashback (₹1K cap per statement cycle)
Axis M4B - Best for AEP months
Direct Pay with the amazon Pay balance.
💡 Tip: Link IndiGo Blue Chip for extra perks ✈️
Did I miss anything, do let me know in the comments?
