I talk about credit cards, aviation, finance, and travel.✈️💳 Advocating for pedestrian-first roads & encroachment-free walkable footpaths🚶 | DM for Collab💌
India
Joined February 2020
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Tiger just got a major re-rating 🔥
IndusInd Bank Tiger Credit Card (Visa Signature)
Lifetime Free | No annual fee ever
✅ Up to 6X Reward Points on annual spends above ₹5L
✅ 1:1 transfer to Air India Maharaja Club (live since June 2026)
✅ 1.5% forex markup
✅ 8 domestic + 2 international lounges (no spend condition)
✅ 1 free golf game/lesson every quarter
✅ 2 BookMyShow tickets (up to ₹500 each) every year
💳Plus Visa Signature partner perks still live:
→ Up to 20% off at Visa Dine & Save restaurants (till 31 Oct 2026)
→ Visa Signature Luxury Hotel Collection benefits
→ Possible ₹500 Visa welcome voucher on first ₹300+ spend (new cards, till 31 Oct)
💰Cash redemption is only ~₹0.40/point (with monthly cap), but Maharaja Club transfer can unlock significantly higher value on the right redemptions.
🌟Best for: Moderate-to-high spenders who want free lounges + Air India miles without paying any fee.
🔗Apply (affiliate): tracking.cashkaro.com/visitr…
Who’s already using this as their no-fee Air India accumulator?
Drop your spend slab + how you’re redeeming 👇
Got a free upgrade / better seat on IndiGo and Air India a few times.
Not luck. Patterns.
Check-in timing, specific card perks, and last-minute inventory still work more often than people think.
Anyone else regularly getting better seats without paying for them?
Lounge access after the RBI changes is not dead.
It’s just selective now.
Some cards still give reliable domestic lounges without crazy spend hurdles. Others quietly killed them.
The difference is knowing which banks and which tiers still work.
How many lounges did you actually use in the last 6 months?
Air India Maharaja Club vs IndiGo BluChip — which one is actually useful right now?
Delhi–Singapore, Mumbai–Dubai, and domestic business class redemptions look very different on both.
One is better for long-haul. One is better for domestic frequency.
Which program are you feeding points into?
Base earn rate is overrated.
Milestone bonuses are where the real money is.
Some cards look average on paper but explode once you cross quarterly spends.
A lot of mid-high spenders in India are sleeping on this.
Do you track milestones or just chase the base rate?
💳 October 2026 credit card drops & partnerships worth a look 🚀
🔥 1. Eternal SBI Card (Zomato ecosystem)
Co-branded with Eternal.
Instant discounts on Zomato, Blinkit, District & Bistro + cashback on select partners (Uber, ixigo, etc.). ₹499 fee (includes 6-month Zomato Gold), waiver at ₹2L spend. Early access via the apps; limited first-phase cards. Mastercard + RuPay.
✈️ 2. Air India + SBI Card (Visa) – coming soon
Partnership announced to build a premium co-branded Visa card tied to the revamped Maharaja Club. Designed for travel + everyday rewards.
Launch details still pending.
⚡ 3. Paytm AU SFB RuPay Card
Lifetime free (zero joining & annual fees). Up to 2% rewards on eligible Paytm UPI spends, 5% on Paytm Travel & Gold.
First with family airport lounge access (up to 12 visits/year for the family on eligible Paytm-booked flights).
💼 Bonus: Air India + Standard Chartered
Cross-border wealth partnership – eligible affluent clients in SG & UAE can get fast-tracked Maharaja Club Gold/Silver status + travel perks (and reciprocal wealth access).
Which one are you adding? 👇
🏨 Exploring the best stay options across the city, making it easier than ever to redeem points or leverage elite perks.
📍 City: Agra
👑 TAJ / IHCL REWARDS
⦿ Taj Hotel & Convention Centre, Agra
⦿ Tajview, Agra - IHCL SeleQtions
🌟 MARRIOTT BONVOY
⦿ Courtyard by Marriott Agra
🤝 ITC HOTELS (CLUB ITC & MARRIOTT LUXURY COLLECTION)
⦿ ITC Mughal, Agra - A Luxury Collection Hotel
🌐 ACCOR (ALL - ACCOR LIVE LIMITLESS)
⦿ Grand Mercure Agra Fathebad Road
🔵 RADISSON REWARDS
⦿ Radisson Hotel Agra
🏨 WYNDHAM REWARDS
⦿ Ramada Plaza by Wyndham Agra
🏛️ INDEPENDENT LUXURY & HERITAGE
⦿ The Oberoi Amarvilas, Agra
⦿ Trident, Agra
⦿ Jaypee Palace Hotel & Convention Centre
⦿ DoubleTree by Hilton Agra (Hilton Honors Network)
⦿ Howard Plaza The Fern, Agra
#PointsAndMiles #LuxuryStays 📸Tripadvisor
🏨 Exploring the best stay options across the city, making it easier than ever to redeem points or leverage elite perks.
📍 City: Udaipur
🌟 MARRIOTT BONVOY
⦿ Udaipur Marriott Hotel
👑 TAJ / IHCL REWARDS
⦿ Taj Lake Palace, Udaipur
⦿ Taj Aravali Resort & Spa, Udaipur
⦿ Taj Fateh Prakash Palace, Udaipur
🌐 ACCOR (ALL - ACCOR LIVE LIMITLESS)
⦿ Raffles Udaipur
⦿ Fairmont Udaipur Palace
🤝 ITC HOTELS (CLUB ITC)
⦿ Mementos by ITC Hotels, Ekaaya, Udaipur
🔵 RADISSON REWARDS
⦿ Radisson Blu Palace Resort & Spa, Udaipur
🏨 WYNDHAM REWARDS
⦿ Wyndham Grand Udaipur Palace
⦿ Ramada by Wyndham Udaipur Resort and Spa
🏛️ INDEPENDENT LUXURY & HERITAGE
⦿ The Oberoi Udaivilas, Udaipur
⦿ The Leela Palace Udaipur
⦿ Trident, Udaipur
⦿ The LaLiT Laxmi Vilas Palace Udaipur
⦿ Shiv Niwas Palace
⦿ The Ananta Udaipur
⦿ Aurika, Udaipur - Luxury by Lemon Tree Hotels
⦿ Chunda Palace
⦿ Hotel Lakend
#PointsAndMiles #LuxuryStays 📸Tripadvisor
⚠️ Content warning: Disturbing visual
A six-year-old kindergarten student was critically injured after being allegedly assaulted by an eight-year-old Class 3 student inside a government school in Panchkula, Haryana 😲
What factors most significantly contribute to behavioral issues and aggression in young children?
Is it primarily influenced by parenting styles, unrestricted access to social media, exposure to violent media, or other environmental factors?
Another horrible incident:
A 21-year-old man attack on a class 10 schoolgirl with a power chainsaw inside a classroom in Andhra Pradesh🫨
The ₹0.01 Bank Heist: How I became a corporate suspense thriller. 🧵
Closed my Federal Bank credit card. Paid the outstanding in a clean round figure like a responsible adult.
Math, however, had other plans. After everything settled, the bank owed me an excess credit of exactly ₹0.01 (1 paisa).
As per RBI guidelines they had to refund it. I shared my bank details expecting a quiet transfer.
A month later: no money. Instead, an email that reads like a high-stakes financial thriller.
They claimed they tried calling (special task force energy). Since I missed it:
“Kindly confirm whether you hold a Federal Bank Savings Account, as refunds below ₹1 cannot be transferred to accounts maintained with other banks.”
Plot twist if I don’t have one:
“The amount will be transferred to the Federal CBAL Suspense Parking Account as per the applicable process.” 🚨
My 1 paisa is now facing exile in a “Suspense Parking Account” because the modern banking system can’t handle a sub-₹1 inter-bank transfer.
I’m currently debating life choices:
Open a whole new Federal savings account just to rescue 1 paisa?
Or let it live forever in the shadows of the CBAL Suspense system?
Banking operations are truly elite. 😂
CC geeks, what’s your wildest tiny-refund / bank glitch story?
Rescue the paisa or let the suspense build?
FYI:
Federal CBAL Suspense Parking Account is a private internal bank account.
Banks use it to temporarily park tiny residual amounts (e.g., ₹0.01 credit-card refunds) that can’t be transferred easily due to system limits. RBI requires refunds of credit balances but allows such internal processes for very small sums.
Benefit: Keeps bank books balanced.
Limitation: Money is not immediately accessible; you may need to follow up or open a Federal account.
Operations: Fully internal — no customer access or public regulation by name.
Card application REJECTED! ❌
Also, here is your new card💳
What’s your wildest bank glitch story? 👇
AXIS BANK FIRST DAMAGED MY CIBIL SCORE, BUT AFTER AN RBI OMBUDSMAN COMPLAINT, THE SAME BANK STARTED CHASING ME! 😡
I had applied for an Axis Bank Credit Card, but surprisingly, the bank rejected my application.
However, a few days later, something shocking happened.
The exact same credit card arrived at my doorstep with a ₹999 joining fee!
Confused, I visited the bank branch to get the issue resolved.
The employee told me:
"Madam, don't pay the joining fee and don't activate the card. It will automatically get cancelled."
I trusted his advice and left the matter there.
But that was my biggest mistake!
The card was never cancelled.
Instead, the bank allegedly continued reporting payment defaults for three consecutive months.
And eventually, my CIBIL score dropped to just 615!
When I approached the bank with my complaint, instead of resolving the issue, I was lectured about financial responsibility.
I couldn't believe what was happening.
But I decided not to give up.
I collected all the relevant documents and finally approached the RBI Ombudsman.
And that's when the real story began...1/2
Double points + 25% off your next getaway? ✈️✨
Bookmark this ALL Accor deal before booking your late 2026 / early 2027 travel!
💰 The Offers
-- 2X Points: Earn double points on 2+ night stays OR standalone dining in Asia Pacific, Middle East & Africa.
-- Up to 25% Off: Save 20% in MEAPAC regions or up to 25% on international destinations.
🗓️ Deadlines & Travel
-- Book & Activate by: 13 December 2026
-- Stay Window: 27 October 2026 – 31 March 2027
💡 What to do with your points?
-- Slash bills: Use points to pay less for future stays.
-- Shop: Spend them on 250+ tech, fashion & home brands.
Extend validity: Donate points to charity to extend your balance expiration for another full year.
⚠️ Pro-Tip: Log in and manually activate the offer BEFORE booking to secure your 2X multiplier.
Stop using one card for everything.
The people who actually fly free use 2 cards:
→ One for online + Amazon/Flipkart sales
→ One for offline + fuel + utilities
Simple split. Big difference in points at year end.
What’s your current “one card for everything” setup looking like?
UPI on credit card is still the most slept-on reward hack in India.
Daily kirana, cabs, chai, and food orders… all on UPI.
Most cards give nothing. A few RuPay ones still do.
People are earning free flights from their regular UPI spends and not even realizing it.
Are you using a credit card on UPI or still on debit?
“Your monthly grocery + fuel + utility bill is secretly a free domestic flight”
Break down exact reward rates on common Indian spends (BigBasket/Swiggy Instamart, HP/BPCL/IOCL, electricity via UPI-linked cards).
Show real ₹ numbers for a typical ₹40-50k monthly spend and which 2-3 cards turn it into IndiGo/Air India tickets.
Getting rejected for a new credit card just because your last application is still stuck in line is the ultimate system flaw.
I'm trying to login SBI UniPay but it says please try after 0 minutes🤯
How long should I wait exactly?
