I am highly passionate about personal finance and living a great life. On this channel, we will focus on credit cards and how then can help us travel luxuriously.
For Business Enquiries reach out to me: dugarniraj@gmail.com
Regarding the free night award, can i club the 15k points with additional points (lets say 5k points transferred from amex points) to redeem for a hotel room worth 20k points?
Please suggest the best credit cards for me.I haven't used credit cards till now.Use scenarios are online shopping,movie tickets bookings,offline payments etc.Another main reason i want credit card is to increase cibil score.
using plat travel , gold , mrcc card since marh 2024 , Received an email for plat upgrade and they are offering 135k MR points , should I accept the offer or try for 150k MR Points 😅
I didn't find tanishq vouchers anymore, i think, its better to buy directly from non branded merchants, bcoz online branded platforms add making charges even on gold coins
Thank you, much appreciate... whenever you make another video please consider Tata Neu Infinity card for users using gapy, cred for their UPI payments and not Tata UPI and then provide your comments. Thank you once again.
Hi Neeraj..a couple of questions. Are the taj vouchers you receive for milestone spends valid for international bookings? (for eg Taj Samudra, Colombo). Can multiple vouchers be applied to a single reservation? Can vouchers from two different cards (Amex , Bizblack) be clubbed together?
My annual spending is 16 lakhs. With the recent reduction of the Gyftr upper cap to 10k per month and other devaluations, I'm considering other credit cards to allocate 5-6 lakhs of my spending to earn better rewards.Any suggestions
I am planning to buy a two wheeler this is worth 1.5 lakh via credit card, so will that spend eligible for regular reward points and milestone benefit. please reply sir.
What is bonus reward points that you mentioned while buying amazon voucher. I took the infinia card last month but I couldn’t find any mention of bonus reward points
Hey Niraj, have been following your content for quite sometime now and you put some good content out there.. Regarding some overrated cards, there is 1 card which might not appear at first glace overrated but upon closer look the fees doesn't justify thr card.. Referring to the AmEx Gold card.. Even though one gets 1k bonus MRs every month on the milestones, and the 5x points on reward multiplier, the fees of 4.5k + GST doesn't justify the price one pays for this card IMO
I have been using DCB metal card for 6 months now and haven't faced any acceptance issue. The only negative I would say is it does not provide reward points on renewal amount (Infinia does provide I believe). Anyway great video and thank you for speaking about the overrated cards!!!
That’s a big drawback of DCB metal that there are no renewal benefits. In that sense the Regalia Gold offers more value. But it again depends on spends and where it’s done.
Plat Charge card @@@@ Hi Neeraj, i am unable to see that amex is giving 1.35 lacs amex pts offer on amex website… i have also checked with customer service and they refused for any such offers.. can you guide me how to apply for plat charge and get 1.35 lacs pts
@@dugarniraj okay, thought i have plat charge and gold.. i spend 4l on plat travel and 72k on gold.. maybe they will provide an upgrade option later part of the year… however i have received upgrade offer to get Reserve but that doesn’t attract me. Pls suggest if getting Reserve will be worth it with 10k reward pts sign off bonus
Axis's t&c have to be one of the most vague ones. Axis atlas might seem easy to get but the ground realities are something else. I applied for it last month. The 1st bummer was the physical KYC, since I don't have an existing relationship with them. Then after a couple days, they rejected w/o mentioning any proper reason (note that I'm fulfilling conditions by a long margin here). Then when I complained to the nodal officer, he came up with a response that they can offer the card against a banking relationship (either an account or FD). Gave up on it and applied for IDFC CV CC instead. The redemption options are limited to vistara flights, but seems like a promising card for the fee paid.
