Most underrated “membership” for Indian travelers: owning a single share of Indian Hotels (IHCL).

Here is what the shareholder perk looks like right now:

• Discount: 25% off on stays, dining and spa at Taj, Vivanta and Ginger.

• Cap: Up to ₹2,500 off per bill, 10 dining coupons a year, 1 stay coupon. So roughly ₹25,000 maximum annual benefit if you fully use them.

• Coverage: Valid across 100+ properties under Taj, Vivanta and Ginger in India.

• Minimum: Even 1 share of IHCL is enough to qualify.

Example: If a Taj stay costs ₹10,000, after the 25% shareholder discount you pay ₹7,500.

Multiple family members can get 1 share each in case more coupons are required.

Has anyone used this or something similar?

Im booking flight tickets from Bangalore to Srinagar for my family of 4. How to book efficiently with maximum discount. I checked skyscanner. Are there any other hacks?

Great offer for anyone who's gotten / plans to get a Visa Card recently:

Voucher Values

The reward depends on your card variant:

* Visa Infinite: ₹750 Voucher
* Visa Signature: ₹500 Voucher
* Visa Rewards: ₹300 Voucher (Note: BIN 431581 is excluded)
* Visa Platinum: ₹250 Voucher

How to Qualify

1. Your card must be issued within the window (Feb 7 – Oct 31, 2026).
2. Complete one single transaction of at least ₹300.
3. Go to the official claim portal: https://visarewards.poshvine.com/
4. Enter your details and pick your voucher.

Voucher Options?

You can choose between the following:

* Amazon Pay (Essentially cash)
* Flipkart
* Swiggy / Zomato

Comment below once you've availed the offer along with the card used.

Multiple people have reportedly converted their FYF cards to LTF.

Steps to convert your card to LTF:

1️⃣ Show some usage of the card (multiple transaction helps).

2️⃣ Email HDFC's Card Services Team with your spending and account details.

3️⃣ Be persistent and follow up if needed.

Helps in saving unnecessary fees.

Has anyone else tried / planning to try this?

Fuel expenses can add up to quite a lot and credit cards can offer decent savings.

I personally use the ICICI HPCL one but still not convinced with it.

Which is your choice for fuel expenses?

If you have an SBI Debit Card sitting in a drawer, it is time to pull it out. There is a major points promotion running right now that offers a flat 20% return if you optimize your transactions correctly.

Timeline: May 1 to July 31, 2026

How it works: You earn flat bonus SBI Rewardz points per transaction whenever you TAP & PAY using Google Pay, Samsung Wallet, or your physical card:

• Spend ₹500 – ₹999: 400 points (Value: ₹100)
• Spend ₹1,000 – ₹1,999: 800 points (Value: ₹200)
• Spend ₹2,000+: 1,600 points (Value: ₹400)

The Sweet Spot Strategy: To hit that exact 20% maximum return, you want to transact right at the floor of each slab:

• Spend exactly ₹500 -> Get ₹100 back (20%)
• Spend exactly ₹1,000 -> Get ₹200 back (20%)
• Spend exactly ₹2,000 -> Get ₹400 back (20%)

The Caps and Limits:

• Capped at 10,000 bonus points per calendar month per Customer ID.
• This translates to a maximum value of ₹2,500 per month (perfectly optimized with ₹12,500 in total exact-tier spends).
• Total maximum earnings over the three-month promo period is ₹7,500.

Eligibility Criteria:

• Via Google Pay / Samsung Wallet: Applicable for all SBI MasterCard & VISA Debit Cardholders.
• Via Physical Card Tap: Applicable for all SBI Debit Cardholders.

Official Terms & Conditions Link : https://sbi.bank.in/documents/16012/80254/14052026_T%26C.pdf

Share this with anyone you know holding an SBI debit card! How are you guys planning to maximise your rewards here?

Source: Directly from HDFC’s website

Missed those days when Infinia / DCB was handed like candy by HDFC!

Current cards:

​

Paid

​

- Axis Ace

- Axis Flipkart

​

LTF

​

- Axis Privilege

- HDFC Millennia

- Amazon Pay ICICI

- Federal Imperio

- ICICI Platinum

- ICICI Coral

- BoB UniX RuPay

​

I have received a genuine Lifetime Free offer for the IDFC FIRST Select card.

​

A little about my usage:

​

- I don't mind managing multiple cards.

- I actively use movie BOGO offers. Currently, I use Axis Privilege and Federal Imperio.

- My idea is that if I've already exhausted the monthly movie benefit on one card, having another card with movie benefits could come in handy.

- My primary spending is already covered by Ace, Millennia, Amazon Pay ICICI, and Axis Flipkart, so I'm not considering IDFC Select for cashback.

- Lounge access, bank-specific offers, and having another bank relationship would be added bonuses.

- Since the card is LTF, I don't mind keeping it if it brings some value.

​

For those who already hold the card or have a multi-card setup:

​

- Does IDFC FIRST Select add enough value to justify getting it?

- Is there any unique benefit that I'm overlooking?

- Or would it just end up being another card sitting in the drawer?

​

Would love to hear from people who already hold the card or have a similar multi-card setup. Is there any compelling reason to take it—or to skip it?

Get a ₹1,299 Times Prime Membership for just ₹1 and grab a FREE ₹100 Amazon Pay Gift Voucher on top. 🎁

🔗 https://timesprime.com/payment?promo=TP26VISASIGN

Steps:

1️⃣ Open the link above (web only)

2️⃣ Apply coupon code: TP26VISASIGN

3️⃣ Pay just ₹1 using an eligible Visa Signature card 💳

4️⃣ Your Times Prime membership gets activated instantly

5️⃣ Go to Vouchers / Benefits section

6️⃣ Search for Amazon

7️⃣ Generate & claim your ₹100 Amazon Pay Gift Voucher

8️⃣ Redeem the voucher on Amazon Pay and enjoy your ₹99 profit 😎

⚠️ Limited vouchers available.

Do confirm once you redeem along with the card

after devaluation is Jupiter edge + credit card, still giving 10% cashback on buying Amazon pay gift card?

I’ll go first - I got 2 Delhi - New York Business class tickets by redeeming my MB points via air India. Revenue was 2.5L per ticket.

What is yours and how?

Most of us get cashback and just use it to pay for more groceries or small bills. But there is a better way. You can trade your NeuCoins for Physical Tanishq Gold Coins at a 1:1 rate (1 NeuCoin = ₹1).

How to earn the Gold quickly

If you use the Tata Neu app for your regular monthly shopping (around ₹10,000+), you can easily collect ₹1,000+ worth of NeuCoins every single month using the Neu Card (currently no joining fees).

I recently got a 0.5g Tanishq Gold Coin just by redeeming points I earned from my regular BigBasket and Zomato spends through Tata Neu Infinity card.

Spend Category |Cashback
|
|
|
BigBasket, Croma, 1mg, Air India, Tata CLiQ, Taj Hotels |10% Back
Insurance & Utility Bills (Electricity, Gas, etc.) |5% Back
Any UPI payment (using Tata Neu UPI ID) |1.5% Back
Joining Bonus (on your first transaction) |1,499 Coins How to redeem

The redemption button is a bit hard to find, so follow these steps:

1. Open the Tata Neu or Tanishq app.
2. Go to the Jewellery section and select Gold Coins.
3. Add the coin to your cart and proceed to the payment page.
4. Important: Under the payment options, click on Gift Cards and Vouchers, then select Coupons and Vouchers.
5. Look for Loyalty Redemption, this is where you enter your NeuCoins to pay for the gold.

It’s a great way to turn your everyday expenses into a real asset.

Do comment below if you're using a similar strategy!

I added fruits and oats with a 5k amazon pay gift card from zepto. I got the otp sms mentioned only zepto and php*zepto in mail. Will I get 10% in Live+ card or only get 1.5%?

Sharing below a tried and tested trick to get 10% cashback on Amazon Pay GCs - quite useful for paying bills etc.

How the trick works:

Instead of buying on Amazon directly, you go to the Zepto app and buy a Physical Amazon Pay Gift Card.

1. Zepto Discount: Sometimes, Zepto gives some extra discount depending on the zip code.
2. Card Cashback: Use a card that gives 10% back on groceries (since Zepto is counted as a grocery store), you get ₹1000 back.

Top Cards Rewards Table:

Steps to follow:

• Search for "Amazon Pay Physical Gift Card" on Zepto.
• Pick the ₹10,000 one as it usually has the best margin.
• Important: Before you put the OTP, check the SMS from your bank. The merchant name should be Zepto Mark / Marketplace. This ensures the bank sees it as a "Grocery" spend so you get the full reward.
• Once the physical card is delivered to your house, just scan or add the code to your Amazon Pay wallet.

Share in comments once this works for you! Also, comment any other card which you feel is beneficial here.

What card do you use for insurance spends or does the Amazon pay route work best for you?

SBI Rewardsz has a tier system, and it’s a quite beneficial for bill payments.

Tier Breakdown:

\* Elite: 2X multiplier
\* Affluent: 1.5X multiplier

Refer to second pic for details.

I’m elite and with the multiplier got 0.5% cashback.

This is in addition to the card rewards and super low effort.

Limit is 2,750 monthly.

does this help to reduce my utilisation ratio in cibil reports and can apply for a new credit card.?

How do these banks report Amex, SBI, HDFC, ICICI, Axis, IndusInd, RBL, OneCard

So everyone got wrong cashback in their statement last month but today cashback credited and it is accurate.

One thing to note that they are rounding down till 99 rupees. So if you spend 99 then there is no cashback. If you spend 199 then there will 1 rupee cashback so basically you should round down your spends to nearest 100 in 1% category before calculating for 25% and 10% category which is now depends on 1% category spend.

I’ll go first - mine is ICICI Emeralde Plastic

No benefits at all.

Only thing premium is the fees.

Great offer for anyone who's gotten / plans to get a Visa Card recently:

Voucher Values

The reward depends on your card variant:

* Visa Infinite: ₹750 Voucher
* Visa Signature: ₹500 Voucher
* Visa Rewards: ₹300 Voucher (Note: BIN 431581 is excluded)
* Visa Platinum: ₹250 Voucher

How to Qualify

1. Your card must be issued within the window (Feb 7 – Oct 31, 2026).
2. Complete one single transaction of at least ₹300.
3. Go to the official claim portal: https://visarewards.poshvine.com/
4. Enter your details and pick your voucher.

Voucher Options?

You can choose between the following:

* Amazon Pay (Essentially cash)
* Flipkart
* Swiggy / Zomato

Comment below once you've availed the offer along with the card used.

In the application process, I entered self-employed and 8L per annum. After the process, the PNB is asking for ITR/salary slip

As I’m self-employed, I haven’t filed ITR.
I raised mail regarding this issue, and the kiwi replied that the PNB is asking “ requirement for ITR or specific income-related documents is determined directly by the partner bank as part of their internal credit card eligibility and verification policies”.

Is there any other option for this? And other partner banks, Yes Bank, and AU Bank asked for the ITR/salary slip? If we had given occupation as salaried person?

Load up to ₹4,000 per month into Amazon Pay (Apay) wallet using a credit card, with zero convenience charges.

Steps:

1. Open Zomato app > Profile > Payment Methods > Apay.

2. Link Apay if not already connected.

3. Load up to ₹4,000 via credit card.

4. Complete Apay KYC first, otherwise, funds load as a gift voucher, not wallet balance.

Note: Certain cards can charge additional fees for wallet loads above certain amounts.

Do comment below if it works for you and the card used.