Nikhil Gupta
@ChFrameworkOff
Chief Framework Officer | Living for match days, maximizing reward points. You'll find me talking Man Utd, cricket, travel hacks, and all things finance.
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Credit Card Fundamentals 101 💳 Beyond just buying now & paying later, credit cards offer: • Free Credit: ~45-50 days of an interest-free loan. • Real Value: Cashback & points (worth ₹0.1 to ₹1+ each). • Luxe Perks: Lounge access, zero forex fees & exclusive deals. • Status…
I hope more folks realize the power of Apay and its importance in getting accelerated rewards.
The beauty of splitting bills when CCGeeks meet is that they accept a wide range of currencies. 😆 At one of our meetups, one person paid the entire bill using his credit card and casually said, “Bro, Amazon Pay kar dena.” So the entire table bought APay vouchers on their cards…
💥₹3,000 = A FREE hotel night! Want premium stays without premium prices? HDFC Marriott Bonvoy Credit Card gives you 15,000 points just for joining. That’s enough for a free night at Marriott properties worldwide 🏨✨ Why chase “Lifetime Free” cards when you can unlock smart…
Turn your rent into rewards. 💡 With the HSBC Premier Credit Card, you earn 3% in reward points — even on rent payments.
This guy literally dropped the best mindset shift you’ll ever hear
Get Club ITC Gold Status if you already have Marriott Gold Elite through status match. Offer valid till 31st December.
Planning international travel? Google Flights price trackers are essential. Set one for your specific route, dates, and preferred carrier. It's the only way to counter dynamic pricing and save.
Smart travel planning isn't just about where, but how. Every trip has one of two goals: Earn Trip: Pay cash, strategically stack points. Burn Trip: Redeem those points for high-value redemptions. For eg. Use this year's Dubai trip (earn) to fund next year's New Zealand…
Wishing you all a bright and prosperous Diwali! May you be approved for the 'Ultimate Lifetime Free Card' of Happiness. Benefits include: Welcome Bonus: A year of good fortune. Rewards: Infinite points on health & success. Perk: Unlimited 'lounge access' to peace and…
Everyone is stacking gold and earning points using credit cards. DO NOT FALL IN THE TRAP. Buy if it only makes investment sense for you (For me, it doesn't). Follow your personal framework for investing. Never do anything out of FOMO. #creditcards #gold #PersonalFinance
Amazing opportunity to earn points while shopping on Flipkart. For every Rs. 1000 spent on Flipkart, earn 100 Marriott Bonvoy points. Link your accounts now! #Travel #creditcards #marriottbonvoy #flipkart
🤣🤣🤣🤣🤣 For everyone who missed Marriott Gold Elite 😇
The IndusInd EazyDiner Visa Platinum card is a pass, even when it's LTF. The single dining benefit is easily beaten by other cards with superior rewards and milestone perks. Choose wisely. Cut the noise. #CreditCardsIndia #PersonalFinance
Seeing these posts of silver and gold buying has become exhausting now (especially using credit cards). The FOMO is insane. #gold #creditcard #Silver
Air India offering 8% discount upto Rs. 5000 on gift cards. Pair the purchase by using Axis Atlas / HSBC T1 to get higher reward rate (10% / 4% post transfer). You can skip if you have HSBC Premier / HDFC Infinia as they offer similar rewards on the travel portal. Pro-tip: Try…
The best way to escape EPFO is to be unemployed. Follow me for more career tips.
For nerds wanting to know the rationale - if you choose INR, the conversion is handled by a third party who would have procured the conversion rate at a much higher cost, which is passed on to you. If you choose local currency, the conversion is handled by your network (visa,…
Traveling abroad? ✈️ When paying with your credit card, ALWAYS choose the local currency, not INR. Opting for your home currency (Dynamic Currency Conversion) can lead to higher exchange rates and hidden fees. Save money and travel smarter! #TravelTips #Forex #CreditCard…
If you are using an iPhone but not using an AirPurifier at home, there is something very wrong about how you make decisions in your life. You still have time. Please fix priorities.
Traveling abroad? ✈️ When paying with your credit card, ALWAYS choose the local currency, not INR. Opting for your home currency (Dynamic Currency Conversion) can lead to higher exchange rates and hidden fees. Save money and travel smarter! #TravelTips #Forex #CreditCard…
Awesome welcome and renewal benefits. Also, provides great motivation to kick-start the journey of points and miles once one experiences the FNA.
If there’s one credit card I’d recommend purely for its welcome and renewal benefits, it’s the HDFC Marriott Bonvoy Credit Card. For just ₹3,000 + GST (₹3,540 total), you get: 🏨 1 Free Night Award worth up to 15,000 Marriott points (can easily fetch stays worth ₹12K–₹15K)…
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