Our favourite Credit Cards 2024 | Mastering Credit Cards in India 2024 | Credit card strategies

[@pranayk37]

To apply for Amex cards, click on the link below and select the card you want to apply for by clicking on "view cards". Rewards will vary based on the card you select. For Amex Platinum travel card or Amex Membership Rewards card, please use the link below. You’ll be rewarded 2,000 Referral Bonus Membership Rewards points* + Limited edition Manish Malhotra Playing cards! americanexpress.com/en-in/referral/platinum-travel?ref=sHREYsAjuE&XL=MNMNS To apply for Amex Platinum charge METAL card, use the link below. Joining benefit includes 10K MR points and 45K INR Taj vouchers. americanexpress.com/en-in/referral/platinum?ref=pRANAKm3OP&XL=MNANS To apply for SBI cards, use the link below. You will earn Rs. 300 Amazon vouchers. earningshub.co/Pranay-Kapoor-17146426056411021164

[@shubhambora590]

Links have got expired

[@pranayk37]

Updated.

[@dakshjaglan3409]

@@pranayk37 Could you please update the link doesnt work

[@dakshjaglan3409]

Could you update thr links please

[@gunenderborar1296]

Links have expired

[@wipeout8172]

Amazing content, you guys should do more value based videos on CC, in the middle of every KZbinr just reading the CC booklet, you guys are adding value ❤!! Keep em coming!!

[@pranayk37]

Thank you for your very kind comment! Like I mentioned at the start of the video, we just end up discussing our strategies a fair bit and the idea was to share our strategies for others to borrow from :) We'll come back with more CC videos once our strategy changes!

[@nikhil23911]

Man, it's phenomenal how you have all the knowledge regarding credit cards and the ins and outs of them, and how to maximize their full potential. I have two cards, and I'm not even bothered about the cashback and points. I need to look into it in detail.

[@spark9_]

Probably the most useful video on credit cards I've seen

[@PratikDaga23]

Anmol seemed careful with dislike for Axis, considering it’s a credit card partner with Google Pay 😂

[@sanmathiraj8938]

LOL 🤣

[@waris9596]

Can anyone suggest a good credit card for electricity bill payment which i have to pay directly from the website and the second one for Mobile recharge (prepaid)...

[@praveenvishwakarma2102]

Airtel Axis

[@mahipdeva3543]

I am very glad I stumbled upon your channel, tbh, I like these kinda informative and videos based on discussions and CCs! Keep Growing!

[@pranayk37]

Thank you 😊

[@kartickgrover]

One of the best Indian channels on YT . Kudos PK!

[@pranayk37]

😲🙏🏼❣️

[@akshayshetty5548]

I have 1) infinia 2) swiggy HDFC 3) HDFC neu rapay 4) Magnus 5) Atlas Planning to close atlas and magnus soon and just keep it simple with HDFC they are best and flat reward points

[@pranayk37]

That's a good list of cards!

[@sauravbasu6537]

Atlas is still decent but do not renew magnus it has become bogus and complicated

[@akshayshetty5548]

@@sauravbasu6537 both are waste and not required when you have infinia.....I want ICICI emerald next

[@Curiousqueries101]

Hi, how did you get the Infinia?

[@akshayshetty5548]

@@sauravbasu6537 removing both

[@princedabas]

Hey there According to you which card will be best for utility bill payments like water gas electricity etc.

[@pranayk37]

If you can get hdfc infinia or diners black, use it to buy Amazon pay vouchers and get accelerated rewards. And pay the utility bills using Amazon pay

[@theshetty]

@@pranayk37 Did not know this. The gift card amount can be used to pay for bills?

[@pranayk37]

Yup. Checked in Amazons T&C and FAQs, you can

[@priteshkhilnani]

Free tip : you can pay society maintanence using rupay cards as qr code payment as well. Atleast 1% cashback

[@anmolarora11]

That's a great point. Though some societies might take the charges from you after they realise that MDR was deducted :)

[@saxenavedant61]

Nice video to be brutally honest all of these cards are out of my income range but maybe in future just got my first credit card swiggy HDFC lets see how my journey goes

[@hemantsaraf5446]

Best to have Amazon pay icici Swiggy hdfc Tata Neu infinity Axis Indian oil or Bob energie HDFC diners

[@shashankpatodia1631]

Hey Guys, Amazing content. On Rupay, I had Tata Neu Inifinity. The issue is that Rupay allows UPI to only merchants, but most of the small ticket transfers / payments to shops are done on personal UPI of the shopkeeper. so Rupay wont be accepted, it will be deducted from your bank account only, not CC

[@anmolarora11]

Yes, you are right. Though this is a good way to earn points on any small amounts of UPI spends you do to merchants (if they don't have a POS terminal & have a merchant account), and also for websites which charge extra for CC v/s UPI :)

[@pranayk37]

Why did you give up your tata Neo rupay card? Since you said "had"

[@adityauphade]

The valueback from this Video was 1:💯

[@shriramganeshan8475]

hey pranay really good content and thanks for al the amazing tips, i heard something about an indian oil card in the video, is there any card that can help with earning points on fuel spends? or it just counts towards milestones were in i could use a card to make fuel spends to meet milestone benifits?

[@pranayk37]

Sbi card octane is decent for fuel. Though fuel does get counted towards amex milestones. If you use amex, get it from HP pumps - it doesn't charge surcharge. If you want to get sbi octane - you can apply using the link below. bitl.in/PtQYsSL0

[@shriramganeshan8475]

@@pranayk37 oki cool will check out the sbi octane so it surcharge is applicable on amex for indian oil?

[@deepnath_dave]

I feel like I am listening to my friends when I hear your conversation. Thank you for sharing your learnings and helping me make my decision on credit card strategy. Thanks mates!!

[@pranayk37]

Thank you for your comment, friend! 😃

[@pranavvarma3077]

Informative!

[@ravisharma3007]

Any other credit card for rent payment as SBI club vistara will be discontinued in future ?

[@abhilaashjaishankar8338]

Question! You guys have cards from so many banks - HDFC, SBI, ICICI.. Do you maintain an account in these banks, to be eligible for these? Or do these credit cards consider other factors when they are offering these cards? (which does not require a bank account)

[@pranayk37]

You don't need an account to be eligible for most cards. They check your credit history and issue cards

[@abhilaashjaishankar8338]

@@pranayk37 Understood. Thank You!

[@niralighelani]

Do we get a mailer or a notification from marriot for moving points?

[@varunsonagra4562]

SBI prime has stopped rent related consideration in points as well as milestones from 15th April effectively. So no use of any SBI card now

[@mihirgarg]

milestone consideration is still there.

[@varunsonagra4562]

@@mihirgarg How did you confirm this? Unless we get a ticket, I'm not sure about this

[@anmolarora11]

Confirming.. I got the ticket and the Yatra benefit of Rs. 10k

[@julianpeter88]

Thank you for the insights. Links seem to have expired. Can you please share the link for Platinum travel card

[@pranayk37]

www.americanexpress.com/en-in/credit-cards/referral/prospect/cards/intl/iSHANKBo1k?CORID=i~S~H~A~N~K~B~o~1~k-1725427150337-20100916&CPID=999999544&GENCODE=349992751878099&ref=iSHANKBo1k&v=2

[@vipulbhatia9557]

Great content. Keep it coming 🙌

[@EtzMe]

Which wallet can be loaded with amex credit card without any extra charge?

[@pranayk37]

Try amazon pay via gyftr

[@ashwinphalke3114]

I am confused between, SBI Vistara prime and SBI Air India Signature. Which one is best according to you?

[@govindrajrege8968]

Could you please share the referral link for HDFC Infinia?

[@pranayk37]

Invite only card

[@randomrandom9]

NPS payments dint give RPs on Infinia. Doubt it would give on DCB as Pranay mentioned

[@pranayk37]

You’re right

[@withoutyt]

How did you got infinia, could you please guide?

[@ticsalt3]

which card to use for rent payments on pazapp(red giraffe ) and why?

[@pranayk37]

Sbi vistara prime or axis vistara prime is a good option. It will help give you premium economy tickets when you hit spend milestones.

[@gauravkumar159]

​@@pranayk37I've heard that sbi vistara prime has stopped regarding rent payments. This happened April onwards...if this correct can you suggest some alternative.

[@monishaswani7402]

​@pranayk37 what do you think about IDFC vistara?

[@JessicaSharma]

Love this subject!

[@yashvijayvargiya]

DCB doesn't give you any reward points on NPS payment.

[@pranayk37]

Thank you for pointing it out!

[@dhruvdadhich]

Hey, I don’t see platinum reserve in any of the discussions, is the card not good enough?

[@pranayk37]

Not worth it..

[@theshetty]

Anmol mentioned using credit card to pay via googlepay if I caught that right. How can that be set up on Gpay?

[@AyushNiranjan]

It only works for Rupay cards and payment can be done only on merchant qr. I do use it all the time to pay even minimum amounts. Your CA will love it as he will not have to dig through your savings account statement full of small payments

[@aceani]

It can only be done through a RuPay card

[@anmolarora11]

Yes.. that is for RuPay cards. I just got Indusind Platinum RuPay card. 2% points on Vistara.

[@NiranjanKumar-yj3mn]

Started my job in the year of 2022. Got hdfc millennium first. Got upgraded to regalia gold. How do I get updated to innfinia ? I have a good relationship with the hdfc bank manager but whom do I contact for the upgrade ?

[@farazmakhani5084]

Hi.. can you pls share the link for Amex Platinum Travel card?

[@pranayk37]

americanexpress.com/en-in/referral/platinum-travel?ref=rACHIS8Rvl&XL=MIMNS

[@whybhumikajustwhy]

DREAM collab!

[@akshaykamath92]

What is the best one for education? I am planning the Amex mrcc + plat travel. Do they give points for education?

[@pranayk37]

By education, do you mean school fee? If yes, it works if your school portal accepts it. The school fee counts towards milestone spends. Great choice of cards too. In fact if you spend 20K monthly on MRCC, the value you'll get will be even more. Video coming up soon! And don't forget to use the referral for application and get first year free. americanexpress.com/en-in/referral/platinum-travel?ref=pRANAKAPCQ&XL=MNMNS

[@anshubisht4469]

​@@pranayk37 this link is expired.

[@mayurnahata]

For education fee do amex gold give mr points or only amex travel platinum gives? And what can be the strategy to get dinner club card of hdfc as i recently became there privilege member while opening saving account.

[@MrApanda123]

Hey guys! Thanks for the video! As the co-branded vistara cards are no longer provided and taking an sbi prime card alone gives no such benefits, what is the next best card to approach this? Thanks for your help

[@pranayk37]

Let's wait till the merger completes in November. Will update

[@remained1]

Hi..nice conversation..... I am shifting to another city and have to travel to home and payment rent also...I have regalia gold....which card so u suggest to save on air travel and get points ?

[@pranayk37]

Hi, you can check sbi vistara prime or idfc vistara. Both will give vistara tickets on hitting spend milestones. Idfc charges 249/- for rent payments and SBI prime doesn't give CV points for rent (but rent is counted towards milestone spends).

[@jayeshbawa7524]

My list includes Axis neo BOB One card Sbi bpcl octane Amazon pay icici Hdfc regalia gold Amex mrcc card Amex platinum travel card

[@pranayk37]

Thanks for sharing!

[@VenkateswaraRao-lu7vr]

Thank you for very insightful videos .Kindly let me know which card is good to earn reward points on TATA AIG insurance premium.

[@pranayk37]

Amex Plat travel can be used since it counts towards milestone benefits

[@VenkateswaraRao-lu7vr]

@@pranayk37 Thank You

[@chaitanyabingumalla8045]

​@@pranayk37hi Pranay, I have to pay an insurance amount of 2.5L. Is amex card still the best card and can you help me on the platform using which I can make this payment

[@shekhawatharshofficial]

Thank you! 🙏 This really helped. Will check for Platinum Charge as I keep traveling a lot.

[@pranayk37]

I have a video on platinum charge card. For international transactions, it's my go to card since it gives 3X returns and effectively negates the forex charges. kzbin.info/www/bejne/jXzbZoWHnbGGmqcsi=Wvi9wqwXV80GZpNs

[@digvijaysingh7176]

How does one get 12k MR points on 72k rent payment. Am I understanding it wrong ? Or is there a trick to the trade ? This is at 7:26

[@digvijaysingh7176]

The way I see it is - 72k @ 1 point for every Rs. 50 spent = 1440 MR points. Then 20k milestone - 2k MR. 4 transactions worth 1.5k each - total 1k MR. 1440 + 2000 + 1000 = 4440 MR points.

[@pranayk37]

Covered this in another video where we compare gold versus mrcc card. You can see that. Also don't pay rent using Amex

[@digvijaysingh7176]

@@pranayk37 thanks for the reply Pranay. Saw that video as well. Would be great if you can break it down here as well. Do you get a reward multiplier when paying rent ? Or anything else of the sort ?

[@rohitmahambrey]

Amazon pay via gyftr charges a premium. Am i doing it right

[@pranayk37]

Yes hdfc has started charging recently. Amex gyftr is still not charging extra

[@rohitmahambrey]

@pranayk37 does Amex also charge a premium for gyftr? I can't book Amazon pay voucher using amexgyftr. Can you help?

[@MIS32264]

Most Axis Bank CC now have no value after devaluation 2.0. Can you suggest any other card to replace its Edge miles, travel benefits?

[@pranayk37]

I agree, Axis cards seem to be pretty useless as things stand. My recommendation would be to try and get Infinia or Diners black from HDFC. If not, you can try SC Ultimate. You can also get the Amex Plat travel card for spends upto 4L per year. If your spends are specific to a particular category like Amazon, Swiggy, Myntra - it makes sense to get their co-branded credit cards.

[@DarshanPatel-c5p]

SC ultimate is also on the brink of becoming useless. Unlike before, too many exclusions + voucher options have gone terribly bad recently.

[@shubham0803]

How do you track your spends? I can't find any good personal expense tracking apps on iOS

[@pranayk37]

Don’t track my spends, but I track my savings. Back when I used to track expenses - used the below app apps.apple.com/in/app/spending-tracker/id548615579

[@priteshkhilnani]

Axio / Walnut

[@akshayjoshi1003]

can listen to this for hours

[@Rpradeen]

What about tata Neu card is there any benefit buying gold? Can you suggest best credit card paying Bill.jow they charge for this bill?

[@pranayk37]

I don't have tata neu card - hdfc just doesn't give it to me. It seems to be the most lucrative rupay card for all upi transactions..

[@rishikatakia7467]

Does the rental payment on redgirrafe to the landlord happen immediately or does it take time of few days or hours?

[@pranayk37]

Happens within the same day usually

[@dS04-g5t]

Very good video guys. Keep it up.

[@siddharth0401]

Itna kaam kaun karega, i am on a simplification spree of having one cc, 1 bank account besides 1 sbi, 6-7 mutual funds, no debt fund since the plan is long term but i might review this and add 2 debt funds in anticipation of rate cuts, 1 demat account, i think wealth creation happens when you declutter things and be pound wise rather than penny wise and keep the big picture in mind

[@pranayk37]

Couldn't agree more 💯 Which is why I have tried to automate card payments so it's simplified. And I actively avoid cards where I don't have a savings account (since I can't automate then). On demat - agreed again. I have two however because I want to derisk a little among brokers. And in my mutual fund video - I used the exact same phrase of penny wise pound foolish (in the context of making a brokerage account with interactive brokers over vested, etc)! Thanks for your comment!

[@saketsourabh0411]

Correction.. Nps payment does not return any rewards from hdfc... :-)

[@pranayk37]

Thanks for flagging!

[@vikod]

Do you recommend an Amex charge card for booking travel?

[@vikod]

I have an upcoming travel, have a platinum card and am planning to make use of the points to book tickets

[@revathy3909]

Please share the link for amex membership rewards card

[@pranayk37]

www.americanexpress.com/en-in/credit-cards/referral/prospect/intl/B5051EE0AA3D562337F55C4D96B223F9E0D7753CFAD5DC772B8CE5C04CB3167AF500F554ADB5F4901A39DCD8E77043697CE531648C163B036B01486BAF6B111CF6ED2F34E4138C5496AA2D694396DD89EA5E2A9A3F2B270482F7AEF8590C436D973E5A42CF9BC412A9463EB7EC19C111A7E91A4F055DFC03A37AD7990A8A803DDB161FCDD28BB180A3AB0399E10C8024839E4087251385B1DFAB6546383DD9985A1E71A466D2951F97FCE4E757DD6629D9A4DAABB69A4D92E0E99E07982D355AB536C8363C4BB748EFD6D024BB69410DC07F41DB5A20C5A9AF9D5DE4F582D0F0E6716D11BB0BE6973A9DF0E3084D0555?CORID=r~A~C~H~I~S~8~R~v~l-1725785654265-1786880141&CPID=100364208&GENCODE=349992709257172&XL=MIMNS&ref=rACHIS8Rvl&v=2

[@harikrishnanpanicker7392]

Thanks for such an informative video. I have a bunch of international travel coming up and I would love to book the flights ( in the tune of a few lakhs) via a credit card to maximise returns / miles / other perks. Can you suggest a card I could apply for? I have a good credit history and currently hold Regalia & ICICI Sapphiro ( Amex / MC). 🙏🏽🙌🏽

[@pranayk37]

Get a milestone based card. Amex plat travel has good milestones upto 4 lacs. See my last video around that. Other good milestone cards can be sbi vistara prime and axis atlas.

[@harikrishnanpanicker7392]

@@pranayk37 Thank you for such a prompt reply, appreciate the recommendations. I’ll look them up and your video on Amex Plat 🙏🏽❤️

[@harikrishnanpanicker7392]

@@pranayk37 Hi Pranay, possible to share a referral for the Amex Platinum Travel card? 🙏🏽

[@manikantaseetha-my5yf]

One thing to note here is SBI now removed points for rent in SBI Vistara prime recently

[@pranayk37]

Yes, it literally happened a few days after we shot the video. Anmol isn't very happy about it given he has no rent strategy now 😂 Please do share any cards that are still awarding points for rent!

[@anmolarora11]

However, rent payments would still be counted for milestone spends (which is anyway the real value). I just confirmed that with them. Will be super sure only when I do a rent txn after 15th Apr. Will update here.

[@sarthaknagar9103]

​@@anmolarora11 please let us know if rent payment is counted as milestone benifits

[@anmolarora11]

@@sarthaknagar9103 haven't tried yet, will do by 30th APR.. though, when I called them, they confirmed

[@kunalvinayakiya7187]

Hi Anmol Were rent payments considered for milestone benefits after your txn on 15th?

[@nikhilkasamsetty5009]

Please suggest a good credit cards for rent & travel

[@pranayk37]

Hi, this is subjective depending on your annual spends. For travel, you can consider the vistara cards with sbi or axis. Same as what Anmol uses in the video. Rent is tricky given most cards have stopped giving points on rent payments. You can check standard chartered ultimate but it charges an additional 1% charge for rent payment so the benefit is minimal.

[@anmolarora11]

SBI Vistara Prime cards and IDFC Vistara cards are good ones for this. You will get 4-5 Vistara tickets just by paying your rent (with an added 0.6-1.6% fees)

[@nikhilkasamsetty5009]

⁠@@anmolarora11 thanks for the reply. Just wanted to confirm any devaluation has happened for these cards?

[@anmolarora11]

There have been devaluations in both cards recently. SBI Vistara Prime: No CV points on rent spends IDFC Vistara: Min Rs. 249 fees (1%+GST) for rent payments and 1%+GST on utility payments above 20k/month. However, both allow rent payments to be counted for milestone spends, and the real value comes from the Vistara vouchers you get for hitting the milestones. Hope this helps clarify.

[@nikhilkasamsetty5009]

Thanks for the info Anmol, this was helpful

[@veerabrahmeswaraomurari1224]

Awesome video sir

[@sagarassnani4102]

Thanks for the wonderful video. Can you help me with your strategy for paying Stamp Duty to government pls

[@pranayk37]

Amex plat travel is what I use to pay taxes upto 4L

[@PratikDaga23]

Is redemption better with Vistara economy voucher?

[@pranayk37]

Redemption has been quite poor for me personally. I've almost never been able to use the premium economy voucher or the class upgrade voucher. You must plan well in advance - more than 3-4 months. This was the reason I cancelled my SBI prime vistara card.

[@RajarshiChakraborti17]

I just got the Infinia. Closed Magnus.

[@pranayk37]

Good choice

[@withoutyt]

How did you got infinia, could you please elaborate?

[@tsjoshi]

Great video !! One suggestion, please allow the guest to complete the sentence. I have seen many times that he wanted to speak and provide more tips and but you interrupted and diverted the topic totally.

[@pranayk37]

Thank you for your feedback, will be more mindful about this!

[@debasishdash7575]

Hey PK, any tips on how to negotiate to get HDFC Diners as LTF.

[@discoverwithjai]

Is there any Credit card at present which gives benefits on rent payment and education payment..?

[@ImArsh123]

Very useful insights. Please recommend a credit card/cards to pay for flat, the developer accepts credit card payments. Its a construction linked payment plan as the property is Under construction so the paymet happens in parts as per stage of completion. Will this be classified as rent or a regular expense. TIA

[@pranayk37]

Milestone card. Can check out axis atlas and amex plat travel

[@Abhyyt]

Hi. I think SBI Prime cancelled the rent benefits since April. Is there any good option now for Rent Payments?

[@pranayk37]

Still a good option. Rent counts towards milestone benefits

[@Abhyyt]

@@pranayk37 thanks for the reply. After my above comment, I double rechecked a few things and realised the reward point restrictions are for SBI PRIME card which is separate from CLUB VISTARA SBI PRIME card. I still don’t see any restrictions for this Club VISTARA card on their website and hence will be applying for the same in a day or two. Do you OR anyone reconfirm if this is still the case OR not? This variant of the card seems to be more beneficial than SBI PRIME.

[@pranayk37]

Don't expect reward points for the vistara card either. But you'll get free flight tickets at every milestone you hit so it's great

[@Abhyyt]

@@pranayk37 thanks

[@alvindesouza]

What are better ways of paying and automating payments of your CC besides CRED

[@pranayk37]

If it's amex, you can set up a nach mandate from any savings bank account. For other cards, unfortunately to enable autopay, you need a savings account in that particular bank.

[@VenkateswaraRao-lu7vr]

Kindly make a video on changes in membership status, Reward points and Award tickets if any due to Vistara Air India merger wherein Vistara merger

[@vipulbhatia9557]

What value should i assume for 1 marriot bonvoy point?

[@pranayk37]

depends on the hotel you are booking. If it’s a new property that Marriott wants to promote - you can easily get 1:1 value. But if it’s a well established hotel during peak season, you can get somewhere around 30 paise per Marriott point.

[@mohammadsafdar7947]

An anmol episode! ❤

[@abhipritam]

Hey guys, one basic doubt. Why isn't it better to pay by points directly while booking flights/hotels through the credit card platform instead of doing miles transfer to a partnering airline/hotel? It seems the latter due to the double conversion gives significantly less INR/INR conversion ratio.

[@Hyperblaze241]

It gives you bonus points

[@stevenquadros9004]

What are people using to pay their credit card bills besides Cred?

[@pranayk37]

Can do hdfc platinum debit card to get 1% cashback upto 750 per month. Only for non hdfc credit cards. You can use sbi unipay

[@srideep5131]

Do hdfc still give diner club black credit card as LTF for alumni folks?

[@pranayk37]

Not sure.. I got it in 2019

[@bishalkumarshaw1]

I like the Conclusion part.

[@SupratimDebnath]

Can you make a video about Frequent Flyer Program strategy for optimizing the credit card miles to the fullest? Turkish was the best but after their deval in Feb, there has been lots of confusion.

[@pranayk37]

Great idea, will do! Thanks for your comment ❤

[@SupratimDebnath]

@@pranayk37 Also, why no talk about Accor in the video? They provide the best value per point of 1 point = Rs 1.82. Marriot points are worth Rs 0.3-0.4 on their properties. So using Accor should be a no brainer right?

[@The041990]

which card do you use to pay insurance premium?

[@pranayk37]

Just paid mine using Amex platinum yesterday

[@aash6693]

Can i get referral for amex platinum travel card?

[@pranayk37]

It's the same link, just click on view cards on the top left corner and select amex platinum travel

[@kapendrambbs1]

What is the best card for payment property tax of around 1.5L Please suggest Tq

[@pranayk37]

I paid this last year using axis magnus. But now I'm not sure. Maybe call and check amex travel? Maybe they do consider this tax payment towards milestone benefit. Let me know!

[@dg4012]

SC ultimate allows tax payments along with 2% reward points

[@madhavsaraswat5718]

Most of the cards I'm having are same as yours. Nowadays Amex cards seems to be more valuable than other cards. Pranay nice discussion around the cons and pros of these cards.

[@pranayk37]

Glad that you liked the content :) Agree with you, amex seems to be consistent with their rewards approach which makes it predictable to optimise.

[@TheGshyammenon]

Hi I am a nri , any suggestion regarding what cards I could use. My spend is easily 15 lakhs a year , right now everything goes on my Citibank prestige card which gives some points ... But that's it . What is the eligibility of hDFc infinia

[@pranayk37]

Hi, hdfc infinia is given basis your relationship with the bank. Do you have any relationship with the bank? An easy way to do this can be to open an imperia account with hdfc bank and then ask them to give you an infinia

[@economicorderqty]

Could you relink the referral link for Amex Travel?

[@pranayk37]

americanexpress.com/en-in/referral/gold?ref=rADHINhCQg&XL=MIANS

[@anshubisht4469]

You may find the same link my channel description

[@deepnath_dave]

How to automate usage of AMEX MRCC for 4 transactions every month?

[@pranayk37]

Haven't been able to figure this out. If you do find a solve, please share 😉

[@deepnath_dave]

​@@pranayk37 Actually, Anmol has figured it out. Please check this video from 8:04 onwards, wherein he has said about automation. Can you please check with him and share his learning?

[@deepnath_dave]

Can you please share the idea on how to automate the 4 transactions?

[@hpgkayy]

Good stuff guys!

[@pranayk37]

Thank you for your comment!

[@manishamohire1014]

Nice video Guys , Pls tell us how you ppl pay school fees n earn rewards ? Which r those credi cards & on which platform

[@pranayk37]

Amex platinum travel card can be used to pay school fee upto 4Lacs in a year. The school gives a payment link which accepts Amex in our case

[@perpetualcurious4425]

which credit card is still giving rewards on NPS payment ?

[@subhrajyotisen7218]

You can use Amex Plat Travel for such payments since it counts towards the 1.9L/4L milestone

[@anmolarora11]

Most cards have stopped giving points on govt spends. You might still get milestone points.

[@nitinshimpi1734]

Which CC is good for international travel?

[@pranayk37]

Rbk world safari credit card seems to have 0% foreign transaction fee. Haven't used it myself but you can check it out

[@abhisheksingh6358]

I am travelling to UK next month with family for 3 weeks next month (June). I have yet to book accommodations (Hotels and AIRBNB). Any ideas or tips on how to save money from credit card from which platform using which credit cards.

[@pranayk37]

I think I'd keep it simple - booking via HDFC smartbuy, and getting 5X rewards on flights and 10X rewards on hotels. See the link below. offers.smartbuy.hdfcbank.com/offer_details/smartbuy/15282/Zmilm2U%3D

[@nimo5114]

Hi, nice video. Please tell me how you pay your bills. You mentioned you are not a big fan of Cred. Thanks

[@pranayk37]

Hi, so my bills are directly paid to the society through google pay. However you can try amazon pay. If you have Amex Mrcc card, you can try adding money to amazon pay and earn the rewards too. Good luck and thanks for your comment :)

[@deepnath_dave]

Very well said

[@94atharva]

Which bank do you prefer for your savings account

[@pranayk37]

Hdfc for salary account. Icici for everything else. Niyox / equitas for parking money

[@mystickal6342]

Can you please guide or make a video on AMEX Travel Platinum card and also is it wise to Get HDFC Marriot Bonvoy Card ..I am confused between the both cards which do you think will be more value .. I like your video

[@pranayk37]

It depends on what your spends are. Hdfc gives good value for spends on Marriott hotels. But beyond that, amex travel seems to be better value for spends upto 4 lacs. Having said that, the joining benefit of hdfc Marriott is tempting (almost 2.5x of the fee you pay). Maybe if you are planning to stay at a Marriott hotel anyway, get the card just to get that 1 night at a cheaper rate. But beyond that, amex travel seems to be providing better value. Good luck with your decision!

[@mystickal6342]

@@pranayk37 Thanks a lot I like your videos please educate more on your video love your content and no nonsense style of making videos Love your channel keep up the good work❤️❤️

[@nandandixit2407]

Thanks for putting up this amazing video.. I would want to see a detailed video on paying the income tax using credit cards .. and the related nitty gritties about it. I saw Pranay paying it the previous year so maybe that will help ppl like us.. All the best!

[@pranayk37]

Hdfc biz black seems to be offering good returns on tax payments

[@hemantsaraf5446]

Correction: Swiggy HDFC card has limit of 1500 cashback / 15000 spend per month

[@rajatgaur53]

Good conversation. Can you pls tell how did you get MRCC LTF?

[@anmolarora11]

Hi Rajat. I've seen 2 cases of MRCC LTF: 1. You get the FYF card and then negotiate with Amex at the end of Y1 2. You get a higher variant (Like Amex Plat) and they give you MRCC as LTF I got my Amex Plat LTF when they set up a kiosk at my office and after some time they offered LTF MRCC as well.

[@abhishek8243]

AMEX platinum means Platinum travel or the more premium one ?​@@anmolarora11

[@AbhishekVEVO]

Hi, I'm planning to buy a car and vendor is ready to accept a payment of 4-5 lakh using credit card. What's your suggestion for credit card to get maximum cashback or maximum travel benefits.

[@pranayk37]

You can use a mix of cards. Amex platinum travel card is a good option upto 4 lacs. The remaining 1.5L can be on Axis magnus

[@MotoBites_with_Manas]

Greeeeeeaaat video

[@ravisharma3007]

Since 1/4/2024 SBI is not giving any reward points on rent payment, you should put it in a disclaimer so that people don't run after it.

[@pranayk37]

Sbi has stopped giving points for rent payments. However they're still counting it towards milestone benefits as confirmed by them over call. So I think it's still the best option out there. But you're right, points aren't being given - I'll add it as a comment

[@younism3797]

How to make the most of the Amex Membership Rewards points? Anmol mentioned that 135000 MR points would be worth 135000/- INR if used correctly and more when the bonus offer comes in. Can you please explain that.

[@pranayk37]

The simple way is transfer it to marriott bonvoy at 1:1 ratio. And then avail it on hotels that are offering a 1:1 redemption value. For example, Westin Himalayas in rishikesh: you could book a night for 25000 points, and typically it costs 25000 INR.

[@younism3797]

@@pranayk37 Thanks for the explanation

[@sumit_gambhir]

Interesting discussion but very poor sound quality and you guys are interrupting each other too much so cannot understand the words many a times when you both are speaking together.

[@pranayk37]

Yes have worked on improving the sound quality in subsequent videos, hope you see them. Thanks!