What Credit Cards You Should Have by INCOME? [Detailed Review]

Рет қаралды 358,633

6 ай бұрын

We delve into the world of credit cards to help you discover the ideal card that suits your income and spending patterns. Whether you're a student, a high earner, or somewhere in between, we've got you covered. We break down the best credit card options for every budget and lifestyle. Make informed decisions, maximize rewards, and take charge of your financial journey with the perfect credit card for you.
Niraj Dugar: x.com/contliving
/ @dugarniraj

Пікірлер: 392

@WintWealthYT 6 ай бұрын

Sources to Track Credit card offers: x.com/contliving x.com/tejasghongadi x.com/drgrudge x.com/livefromalounge x.com/thetrickytrade www.youtube.com/@dugarniraj www.livefromalounge.com www.cardexpert.in www.technofino.in www.thepointsguy.com

@subhrojyotisengupta6534 6 ай бұрын

Great

@suhagmaru 6 ай бұрын

All will get now bumper of referrals and they will make more trips and guys getting the cards thinking they will benefit will see them travel... ha ha ha

@jpsworld108 5 ай бұрын

See his family's monthly expenses are around four - five lakhs!!! How many families in our Nation have such capacity??

@shubhamb6131 4 ай бұрын

Great

@Happysoul_3 6 ай бұрын

This video is most relatable to High Network Individuals. Middle class- pls don't follow the stunts performed above. For upper middle class- you can definitely do but dont get addicted with it. Stay away from spending beyond your limits. Spending extra for a gift card or coupon which you may or may not be able to use doesnt sound great. I found travel related rewards amazing. Anyways, Stay safe😅

@nitinregar540 6 ай бұрын

Exactly this same thing came in my mind... Thanks for sharing this precation warning, this should be shared by creator in start or end of the video.

@somitn1218 4 ай бұрын

You mean to say...High Net worth?

@computerscienceresearch 4 ай бұрын

Travel benifits on 10k card. I would but stocks❤

@AkashTopder 3 ай бұрын

Even lower middle class people can use CCs. You need to be wise with your money.

@direcolasal Ай бұрын

Net worth! 😂

@JK-fp1ou 6 ай бұрын

I don't waste time and money on credit card.....i focus on increasing my cash flow

@JEE2025-mz8jl 17 күн бұрын

matlab phelal aap berozgar ho

@JK-fp1ou 17 күн бұрын

@@JEE2025-mz8jl i have enough money thats why I don’t depend on credit card

@SanjeevM-hv4gu 6 ай бұрын

I am a newbie to credit cards. My understanding is that even if you get a discount or coupon by using credit cards you will be manipulated to spend more to avail the coupon. It‘s like purchasing something for 10000 rupees to avail the 1000 rupees coupon you have which you would otherwise have bought for 5000 if you had not had the coupon. Just because I am getting a coupon to avail at a 5 star hotel, I would not go to one. At least for me.

@ghostrider160492 6 ай бұрын

Completely agree. It’s difficult but if you can transfer your cash/ UPI/ Debit card spends (which are inevitable) to Credit card - you are earning a piece of pie on your spend. Not all rewards are in form of coupons encouraging to spend more. Most rewards are in form of points which you can convert into an airline/ hotel credit which you can completely redeem without a need to spend a single penny.

@anujitganguly 6 ай бұрын

100% correct

@soloqVenu 6 ай бұрын

You are almost there. go deeper, you will never need a credit card. They just want you to have it. End of the day, every individual or a company want to make a money. They just trick people into spending more by giving rewards.

@sportstours24 6 ай бұрын

Everyone is different. For my use case, I have to book high end hotels for my travels.

@MrAnmoltiwari 6 ай бұрын

Yup…people like to believe that ohh we are saving so much money and all, without ever realising that u ultimately end up spending so much more…but yeah they are beneficial if u really chose to spend wisely

@prafulc5071 6 ай бұрын

When he said 30 to 40 lakh yearly spend, closed the video 😅

@HiDibakar 6 ай бұрын

Same 😂

@piyushpithava8540 6 ай бұрын

we 30 to 40 thousand in a Year...

@shubhammanjalkar8591 5 ай бұрын

Samee😂

@shubhammanjalkar8591 5 ай бұрын

@@piyushpithava8540ya maximum 😂.

@lakshmitejas1685 5 ай бұрын

Haha credit card experts are posible only if you spend like that. Else max you can make very less cb

@Rainson_Entrepreneur 6 ай бұрын

He has a deck of credit card. At check-in, he must be like "Pick a card, any card"

@i.m.salvation 6 ай бұрын

Bro gave us many reality checks in 19 minutes. One reality check to bro - You can get a priority checkin with a credit card, but you can not travel faster.

@user-mu9by1il8m 6 ай бұрын

At times Priority check-in matters.. & you can get 30 mins of extra sleep

@i.m.salvation 6 ай бұрын

Thanks Megha for the info

@sanjay_singh 6 ай бұрын

I have American Express Platinum Card. Got 65K Taj Voucher. Planning to close it now.

@aryannagarwal0 6 ай бұрын

Please can u give me one referral

@ravishrathee 6 ай бұрын

Why you closing this card

@aayushjain1845 6 ай бұрын

@@aryannagarwal0: I can give you referral if you want?

@computerscienceresearch 4 ай бұрын

@@aryannagarwal0it's fees is 70k

@vasanthpragash854 2 ай бұрын

That card costs 60,000 and taxes for annual membership. You've not actually made anything from it.

@kumar_-_vlogs 6 ай бұрын

Just remember one statement - Money saved is Money earned. Credit cards work the opposite way, having said that dont be a miser and enjoy life in your own bounds.

@tejasghongadi 6 ай бұрын

Why do u think Credit Cards work the opposite way? I use credit cards heavily for my regular spends and have done three international trips in last two years where flights and hotels were paid for by Credit Card Points. Every household has a fixed amount of spends (Utilities, Insurance, Mobile, Internet, School Fees, Fuel) regardless or payment mode and discretionary spends. The focus is to earn maximum rewards on those fixed spends using Credit Cards.

@adarshlakshmanan 6 ай бұрын

@@tejasghongadiwhat card do you use?

@utsabbanerjee7577 6 ай бұрын

It becomes a problem when folks start spending 1L just to maximise on a hotel booking of 50k through points. As long as the trip is already planned and this is just helping you make it cheaper, it's perfectly fine. These things should be explicitly called out, I feel.

@suhagmaru 6 ай бұрын

@@adarshlakshmanan he is pro... Credit card spend for them is easily 50k per annum easily..stay away if you dont know cards

@handsomerob2509 6 ай бұрын

@@tejasghongadi most of the credit cards have stopped providing points on bill payments like life insurance, term insurance, fuel purchase which is where major expenses happen for people. Earlier Amex rewards for providing points for these but have stopped now

@adhirajw 2 ай бұрын

I use infinia, definitely the no. 1 card for sure.

@user-mu9by1il8m 6 ай бұрын

As per the details in video he is spending over 1cr on cards in a year.. 15 lakhs on Atlas, 15 lakhs on Infinia, 10-12 lakhs on Vistara-Axis, min. 10 lakh on Amex platinum, 4 lakh on Amex Platinum travel, 3 lakhs on Amex MRCC n many more

@varatharajandhamotharan1511 5 ай бұрын

😂😂 he is credit card ambani

@abhishekalva7475 6 ай бұрын

one thing credit cards are doing certainy is they make you spend more and if you feel that you're saving money by spending more (which is what this guy is doing) you need to think it through. But as a beginner you can get the cashback cards and turn most of your spends like bill, or any purchases that you can make through credit cards you'll save 1-2% money. But problem with other type of cards is that they'll make you spend more and unnecessarily since you've to redeem those points to make you feel like you've "Saved" some money but you usually end up making other expenses or purchases which you wouldn't have done normally(like cost of fancy dinner, and other purchases which add up fast). So saving or returns of 7-8% is just a myth and not the complete picture if you analyze the scenario properly as you know credit card companies are there to make money not to give.

@pscraft1337 6 ай бұрын

Like how do you know he spending on things that he wast going to spend in cash?

@abhishekalva7475 6 ай бұрын

@@pscraft1337 that's what credit cards would make you do this is common knowledge and I felt this personally as well. given 2 option of same thing one you've to pay cash and is cheaper and another available on credit card but bit costly you tend to choose the latter. This is the same theory based on which credit card companies believe in and encouraging people to get credit card.

@rohanbisht7987 6 ай бұрын

nice pov

@iamjayprakash 4 ай бұрын

It definitely does. People do or not depend on peoples self control. But it definitely lure people to spend more

@computerscienceresearch 4 ай бұрын

True many people spend more to just wave of annual fees of 500. And come in debt trap. Block Bank number

@yogeshkatariya3066 6 ай бұрын

I only own SBI simply save and getting mostly all OTT subscriptions for year on spending of 2-3 Lac/year. I don’t want more than this. Be minimalist.

@kshitijvengurlekar1192 6 ай бұрын

Please elaborate more on this Card and how are you saving on OTTs

@anushkashankar1919 2 ай бұрын

so true w minimalist topic!

@nitishasthana03 6 ай бұрын

Bro is a credit card GPT. 😂

@ghostrider160492 6 ай бұрын

Neeraj - you got it wrong in multiple videos about Amex Platinum Travel. Platinum Travel annual fees is 5k, and you need to spend 1.9L to get 15k points and 4L to get additional 25k points and a 10k Taj voucher. How do you expect a 5L annual salary earner to spend 4L via Credit card? That’s impossible. Platinum Travel is for someone earning 15-20 Lacs. Even AMEX MRCC would be a best suited card for someone earning 8-10L rupees. Only card needed for someone earning 5L per annum (40K per month) - No credit card. Credit cards put you at a risk of easy/ mindless spending in hope of reward points/ benefits. Someone with this kind of earnings, should just focus on savings and little disciplined investment as much as possible.

@Harshvardhan_Tiwari 6 ай бұрын

Absolutely right!

@pscraft1337 6 ай бұрын

lol I have friends earning 6LPA uisng amex to invest in NPS and making about 9% return in first year. Also AMEX is only cc company that gives you rewards for govt transaction. You have to know how to exploit. AMEX MRCC gives you joining bonus of 5K points, then every month additional 1k points if you spend 1.5k 4 times. Paying bills, insurance etc you can save a lot. And someone with bad habits can ruin themselves with 1CR income and one basic credit card. lol

@flatman91 6 ай бұрын

I think he said spend of 5L and not income of 5L. I just rewatched and confirmed. I could be wrong though

@ABGT 6 ай бұрын

Not salary of 5L but spending of 5L

@hockeyjss98 6 ай бұрын

Lol 😂 do you think one will get approval for amex card with 5LPA ? Come on yaar kuch bhi

@umanggupta6561 6 ай бұрын

He's doing all calculations in his mind 😮 Mind blowing memory!!

@kev7815 6 ай бұрын

Gosh his family average spending itself is 30-40 lakhs a year and here majority of the people in our country working in corporates are not even making 1/4th of that as Income in a year

@shivangisingh633 6 ай бұрын

They don't need credit card.. They need to upskill and earn more

@Charandeepkapoor 22 күн бұрын

skill issue

@videosofinterest 5 ай бұрын

Wow. This is insane! I won't be surprised if HDFC and ICICI are trying to hire him already, to head their CC marketing!

@Jotpreet 6 ай бұрын

Absolute goldmine content guys! Loving these vids. Would want to feature in one of them someday xD

@faraz1604 6 ай бұрын

I have got SBI cashback credit card for 5% rewards online and 1% offline, sadly it don't offer lounge or that 10% discount during sales (like BBD, Puja sale). 2nd I have is Axis kiwi rupay credit card for UPI payment at small shop. 3rd I have is Amazon pay ICICI card for recharge and bill payments. 2% return. 4th is HDFC card which I hardly ever use, keeping it just to get 10% discount during sales probably. So all cards are lifetime free ( only SBI cashback has annual fees of 999+gst = 1189 rupees ).

@JagathPrasanna 6 ай бұрын

How do you get 2% return on Amazon Pay ICICI card for bill payments?

@saiphaneeshk.h.5482 6 ай бұрын

@JagathPrasanna monthly it'll be added as amazon pay balance to your anazon account.

@piyushpithava8540 6 ай бұрын

how to get Axis Kiwi upi card ?

@_GMP_ 6 ай бұрын

For insurance payment does Amazon pay ICICI CC offer any cashback?

@Saurabhvs 6 ай бұрын

Why 10% discount not in ecomm sales. I think this year great Amazon festival SBI was main card with incremental offers. Is cashback not allowed under normal category of 10%

@yaqooty2k 5 ай бұрын

Very informative video. I was thinking of how to best utilise my credit card spends. This video gave me the learning that travel rewards give the max roi

@ManishKumar-sp3ow 6 ай бұрын

He Is overrated i feel we should not forget the spending limit for him will eventually high mentally so which is leads to high spending of money .Which could have been saved . (The unnecessary expenditure )

@harishrajendran6163 6 ай бұрын

Exactly!!!! You are right!!!

@Chethanhr1 6 ай бұрын

You are wrong. I have 5 credit cards which come with a high credit limit. But I never spend for unnecessary things. You should have control over your finances. Also, I get multiple offers and cashback with the credit cards.

@anubhavjana2989 6 ай бұрын

I have a credit card with 4.8L credit limit. I rarely spend above 5k

@ashishkrishnapandey 6 ай бұрын

I dont think you know what overrated means

@shivangisingh633 6 ай бұрын

People who forget spending limit, Theirs or their credit card's, should anyways not be eligible to own money, leave credit cards. He is too intelligent to use all credit cards to his benefit.. He has understood his spends and the categories on which he spends, and is using cards wisely to get benefits.. You can't really punish him for having money and spending wisely

@rupindersayal 5 ай бұрын

Valuable insights; Thank you for sharing.

@arvindp9409 5 ай бұрын

This video doesn't add any value to middle class person, waste of time for them. Summary of this video is 1. spend more on credit cards and get rewarded with points or cashback 2. Apply different credit cards for different needs 3. Use the reward points earned to feel the luxurious wibe by staying in luxurious hotel or traveling in business flights

@drjitendravs 6 ай бұрын

Wow! bro he is supercool and absolutely clear about his credit cards. Gem recommendations.

@WintWealthYT 6 ай бұрын

Yes indeed!

@artoflifesurya4206 6 ай бұрын

He can start a credit card rental service for sure

@CollinDavis 6 ай бұрын

I who never plan to own a credit card but still watching the video out of curiosity.

@anushkashankar1919 2 ай бұрын

forced. to watch

@ridamnibjia 6 ай бұрын

also any bank or card discount discount whenever he purchases he can get that extra off as well, he must be having all the cards where the offers would be there.

@arslaan2001 6 ай бұрын

Ultimately people spend more just to get more rewards and cashback, it is cycle people thinking they're winning but banks are the winner

@lakshmitejas1685 5 ай бұрын

No dear those expenses you do with upi do with cc. Choose right cc for your expense life style

@computerscienceresearch 4 ай бұрын

I usually buy from small shops and support small owner of India who pay taxes not big companies who don't pay and take money out

@utsabbanerjee7577 6 ай бұрын

Not really aligned with this philosophy, especially for folks starting out. If you were just making a spend to optimise on credit card benefits, it's not always good. Say you have 10000 points and you are able to get a value of 50000 rs(own cash of 5k for necessary spends) with it(you normally stay at a 10k hotel). In another scenario you get a 10k flight with the 10k points which you have otherwise spent in cash. Which do you feel is a better deal.

@suhagmaru 6 ай бұрын

Perfect thing.. this credit guys have spoiled others mindset

@sabyasachideKol 6 ай бұрын

I have 10 CCs. 1. ICICI AMZ 2.FK Axis 3.Amex Pt Travel 4. SBI BPCL 5. HDFC Cashback 6.Indus Legend 7.HSBC plat 8.AU LT 9. RBL Plat 10. IDFC wow. I have closed city reward ,yes bank cc ,SC plat and SBI simply save recently

@atuljaishyam4261 5 ай бұрын

Does having around 10 credit cards mean you'll have to pay higher ITR?

@rishis90 5 ай бұрын

I have 26 and counting -

@prejithp7173 5 ай бұрын

@@atuljaishyam4261 not even related, no

@abhiruproy4438 4 ай бұрын

No@@atuljaishyam4261

@thenaughtyanil 6 ай бұрын

Sab moh maya h. Basically use any card wisely. Now with social media influence, people tends to spend too much. At the end these spending are converted into emi and thats how these card company earns. With every app comming with their own card tied up with some to save transaction charges. Just keep some cards to buy anything as oer usage. Dont get into trap of rewards point wagarh .

@abhishekhebbar1911 Ай бұрын

This guy has a Ph.D degree in credit card management 🙏🙏🙏🙏

@MarkRyanNZ 6 ай бұрын

A great example of Hypercalculia

@karthikkumarm9954 6 ай бұрын

Clearly explained and the questions r very specific & upto the point. Bcos of time constraints they have edited a lot i guess. How he pay the bills on due date.? Just curious. Any apps other than cred.? Over all an excellent eye opener regarding credit card.

@user-ty7bu1qi4s 3 ай бұрын

VERY INFORMETIVE VIDEO

@SomeRandomDude2007 6 ай бұрын

credit card master class.

@kiranlvs3677 Ай бұрын

Very helpful video and informative. Credit cards are beneficial provided you spend wisely. Spend whatever you are spending on, but use credit card as a medium, just to earn rewards. Ultimate motive should be to earn from your actual spending. Never get greedy for lucrative offers and end up overspending.

@saurabhkesharwani6143 3 ай бұрын

He's done his Master's in Card Administration! ☺️

@bhabagrahibishi6183 6 ай бұрын

sbi cash back card is the only most beneficial card for most of the public in our country

@maskson7428 6 ай бұрын

If my limit is 5L/15L, are you suggesting to use entirely to claim suchs benefits??

@sumeetkaul9427 6 ай бұрын

Bhai sirf 2 hi card ache hain ICICI Amazon Pay and HDFC Infinia. Baaki variety and offers ke lye ek Rupey aur Amex Gold charge rakh sakte ho. Unfiltered advice !

@saurabhkesharwani6143 3 ай бұрын

👍🏼 Is ICICI Amazon Pay good for travel purpose? Does it have access to Airport Lounges? Domestic/ International?

@SD_003 4 ай бұрын

This video was the reason I started looking at premium credit cards and today I’m getting an infinia metal. My RM says I was eligible for it since 2019/20 . Feels like I lost a lot because of lesser knowledge Thanks Wint Wealth 😊

@desiredditor Ай бұрын

godawful video for petrol i use iocl card for grocery I use tata neu , for lounge access I get many cards which are ltf

@nagarajubandi3131 6 ай бұрын

Very nice information. Can you please discuss investment in windwealth platform for investment for very small investor

@abhi-gk7 6 ай бұрын

Value packed conversation. Great work, Wint Wealth!!!

@WintWealthYT 6 ай бұрын

Glad you enjoyed it!

@khwaab4284 6 ай бұрын

Instead of spending lakhs via credit cards in exchange of reward points, he could have just invested that discretionary amount and get a decent return and spend on a holiday..so everything is perspective i guess..moreover, he doesn't talk about airport lounges which is a big plus of credit cards

@sportstours24 6 ай бұрын

Lifestyle is important too. I used to save everything. Bad idea.

@manankhurana6161 6 ай бұрын

Someone who spends 40 lakh in a year will have a luxurious holiday in 2.8 lakhs what a joke.

@ashonvills 3 күн бұрын

He said 40 lakhs for whole family... Someone who can't read or understand statements properly shouldn't be making fun of anyone 😂

@baaatli 6 ай бұрын

To enlighten the other side of the story, I am not sure what worth would a $2500 vacation add to my life. Call it old-school, but this is just showing off life that you can't afford. Reward points and credit is good but making return on expenses doesn't make sense if your expenses aren't in control first.

@lakshmitejas1685 5 ай бұрын

If 2500$ is just 1% of income then that's not showoff

@kirubakaran9736 Ай бұрын

What worth is 2500$ in your account? Just travel visit places and enjoy life, we dont know if tomorrow is our last day on earth!

@ImVedanshAgarwal 3 ай бұрын

Focus on making more money so that you don't have to go through all of this !

@investmentopportunity904 6 ай бұрын

Jitna inka cashback hai utni meri salary hai 😐

@piyushpithava8540 6 ай бұрын

meri usse bhi kam 😂🥲

@lakshmitejas1685 5 ай бұрын

Per day?

@Charandeepkapoor 22 күн бұрын

skill issue

@TheArpitkoberoi 6 ай бұрын

I think you should also factor in the cost of your time to keep up with deals, points and all this BS

@lakshmitejas1685 5 ай бұрын

😅

@saurabhkesharwani6143 3 ай бұрын

A utility has become an occupation! ☺️

@saulgoodman980 6 ай бұрын

Really good and unique video

@WintWealthYT 6 ай бұрын

Thanks a lot

@kirans2300 12 күн бұрын

best cards for middle class are amazon icici card, hdfc tata cards and swiggy card. close the chapter

@mansaniroshan7536 6 ай бұрын

Bro..where is the list of forums he was talking about?

@RiSo1988 6 ай бұрын

That Accord points deal is discontinued this Nov if I am not wrong

@dhruvendrabhatnagar8897 Ай бұрын

Hi, I have multiple metal cards. I have a story about the Heritage metal card of Indusind that I want to share. How can i do that?

@RibhuChawla 4 ай бұрын

I want to explore benefits but am still not convinced to bring this much cognitive load of thinking what card to use when and what rewards and offers to track. I want a single card that does it all, and a concierge/ai to hunt and personalised rewards for me. This should be a 5mins per month excercise max.

@saurabhkesharwani6143 3 ай бұрын

Yes! 👍🏼 The card should be a utility, and not an occupation! ☺️

@dgr8oneme 6 ай бұрын

He mentioned ICICI Amazon card (3%) but didn't mention Flipkart Axis card which is 5% on Flipkart, 4% on Swiggy and Ola, and 1.5% on everything else

@tanveerahmed93 6 ай бұрын

I think it’s because icici amazon card is free for life where as axis flipkart is not

@kirubakaran9736 Ай бұрын

Flipkart card got devalued only 1% on offline spends now

@ek_virus 6 ай бұрын

I can't stop laughing after watching Regalia's return 🤣🤣🤣

@lakshmitejas1685 5 ай бұрын

Understand you need to have 5-6L per month expense. Else just have 1 card with good cashback. Have 5L income per year

@saurabhkesharwani6143 3 ай бұрын

Hey! You seems to know! Can you tell, if you may, among which credit cards should I choose from just for travel purpose (incl. Airport Lounge access), Domestic and International, whenever I do? What are good options?

@testserver3470 6 ай бұрын

What you have done with axis magnus

@sanchitkalra1688 6 ай бұрын

How to use credit card for p2p?

@navs432 5 ай бұрын

The Best thing is to have and use a Debit card and tear up any and all credit cards. This is to make sure we do not spend money we do not have.😀

@computerscienceresearch 4 ай бұрын

I would invest my brain in earning more instead. I deny banks for giving me cards. They keep calling me😂😂😂. My brother got trapped badly though he was serious in spending.

@yatin1370 6 ай бұрын

If you use X amount and pay back X every month then credit card is good. In a normal salaried lifesytle air travel and hotels (for leisure) are not common. Sometimes a sale does offer cashback for certain bank CC, that's also helpful to have. If you can pay the total that is due every month, CC is a boon. If you start living by paying 'minimum anount due', it's a curse because you pay hefty interest next month on remaining amount and so on. Also in some medical emergencies CC is useful. Don't get CC for lounges and avoidable/not-necessity spends. No one will waive your spent limit amout. Don't see it as a free money, it's on credit. You need to pay it one day anyhow.

@saurabhkesharwani6143 3 ай бұрын

👍🏼

@sanjanind 6 ай бұрын

I have also around 15 credit card including all my family members, and i manager all cards. Only 4-5 cards have yearly charges. I do all upi payment also with credit, never use debit and sometimes use bank upi. On average i get 6% as back to my account in cash for 90% of my spend.

@Ratnanjaysarvate 6 ай бұрын

I have a question - on what things he is spending 40lakhs. In order to get those 2-3 lakhs return. Like is he spending that amount on travel or for everything from household stuff(food, clothes, electricity and all) to buying accessories.?

@lakshmitejas1685 5 ай бұрын

He buys a keyboard costing 20k. Smart watch 80k. Shoe 50k. He has queries choosing those on twitter. This video is for people who are above middle class line AML.

@ashisnayak7448 6 ай бұрын

Gold standard content!

@Rohitadsur 3 ай бұрын

Bhai hey video dekh ke utilize karne keliye aur 10-20 years wait karna padega ☠️🫠shiot

@jagadeeshr91 6 ай бұрын

Wont be there any problem if you spend more than 10 lakhs through credit catds? I mean, in view of income tax also?

@rickpal7698 6 ай бұрын

Yes this guy must fill the ITR OF higher range

@Farmerjo007 6 ай бұрын

First of I don't know why people think spending money will lead to a problem with the IT department, yes they'll probably send you a notice all you have to do is send a reply stating your sources it is not complicated. If you have legitimate sources on income you don't have to worry about a thing.

@lakshmitejas1685 5 ай бұрын

He is a financial adviser expert. He won't be evading tax to get headache like that basic stuff

@akashcruize9986 5 ай бұрын

He should spend maintaince charge n he should keep in mind to payback intereste and just to use this cards we have to spend like that i looks like

@shauryadhadwal6031 6 ай бұрын

Lol, they removed the video while I was halfway through, made me sad. Looks like it is back now with infographics.

@dilipbhardwaj5391 19 күн бұрын

where to buy accor points

@Mr767267 Ай бұрын

Good video...in first 5 seconds I could stop and move on.

@montu0603 6 ай бұрын

Annual expenses upto 5 Lac - Amazon ICICI I feel the rest is all irrelevant and misleading. 😅

@kirubakaran9736 Ай бұрын

Sbi cashback is better than amazon icici

@NSP7891 11 күн бұрын

At what point do you stop & ask yourself, "do I have a problem?" ?

@AyushKumar-fg4uy 6 ай бұрын

never knew credit card nerds existed :) not a bad thing tho

@tejassatpute5920 6 ай бұрын

Equipment ?

@adityapatel8701 6 ай бұрын

Just remember one thing, Nothing in the world comes for free. And smart banks certainly aren’t going to offer anything for free.

@SupratimDebnath 6 ай бұрын

Who all here are missing the golden days of Magnus?

@tejaswarambhe7464 6 ай бұрын

Ahh after devaluation, many people closed it..

@LakshyaSangwani 6 ай бұрын

*wink wink*

@SupratimDebnath 6 ай бұрын

@@LakshyaSangwani 😎

@hdali1 6 ай бұрын

Where are you guys migrating to?

@LakshyaSangwani 6 ай бұрын

@@hdali1 hdfc classic debit card

@AneeshChowdhury 4 ай бұрын

these hacks i have been using since 2015 and gathered more than 2L points. But he is not calculating the fees on those cards.

@prasadjoshi0703 6 ай бұрын

Didn’t make any sense to spend more to get smthng free

@shokiyapratik 6 ай бұрын

Watching wint videos let's me know how rich people are there in this country 😭

@yourstrulypranav 6 ай бұрын

Very true. 😭😭

@WintWealthYT 6 ай бұрын

Hey folks! If you would also like to get featured in one of our videos then do fill out this casting form. docs.google.com/forms/d/1gqY3qcqD0rP70uvpyAZvMqvtemtroph-O_BNFiyXyiM/edit

@Dev.Naliapara 6 ай бұрын

Seems like bro dreams about credit cards!

@jimitm2000 5 ай бұрын

Did you guys accidentally showed Niraj's credit card information?

@DrAkashraj 6 ай бұрын

The only credit card that makes absolute sense is the cashback category, rest is moh maya, bhagna hain toh bhago 😅

@robindabank12 6 ай бұрын

Depends bhai. Kisi ko har mahina flight lena ho ya hotel book karna ho to? To cc apne jarurat ke hisaab se hi Lena chahiye. LTF card hi to alag baat hai.

@garrydhamot8531 2 ай бұрын

It’s all about if you were already going to spend that money on those things before you had all those cards. Spending on basic necessities and things you used to spend is okay but when you start spending on things you wouldn't normally just to create that false illusion that you are saving money is just so wrong.