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

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

[@WintWealthYT]

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]

Great

[@jpsworld108]

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

[@shubhamb6131]

Great

[@Happysoul_3]

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]

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]

You mean to say...High Net worth?

[@computerscienceresearch]

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

[@AkashTopder]

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

[@direcolasal]

Net worth! 😂

[@Rainson_Entrepreneur]

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

[@hridDH]

😂 magician : pulls more cards out of his sleeves.

[@prafulc5071]

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

[@HiDibakar]

Same 😂

[@piyushpithava8540]

we 30 to 40 thousand in a Year...

[@shubhammanjalkar8591]

Samee😂

[@shubhammanjalkar8591]

​@@piyushpithava8540ya maximum 😂.

[@lakshmi1994-d4t]

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

[@nitishasthana03]

Bro is a credit card GPT. 😂

[@JK-fp1ou]

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

[@JEE2025-mz8jl]

matlab phelal aap berozgar ho

[@JK-fp1ou]

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

[@Kajal_Saha]

​@@JEE2025-mz8jl😅😅😅

[@idkmax5977]

hahaha , idiot

[@SanjeevM-hv4gu]

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]

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]

100% correct

[@soloqVenu]

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]

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

[@MrAnmoltiwari]

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

[@sanjay_singh]

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

[@Riftking3rd]

Please can u give me one referral

[@ravishrathee]

Why you closing this card

[@aayushjain1845]

​@@Riftking3rd: I can give you referral if you want?

[@computerscienceresearch]

​@@Riftking3rdit's fees is 70k

[@vasanthpragash854]

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

[@ManishKumar-sp3ow]

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]

Exactly!!!! You are right!!!

[@Chethanhr1]

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.

[@jana.anubhav]

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

[@ashishkrishnapandey]

I dont think you know what overrated means

[@shivangisingh633]

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

[@abhishekalva7475]

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]

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

[@abhishekalva7475]

@@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]

nice pov

[@iamjayprakash]

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

[@computerscienceresearch]

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

[@adhirajw]

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

[@F16Raashah]

how much renewal charges you pay?

[@TheArpitkoberoi]

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

[@lakshmi1994-d4t]

😅

[@saurabhkesharwani6143]

A utility has become an occupation! ☺️

[@kev7815]

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]

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

[@Charandeepkapoor]

skill issue

[@videosofinterest]

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

[@i.m.salvation]

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.

[@MeghaMehta-i1d]

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

[@i.m.salvation]

Thanks Megha for the info

[@kumar_-_vlogs]

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]

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]

​@@tejasghongadiwhat card do you use?

[@utsabbanerjee7577]

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]

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

[@handsomerob2509]

@@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

[@investmentopportunity904]

Jitna inka cashback hai utni meri salary hai 😐

[@piyushpithava8540]

meri usse bhi kam 😂🥲

[@lakshmi1994-d4t]

Per day?

[@Charandeepkapoor]

skill issue

[@sumeetkaul9427]

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]

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

[@NandhakumarN-g6t]

I have 42 credit cards

[@artoflifesurya4206]

He can start a credit card rental service for sure

[@abhishekhebbar1911]

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

[@MeghaMehta-i1d]

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]

😂😂 he is credit card ambani

[@Jotpreet]

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

[@yogeshkatariya3066]

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]

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

[@anushkashankar1919]

so true w minimalist topic!

[@andikatjacobdennis]

Credit card has many hidden rules and traps. Focus on making ‘more money instead of just saving.

[@MarkRyanNZ]

A great example of Hypercalculia

[@ek_virus]

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

[@umanggupta6561]

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

[@arslaan2001]

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

[@lakshmi1994-d4t]

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

[@Dev.Naliapara]

Seems like bro dreams about credit cards!

[@uchun]

This guy has no clue.

[@shauryadhadwal6031]

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

[@ghostrider160492]

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]

Absolutely right!

[@pscraft1337]

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]

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

[@ABGT]

Not salary of 5L but spending of 5L

[@hockeyjss98]

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

[@vishalprakash1971]

Can anyone please refer me for american express smart earn card?

[@funtimes004]

Please check my Channel description for all the AMEX cards referral links 😊

[@ImVedanshAgarwal]

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

[@computerscienceresearch]

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.

[@linustorvalds1549]

Wtf is Consierge, seems like real life Better Call Saul 😭

[@tejaswarambhe7464]

Yeah lol, It legit has helped people, I have seen threads on reddit where concierge were a lifesaver during international trips

[@Soyammotovlogs]

pehle batao ye hai kon

[@saurabhkesharwani6143]

Me too! 😀 👍🏼

[@thar4x4]

Who the hell are these 2 guys ? No introduction, what an abrupt start . Amateur youtubers.

[@saurabhkesharwani6143]

I felt the same! 😀 You feel an Alien from another world, watching this video. ☺️

[@drjitendravs]

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

[@WintWealthYT]

Yes indeed!

[@bhabagrahibishi6183]

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

[@CollinDavis]

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

[@anushkashankar1919]

forced. to watch

[@prasadjoshi0703]

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

[@yaqooty2k]

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

[@baaatli]

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.

[@lakshmi1994-d4t]

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

[@kirubakaran9736]

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!

[@WintWealthYT]

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

[@shokiyapratik]

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

[@yourstrulypranav]

Very true. 😭😭

[@nagarajubandi3131]

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

[@entropy7571]

I hope people realise that these cards should be used only to capitalise on your spending habits. If your spending increases because of a credit card, you're doing it wrong. Basically, you should only have an expensive card if you would live an expensive lifestyle regardless of whether you own the card or not.

[@SupratimDebnath]

Who all here are missing the golden days of Magnus?

[@tejaswarambhe7464]

Ahh after devaluation, many people closed it..

[@LakshyaSangwani]

*wink wink*

[@SupratimDebnath]

@@LakshyaSangwani 😎

[@hdali1]

Where are you guys migrating to?

[@LakshyaSangwani]

@@hdali1 hdfc classic debit card

[@shivamdixit4236]

Wint is so amazing even day save and invest in market , odd day spend 30 L and travel using credit cards 😂😂

[@abhisheksharma1700]

No point after listening to point stated at 2:11. 😅😅😅

[@abhisheksharma1700]

Just kidding .. still he is sharing a good knowledge 😊

[@yatin1370]

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]

👍🏼

[@Rimo2203]

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

[@kirubakaran9736]

Sbi cashback is better than amazon icici

[@AneeshChowdhury]

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

[@sufisakib8962]

its very subjective video . do not learn or try to apply anything from it. context will be very different for everyone every time.

[@RibhuChawla]

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]

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

[@adityasharma2]

That style of living is not for me. When he said "we plan our holiday keeping in mind properties where we can get best benefits", I felt sad for him. You can't plan everything around money. Surely that excludes so many options for vacations. But I guess this man is only trying to go and chill at 5-star resorts. Maybe that's all a vacation means to him.

[@Satyam.Mishra.333]

Is video ko dekhne ke baad aisa gareebo wala feeling aa raha mere ko

[@adityabhardwaj9776]

😂

[@mahipdeva3543]

WHY MAGNUS GOT DEVALUED! So badly looking for a replacement card against this :(

[@geereesh77]

Axis Atlas (next best option), Axis Vistara Infinite (if you live in major city), HDFC Regalia (if you are eligible), ICICI Emeralde Private Metal Credit Card (invite only, but check with RM if you have ICICI WM account), AMEX Platinum Travel (for spends up to INR 4 lacs), AMEX Platinum Charge (if you can afford).

[@arvindp9409]

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

[@VforVikramm]

I don't want holiday, give me a mobile phone or something that's valuaby

[@arslaan2001]

Are all the cards in his hand dummies ? 😂

[@lakshmi1994-d4t]

His target is 52 cards

[@khwaab4284]

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]

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

[@abhijeetkaushal1343]

Kitna sb yaad rkhe yr? Kis card pe kaha se kya benefit mil rha hai, yahi sb krte rhe ge kya? Increase income, get 1 good card and use it for all things !

[@deeperthoughtss]

The video ended for me at "I spend 30-40L anually"

[@DrAkashraj]

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

[@robindabank12]

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.

[@pavanlj123]

So he mentions that he will travel to the property which honours the most points, so your vacation is dependent on the property and not your place of liking.

[@rohanzala2194]

Video is adding values. Thank You for this video ☺️

[@You_tube-o3t]

Yeh kya bakchodi hai tho video is only HNI or .001 percent of india

[@adityapatel8701]

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

[@lakshmi1994-d4t]

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

[@saurabhkesharwani6143]

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?

[@SD_003]

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 😊

[@manankhurana6161]

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

[@ashonvills]

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

[@thenaughtyanil]

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 .

[@navs432]

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.😀

[@varatharajandhamotharan1511]

what is priority checkin and priority baggage????

[@saurabhkesharwani6143]

When you go to an Airport, to travel, first you have to do a Check-In, after entering. Which is basically a reporting that you have arrived, submit your luggage and get your boarding pass. And under priority check-in you will be given a priority for all this process. Priority over other non-priority passengers. Saving your time and you from crowd.

[@dondraper4816]

Holy shit! The poor fellow is trying to hide his credit card numbers with his fingers and you guys are openly showing his credit card number, expiry date, issue date in screenshots in the video!

[@nishantprasad]

Those are fake numbers of graphics - all are same and stock numbers. :)

[@sabyasachideKol]

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]

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

[@rishis90]

I have 26 and counting -

[@prejithp7173]

​@@atuljaishyam4261 not even related, no

[@abhiruproy4438]

No​@@atuljaishyam4261

[@abhishekdas4592]

This guy is totally out of his mind! 5 lakh expenditure is the starting category for him!! My family annual income is lower than that. The video title is also misleading, it should have been 'best credit card for riches'.

[@lakshmi1994-d4t]

Yup

[@adarshbinjola4069]

For these cards he need purse instead of wallet

[@sumatejakonge5309]

Someone tell me on what exactly he spends huge amounts

[@lakshmi1994-d4t]

1 trip to usa Costs 10L

[@prathamvnk]

Misleading advise, he is encouraging to spend on credit, what about credit score impact , what about debt trap😢

[@lakshmi1994-d4t]

Hello dear he didn't say spend more than what you do with debit card. Use cc like debit card. You will have advantage. You need to keep that money aside that you spend and pay a day before bill date. So your credit score will be not affected

[@abh-77]

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

[@WintWealthYT]

Glad you enjoyed it!

[@saurabhkesharwani6143]

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

[@socialyatra8157]

I started working and my salary is 15k Should I buy a credit card?

[@ishanmahajan2125]

Can we consider card limit as emergency fund ?

[@Gaurav._Here]

Yeah can be done but always try to save for some emergency fund 😊

[@abhishekvijay902]

No

[@kumarsaurav307]

No, how will you pay it back after 45 days cycle. Easiest way to get into a debt trap

[@ismail8973]

Better to have an emergency fund. if you have, then you can use credit card to pay and close it using emergency fund.

[@lakshmi1994-d4t]

Yeah if you have not easily liquidiable emergency fund. Like 10 days

[@Faraz-cse]

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]

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

[@saiphaneeshk.h.5482]

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

[@piyushpithava8540]

how to get Axis Kiwi upi card ?

[@_GMP_]

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

[@Saurabhvs]

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%

[@Subham_Singh_555]

You should have Targeted the users with spending below 1-2 lac... This video is for rich people only.

[@DhawalGupta-x7r]

amount of money he spends on hotels he can buy a new house

[@lakshmi1994-d4t]

He stays in his parents house and he doesn't thinks buying new house is worth. That's dead investment. He will buy 40L ka house? It will be for sure 10cr😂

[@saurabhkesharwani6143]

@@lakshmi1994-d4t you seems to know him personally, or are you from Wint Wealth? May I ask you for you to introduce yourself? I'd curious! ☺️

[@Ratnanjaysarvate]

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.?

[@lakshmi1994-d4t]

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.

[@annie4621]

Bhai the way both are talking feels like It's very common for Indians to earn 1 Cr / year

[@lakshmi1994-d4t]

Finally someone told

[@saurabhkesharwani6143]

@@lakshmi1994-d4t You mean it's easy for all! 🤔

[@selfimprovement4637]

If u don't spend 40L a year stop watching this videos. Save your time.

[@sanchitkalra1688]

List toh daaldo

[@gunalans4858]

Ultimately you get addicted towards this useless rewards and cashbacks and start spending on useless things using your credit card.😂😂

[@PrithviRajExplores]

If that's what you think, you better stay away from it for your own good.

[@pscraft1337]

only if you naive and irresponsible.

[@shouryasinha7108]

Thats the average indian attitude. Pennywise, pound foolish. You'd have some credit card that gives you 10-100rs cashback and think its very effective and be very happy but give 20k-40k for flight tickets without making any savings. For saving on expensive stuff there is credit card.

[@shobhitgarg5707]

Nyc efforts 👌

[@warriorx86]

Unless u are very highly disciplined with your money spent.. don't get multiple credit cards.

[@tejassatpute5920]

Equipment ?

[@sumeruduttabanik7150]

Don't follow

[@SomeRandomDude2007]

credit card master class.