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

Here is what the shareholder perk looks like right now:

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

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

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

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

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

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

Has anyone used this or something similar?

I just bought the Urban Company Native M2 Pro on Flipkart. I stacked a ₹1,750 HDFC bank discount with the card’s 5% cashback (₹833). Getting a premium smart RO for an effective price of \~₹15.6k with zero annual fees is a massive win.

​Most people forget this card gives 5% back on Amazon and Flipkart, not just Swiggy. If you have it as LTF, definitely keep it for these big-ticket online purchases!

Post

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

How the trick works:

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

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

Top Cards Rewards Table:

Apply links for these cards:

• HSBC Live+ Card
• Equitas Selfie Card
• SBI Cashback

Steps to follow:

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

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

Multiple people have reportedly converted their FYF cards to LTF.

Steps to convert your card to LTF:

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

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

3️⃣ Be persistent and follow up if needed.

Helps in saving unnecessary fees.

Has anyone else tried / planning to try this?

I have been using the Amazon Pay ICICI card but realised there are better alternatives.

Which is your go to card?

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

How to earn the Gold quickly

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

I recently got a 0.5g Tanishq Gold Coin (priced at ₹6,990) just by redeeming points I earned from my regular BigBasket and Zomato spends through Tata Neu Infinity card.

How to redeem

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

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

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

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

Source: Directly from HDFC's website

Miss those days when Infinia/DCB were given like candy in Covid.

Just got back from Thailand trip. We walked through e-gates and were done in seconds vs the previous experience of 45 mins wait.

We registered for FTI-TTP (Fast Track Immigration - Trusted Traveller Program) a couple weeks before the trip. It's for Indian citizens/OCI with clean records. Here's how:

Registration Steps

1. Visit official site: http://ftittp.mha.gov.in
2. Click register, fill in name, passport details, contact info. Passport needs 6+ months validity.
3. Upload your passport photo + scans of first and last pages (plus any other docs they ask).
4. Verify with OTP on phone and email. Get confirmation right away.
5. Schedule biometrics – fingerprints and face scan.
   • Easiest: FRRO office in your city
   • Or next time you're at a participating airport on departure

Approval came through in a week. Once approved, it's valid up to 10 years or passport expiry.

How It Works at the Airport

After check-in (departure or arrival):

• Find e-gates next to normal immigration counters (Delhi T3 has them).
• Scan passport + boarding pass on first machine.
• Biometrics on the next (face/fingerprint).
• Green light, barrier opens, you're through. No talking to officers.

Anyone else using this? Which airports have the smoothest e-gates?

Check your Amazon Pay app.

Amazon is running 'Add Money' offer for various cards. They will refund the convenience fees.

You keep the Card Rewards.

Amazon Wallet Balance can be transferred to any UPI.

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

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

Which is your choice for fuel expenses?

From 5% cashback to 30 reward points per Rs. 150 spent - many cards offer significant value on daily essentials.

I personally use Axis Cashback card.

Which is your top choice?

During the BlinkDeal6 sale on Myntra (April 11th and 12th, 2026) I made purchases totaling 46,482rs using my SBI Flipkart Credit Card.

As per the card benefits, Myntra transactions are supposed to get 7.5% cashback. But after my May 1 statement got generated, I received only ₹465 cashback (~1%).

I contacted SBI Card customer care, and the agent said cashback depends on the MCC (Merchant Category Code). The MCC for my transaction is 5699 “Apparel and Accessory Shops - Miscellaneous” which is not excluded from the eligible cashback categories.

What’s confusing is:

Transaction was directly on Myntra
MCC seems valid
Offer should have been eligible
But cashback posted only as regular 1%

One thing to note: I used the “Scan & Pay” payment method inside Myntra during the sale. Not sure if that changed the MCC routing or cashback eligibility internally.

Wanted to check:

Has anyone else used SBI Flipkart Card via Scan & Pay on Myntra?
Did you receive full 7.5% cashback or only 1%?
Any idea if Scan & Pay transactions are being treated differently?

Go through all the images for better idea.

Redemption rate of jewel has been changed significantly.

Changes will take place from June 1st.