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Vineeth K Profile picture
@DealsDhamaka
Mar 1, 2022 • 10 tweets • 7 min read • Read on X
Scrolly
How did I save from my spending??? 🧵

I used some FinTech apps and credit cards and saved good amounts from my spending

A small thread on the Top Apps I liked & Savings.

Feel free to RT 🙏🙏

NOTE - I use my credit cards as debit cards & pay instantly

#Finance #Shopping
1 - CRED

Cred has been my companion for all the credit card payments for the past 4 years

Got around 1% cashback just by paying credit card bills

New users can sign up now below & get Rs.250 instant cashback on the first payment of min Rs.100

Sign up
app.cred.club/spQx/f5925dc3
2 - Amazon + ICICI Card

I have been using this with Amazon Prime account for all my purchases.

With 5% cashback + special offers on Amazon (FLAT 50 on 500 using UPI, etc.) the savings over last 2 years were amazing 👏

#Amazon
3 - Slice Card

Only 1 month since I started, the experience has been so far very rewarding.

Special offers & extra cashback on online shopping and points for insurance spends

Signup using below link to get 300 cashback

Code - GROOT328568

links.sliceit.com/invite?rc=GROO…

#saving
4 - Paytm

Used Paytm for 80% of my UPI transactions and bill payments

Although not great, it has been decent till date
5 - Key credit cards without annual fee

American Express Gold Charge & Credit Card - Basic cards with high rewarding value (Amex stopped issuing new cards in India now)

Citi Indian Oil card - Best for fuel spends in Tier 1 cities

#creditcard
6 - TimesPrime for Subscriptions (OTT and more)

One stop solution for most of my subscription needs

Zee5, SonyLiv, Pharmeasy, ETPrime, Audible, Mubi, Discovery+ etc.

Get 300 off using below link-
timesprime.onelink.me/6hfI/ebab9c1a?…
7 - Zomato Pro Plus

Zomato Pro Plus and Slice Card mentioned above is a very powerful combination for savings 🔊🔊

Pro Plus saves on special discounts + Free delivery

30-60% off with slice card is super helpful

Slice link - links.sliceit.com/invite?rc=GROO…

Swiggy one is okay okay.
Finally, last 2 things

I don't spend just because there is an offer. When I spend, I find the best possible offer

I don't sign up for all cards; I do my research and get the cards/subscriptions of my use only

Spending extra for cashback doesn't make sense to me.
8. PharmEasy plus for medicines

I got this subscription from Timesprime mentioned above, 18% flat discount + 5% cashback on all medicine orders

New users-

Use code- 1xkib, and get EXTRA 5% OFF on your first order peasy.in/SmpsuT

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More from @DealsDhamaka

Vineeth K Profile picture
Jun 20
'సంపాదించడం' ఎలా 🧵

డబ్బు కన్నా సంపద మిన్న

1) మనం పడుకున్నప్పుడు కూడా సంపాదించే ఆస్తులు ఉండటం 'సంపద'

2) మన దెగ్గర నుండి దోచలేని జ్ఞానమ్ ఉండటం 'సంపద'

1/n
3) రేపు ధనం పోయినా, బలం పోయినా, బలగం పోయినా, హోదా పోయినా - ఎలా అయినా బతికేస్తాం అనే ధైర్యం ఉండటం 'సంపద'

4) నైతికంగా తప్పుదోవ పట్టకుండా ధనం సమకూర్చటం 'సంపద'

2/n
5) కష్టాలు నేర్పిన పాఠాలు 'సంపద'

6) కన్నీళ్లు పెట్టిన బాధలు 'సంపద'

7) జీవితంలో వచ్చే ప్రతిఫలాలు, సంబంధాలు, జ్ఞానం నేర్చిన కొద్దీ చక్ర వడ్డీ ఇస్తాయి అని తెలుసుకోవటం సంపద

3/n
Read 6 tweets
Vineeth K Profile picture
Jun 16
BEST FUEL CREDIT CARDS in INDIA 🧵

Fuel has become more expensive than ever at ~110/Ltr

One can save 3-7% on fuel using the following credit cards below :

#ccgeek #CreditcardImage
SBI BPCL Octane Card

Joining Fee - Rs. 1499 + GST
Annual Fee - Rs. 1499 + GST (Waived off on 2L Spend)

Welcome Benefit - Get 6000 bonus reward points equivalent to INR 1500

Fuel Rewards - Enjoy 7.25% Value back
~ 25X Reward Points on fuel purchases at BPCL petrol pumps (Maximum 2500 Reward Points per billing cycle) - 6.25% + 1% Fuel surcharge waiver on every BPCL transaction upto ₹ 4000

Link to apply - bitli.in/8uk0j5XImage
SBI BPCL Card

Joining Fee - Rs. 499 + GST
Annual Fee - Rs. 499

Welcome Benefit - Get 2000 bonus reward points equivalent to INR 500

4.25% Valueback ~ 13X* Reward Points on fuel purchases at BPCL petrol pumps. Maximum 1300 Reward Points per billing cycle

3.25% + 1% Fuel surcharge waiver on every BPCL transaction upto ₹ 4000 (exclusive of GST and other charges)

Link to apply - bitli.in/8uk0j5XImage
Read 8 tweets
Vineeth K Profile picture
Aug 20, 2023
How to save 3-25% on FUEL transactions?

Step 1 :

Create an account with one of the Fuel Providers.
I fill my petrol only in Indian Oil, so created IOCL account and always give my mobile number for the billing.

So every time petrol is filled XTRAREWARDS get accrued

#ccgeek Image
Step 2 - with Credit Card

Take a Fuel based credit card which will offer you rewards and surcharge waiver for every fuel transaction

I use Indian Oil - Citi Card which provides 4 Turbo points / Rs. 150 spent

Each Turbo Point = 1 rupee
Image
Image
Step 3 - Without Credit Card

Using Park+ App...

This is a new app which is providing insane offers on Indian Oil Vouchers.

On spinning the wheel, we generally get ~50 off on ~1000 which is 5% off

By playing quizzes, fasttag recharges etc, one can accumulate Park+ petrol Image
Read 7 tweets
Vineeth K Profile picture
Feb 11, 2023
Attended my kids school orientation session today, he will be joining NURSERY soon…

In the session, teachers shared some trends they are observing & suggested some key pointers for parents to keep a watch on …

Although all are basics, this made me INTROSPECT a lot

1/n
Children have slowed on taking instructions these days …

Reason - they watch TV/Gadgets and most of the learning is happening through eyes & not ears

Earlier kids in school used to listen in 1st instance, now it takes 5 times

LEARNING THROUGH EARS IS REDUCING

2/n
Most of us stay in apartments & hence use lifts …

Usage of lifts is impacting child’s physical development & many kids in KG are not even able climb a few steps. Kids in class 8-10 are showing arthritis symptoms

Ask - Make children climb atleast 10 steps a day

TAKE STAIRS
Read 13 tweets
Vineeth K Profile picture
Feb 10, 2023
On request, I am sharing the top 5 cards I use right now

AXIS MAGNUS - Premium Card

5X - 40X rewards using GiftEdge, GrabDeals portals
25000 milestone points on >1L spend/month

Points to miles conversion ratio is very good

Annual charges - 11.8K/Year
10K TataCliq voucher free Image
AMERICAN EXPRESS MRCC Card

Reward multiplier
4 transactions of 1500/month - 1000 points
20000 spend milestone - 1000 points

18K & 24K rewards are the best. Saved more than 70K in last 4 years.

First-year free + bonus points on referral

Apply here -
americanexpress.com/en-in/referral… ImageImage
CITI INDIAN OIL CARD

Limited usage for fuel spends & BBdaily

1 Litre free on every full tank (4 turbo points every Rs.150 spend)

Rs.250 discount on Rs.3000 wallet reload every month on BBDaily App

Never paid a single rupee fee

Apply - online.citibank.co.in/portal/newgen/… Image
Read 8 tweets
Vineeth K Profile picture
Dec 21, 2022
#GOLD investment in #India ?

Most of us are hearing a lot about #SGB - Sovereign Gold Bonds these days. In this thread, I will try to explain my understanding

Sovereign gold bonds(SGB) were introduced by the Government of India in 2015 under the Gold Monetization Scheme.

1/n Image
SGBs are substitutes for Physical gold, the bonds are issued by RBI (Reserve Bank of India) on behalf of Govt of India.

Imagine buying gold but in non-physical form, the price of the bond increases and decreases with the price of Gold in the international market

2/n
Why SGB?

For investors who would like to keep GOLD as an investment class in their portfolio, #SGB offers a lucrative option with a few advantages

Advantages

1) No risk of buying impure gold - You buy the bond, its held in the books of the RBI or in Demat form

3/n
Read 18 tweets

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