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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
Jul 2
NEW TO INVESTING ? Few things to keep in mind … 📕📕📕

Most of them were true in my case

Overconfidence - Many individual investors tend to believe they can consistently pick winning stocks, leading them to trade frequently. This overconfidence often results in higher transaction costs and lower overall returns.

#Investing
Loss Aversion : Investors often hold on to losing stocks for too long or keep averaging , hoping they will recover, rather than cutting their losses. This reluctance to sell at a loss can lead to missed opportunities in more profitable investments.
Recency Bias: After experiencing recent gains in the market, investors may expect the trend to continue and invest more aggressively. Conversely, after recent losses, they may become overly cautious, missing out on potential gains.
Read 7 tweets
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

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