How we got 25+% rewards on GOLD and Diamond Jewelry Purchases every year?? 💎🪙
But did we?
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Buying gold using credit cards is great, but how did we maximize the reward value ! 👇 Works for Kalyan, Joyalukkas, Malabar, Reliance Jewels, GRT, Josalukkas, Tanishq and more..
From 2023, we stopped buying GOLD & Jewelry directly with cash or debit cards
The 2 approaches we followed:
Approach 1 : Buying gold coins & pendants online at discount
Approach 2 : Buying Gift vouchers to maximize the returns. There are double, triple offers you can apply
Used to purchase gold coins & pendants online at discount aggressively for 2020-2024 period.
All the accumulated gold coins can be exchanged at Today's market Price at most of the jeweler.
P.S. We buy only 24KT gold coins/pendants (995 & 999 purity). We are not buying aggressively in 2025 as the GOLD price is very high and we don't have any immediate spends
Approach 2: MULTI-DIP STRATEGY IN ACTION
SAME STRATEGY IN 2023 & 2024
How we got ₹100,000+ reward back on a ₹4L Gold Purchase
Bought Shopping Vouchers using Axis Magnus Burgundy (during AEP month)
- Amazon Pay
- Amazon Shopping Voucher
- Reliance Jewels
AEP month post 1.5L = 35ER/₹200
70,000 ER points = 56,000 Accor Points
56,000 Accor Points = ~₹1,10,000 Accor Stays
That's a SOLID ~25% Reward Value
Some Salient Items for additional dips
- Why Amazon Pay/Shopping vouchers?
Used Amazon GVs to purchase Reliance Jewels GVs on Amazon → extra 2% discount
Amazon Pay vouchers have a monthly and quarterly limit, hence added Shopping vouchers to purchase Reliance Jewels vouchers.
Also,
- The jewelry store was in Phoenix mall. Uploaded bill on Phoenix Mall app → received ₹5,000 in food GVs
- Claimed 0.5% Reliance One points redeemable at Jio, Trends, etc
Which all cards give such value ?
High Reward Earning Cards - AXIS MAGNUS BURGUNDY, ICICI EPM, TB via. iSHOP, HDFC Infinia & DCMB via. SmartBuy
We got 25% worth Accor Stays, which we might use of not in the future at the same value. The reason I say this is, we have accumulated Lakhs of points using these strategies, but the Accor Point / Credit Card point value might or might not stay the same till we redeem
Is this strategy only applicable on Reliance? NO !
So which all jewelers and where to buy?
🤖 Robot vacuums are no longer a fancy gadget they’re becoming a home essential
If you’re thinking of buying one but confused about types, features & what suits your home
Here’s a quick guide with suggestions starting Rs.15000 👇
🤔 Why a Robot Vacuum?
- Tired of daily sweeping & mopping?
- Don't want to depend entirely on house help?
- Elderly parents at home?
- Too busy to clean every day?
A robot vacuum = Your daily cleaning assistant
(that doesn’t take leave!)
🛠️ Robot Vacuum Types
Let’s break it down:
1️⃣ Basic – Only vacuuming
2️⃣ Vacuum + Mop Combo – Adds mopping for hard floors
3️⃣ Self-Cleaning (Dust Only) – Empties its bin into a dock
4️⃣ Self-Cleaning (Dust + Water) – Fully hands-free (empties dust + washes mop)
You're not alone. With rising health awareness and busy lifestyles, air fryers are becoming a kitchen essential.
But the market is full of options
Here’s your Buying Guide 👇
What is an air fryer?
An air fryer is a kitchen appliance that uses hot air circulation to cook food giving it a crispy texture with little to no oil. Perfect for Indian homes that want to eat tasty yet low-oil snacks.
Types of Air Fryers
Not all air fryers are the same. Here are the 3 major types you'll see in India:
a) Basket Type (Pull-out Drawer)
- Most common type
- Great for: fries, nuggets, frozen snacks, veggies
- Brands: Inalsa, Philips, Havells, Solara
b) Oven Style Air Fryer (With Door & Trays)
- Larger, can cook multiple dishes
- Can also be used for baking
- Brands: Agaro, Solara, American Micronic
c) See-through Air Fryer (With Glass Window)
- Lets you monitor cooking
-Useful for precise cooking
- Brands: Agaro, Solara with window, Faber
🧵 Water Purifiers in India — What No One Tells You
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Almost every user feels cheated in the water purifier space. If you're planning to buy a water purifier, read this before spending a rupee
I've tried many brands. Here's a no-BS guide based on experience, scams, and service horror stories. 👇
🚱 Why the Water Purifier Market in India Feels Like a Scam
1. AMC Trap (Annual Maintenance Contract)
This is the #1 pain point. Most brands sell you a low-cost device, but then trap you into high-cost servicing. AMC charges often go from ₹4K–₹7K/year — which means you’re effectively leasing the purifier.
🧠 Pro tip: Always ask filter life (in litres) and cost of each replacement. That’s where the trap lies
2. Water Wastage in RO Systems
For every 1L of purified water, 2-3L is wasted. In apartments, this goes unnoticed. But it’s an ecological disaster.
3. TDS Confusion: Most Buyers Don’t Know Their Water Quality
RO is only needed if TDS > 500 (like in borewell water). City/tap/municipal water with <300 TDS? RO is overkill. You're losing essential minerals and water.
➡️ Use a TDS meter (₹200-₹300) before buying anything. Most people skip this, and brands won't tell you either
RO (Reverse Osmosis)
➤ Removes everything, including minerals.
➤ Must be used with TDS controller/Mineralizer.
➤ Needed for borewell, high TDS, salty water.
UV (Ultraviolet)
➤ Kills bacteria & viruses. Doesn’t remove chemicals or TDS.
➤ Good for metro city supply water (chlorinated/treated).
UF (Ultrafiltration)
➤ Gravity-based. Removes visible particles & cysts.
➤ No electricity needed. Used in rural/low-pressure areas.
In small towns & villages, it's getting harder to find reliable house help. So we decided to buy a basic dishwasher. My Mother In Law has been using one for 3 yrs.
Investment - Rs.25,000
Here’s our experience —and why it’s worth it
At first, we weren’t sure if it would work for Indian kitchens—our food uses oil, masalas, kadhai, pressure cookers, etc. And honestly, we weren’t sure if our mom would even want to try it.
Fast forward to today: she uses it every day and proudly tells everyone how much easier it has made her life. No more standing for hours washing utensils.
The dishwasher cleans everything—steel plates, kadhai, spoons, cooker lids—no fuss. Just load, press start, and relax.
Why it works so well in Indian homes:
- Works for heavy-duty Indian cooking utensils—no need to pre-wash.
- Saves time and energy, especially for older parents.
- One Finish capsule and normal tap water is enough.
- Great for hygiene—dishes come out clean, dry, and odor-free.
- Can handle a full load or even just one rack (for fewer dishes).
- Comes with modes for different wash times (from ~3 hours to fast 30–40 minute cycles).
- Foldable racks make it easy to fit big vessels and different shapes.