💳 Times Black ICICI Bank vs ICICI Emeralde Private Metal Credit Card.

Two of ICICI’s most premium credit cards.

Both come with travel, lifestyle, and luxury perks — but with very different structures.

Here’s a detailed breakdown🧵👇 💰 Annual Fees & Waivers

Times Black: ₹20,000 + GST

Waived on spends of ₹25,00,000 in an anniversary year

Emeralde Private: ₹12,499 + GST

Waived on spends of ₹10,00,000 in an anniversary year

💳 What kind of credit card charges ₹11,50,000 Lakhs in the first year just for the privilege of holding it?

It started as a rumor whispered among the wealthy: The Amex Centurion Card.

The rumor was so strong, Amex finally made it real.

Here’s the story 👇🧵 ✨ The Myth Before Reality

In the 1980s & 90s, rumors spread of a mysterious all-black Amex card with no limit and secret invitation-only access for global elites.

The catch? It didn’t exist yet.

But the whispers created demand stronger than any ad campaign.

🚀India crossed 110 million credit cards in July 2025

Today, co-branded cards are rewriting how Indians shop, save, and stay loyal.

Let’s unpack the story🧵👇 🏦 What Are Co-Branded Cards?

A co-branded credit card (CBCC) is built through a three-way partnership:

🏦Bank (issues & manages credit)

🏬Brand (retailer, airline, telecom, etc.)

🌎Network (Visa, Mastercard, RuPay).

The result: a card that works almost everywhere but gives extra rewards inside the brand’s world.

🚨 Flipkart has launched a new credit card with SBI Card.

The Flipkart SBI Credit Card 💳

But how does it compare to the popular SBI Cashback Card?

Let’s break it down 🧵👇 💰 Annual Fees

•Flipkart SBI: ₹500 (+taxes), waived if you spend ₹3.5L/year

•SBI Cashback: ₹999 (+taxes), waived if you spend ₹2L/year

🧵 How Banks & Card Networks Make Money Every Time You Swipe Your Debit/Credit Card in India 💳

Ever wondered where your money really goes when you use a Visa credit card or an RuPay debit card?

Here’s the complete breakdown👇 1️⃣ Who Are the Players?

•👤 Customer – cardholder

•🏪 Merchant – the shop/website

•🏦 Issuing Bank – your bank (HDFC, SBI, ICICI, Kotak, etc.)

•🏦 Acquiring Bank – merchant’s bank (Axis, SBI, HDFC, etc.)

•🌐 Card Networks – Visa, Mastercard, RuPay, Diners Club

•🔐 Payment Gateway/Processor – Razorpay, PayU, Paytm, CCAvenue

Everyone has a role, and everyone earns a piece of the pie 🍰

💳 Imagine getting ₹10,000 worth of value for just ₹3,540! Sounds unreal?

💰With the Axis Bank Horizon Credit Card, it’s possible. (Full Review)

👉Apply now:

Read this thread to know how 🧵⬇️

Don’t miss the ending…🤫 bitlii.cc/en/UxeH0i 💰 Card Fees:

•Joining: ₹3,000 + GST
•Annual: ₹3,000 + GST

👉 ₹3,540 effectively

✅Apply here: bitlii.cc/en/JpC2PW

🧵 HSBC Rewards Multiplier & Transfer Partners — Full Guide

💳HSBC credit cards earn Reward Points, but the magic is in the multipliers & transfer partners.

💰Spend in the right categories, and your points multiply.

🤯Get upto 80% rewards on spends

Let’s break it down 🧵👇 Only 5 HSBC cards participate:

•HSBC Privé
•HSBC Premier
•HSBC TravelOne
•HSBC Visa Platinum
•HSBC RuPay Platinum

❌Other HSBC cards have been excluded.

🎾🤯Do you know your Visa Credit Card can get you a free Pickleball or Padel game?

Yes, absolutely FREE🤑

🚀Pro tip on how to claim this offer multiple times at the end of the thread.

Here’s how you can claim it 👇🧵 Visa has tied up with the Hudle App a sports booking platform to give new users one complimentary Pickleball or Padel game.

📅 Offer Period: Aug 1 – Sep 30, 2025

🤝💳Axis Bank & Flipkart have launched a new co-branded debit card for Advantage Savings Account holders.

🛍️ The Axis Bank Flipkart Debit Card

💡Here’s a clear breakdown of its features, benefits, fees, and who should consider it

Read the thread below 🧵👇 The Flipkart Axis Bank Debit Card is available only with the Axis Bank Advantage Savings Account.

✅ Only for new & existing customers of the Axis Bank Advantage Savings Account.

💰 You must maintain a ₹25,000 Monthly Average Balance (MAB) in this account to keep it active.

🧵 Master Your Credit Card: 8 Simple Rules to Avoid Debt & Boost Your Score

A credit card can be a money-making tool 💳… or a debt trap 🔻

It all depends on how you use it.

Let’s break it down 👇🧵 1️⃣ What is a Credit Card?

It’s basically a short-term loan from your bank.

You swipe today → Bank pays the merchant → You repay the bank later.

✅ Pay in full & on time → No interest.

❌ Delay or underpay → High interest (40-50% annually).

👑 Here’s a quick breakdown of the IDFC FIRST Private Debit Card.

💳A premium metal debit card designed for higher limits, better rewards, comprehensive protection, and premium travel & lifestyle benefits.

A thread 🧵👇 👑Activation Benefits & Rewards

🙌🏼Welcome bonus: 20,000 points on first ₹1,000+ spend (worth ₹5,000).

🥇4X points offline & 6X points online per ₹150 spent.

🚀10X points on spends above ₹50K/month.

❌Excludes: insurance, brokers, wallet loads & select MCCs.

🚨 PhonePe x SBI Card launches TWO new co-branded credit cards!

🤝Meet PhonePe SBI Card SELECT BLACK & PURPLE

Here’s what each card offers, who should get them & how they compare 🧵👇 PhonePe SBI Card SELECT BLACK:

💳 Fee: ₹1,499 + GST (waived on ₹3L annual spend)

🎉 Welcome: ₹1,500 PhonePe gift card

🏆 Rewards:

• 10 RP/₹100 on PhonePe (max 2000/month)

• 5 RP/₹100 on other online spends (max 2000/month)

• 1 RP/₹100 on others (max 2000/month)

(utilities & insurance outside PhonePe: 1 RP/₹100, max 500/month)

💎 1 RP = ₹1, redeemable via SBI Card Portal

🎯 Milestone: ₹5,000 Yatra voucher on ₹5L yearly spend

✈️ Airport Lounge Access: 4 domestic lounge visits/year, Priority Pass for international (No Spend Limit)

⛽️1% fuel surcharge waiver (max ₹250/stmt)

🚫 Exclusions: No RP on fuel, wallet loads, rent, EMI, education, govt spends

🏅New HSBC RuPay Credit Cards are here!

🫰🏻Two choices,

💳HSBC RuPay Cashback Credit Card

💳HSBC RuPay Platinum Credit Card

A detailed comparison thread🧵👇 HSBC RuPay Cashback Credit Card

💰 Fee: ₹499 joining/annual (waived if spends > ₹2L/year)

🎁 Welcome Benefits:

₹100 Amazon voucher post-KYC

₹500 cashback on ₹10K spend in 30 days

2 months EazyDiner Prime Membership

🚨BOB credit cardholders:

Did you know you can earn 10x reward points on hotel bookings and 4x on flight bookings via the SmartDeals travel portal?

💳BOBCARD:

💰Here’s a full breakdown of how it works.

My experience trying it 🧵👇 bitlii.cc/en/T5VVES 📲 How to access the BOB Smart Deals portal

There are 2 ways:

1️⃣ Login via portal:
🔗

2️⃣ Via BOBCARD mobile app

→ Open app
→ Tap “Smart Deals”
→ Select your card → Start booking portal.bobcard.co.in/login?utm_sour…

🚨If your Aadhaar is still linked to your parents’ phone number (or anyone else’s), it can block your credit card or bank account applications.

✅This one detail is now non negotiable.

💡Here’s what’s changed and how to fix it

A thread 🧵 👇 Aadhaar is now central to almost every financial process in India from credit cards to SIM activation to filing your taxes.

And now, your mobile number is used as a key ID checkpoint in these processes.

🧵Myntra Kotak Credit Card is getting discontinued on July 10.

If you loved those 7.5% savings on Myntra don’t worry.

💳Apply:

The Flipkart Axis Bank Credit Card (now zero joining fee) is a great alternative 👇

A thread 🧵 bitlii.cc/en/Y5rdxV Let’s talk Myntra first.

The Kotak card gave a 7.5% instant discount (₹750 cap per txn).
Loved that, right?

Well, Flipkart Axis offers 7.5% cashback on Myntra (₹4,000 quarterly cap). 💸

No, it’s not an instant discount, but here’s why it’s still solid 👇

💰Here’s a credit card that can get you flat 25% cashback abroad, even on shopping and food.

🚀Upto ₹15,000 in actual cashback

💡The best part? The card is lifetime free.

🔗 Apply here →

Let’s break it down 👇🧵kredit.pe/invite/x15 🙋🏻‍♂️Say hello to the Kredit .Pe Yes Bank Ace Credit Card

🔗 Apply here → kredit.pe/invite/x15

✅ No joining or annual fees – Lifetime Free
✅ Flat 2% cashback on UPI spends via Kredit .Pe
✅ ₹1000 welcome bonus when you link it to Kredit .Pe UPI
✅ Yes Bank reward points on regular card spends
✅ And here’s the kicker — 25% cashback when you swipe it abroad

🚨 If you invest in mutual funds via Groww, read this now.

They’ve shifted your investments to demat form, and it could mess with your folios, tracking, and redemptions.

Here’s what changed, how it affects you, and how to opt out 👇🧵 I’ve been investing in mutual funds through Groww since 2019.

But recently, I noticed something new: I started receiving emails from CDSL saying mutual fund units were being credited to my demat account.

Earlier, I only got emails from AMC🤔

💳 Choosing a cashback credit card?

🎯Both promise cashback

✅Apply:

🤔But which one actually saves you more?

🆚 Flipkart Axis Credit Card
🆚 Axis Bank Cashback Credit Card

A detailed thread 🧵 👇 bitlii.cc/en/N2AUMJ 🧾 Annual Fees

✅Apply:

Flipkart Axis

• Joining: ₹500 + GST
• Renewal: ₹500 + GST

Axis Cashback

• Joining: ₹1,000 + GST
• Renewal: ₹1,000 + GSTbitlii.cc/en/N2AUMJ

✅Axis Bank Cashback Credit Card Review 2025, Features & Benefits

💳Apply Now:

🎯The Axis Bank Cashback Credit Card offers tiered cashback up-to 7% on your spends.

🧵👇Here’s a full breakdown of how it works bitlii.cc/en/xZ1tws 🤑 Credit Card Fees

💳Apply:

Joining Fee: ₹1,000 + GST

Annual Fee: ₹1,000 + GST

Waived if: Spend ₹4L+ in a card anniversary year

🚫 Rent & wallet spends not counted toward waiverbitlii.cc/en/xZ1tws

👑IDFC FIRST Private Credit Card just got a BIG travel rewards upgrade

🚀Get accelerated rewards up to 40% on hotels & 20% on flights

Let’s break it down 👇🧵 👑 IDFC FIRST Private Credit Card is the most premium offering in the bank’s credit card portfolio.

With the recent revamp, it now gives insanely high reward rates for travel spending.

Here’s the breakdown below⬇️