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Tejas Ghongadi Profile picture
Tejas Ghongadi
@tejasghongadi
Co-Founder of @ThePointsCode - Simplifying the #CreditCard #Points & #Airmiles Space to some amazing rewards & luxury travel.
Oct 25, 2023 • 10 tweets • 2 min read
(1/n) Almost Everybody knows about HDFC Smartbuy portal & how rewarding Infinia & DCB are via Smartbuy

Yet, many people think that higher rewards on SB are limited to Flights & Hotel Bookings

Lets look at Instant Vouchers - which gets upto 16.6% on many everyday spends (2/n) Instant Voucher section is run by Gyftr.

Whats Gyftr - A merchant that sells Gift Vouchers of 125+ Brands

Whats the relation with Smartbuy - Tie-up between Gyftr & HDFC for accelerated reward points or cashback on HDFC Cards. Similar tie-ups exist with other banks too.
Jan 8, 2023 • 4 tweets • 2 min read
(1/n) Why One-Way fares for mileage value calcs can be deceptive, specially on International Sectors:

Mumbai to Paris Business Class in Early May 2023

Award Ticket Requirement:
One-Way - 54,000 Miles + ₹16,787
Return - 108,000 Miles + ₹40,681

#Airmiles #creditcard

Contd.... (2/n) Price of same Flights:
One-Way - ₹156,753
Return - ₹261,257

Lowest Price of Business Class Tickets on any airlines on same days:
- One-Way - ₹106,767
- Return - ₹160,957

Contd......
Dec 2, 2022 • 6 tweets • 2 min read
(1/n) Is Magnus worth w/o the 25K Milestone Bonus?

Analysing ₹6-8 Lacs spends annually as under:

Utilities / Mobile / Internet - 75K
Fuel / Toll - 100K
School Fees - 100K
Groceries - 60K
Dining / Food Delivery - 60K
Travel - 60K
Shopping - 60K
Electronics - 100K
Misc - 120K (2/n) Standard Earning - 12 ER per ₹200

How much can be routed thru Reward Multiplier?

Amazon GV - 120K - 3X
Shopping - 60K - 10X
Electronics - 120K - 5X
Travel - 60K - 5X
Misc. - 50K - 5X
Food Delivery - 20K - 5X

EazyDiner Dining Discount - 6 Times a year - ₹6000 Savings
Aug 26, 2022 • 8 tweets • 9 min read
(1/n) With addition of @AxisBank #creditcards as a Transfer Partner option of @SingaporeAir #KrisFlyer Program, KrisFlyer Program becomes quite lucrative given maximum transfer partners.

Lets look at what makes this Program good for Airmiles beginners in India!

Long 🧵 Alert (2/n) Key Points of the #KrisFlyer Program

1. Easy Accumulation of #AirMiles
2. @staralliance Member
3. Simplistic redemption Chart

Different Statuses under #KrisFlyer Program (Corresponding @staralliance Status)

Base, Silver, Gold & PPS Club
Apr 17, 2022 • 7 tweets • 4 min read
(1/n) Many queries on how to maximise @AmexIndia Reward Multiplier for Fuel Spends. So here's the process to be used.

Go to the below #Amex Reward Multiplier e-Vouchers Purchase Link (Partnership with @GyftrIndia)

gyftr.com/amexrewardmult…

Snapshot of the Page below (2/n) Click on the Travel Section and u will see Travel related useful Vouchers.

On the left side, you see BPCL & HPCL Petro PAYCODE. Select the option depending your preference of the fuel bunk.

Voucher redemption process is fairly seamless in both brands.
Jan 4, 2022 • 11 tweets • 9 min read
(1/n) Compiling a 🧵 of 2021's threads created regarding Credit Cards & #Airmiles & Hotel Loyalty topic.

This whole world is very dynamic in nature, hence, the data / T&Cs / Value may have changed a little, however, the intent to understand the subject.

#IndianMilesGuide (2/n) Starting with one of the hot favourite - @AmexIndia MR Points Versatality:



#IndianMilesGuide
Dec 9, 2021 • 15 tweets • 10 min read
(1/n) Day when childhood dreams turned reality!

The iconic Taj Mahal Palace & Gateway of India!

No, not the first visit. Have come here way too often. But it was finally time to be on the inside of the @TajMahalMumbai instead of standing outside & admiring.

#IndianMilesGuide ImageImageImageImage (2/n) For now, going to leave you with some teaser photos of the Executive Suite from the Heritage Wing! Lot more details & photos coming up in the next couple of days.

#IndianMilesGuide ImageImageImageImage
Oct 20, 2021 • 10 tweets • 9 min read
(1/n) Had shared insights on Value received on #Amex #Platinum Card in below tweet. Some more insights on the super value I got in the free stays using @TajHotels Vouchers (Received from @AmexIndia) & MR Points over the past 4 Weeks!



#indianmilesguide (2/n) Hotel 1 - @VivantaHotels #Pune
No. Of Nights - 1
No. Of Rooms - 1
Revenue Booking Value - ₹5,724

Paid by:
1. ₹5,000 Taj Vouchers
2. Gold Status Benefit - ₹672
3. ₹52 (By Card 😆)



#indianmilesguide
Oct 18, 2021 • 12 tweets • 10 min read
(1/n) Decided to redeem the Taj Vouchers received from Amex (Check below tweet for details) and some more received against Amex MR Points with a Two Nights stay @GatewayHotel_ Ambad, Nashik!

#indianmilesguide

(2/n) Checkin Process was decently fast. No fuss or nothing exciting over there. Had booked a Superior Room under the Desh Dekho Offer which includes Breakfast & One Major Meal (Including a Curated Local Menu once during Stay)

Some Photos of the Lobby Area!

#indianmilesguide
Oct 11, 2021 • 21 tweets • 17 min read
All about Credit Card to #Airmiles Conversion and Booking Redemption Tickets:

Over 100 Frequent Flyer (FF) Programs globally. Some with direct access to convert credit card reward points & some Indirectly via the likes of @MarriottBonvoy.

Long 🧵 Alert

#indianmilesguide Additionally, each major FF Program on average has 15+ other Airline partners. So how and where to start?

Direct Partners - Where CC RPs can be converted to Airmiles

@HDFC_Bank Infinia / DCB
1. @SingaporeAir
2. @airvistara
3. @InterMiles

Contd....

#indianmilesguide
Oct 10, 2021 • 12 tweets • 8 min read
Details of an excellent Hotel Loyalty program which does not get much attention due to no Points Transfer Partners in India.

World Of Hyatt!

🧵Alert!

What does it mean? Earn Points thru Stays or purchase points!

@Hyatt - Credit Card Partners in India plz.

#indianmilesguide @Hyatt Program covers 1000+ Hotels across 18+ Brands 

- Alila
- Andaz
- Caption
- Destination Hotels
- Exhale
- Grand Hyatt
- Hyatt
- Hyatt Centric
- Hyatt House
- Hyatt Place
- Hyatt Regency
- Hyatt Residence Club
- Hyatt Zilara
- Hyatt Ziva
- Joie de Vivre

#indianmilesguide
Sep 3, 2021 • 6 tweets • 2 min read
Lot of queries on how I am getting Value out of @AmexIndia Platinum Charge Card considering annual fee of ₹71K. So decided to pen down some details:

🧵 Alert!

Going to focus more on tangible benefits (Cashbacks & MR Points both) as the annual fee is siginificant.

.. Cashbacks:

1. More Value from Platinum 100% CB - ₹27.5K & ₹30K
2. Google / Apple Store 100% CB - ₹5,000
3. Salon 100% CB - ₹5K
4. Lakme 100% CB - ₹2,250
5. Shop Small Nov-20 - ₹3K (2 Cards)
6. Shop Small Aug-21 - ₹5K (2 Cards)

Total - ₹80,750
Spends - Approx. 1 Lac

..