Double Qsuite on points ✨ A private cabin in the sky. One of the world's finest Business Class experiences today. 🤍 BOM ➡️ NBO (via DOH) This Masai Mara trip turns out to be my biggest redemption journey yet, combining my biggest hotel redemption and now my biggest flight redemption, all in a single trip. Redemptions like these are exactly why I started SmartSpendCode. Stay tuned. I'll be sharing the complete redemption details, points used, taxes paid, and upgrade strategy that worked 😉

❤️ Oberoi FAM trip was something special. Learned so much along with @asktarunn and @TravelBluez , and this lunch at NAAR was definitely one of the highlights. The courses just kept coming, the conversation kept flowing, and the company was even better. 😂 Amazing experience with an even better bunch of people. 🙌

🚨 Another Axis major devaluation alert Looks like we finally have the complete picture. 👀 ❌ ITC removed completely ✅ Qatar Airways + Accor are back • Magnus Burgundy: 5:2 • Private: 5:4 ➕ Lufthansa Miles & More added • Group B: 5:4 ➕ Cathay Pacific added • Group A: 5:2 ➕ Hilton added • Group B: 5:4

🚨 Update: Axis devaluation + new transfer partners The changes are becoming clearer: ❌ ITC removed ✅ Qatar Airways is back ➕ Lufthansa added ➕ Cathay Pacific added ➕ Hilton added The changes are still developing, and the official T&Cs haven't been updated yet. Interestingly, ITC is still listed in the current T&Cs. So I'd wait for the complete update before making any transfers. Should be clearer in some time. 👀 Stay tuned.

🚨 Another overnight Axis devaluation and change in process. Looks like ITC is gone and Qatar is back. More details are awaited, so stay tuned. And the timing couldn't be worse. 😂 Just today, I transferred 50K to ITC. Now I'm seriously regretting not transferring more. 😭 After Accor and now ITC, Axis is practically becoming useless for hotel transfer partners. More details once the complete changes are clear. 👀 Stay tuned.

HSBC finally manually credited 50K Accor points, including the bonus, after I escalated the issue mentioned below. So the Accor issue is sorted. ✅ The June DC cashback issue is still unresolved though. HSBC continues to be unpredictable. 😅 If you're facing a similar issue, raise it with the bank and keep escalating. DM if you're stuck or have any doubts

🚨 Times Black cardholders, check your app! There's a nice little change to the welcome benefit. 👀 You can now choose between: 💈 Truefitt & Hill voucher worth ₹3,100 💇 Toni & Guy voucher worth ₹3,000 My Toni & Guy voucher went unused earlier, so this is a great change This means now we have 3 Truefitt & Hill vouchers with this card. 😄

My first ever Kotak credit card is here! 👀 Been with Kotak Bank for 10+ years, but never really liked their CC portfolio until Kotak Air+ showed up on my app with a FYF offer. 👉 FYF: tinyurl.com/KotakAirPlusFYF The biggest attraction for me is the Accor & Qatar transfer partners, especially after Axis removed both. They're also with HSBC, but I can't really rely on HSBC given how they operate. 😅 It's a decent 2% base reward card, with: 🎯 5,000 miles on ₹1.5L quarterly spends ✈️ 5% via Kotak Unbox on flights, hotels and vouchers 🎁 Gift cards and gold aren't excluded as of now 🏨 1 mile = ₹1 on flights and hotels 🔄 2:1 for transfer partners Went with the RuPay variant since there are no miles on forex spends, so Visa or Mastercard didn't make much sense. RuPay also gets some occasional offers. There's also a glitch currently allowing you to apply for the card as LTF: 👉 tinyurl.com/KotakAirPlus-LTF Apply for LTF at your own risk though. The bank can roll this back anytime. You get 2,500 miles on renewal against the ₹3K fee, which is almost full value back if transferred to Accor. Spend ₹4L in the first year and the next year's fee is waived anyway. So the current FYF offer makes this a good 2 year card. Definitely an interesting addition, are you applying?👀

⏰ Times Black cardholders, don't forget to enroll for the September offer! Complete ₹1L spends in September and you get: 💈 2 complimentary Truefitt & Hill Royal Signature vouchers 💰 Worth ₹6,200 That's an additional 6.2% value on top of the regular 2% rewards, decent offer to complete your spends. if you're planning your advance tax payments, these spends can count towards both your milestone and base rewards. ⚠️ One important catch: Tax rewards are capped at 5,000 points, so ₹2.5L is the maximum tax spend I'd consider for rewards. If you have a Times Black, enroll first and then complete the ₹1L September spend. 👀

It's the little things that separate Oberoi from the rest. ❤️ Came back to my room and found a simple screen and lens cleaner kept beside my laptop. Nothing extravagant. Just a thoughtful little touch. That's Oberoi hospitality. ❤️

HSBC Bank has to be one of the worst, and probably the slowest, when it comes to resolving issues and getting in touch with their customer care team. 😑 The HSBC x Accor bonus transfer failed on 14th August. I tried reaching out to customer care on call, but no luck. Somehow managed to get through to chat support, where I was asked to raise a secured message. Did that exactly as instructed and submitted it. Since then, ZERO update. And now even customer support has no answers. Another issue is my June DC cashback, which HSBC still hasn't processed, citing the new T&Cs that came into effect from 1st August 2026. How does a change effective from August apply to transactions done in June? I have enough documentation and proof for both issues to take this up with the RBI if required. Anyone else facing issues with HSBC? Especially with either of these: 1️⃣ Accor bonus transfer failed 2️⃣ Debit card cashback for spends made before the new T&Cs

Let me further expose the criminal mindset and dangerous behaviour of @PrawinGaneshan with clear evidence. When my personal address was posted publicly from their official account wintrackinc, I first assumed it might be a mistake by someone from their team and reached out privately requesting it be taken down or reposted with masked details. What followed is captured in the screenshots. 1st screenshot - instead of correcting the mistake, he behaves as if posting a customer’s address publicly is acceptable 2nd screenshot, he literally says “Why should I mask?” which clearly confirms this was intentional and approved by him 3rd screenshot, the blackmail is obvious: “If you delete your tweet, our tweet will be gone.” This is doxxing followed by intimidation. 4th screenshot,t, look at the language and tone: “Will u tweet again or not” and “let it remain then.” This is exactly how ransom style goons talk, not legitimate business owners. All I kept asking was simple: post whatever response you want, but mask my personal address. That was repeatedly refused. This was done purely as retaliation because I spoke about a 2 month delivery delay. This raises extremely serious data protection and business conduct concerns. If a company is comfortable publicly exposing a customer’s personal address, what safeguards exist for customer data internally? Is customer information being stored securely at all? Is any customer data being shared with third parties or sold to overseas suppliers in China? Most importantly, does an individual with such criminal behaviour even remain fit to hold business licenses, GST registrations, and importer privileges to operate cross border trade? I urge the concerned authorities to take note and investigate violations under the IT Act, IPC, data protection laws, misuse of customer data, unfair trade practices, and illegal intimidation @GoI_MeitY @AshwiniVaishnaw please check for violation of IT Act and digital privacy protections @FinMinIndia @GST_Council @dgftindia @nsitharaman for business conduct, licensing compliance and import practices and for regulatory oversight of such entities @ChennaiCustoms @cbic_india for importer conduct and customs compliance @HMOIndia @AmitShah for criminal enforcement under IPC and cyber crime provisions This is an informal complaint against WintrackInc and its owner @PrawinGaneshan for publicly disclosing customer personal data, intimidation, coercion, and potential violations of Indian digital protection laws. GST Numbers involved for Business NameWINTRACK INC : 32EPCPP2763E1Z2 33EPCPP2763E1Z0 (also running the brand The Zoo Mart under this GST with co-founder sonia arunkumar) No customer should ever face doxxing or threats for raising a service concern. Whether he is wrong or right is another matter but doxxing is not justifiable under any circumstances.

✨ ₹7L milestone done on Amex Platinum Travel! The 40K milestone points have now been credited for one last ime🎉 Missed the spend and earn period though. Spends weren't there during that window, otherwise this would have been another 15K voucher on top. 😅 Renewal for this one is in July 2027 so not closing the card for now. will remain in the drawer until then. ⚠️ Important for anyone chasing the milestone: The reward structure changes from 10th September onwards. So if you're close to your milestone, complete your spend before the change. 📅 Last eligible spend date: 9th September Only 5 days left! ⏳

There are 2 more exciting Axis cards coming soon 👀 Not counting Scapia. One could launch this month, and the other could drop anytime soon. As I said earlier, keep your 3rd slot open. 😉 You never know what might be worth adding next.

Want access to the portal? Signup here: link.smartspendcode.com/xInt… Once you've signed up, comment “upgrade” or simply DM me and I'll share your exclusive portal access.

A birthday I'll remember for a very long time ❤️ Took my family and extended family to Fairmont Udaipur Palace and created a very special experience for everyone. 🏨 4 rooms ✨ ₹3L+ stay 🎯 100% funded with points ⬆️ Every room upgraded 👑 One upgraded all the way to the Jewel of Udaipur Suite It was the first time I was able to take the entire family for a stay this special, so honestly, a very proud moment for me. We then continued our annual family ritual with a visit to Nathdwara for an amazing divine darshan 🙏 And then came another milestone that made this birthday even more special. I officially hit $100K with Fora today as a travel advisor. 🎉 Last year, I reached this milestone by the end of the year. This year, I'm only in August. Never imagined that a side passion project would turn into ₹1 crore+ of travel business in each of my first two years. From optimizing points for my own family trips to now helping others plan theirs, this journey has been absolutely incredible. A birthday, a family trip, a spiritual tradition and a career milestone. Couldn't have asked for a better day. ❤️