๐๏ธ I Cybersec๐ป I Cricket๐ | Investor ๐ | FPLโฝ๏ธ I Traveller ๐ฉ๐ I #ccgeek ๐ณ I Arsenalโค๏ธ I Views my own I DM for collab๐ค ๐ฒDM to Book VIP stays with Perks
India That is Bharat
Based in India
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Double Qsuite on points โจ
A private cabin in the sky. One of the world's finest Business Class experiences today. ๐ค
BOM โก๏ธ 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 ๐
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Showed this perfect Pav Bhaji by @sftmumbai to my better half yesterday. She tried her best and honestly did pretty wellโฆ but obviously still not as perfect as yours, sir ๐
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Update regarding the HSBC Accor bonus issue: Iโve finally received my 10,000 Accor points, but with a twist. After several escalations, the 25% bonus was credited to my "HSBC rewards account" instead of my ALL account. It appears the contract between Accor and HSBC may have concluded, leading to this change in how points are issued. I suggest everyone check their rewards accounts to confirm their balances
FYI, @jassneetsingha @ankitdewan @smartspendcode @ccg33k @CardMavenIn @FinPaal
Thank you, @HSBC_IN, for the resolution.
HSBC asked me to fill up the form to raise a complaint and I did. The reply came that this is not the mode to connect to address your concern on ALL Bonus issue. Now, the Customer care says they can only check internally, but can not escalate the issue with a case ID. Meanwhile, the nodal officer email is bouncing. It seems I have to move to RBI against @HSBC_IN The customer support is totally NON EXISTENT. @ankitdewan @ccg33k @jassneetsingha @smartspendcode @CardMavenIn
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โค๏ธ 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. ๐
Amazing experience with an even better bunch of people. ๐
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One of the most interesting meals you can have in the hills right now ๐ฒ
Only two Indian restaurants made Asia's 50 Best this year. One is Masque in Mumbai. The other is a 16-seater tucked into the hills near Kasauli.
NAAR, Chef Prateek Sadhu's restaurant at Amaya (an SLH property), came in at #30, up from #66 last year.
Built on old farming terraces. 14-15 courses, and the menu changes with each of the six Himalayan seasons.
Every course felt thoughtful but still rooted in the mountains. NAAR means fire in Kashmiri, and you can kind of taste that.
Definitely not your usual "hotel restaurant" experience.
Pro tip: don't do it as a day trip.
Stay at Amaya, have dinner, and sleep it off in the hills.
๐ NAAR, Amaya | Solan, Himachal Pradesh
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Where's our naar is a naar is a naar post ? @TravelBluez
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This is frightening.
@TravelBluez and I were discussing about Royal Orchid Hotel on a whatsapp group.
Within 5 mins we got royal orchid otps.
We thought that might be a coincidence so tried out another thing many of our group members started talking about air india.
F****ck we got air india otps thereafter!
Damnnnnmm!!!! What the actual f!!! Super scaryyy!!!
@VoyageBliss @ccg33k @AmazingCreditC @creditkeeda @instinc
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Will IndusInd Bank allow to hold two cc
like IndusInd avoid and tiger?
also will BOB allow to hold both
BOB etihad and eterna?
@ccg33k @EvryPaisaMatter @FinPaal
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๐จ 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. ๐
Just today, I transferred 50K to ITC.
Now I'm seriously regretting not transferring more. ๐ญ
After Accor and now ITC, Axis is practically becoming useless for hotel transfer partners.
More details once the complete changes are clear. ๐
Stay tuned.
๐จ Axis Major Devaluation Alert
Effective 2 April 2026, Accor, Qatar Airways and Marriott have been removed from the transfer partner list.
An overnight change with the new financial year clearly shows urgency behind this move.
Either Axis Bank was taking heavy losses on these transfers or something major triggered this decision.
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๐จ Another Axis major devaluation alert
Looks like we finally have the complete picture. ๐
โ ITC removed completely
โ
Qatar Airways + Accor are back
โข Magnus Burgundy: 5:2 โข Private: 5:4
โ Lufthansa Miles & More added
โข Group B: 5:4
โ Cathay Pacific added
โข Group A: 5:2
โ Hilton added
โข Group B: 5:4
๐จ Axis Major Devaluation Alert
Effective 2 April 2026, Accor, Qatar Airways and Marriott have been removed from the transfer partner list.
An overnight change with the new financial year clearly shows urgency behind this move.
Either Axis Bank was taking heavy losses on these transfers or something major triggered this decision.
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๐จ Update: Axis devaluation + new transfer partners
The changes are becoming clearer:
โ ITC removed
โ
Qatar Airways is back
โ Lufthansa added
โ Cathay Pacific added
โ 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. ๐
Stay tuned.
๐จ 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. ๐
Just today, I transferred 50K to ITC.
Now I'm seriously regretting not transferring more. ๐ญ
After Accor and now ITC, Axis is practically becoming useless for hotel transfer partners.
More details once the complete changes are clear. ๐
Stay tuned.
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HSBC finally manually credited 50K Accor points, including the bonus, after I escalated the issue mentioned below.
So the Accor issue is sorted. โ
The June DC cashback issue is still unresolved though.
HSBC continues to be unpredictable. ๐
If you're facing a similar issue, raise it with the bank and keep escalating.
DM if you're stuck or have any doubts
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. ๐
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:
1๏ธโฃ Accor bonus transfer failed
2๏ธโฃ Debit card cashback for spends made before the new T&Cs
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Sometimes i feel peace of mind is more important than taking credit cards from banks like @HSBC_IN with absolute sh+tty system
kuch atta patta nahi inko
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