Btw amazing video... Kudos to you guys

@PerAnnummoney

Ай бұрын

Thank you so much 😀

THE QUESTIONS YOU ASKED ARE THE SAME THAT I GOT IN MY MIND ...... ANYWAYS THE MOST HELPFUL PART OF THIS VIDEO SI THAT CALCULATIONS AND REWARD RATES THAT YOU ARE SHOWING ON THE SCREEN ..... VERY VERY USEFUL AND WONDERFUL TECHNIQUE OF EDITING THOSE THINGS ... THANK YOU SO MUCH ..... I SUGGEST YOU TO MAKE VIDEOS ON ALL AIRLINE PROGRAMMES ALL HOTEL PROGRAMMES AND HOW TO GET THE BEST VALUE OF REWARD POINTS OR EDGE MAILES ... ETC EC

@PerAnnummoney

18 күн бұрын

Thank you so much for kind words

Great video guys …super informative

@PerAnnummoney

Ай бұрын

Glad you liked it

@dr.architghangurde8182

Ай бұрын

Would it help to have a savings bank acct with axis or hdfc bank for better probability of getting their cc approval?

@PerAnnummoney

Ай бұрын

200% but not a necessary condition.

@sastrych7866

18 күн бұрын

@@dr.architghangurde8182 always a better possibility of getting a pre approved cc if you have savings accounts with banks .... hdfc is the top here

Do go for magnus anymore, I have it but since 2024 they have degraded the value badly. Earlier they used to provide vouchers for the annual fees but not anymore

Wow so amazing video

@PerAnnummoney

28 күн бұрын

Thank you for your kind words. Do subscribe the channel.

Where does citi prestige now axis olympus fit within the top 3 you listed?

@PerAnnummoney

5 күн бұрын

Olympous will make it to Top 3 for sure if Atlas gets devalued in the coming months.

For spends below 10L forget plat travel. Just get sbi cashback for online & atlas for offline spends.. sbi is credited back to statement & atlas points can use to book basic economy flights. A person who is unable to spend 10L+ has no interest in splurging in 5 star stays. Rather will stay in a 3 star and have multiple cheaper trips

@PerAnnummoney

22 күн бұрын

It depends upon preference of the person. What you suggested is also fair. Some people can optimise more for free flights over hotel stays.

@batmanz.

22 күн бұрын

@@PerAnnummoney type of hotel chosen by person 10L and below spending is very critical. These guys are way ahead in their financial journey to easily say gather marriott accor points. But for common man thats useless. Rather book 3/4 star hotels

@PerAnnummoney

18 күн бұрын

Agreed

Great video. Can you make some videos on middle class cards like Regalia Gold and how to optimise them?

@PerAnnummoney

15 күн бұрын

Thank you for your kind words. Sir, this is not a credit card dedicated channel. You can visit channels like Card Academy for this.

@SD_003

15 күн бұрын

@@PerAnnummoney I did but those just read the brochure. Those we are already aware. Some experience from actual users who can share tips on how to optimise would be great

Any best way to pay hdfc credit card bill to get some rewards or cash back For other cards we can use hdfc bill pay but for hdfc?

@PerAnnummoney

Ай бұрын

HDFC EasyShop Platinum Debit Cards offers 1% cashback on paying credit card bills up to Rs. 750.

@kapendrambbs1

Ай бұрын

@@PerAnnummoney that does not work for paying hdfc card bill

@PerAnnummoney

28 күн бұрын

Yes, not for hdfc cards. You might jave to look for other bank’s debit card in that sense.

But with the devaluation of axis atlas, do you think it is still worth it now?

@PerAnnummoney

Ай бұрын

Yes, 100%. If you can't get your hands on HDFC Infinia, DCB Metal , or Magnus Burgundy then Atlas is surely the next best option for travel rewards.

Which card is best and worth for traveling, Having 1 or 2 trips in a year ?

@PerAnnummoney

28 күн бұрын

Axis Atlas is apt for both domestic and international travels.

I’m holding Amex Platinum Charge since long time.. never got so much value as he mentioned. What’s the trick here??

@AkashlalBathe

4 күн бұрын

Bro it's not that easy. you need to spend a lot of time checking where you get the best deal and plan your travel acc. to that. Also he probably spent a lot just to save 8L. Unless you are spending 20L on credit card bills, and plan to stay in costly hotels, this won't work.

@aj5180

2 күн бұрын

He probably got it with joining bonus of 145000 MR points. Transferred the points to mariott. Booked a hotel where he got a value of 2 Rs/point.

@themaestro3222

Күн бұрын

@@aj5180 Yeah, most likely. Thanks for your input

What is the diners club black feature that was mentioned in video for getting 2+1 or 50% off on stays in Europe ?

@PerAnnummoney

Ай бұрын

So, Diners used to have partnerships with fine hotels across the world some years ago wherein if you book hotel stays via a Diners you would get such valuable discounts. But as of today this benefit has been withdrawn by the Diners Club.

Me 10year ki job me 60 bar flight travel✈️️✈️️✈️️✈️️ kiya hu but av free flight ticket by credit card. Please provide best information

@PerAnnummoney

10 күн бұрын

Kehne kya chathe ho sir ji? Nahi samaj aaya?

their startup is not working anymore. so take it with grain of salt.

@PerAnnummoney

27 күн бұрын

If you listened to the entire podacst ee didn’t even talk about one bit about what their startup does. It’s entirely focused on credit cards.

@rakeshprasad4969

27 күн бұрын

@@PerAnnummoney true. but that does impact their credibility on CC. You must know that they had a startup in that very space (CC reward multiply).

@gurpreetkakkar

6 күн бұрын

​@@PerAnnummoney you're copying wintwealth

@sanjugalande

6 күн бұрын

Thxs you save my 20 min

What about taxation on these ?

@PerAnnummoney

5 күн бұрын

Taxation from what perspective? On points redemption or earning reward points?

Maths went off for both of you :) to collect 75k atlas point at base value you need to spend 37.5L

@PerAnnummoney

17 күн бұрын

Sir we have taken 1:2 value for points transfer for Atlas because you get 1:2 conversion for edge miles. So, hence spends would ideally be half of what you quoted. 15-18 lakhs.

@PrateekChadha247

16 күн бұрын

@@PerAnnummoney 62k Edge Mile(Flight) + 13K (Accor) = 75k (example in video for 2L benefit) At 2 Edge Mile per 100rs (Base Rate) you can get 75k Edge Mile just by spending 15L ?

@PerAnnummoney

7 күн бұрын

Sir 2 Edge miles when transferred to Axis' travel partners except Marriott you get the conversion value of 1:2. This means if your get 2 edge miles and you transfer it to Vistara you get 4 Club Vistara points. And also you get bonus milestone edge miles at 3 Lakhs, 7.5 Lakhs, & 15 Lakhs.

@PrateekChadha247

6 күн бұрын

😀🙏

Which card provides points on rent amount?

@PerAnnummoney

Ай бұрын

Rent as a category isn't that rewarding as it used to be. Almost all banks have devalued their cards that used to offer reward points on rent. But here is one card that you can still explore: IDFC Vistara Credit Card - Offers you 1 CV point on every Rs. 200 and rent payments are counted towards the milestone benefits of premium economy flight vouchers.

@kapendrambbs1

Ай бұрын

@@PerAnnummoney 1% fee on rent amount transacted will be levied

@mohithkalyan

27 күн бұрын

@@PerAnnummoney Isn't it still a good deal ? Assuming you pay 40k per month as rent. Rounding it to 4.5L spends per year. Interest earned on IDFC Savings account for that 40k each month - 232/- (2784 pa). You also earn 0.5% miles. so, it would 2250 miles pa. Roughly 5k in benefit and this should compensate 1% loss in processing fee for 4.5L (4.5k). On top of this, you get 2 upgrade vouchers, and 4 free premium economy flights + with those rent payments every month..lounge stays active every month. If you pay these CC payments via HDFC Billpay - you get 4.8k back. That should compensate your joining fees + free credit limit and liquid cash and kick that rent payment rotation to one month late. I'm yet to move into a rented flat,🤞lets hope idfc and vistara offers stay intact post the merger.

if i am not wrong you were working with wint wealth or maybe somebody look alike you working in wint wealth

@PerAnnummoney

17 күн бұрын

Nope. Vishwas never worked at Wint Wealth. However, we understand the resemblance with the person you are referring to.

@foodiography

17 күн бұрын

@@PerAnnummoney exactly he looks him and wint wealth person looks like jasprit bumrah pro max

India longue access is no more exclusive

@PerAnnummoney

21 күн бұрын

India lounge access?

@shagunb45

21 күн бұрын

Yeah every card is giving access to longue no more exclusive

who is the target audience? you are interviewing riches, to give example for middle class card user ??? 18 lakh expenditure for marriage? how many indian do that? and do you think all vendorstake cardpayments ? if any marriage is arranged? only event planners do,

Totally false information

@PerAnnummoney

7 күн бұрын

Please elaborate what's the false info here.