Credit Card EXPERT explains the use of Credit Cards | TRAVEL FREE USING CREDIT CARD REWARD Points
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In this video, I am with one of the smartest credit card experts in the country, who literally turned this passion into a full functioning business. Tejas Ghongadi, co-founder of The Points Code helps you understand how to optimise credit card spends and choose the right card while avoiding all the ugly mis-selling that happens in the industry. He is someone who has optimised his credit card game to the extent that he takes international business class trips for free every year, you’re in safe hands!
Check out Tejas’ socials and his company here;
The Points Code - www.thepointscode.com
Tejas’ Instagram - tejasghonga...
Link to create an episode with us : docs.google.com/forms/d/e/1FA...
#creditcards #creditcard #creditcardsforbeginners #finance #insurance #insuranceadvice
Come say hi :)
Instagram: / lordmoneyengar
Twitter: / lordmoneyengar
KZread: / lordmoneyengar
LinkedIn : / aaditya-iyengar-4683b6203
0:00 - Short-Cuts
0:30 - Intro
1:17 - About the Guest
3:02 - About his own Credit Cards
4:00 - How to use Credit Card responsibly?
6:00 - 1Finance Credit Card Scoring and Ranking Tool
6:40 - Interest Rates and Fees
9:42 - Pain Points and Credit Card Ecosystem
13:03 - How to deal with Banks and resolve Ambiguity?
14:38 - Importance of Terms and Conditions
15:34 - Why beware of Free Credit Cards?
16:56 - The Best Credit Card
19:12 - Choosing Credit Card based on Spending
23:40 - How to use Reward Points?
29:14 - Importance of Official Information
30:04 - Outro
Пікірлер: 97
He just telling his story totally wast of time
@sanmoysanyal
Ай бұрын
We know more than this being a youngster.
@harishpatarla
8 күн бұрын
Thanks
@samirmomin4185
4 күн бұрын
Thnx
Can we pay 'Rupay Credit card' bill from other bank account's NEFT online?
Good watch.....which brand??
Ek card to suggest kiya nh, iski spain trip ka hum kya kre
Sir how can deal with hidden charges Sbi doing hidden charges on spends
Amazing video brother From my side request is cancelled you please make dedicated videos on how to dismantle and assemble a transmission by explaining each and every part function and what if that part fails what does it cause problem in transmission
Such very useful information
why every month my cibil 1 point down
Sir, which credit card are you using for travelling on which you are getting free travel ?
@dakshk
5 күн бұрын
Amex platinum travel, HDFC infinia, axis atlas, axis/SBI vistara cards and many more
The issue of wrong information - it’s not only in credit card it’s also in various aspects including loans. Even if we approach the bank at the central level as functions such as credit card are centralised they guide us to approach branch. In my case there are some enquiries for loan requirements for Crores were shown in CIBIL report in name of Bank of Baroda and approached in the central help desk and they asked me to check with branch and I did not even know which branch has marked such enquiry. Later I came to know from a friend that the banks apart from loan disbursement targets has to meet some targets in enquiry recd etc and used to just like that record it with whatever PAN details they had.
He sounds like Rahul Subramanian giving serious advice!
❤❤❤❤❤Sir mere papa ek businessman hai but my interest is in trading, stock market so CFA is good for me or another course Please guide me about this 🙏🙏❤❤❤❤❤❤
This was very informative podcast 🙌🏻
Twitter influencer se kya hi expect kar sakte he
Thanks a lot
I think one of the important question missed here about closure of credit card, a proper way of closure of credit card
@editwithkiran
Ай бұрын
I think its there in podcast, at about 14 min.
@mayurkumar1102
Ай бұрын
😂😂😂😂
❤❤❤❤Sir mere papa ek businessman hai but my interest is in trading, stock market so CFA is good for me or another course Please guide me about this❤❤❤❤❤❤ 🙏
Hi sir I am a law student of 1st year , i think I am developing an interest in finance related stuff, what would you recommend me to do ? Should I be doing CFA along with my llb course? I genuinely need your guidance 🙏🏻
@akhileshnanoti1256
Ай бұрын
I am an 18 year old btw . So, I have the time aspect to contribute
@lordmoneyengar
Ай бұрын
See the CFA for non finance video I’ve made
A must watch video 🔥
Hedge funds ke baare mein video banaya na
Hi Buddy As you mentioned jn your bio that you can make me understand about business and Finance any thing. So it's my humble request to you that if Alternative Investment Funds. Table of content what I required Taxation Part link whom pay tax. And Process for onboard foreign investors and documents to be sign. And other relative things like Cat 1 required
@lordmoneyengar
Ай бұрын
Ok bhai
I saw reels with your father
U have said " paying day-today spends .. earn reward point.. spend on travel " I am struggling to find these cards Most travel cards . Want you to spend on travel and earn travel points " Can u give me examples of such cards Other than " amex platinum travel card " ??
I am in class 12 and mera interest stock market, nifty, crypto Mai hai to mai v cfa karo
@greygrey9628
Ай бұрын
Pehle commerce mein graduation kar , baad mein cfa . Easy hoga
Points credited are not recoinciled against your payment but clumped for entire month daylight robbery
A Great video by Tejas ji
@lordmoneyengar
Ай бұрын
He’s a legend fr
@sagarbandodkar9
Ай бұрын
@@lordmoneyengar even I run a page on credit cards on twitter Called “Amazing Credit Cards”
May i know list of 7 credit cards he is using ?
@lordmoneyengar
6 күн бұрын
he’s revealed them time and again on his Twitter + this video is literally about that, you don’t need to know his cards, pay attention to how he mentioned you’re supposed to choose your own
Which card was used to travel for free?
@lordmoneyengar
Ай бұрын
It was a combination of Magnus, Amex and HDFC.
@dheerajdadlani6713
Ай бұрын
@@lordmoneyengarMagnus bandh ho gaya
I have a SBI BPCL Octane card. I use petrol of Rs 10k every month from this card. Rest I use only if I don't have to pay extra like buying insurance, term plan, electricity bill, D mart expenses. I think I can get petrol worth 8k in a year out of it.
@lordmoneyengar
Ай бұрын
🔥 🔥🔥
@shivduttm7940
Ай бұрын
It’s Time to buy E car brother
@paldhritiman
Ай бұрын
For BPCL petrol & Bharat Gas: Return Rate 6.5% & Groceries, Movie, Dining 2.5% & Others 0.25%
@Sachi-jb3bi
16 күн бұрын
7.5k rupees worth petrol in a year on 30k points
1000 rupaye ka 7 %7 rupaye hota hai 7mint time pe
Its totally waste of time.. till last minute I was expecting they will share something on how this can happen using which credit card basically some examples.
I have 14
Hi Aaditya, I have just filled your form and sent to you but I don't have instagram handle. I want to discuss with you about Medical Insurance malpractices and harassments
@lordmoneyengar
Ай бұрын
You can add any other social media handle or your WhatsApp.
Want a complete roadmap on quantitative finance
Arey but kuanse credit cards use kar rahe ho woh toh batao
@lordmoneyengar
Ай бұрын
bhai wahi toh point hai, ke it doesn’t matter woh kaunse use kar rahe hai, he’s explaining how you should pick the ones that are best for you
The title was TRAVEL FOR FREE
Please suggest cards for 1) medical expenses 2) paying insurance premium 3) paying utility bills. If you suggest these cards, then I think you will nail it.
@AbhijitChandekar
Ай бұрын
Still no response
@wagmi614
Ай бұрын
@@AbhijitChandekar dude they're not you're naukar, pay some expert their consulation fee if you want detailed information or just do research on your own if you want it for free
@AbhijitChandekar
Ай бұрын
@@wagmi614 unhone ye batane ke liye tumko naukri pe rakha hai kya?
@wagmi614
Ай бұрын
@@AbhijitChandekar haan, overly egoistic narcissists who think "merko reply kyun nai kiya ek din ho gaya, janta hu me kaun hu" to trigger karne ko bola hai like honestly, as if they're obliged to reply to you, like theek hai you have put the comment out, if someone knows they'll reply, ye kya tarika hua ke ek din ho gaya no reply lol
@AbhijitChandekar
Ай бұрын
@@wagmi614 kya peeta hai bhai tu... Bada entertaining lag raha hai 😂
Mere pass 6 credit card hai ICICI Amazon pay 80000 Axis filpkart 86000 Sbi bpcl 78000 Hdfc 40000 Au bank 55000 Rbl bank 59000
@lordmoneyengar
Ай бұрын
🔥
Bring a common man here and ask if they can do this. He is a businessman and uses his card for massive business purchases hence he gets such reward points. Don't fool audience. Card companies are now capping such misuse.
22:10
I ve 21 credit card: 1. ICICI Amazon Credit card 2. ICICI coral credit card 3. SBI BPCL octane card 4. SBI simply credit card 5. HDFC Tata neu credit card 6. Idfc select credit card 7. BOB select card 8. BOB HPCL Energie Credit card 9. Federal chelsta credit card 10. Stn Ctd Super value titanium card 11. Hsbc platinum card 12. Kotak white credit card 13. pnb rupay select card 14. Axis Flipkart Credit card 15. Axis My zone credit card 16. Axis Indian oil card 17. SBM Uni Next card 18. Citi Indian oil card 19. Au small Lit card 20. Indus Signature legend credit card 21. RBL Sapphire card Total limit - 40-42 lacs
@lordmoneyengar
Ай бұрын
That’s crazy! How do you distribute your spends across all of them?
@bablududdi225
Ай бұрын
@@lordmoneyengar Category based, i.e grocery, fuel, dining and commercial site based like Amazon, Flipkart etc. mostly 5-7 cards are in regular use and rest are occasionally for specific offers. Apart from these cards my wife is also holding 5 credit cards( in that Sbi cashback and Hdfc dinners millennia cards are in regular use). Till now I never missed credit card payment and that too full payment. One thing, be responsible while using credit cards. Don't go for overspend.
@Dushyantgiri
Ай бұрын
How to manage many credic card payments of so many credit card and track the expense at one place?
@bablududdi225
Ай бұрын
@@lordmoneyengar Category specific uses i.e grocery, fuel, dinning and commercial based like Amazon, Flipkart etc. Credit card are great tools if you use it responsibley. Always make full payment on time. Mostly 4-5 cards are in regular use rest are for occasional offers.
@lokeysh5
Ай бұрын
Mostly are free from annual fees & joining fees.. I'm managing 12 credit cards and earning 4-5k monthly
Faltu ka gyaan nhe chlta bhai
Itni matha fodi krna hi kyo
SBI card fraud hai. Door rehna.
Aaditya this was the worst video.
Un necessary non sense discussion.
useless podcast
I have 7 credit card SBI BPCL OCTANE _ 11400 Limit HDFC BPCL_10800 LIMIT ICICI AMAZON_11000LIMIT AXIS FLIPKART_10400 LIMIT Induslnd Aura edge_12100 limit Pnb Platnium_50k And yes Bank 40k limit
@lordmoneyengar
Ай бұрын
Hope you’re able to optimise properly
@SaidulVlogs2.0
Ай бұрын
@@lordmoneyengar yes brother and other bank loan bhi hai And Cibil Score 778 Hai 8 years old Cibil
@user-cv9cs8ye3f
Ай бұрын
Bhai ye tere card ki limit nahi hai balke upar ki 5 bank ne tumhe card ke nam ki choclet di hai
@bablududdi225
Ай бұрын
I ve 21 credit card: 1. ICICI Amazon Credit card 2. ICICI coral credit card 3. SBI BPCL octane card 4. SBI simply credit card 5. HDFC Tata neu credit card 6. Idfc select credit card 7. BOB select card 8. BOB HPCL Energie Credit card 9. Federal chelsta credit card 10. Stn Ctd Super value titanium card 11. Hsbc platinum card 12. Kotak white credit card 13. pnb rupay select card 14. Axis Flipkart Credit card 15. Axis My zone credit card 16. Axis Indian oil card 17. SBM Uni Next card 18. Citi Indian oil card 19. Au small Lit card 20. Indus Signature legend credit card 21. RBL Sapphire card Total limit - 40-42 lacs
@AbhishekSingh-fo5gz
Ай бұрын
Lifetime free hoga
I am in class 12 and mera interest stock market, nifty, crypto Mai hai to mai v cfa karo
@joshuadias2468
Ай бұрын
MBA- Finance CFA FRM So many options are available.. which will place you into the stock market industry. You have to think of what work you want to be doing on a daily basis? Like what should your profile be?