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India That is Bharat
Joined May 2010
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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 😉
Seeing quite a few people who were previously rejected for SBI cards due to overleveraging getting instantly rejected for the new Eternal SBI Card (Zomato), while a few others are getting approved too. It's a hit and miss. 👀
But here's the catch. Once rejected, you may have to wait 3 months before applying for another SBI card, potentially ruling yourself out of the upcoming Air India SBI Card during that window.
IMO, if you're specifically waiting for the Air India card, it makes more sense to wait and try your luck with that rather than risk a rejection now.
Of course, everyone can follow their own strategy. There's no right or wrong here.
But both are co branded SBI cards, so if the underlying issue is the same, why not wait for the Air India card you're actually interested in? 👀
The email directs customers to the Easy Access Savings Account charges chart, which mentions a maximum penalty of ₹600.
However, when you select the Burgundy Savings Account from the dropdown, the charges listed are NIL.
So which one actually applies to Burgundy customers? Typical 🪓s
🚨 Devaluation Alert from @AxisBank : Non-maintenance charges loading for Savings Accounts including Burgundy Accounts!
Would’ve been another iconic Ravi Shastri commentary moment if he’d continued with “Om Namah Shivay” 🙏
Maybe next time, sir! @RaviShastriOfc
Paypal
So many of you DMed asking what’s the best way to cash out from Topcashback and whether PayPal works, here’s my latest update 👇
📅 Date Requested: Sep 13, 2025
📅 Date Payment Made: Sep 15, 2025
✅ Amount credited to PayPal, and from PayPal it auto-credits to bank within a day.
⚠️ Note: PayPal exchange rates are poor, you lose around 4–5% overall vs what hits your bank.
💡 Alternative: Cash out via Virtual Visa Prepaid Card with 5% bonus (credited in USD), great option if you have forex spends planned.
👉 Personally, I still prefer the cash option via PayPal, even if it’s slightly less. DYOR.
As of now, NordVPN, FastestVPN, and ExpressVPN are offering 100% cashback 💸
Sign up with my referral link 🔗 topcashback.com/ref/smartspe… and DM me your username to claim your ₹1000 Amazon Pay voucher (once you earn $10).
