Thanks, @ankitdewan, for this very informative guide to Vietnam!

Attention SBI CB × CRED GV buyers 🚨 DREAMPLUG PAYTECH SOLUTIONS PRIVATE LIMITED merchant name is now showing in 2 variants: 1️⃣ Via Razorpay payment gateway → MCC 7311 ☑️ Eligible for 5% cashback. 2️⃣ Via direct SBI payment gateway → MCC 5947 ❌ No cashback. Check the Images for reference 👇

Looks like HDFC has improved its handling of promotional rewards. SmartBuy rewards on Infinia have always been credited correctly in my experience, but lately even targeted campaign rewards are getting fulfilled without any follow-ups. ➤ Received promotional rewards on Infinia: ₹1,000 voucher on just ₹2,000 spend (4×₹500 transactions) → 50% reward rate ( 16.5%) ➤ On Millennia, the ₹1,000 quarterly milestone voucher continues to be credited immediately after hitting ₹1L spends. That's effectively an extra 1% reward on top of: 🔹 5% cashback on Amazon/Flipkart/Myntra 🔹 Frequent 10% instant discount offers Millennia remains one of the most underrated cashback cards in the market. 👏💳

💸Joining bonus for my HSBC Premier Credit Card has been credited, and more points should post this month as I've shifted a significant portion of my spends from Infinia to Premier. Joining Bonus ~₹44,000 worth of Accor stays. 🏨 Also, I've received a huge number of DMs for Premier RM details. Will try to get back to everyone by next week. Not taking any new requests for now until the RM has started working on the existing requests. Thanks for understanding.

🚨 HSBC × Unicorn accelerated rewards offer is now live 🔥 Eligible HSBC Credit Cards can now earn accelerated reward points via the exclusive HSBC × Unicorn portal 🧵👇 Eligible HSBC credit cards💳 • HSBC Privé Credit Card → 6X rewards (30 points per ₹150) • HSBC Premier Credit Card → 6X rewards (18 points per ₹100) • HSBC Visa Platinum Credit Card → 5X rewards (10 points per ₹150) • HSBC RuPay Platinum Credit Card → 5X rewards (10 points per ₹150) 📌 Key Things to Know: • Offer valid till 31 July 2026 • Accelerated rewards credited within 45 days • Reward cap: 20,000 accelerated points per month • Only full swipe transactions eligible • EMI/IEMI transactions not eligible

Yesterday's rate was 15699 - 2% for own brand for other brands(24K) 15699 - 3%

Looks like Axis Cashback could be next. Cashback cards have seen one devaluation after another this year.

It’s Indian Bank 👀 RSDC RuPay Wellness benefits per card: • ₹1500 Spa/Lakme Salon voucher every quarter • 1 month Cult Elite access every quarter • Prime Video or Sony LIV subscription every year • Health check-up every quarter • Uber ₹100 voucher every quarter RSDC issuance charges: ₹499 GST per card indianbank.bank.in/departmen… Lounge access: 1 per quarter with previous quarter ₹5k spend requirement. Debit card reward structure: • First ₹10k spend → 1 pt / ₹200 • ₹10k–30k → 1.5 pt / ₹200 • Above ₹30k → 2 pt / ₹200 1 point = ₹0.25 Max 10k points/month = ₹2500 value. Reward rate is low (~0.25% max), but still useful where credit cards aren’t accepted. Interesting part: Wallet loads are excluded, but most other categories are eligible (with some limits). More details: indadvantage.indianbank.bank… Process: • Visit branch & open a General Savings Account • Currently, no MAB charges • Online account opening is also possible, but may have transaction limits first debit card activation may require a branch visit • Once the account is active, add-on cards can be applied/activated directly from the app itself DYOR. This can change anytime, similar to how BOB later capped debit cards to 2 per account. Wouldn’t suggest hoarding multiple add-ons. It is better to have a Canara account instead. DM if you have any doubts.

Forgot to add one point on reward, 10K points have a limit at the customer ID level, not per card.