Contest tnc :
1. 10 lucky winners will be randomly chosen from comments!
2. Each Winner will Get Rs.100 Amazon Voucher
3. Contest ends on 9th December 2023!!
Finance
Credit Card
SBI Cashback credit card - every month purchased Amazon gv and resell at 1.5% off to 2% off.
Other gift voucher purchased at 5% to 10% discount rate - fuel gv, zomato gv, swiggy gv,, bigbasket gv etc and earned 5% extra SBI cashback credit card.
Total monthly approx Rs5000 earned on SBI Cashback credit card through all the tricks.
For me great moments were to use rupay credit cards this year. I have 2-3 rupay credit cards. (PNB Select, BoB Snapdeal and HDFC Tata Neu)
- On reliance smart bazaar (Flat 400 on 1500)
- On starbucks ( Flat 100% upto 1000)
- 500 flat on Snapay
- On Snapdeal 20% upto 500 on gv purchase
I had received 60 cashback points via Tata neu rupay CC. I used them to buy S Numlo medicine 
☹️
Monthly 500 cb from fc plus cc
Insurance payment of 1L hdfc gave 3000points, redeemed for 1K Amazon voucher, 2500 points ICICI gave 1k fk voucher. Best of luck to everyone
Used my flipkart coins to buy items at cheap rate during flipkart sale
i get bookmyshow vouchers from rewards points regularly
Got a lot from Amazon pay icici card
I earned it buy paying my college fee using Amazon pay credit card.
The catch is I paid almost 6 people fee using the card in a most funny way. So, the things is, I was there to pay my semester fee and it was a last day. I usually pay through UPI but then saw the pos machine in the college then thought to ude the Amazon Pay ICICI card. I after paying the fee, saw that few came down saying UPI is not working and transaction is getting failed. I in the name shake of help, paid 3 sad people semester feel then and there. Another day, I checked the rewards in imobile and it was showing rewards. So then, I went to the fee payment office and told the sir to pay fee if there is anyone in need. He agreed so in 2 days I paid 3 more people. Fortunately, the date was extended to 15 days more but I only captured 6 people in the process. Later, I got busy in other things and the number of students are also reduced as that was the extended date. But I will definitely pay my friends fee in next semester using my card.
kotak league rupay. I use this to pay most upi retailers (thankfully retailers around me have not disabled cc upi). I get 0.25% against bill. I then pay the kotak Cc bill using hdfc dc to get 1% cb.
1.25% cb on every upi is great when all the cards involved are ltf
Got a scam call ... Indusland bank
Free points... On new CC or valued customers
Giving 20k points ... Value 1 point = 1 rupees
will release points after some .. verification....
Be careful guys 
I'm holding entry to mid level credit cards only, so, no crazy story as such but this calendar year, I've availed a few reward points which made me happy and those are :
I purchased 2 sofas for my maternal grandfather using SBI Cashback CC from Pepperfry, so, got upwards of Rs. 5k credited in statement and this was around starting of the year.
Using Tata Neu Infinity RuPay HDFC Bank CC, I paid Rs. 1 lac/lakh for purchasing two-wheeler and got 1,500 NeuCoins. This was before 500 NeuCoins capping per month was imposed.
I was even able to pay off SBI credit card bill using Tata Neu Infinity RuPay HDFC Bank on Park+ before the glitch was fixed. Got 1.5% cashback as NeuCoins on bill of approx. Rs. 19k - 20k.
I've also used IDFC First Bank Wealth CC to load Paytm wallet with occasional offers wherein convenience fee was credited back to Paytm fuel wallet and that gave me reward points with an effective reward rate of 1.5% which are yet to be redeemed as they don't expire and there's a redemption charge of Rs. 99 + 18% GST.
I was even able to load PayZapp wallet for approx. Rs. 8k - 9k and used that amount to pay off SBI credit card bill. Got reward points with an effective reward rate of 1.5%
By far, these have been top of the line reward points / cashback earnings this year. Hoping to up my credit card game and get some premium credit cards with higher reward rate and much more benefits.
Regalia Gold credit card...Got 10k reward points extra for spending over 5 lakhs in a year(recently upgraded from Regalia to regalia gold, smartbuy tracking previous amount spent also on regalia), 1500 Myntra voucher for spending 1.5 lakh in 3 months and got 5k flight voucher for spending 5 lakh in a year
Cashback received for Amazon pay ICICI credit card which is very useful for regular Amazon shoppers
Amazon pay icici card brilliant. Spent handsome amount for first time by buying mobile and points received directly in my amazon account
I redeemed 2500 HDFC MB Card points and successfully redeemed 500 BB Voucher 
Mine has to be tataneu infinity card.... Use it quite often on croma... Specially during IPL to get additional rewards.... And also the 5% on utility bills!.. my preferred card now
Apay ICICI,
Via shopping credited directly in Amazon Wallet
488 reward points
Accumulated 22k worth points on my tataneu hdfc card and had 3k croma vouchers from cheq when it was really rewarding. Purchased OnePlus 11R 16/256 at 19956.
Got spend based offer twice on Regalia CC, completed the transactions within offer period.
Received regular rp for one transaction, bonus+regular rp for second transaction.
Received 2 AMZ gvs for completing the two spend based offers and redeemed all RP for 4 more AMZ gvs. Used 4 AMZ gvs for purchasing geyser and phones for my grandparents.
IndusInd legend has milestone rp during Diwali. Met the criteria for 3X RP during the offer period and currently use those for Paywithrewards redeption
Not cc but used IDFC DC points earned for Amazon pay 15k vouchers in a short span of time.
Have 2L points on hdfc infinia and Amex platinum travel each. Yet to redeem those though.
time waste
using Amazon pay card and using Cb for bills payment
Received Myntra voucher for spending 50K in HDFC Money Back card.
My friend uses my credit card to swipe and take cash from vendors, got 10000/- worth points in IDFC and I redeemed them for Amazon gift vouchers.
![Instamart Society Tea Premium Leaf Tea 1Kg [location specific]](https://cdn3.desidime.com/topics/photos/1811724/medium/Screenshot2024-06-29at2.58.30PM.png?1719654061)
Went to Peter England store and bought a few clothes under buy 4 get 9 offer... asked the lady to swipe AmEx cards for 1500×4 + 1000×3 for 9196 order... got 1000 bonus points for both MRCC and Gold Card (did 3 swipe of 1000 each at Park+ for petrol)... completed 18K points, redeemed 18K points for 7K Amazon voucher, and bought a mobile for mother from the same...
bought a car (maruti brezza) using cc
tata neu infinity = 12000 neu coins
idfc first select = 2% of 2 lakhs
axis ace =2% of 2 lakhs
Bought a lenovo laptop. Had a disc code, combined with an affiliate cashback of 5%, paid via CC and received 10% cashback. The CC was an IDFC variant, so, I had obviously activated Kshushiyan First Offer. So, It should give some 3.5% around extra cashback on top of it. Paid the bill via HDFC billpay site n got 1% cashback. Nice naa.