Introducing CardSavvy Plastic Card Club

CardSavvy Plastic card club will be one of the niche group for the premium credit and debit cardholders.

Plastic card club

To enroll in the club, all you need to do is just fill this form. You will receive a welcome email once you are added.

Advantages of joining the club

  • You will receive offer alerts based on card variant you hold
  • Invitation to join our meet-ups in Bangalore, Chennai & Coimbatore (other cities to be added soon)
  • Do not worry, your details are safe and NOT for sale 😉

CardSavvy Plastic Card Club Register

How to check and redeem reward points?

How to Check and Redeem Credit and Debit Card Reward Points

What are Reward Points?

Reward points are the loyalty points earned every time when the credit card or debit card is used online or swiped offline. These reward points can be redeemed to book Hotels, Flights, Bus tickets online. Some banks allow using these Reward Points for buying eCommerce gadgets too.

Generally, Reward Points (RP) are credited for every 50, 100, 150 or 200 rupees spent on the card. Each credit card has a different reward points structure. Each reward point has a conversion value.

Continue reading “How to check and redeem reward points?”

redBus online bus ticket booking added to SmartBuy 10X Reward Points by HDFC

10X Reward Points for Bus Booking

It’s very interesting to see HDFC is adding more products to the SmartBuy portal. SmartBuy already has Flights, Hotels, Experience, Amazon and Flipkart. Since this year is HDFC’s 25th anniversary the 10X Reward Points is extended to most of the credit cards, debit cards, and PayZapp mobile app.

redBus is India’s best online bus ticket booking platform which connects bus travellers with around 2500 bus operators across the country.

redBus was part of 10X reward points partner on Diners Club during last and this year. I should say that I was really using it for almost all my intercity travels. I really felt missed when the partner was discontinued a few months back. And now, I’m super happy to know that HDFC has understood its customers need and had launched bus booking on a large scale and extended 10X reward for all its cardholders.

Continue reading “redBus online bus ticket booking added to SmartBuy 10X Reward Points by HDFC”

How I Manage Multiple Credit Cards?

How I Manage Multiple Credit Cards_

Getting my first credit card

When I first applied for Credit Card in 2013, it was rejected saying I’m not over 23 to apply.

Credit Card Application Rejection Due To Age
Credit Card Application Rejection Due To Age

As soon as I turned 23, on the same day I applied for my first credit from HDFC. It was an HDFC MoneyBack Credit Card, I had no clue on reward points, lounge access or Insurance. I just had it for the feeling of holding one.

Continue reading “How I Manage Multiple Credit Cards?”

HDFC Diners Black 10x Reward Points

HDFC Diners Black 10x Reward Points

One of the best super premium credit cards from HDFC is Dinersclub Black. The reason for it being one of the most wanted credit is the HDFC diners club credit card benefits such as unlimited lounge access and currently running 10X reward points.

One of the main reason for me to hold on to Dinersclub credit card though they have lesser acceptance than VISA and MasterCard is 10X reward points only.

Aug 2019

All the Dinersclub credit cardholders are eligible for SmartBuy and 10x Partners rewards.


Continue reading “HDFC Diners Black 10x Reward Points”

Dineout Gourmet Passport Membership Review

Dineout Gourmet Passport Membership Review

Dineout is one of the best restaurant table booking app in India. Dineout was founded in 2012, it simply meant allowing diners to reserve a guaranteed table at the top restaurants in the city and was acquired by Times Internet Limited in 2014. Times Internet is India’s largest digital products company and the digital venture of Times of India.

According to the company, it provides online reservations for about 6,000 restaurants around the country and serves over 2 crore diners across 11 cities.

About Dineout
About Dineout

Use Dineout to find best restaurants, deals, discounts and offers in:

  • Delhi
  • Mumbai
  • Bangalore
  • Chennai
  • Hyderabad
  • Pune
  • Kolkata
  • Ahmedabad
  • Chandigarh
  • Goa
  • Jaipur

Gourmet Passport

Dineout Gourmet Passport Membership Review
Dineout Gourmet Passport Membership Review

The loyalty membership program of Dineout is Gourmet Passport which gives the Ultimate Dining Privilege. A membership program which gives you exclusive access to Buy 1 Get 1 offers at 800+ partner restaurants.

  • 1+1 on Food
  • 1+1 on Drinks
  • 1+1 on Buffet

The most unique offer on this membership is 1+1 on Buffet. It would be perfect for you to experience a date night in a 5-star hotel by just paying for one person. Believe me, it works. I use to hunt for deals on to get the vouchers before and now not anymore. Continue reading “Dineout Gourmet Passport Membership Review”

TimesPrime Membership Program Review

TimesPrime Premium Membership Program

Loyalty membership programs are becoming more popular in India. I believe this is because Indians are comfortable with a debit card than the credit cards. Usually, credit cards have loyalty programs well established when the volume is high. India had 36.2M credit cards, 846.7M debit cards in January 2018. This clearly shows that Indians love debit cards over credit cards.

About TimesPrime

TimePrime is a comprehensive membership program from Times Internet Limited (TIL). Times Internet is also India’s largest digital products company.

Times Internet Limited Digital Products in India
Times Internet Limited Digital Products in India


Times also has TimePoints another loyalty program which has a co-branded credit card with HDFC, though I’m not sure how successful it is.

Membership fee

The membership fee is 999 INR per year and the membership is available only to Indian. There is also a 30 days free trial for everyone. All you need is an active Indian mobile number and email address.

Bonus offers

  • If you are an active ET Money mobile app users (also a TIL product), the first year membership of TimePrime is free. I personally have availed this offer and I’m so happy with it.
  • If you are a PayZapp mobile app user (HDFC Bank wallet), then you can get a maximum of 50% off as cashback up to 500 INR out of 999 INR. (Referral code: mosw94)

Continue reading “TimesPrime Membership Program Review”

How to make the best use of HDFC Bank Diners Club Black Credit Card?

How to use HDFC Diners Club Black Credit Card

HDFC Bank Diners Club Black is one of the best super premium credit card available in India. I’m using this credit card for more than a year now. This article is my hands-on experience in milking the credit card for getting maximum reward points.

10X Rewards

Diners Club HDFC 10X rewards
Diners Club HDFC 10X rewards

The best thing about the Diners Club is the 10X reward points. I personally think the team behind the Diners Club does an awesome job of shortlisting the partners from day-to-day needs and offer 10X rewards.

I live in Bangalore, I have now started using Zoomcar for weekend getaways, order food on Swiggy, book tickets on BookMyShow, do e-commerce shopping on Myntra, Flipkart or Amazon and make my bill payments using PayZapp Wallet. With these partners, I’m able to cover almost 80% of my monthly needs.

These 10X reward partners are updated on quaterly basis.

Continue reading “How to make the best use of HDFC Bank Diners Club Black Credit Card?”

HDFC Bank Diners Club Black Credit Card Review

HDFC Diners Club Black Credit Card Review

HDFC Diners Club Black is one of the best super premium international credit cards in India. I have huge respect for their strategy and reward points. The team who manages and promotes the card really understands what the customer needs and introduced the 10x partners on travel, food and shopping category. I think I’m personally very loyal to this credit card and proud to make use of it too.

VISA and MasterCard may be the top market share holders for credit cards, but there are other players such as Diners Club International (DCI) and RuPay. Diners Club has an exclusive tie-up with HDFC Bank as issuer in India. DCI has a history from 1950 and was the first charge card. They were acquired by CitiBank in 1981 and later by Discover Financial Services in April 2008.

Look & Feel

  • The card looks elegant black and has a world map in the background
  • The card comes with EMV chip but does not have NFC enabled the contactless option

Reward rate

The card comes with one of the best in class reward rate. I could even say they are unbeatable.

  • Usually, 3.3 % on all the retail spends
  • Accelerated up to 33% during the seasonal promotions
  • Minimum spend is 150 INR and in multiples, 5 reward points for every 150 INR spent
  • Exceptions
    • SmartEMI, EasyEMI, and e-wallet loading transactions will not accrue Reward points.
  • Capping
    • 25,000 reward points per statement
    • Insurance transactions will have a maximum cap of 2,000 per transaction
  • Reward points are valid only for 3 years from the date of accumulation
  • These capping may change from time to time, please visit

Let’s say you spend 1,00,000 INR rupees every month on your credit card for all your lifestyle needs such as paying your restaurant, shopping, medical and travel. You will save 3,300 as reward points. If you spend the same 1L on preferred partners who are on 10X reward promotions then you will have 33,000 which you could use to book flights or hotel. That is what I call it as free money. Continue reading “HDFC Bank Diners Club Black Credit Card Review”

How to save tax using credit card reward points in India?

Save Tax using Credit card reward points

There are many innovative ways to make use of the reward points from credit cards. I know a lot of savvy users make use the credit card reward points to redeem them for flight tickets, hotel stays, gift vouchers and electronics.

March is always a dry month for most of the salaried individuals. I was always wounding when will India allow us to make tax-saving investments using a credit card. To my surprise the National Pension Scheme (NPS) allows us to make the investment using a credit card. Contributions made to the National Pension Scheme (NPS) comes under 80CCD deductions. Continue reading “How to save tax using credit card reward points in India?”

CRED Mobile App Review – The Best Way To Pay Credit Card Bill In India

CRED Mobile App

The best way to use the credit card is to take advantage of interest-free credit days, accumulate reward points, review your spending from the statement, pay on time and full outstanding. Using a credit card is discipline, loyalty, and power. Spending money is always the fun part and paying it back is the most boring. What if the bill paying is also fun and rewarding. Yes, you can get reward points even for paying your credit card bills.

What is CRED app?

CRED is a members-only app which rewards you with exclusive rewards for paying your credit card bill. The most rewarding credit card payment app ever in India. You can download the app and apply to be a member.

CRED background

It’s founded by Kunal Shah, founder of freecharge which was also a loyalty reward platform for bill payments. CRED had secured $30M in funding and has a 50+ strong team. Continue reading “CRED Mobile App Review – The Best Way To Pay Credit Card Bill In India”