There are multiple pros of credit cards if you use it properly. You can get ample discounts on your day to day purchases, can get discounted hotel stays along with discounted flights rate.
Moreover, you can accumulate rewards and burn them for free hotel stays and free flights. But you need right set of credit cards to achieve this and combine multiple offers to get maximum discount / rewards. Just to tell you guys about my recent redemption: I got a free stay worth Rs. 11,500 at Pune’s Taj hotel with Rs.0 spending out of my pocket. This is how i did it - I redeemed my Rs.10,000 taj stay voucher which I received by completing milestone on my Amex credit card. The balance amount of approx Rs.1500 was redeemed with Neucoins which i earned with Tata neu plus card. The taj stay voucher and neu coins earned were earned by daily spending which everyone does. Although Amex cards are hard to get these days, as only premium cards are issued in India, but you can reap other benefits with LTF cards as well. There are many more examples including how I extract 25% rewards on my daily commute to office via Uber cab, etc. So, here’s a whatsapp group where we discuss all the credit cards related hacks and strategies https://chat.whatsapp.com/CTTiqHvKi823qKr6iDjRSa?mode=gi_t Feel free to join the group and be a master in optimizing your card spends and get maximum rewards out of it. - Ajinkya On Wed, Jun 10, 2026 at 8:55 AM Mister Kayne <[email protected]> wrote: > Dear Shankar, > > > > Thank you for your candid email. I appreciate you taking the time to share > your perspective, and I want to start by saying that I am genuinely sorry > you feel this way. It is deeply disheartening to read that my contributions > have been perceived as a disruption or a personal attack, as that is truly > the last thing I would ever intend. > > > > I have always believed that we are all entitled to our own opinions. While > I have historically been critical of certain processes and accessibility > standards, I have done so with the goal of fostering honest dialogue. I > have never intended to criticize the efforts of the CCPD or the dedicated > members of this mailing list, and I am surprised—and saddened—to hear that > my recent correspondence has come across as intentionally negative or > cynical. It is difficult to read such a characterization of my intentions, > as I value this community and the progress we are all striving for. > > > > Regarding my past comments, I see them as a reflection of my personal > experiences and a desire to remain grounded in the realities I have > observed. However, I hear your point that these expressions can be > disheartening to others, and I take that feedback seriously. It was > certainly not my intent to dampen anyone's enthusiasm, especially that of > the younger generation who are doing such vital work. > > > > Thank you again for being open with me. It is helpful to hear your side of > the story, even if it is difficult to read. I genuinely respect the work > you and others continue to do, and I will reflect on your comments as I > navigate future discussions. > > > > Warm regards, > > > > Mister Kayne > Author: The Somebody, Nobody, Anybody & Everybody Blog! > <https://www.mister-kayne.com/> > > Mail: [email protected] > > Sent from Outlook® for Windows 11 > > > > > > *From:* [email protected] <[email protected]> *On > Behalf Of *Shankar C > *Sent:* Wednesday, June 10, 2026 5:03 AM > *To:* [email protected] > *Subject:* Re: [AI] RE: a news regarding credit card application > > > > It is certainly not my intention to silence anyone or suppress your > individual perspective, nor do I wish to stifle open communication within > this forum. However, I find it deeply concerning that I have yet to > encounter a single constructive, encouraging, or positive contribution in > any of your recent email correspondence. It feels as though you are > compelled to intervene in almost every ongoing discussion, only to steer > the trajectory of the conversation toward a needlessly negative, cynical, > or dismissive tone. I must ask whether this is a conscious, intentional > strategy on your part to cultivate a reputation rooted entirely in > pessimism, as it consistently disrupts the flow of productive dialogue and > demoralizes the members of this group. > > When we look back at the historical context of our advocacy, it is clear > that there was very little serious focus on disability accessibility or the > comprehensive implementation of Indian accessibility guidelines. However, > thanks to the persistent, dedicated efforts of the CCPD and our judiciary, > we have witnessed significant, measurable improvements in our field that > deserve to be recognized. I am genuinely struggling to understand why you > seem either unable or unwilling to acknowledge this clear and impactful > progress. You consistently respond to legitimate, hopeful updates with > discouraging phrases such as "it didn't happen," "it's not happening," or > "it won't happen," which serves only to dampen the enthusiasm of others and > derail progress. I sincerely ask that you take some time to reflect on your > approach and consider the impact your words have on our community. Please, > allow the younger generation the space, encouragement, and support they > need to take the lead in this vital mission without constant, wearying > discouragement. > > > > On Tue, Jun 9, 2026 at 1:30 PM Mister Kayne <[email protected]> > wrote: > > Sorry what was this message about? Are we not to share personal > experiences about this service? > > Warm regards, > > > > Mister Kayne > Author: The Somebody, Nobody, Anybody & Everybody Blog! > <https://www.mister-kayne.com/> > > Mail: [email protected] > > Sent from iPhone® > > > > > > > On 9 Jun 2026, at 1:07 PM, Shankar C <[email protected]> wrote: > > > > Always negative negative negative. Negative, negative, negative Negative, > negative, negative > > > > On Sun, Jun 7, 2026 at 11:55 AM Mister Kayne <[email protected]> > wrote: > > Well, banks are happy to offer you credit cards as they are the best > source of income for them. I remember a time when I used to get a minimum > of 5 calls a day for credit cards with very tempting offers and credit > limits. I ain’t that fool anymore to fall into their trap. > > However, thank you for sharing your experience. > > > > *From:* [email protected] <[email protected]> *On > Behalf Of *gufran ahmed > *Sent:* Sunday, June 7, 2026 11:15 AM > *To:* AccessIndia <[email protected]> > *Subject:* [AI] a news regarding credit card application > > > > Hello friends, I hope that you all are fine with good health. > > > > Recently I had applied for I.D.F.C first bank credit card. And I have > received the same, so I thought I must share here > > > > Last week I applied for their card online. After filling necessary . > Details like name and other details, it will ask you for instant video KYC, > here one should choose schedule for later. > > Under the schedule menue, you will be asked to date and time slot and KYC > option. > > Choose biometric kyc, and select the address where you want to be your > KYC to be done wiz home or office address. Keep your aadhar card ready and > your done after varification. > > > > No signature required, no dissability related details asked. > > > > Hope this information helps someone who is looking for credit card. > > > > I have no idea about other banks accept ICICI and IDFC. > > -- > Disclaimer: > 1. Contents of the mails, factual, or otherwise, reflect the thinking of > the person sending the mail and AI in no way relates itself to its veracity; > > 2. AI cannot be held liable for any commission/omission based on the mails > sent through this mailing list.. > > > Search for old postings at: > http://www.mail-archive.com/[email protected]/ > --- > You received this message because you are subscribed to the Google Groups > "AccessIndia" group. > To unsubscribe from this group and stop receiving emails from it, send an > email to [email protected]. > To view this discussion visit > https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/BYAPR02MB4759A0A7B15886FE7E6F4DE6FD1F2%40BYAPR02MB4759.namprd02.prod.outlook.com > <https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/BYAPR02MB4759A0A7B15886FE7E6F4DE6FD1F2%40BYAPR02MB4759.namprd02.prod.outlook.com?utm_medium=email&utm_source=footer> > . > > -- > Disclaimer: > 1. Contents of the mails, factual, or otherwise, reflect the thinking of > the person sending the mail and AI in no way relates itself to its veracity; > > 2. AI cannot be held liable for any commission/omission based on the mails > sent through this mailing list.. > > > Search for old postings at: > http://www.mail-archive.com/[email protected]/ > --- > You received this message because you are subscribed to the Google Groups > "AccessIndia" group. > To unsubscribe from this group and stop receiving emails from it, send an > email to [email protected]. > To view this discussion visit > https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/TYZPR02MB91717704884AA8603C59876B9D1F2%40TYZPR02MB9171.apcprd02.prod.outlook.com > <https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/TYZPR02MB91717704884AA8603C59876B9D1F2%40TYZPR02MB9171.apcprd02.prod.outlook.com?utm_medium=email&utm_source=footer> > . > > -- > Disclaimer: > 1. Contents of the mails, factual, or otherwise, reflect the thinking of > the person sending the mail and AI in no way relates itself to its veracity; > > 2. AI cannot be held liable for any commission/omission based on the mails > sent through this mailing list.. > > > Search for old postings at: > http://www.mail-archive.com/[email protected]/ > --- > You received this message because you are subscribed to the Google Groups > "AccessIndia" group. > To unsubscribe from this group and stop receiving emails from it, send an > email to [email protected]. > To view this discussion visit > https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/CAKwMOJ1AtJuDXXa5YmCJ_r%3D8gq6fM0VOKC7wVQPB%3DoPYpCPP5Q%40mail.gmail.com > <https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/CAKwMOJ1AtJuDXXa5YmCJ_r%3D8gq6fM0VOKC7wVQPB%3DoPYpCPP5Q%40mail.gmail.com?utm_medium=email&utm_source=footer> > . > > -- > Disclaimer: > 1. Contents of the mails, factual, or otherwise, reflect the thinking of > the person sending the mail and AI in no way relates itself to its veracity; > > 2. AI cannot be held liable for any commission/omission based on the mails > sent through this mailing list.. > > > Search for old postings at: > http://www.mail-archive.com/[email protected]/ > --- > You received this message because you are subscribed to the Google Groups > "AccessIndia" group. > To unsubscribe from this group and stop receiving emails from it, send an > email to [email protected]. > To view this discussion visit > https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/TYZPR02MB9171DC43656A931AE6E37D499D1D2%40TYZPR02MB9171.apcprd02.prod.outlook.com > <https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/TYZPR02MB9171DC43656A931AE6E37D499D1D2%40TYZPR02MB9171.apcprd02.prod.outlook.com?utm_medium=email&utm_source=footer> > . > > -- > Disclaimer: > 1. Contents of the mails, factual, or otherwise, reflect the thinking of > the person sending the mail and AI in no way relates itself to its veracity; > > 2. AI cannot be held liable for any commission/omission based on the mails > sent through this mailing list.. > > > Search for old postings at: > http://www.mail-archive.com/[email protected]/ > --- > You received this message because you are subscribed to the Google Groups > "AccessIndia" group. > To unsubscribe from this group and stop receiving emails from it, send an > email to [email protected]. > To view this discussion visit > https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/CAKwMOJ09Dp-6WHL1TViaz24kFUHw%2BFFUqOkdVrshQbPcYaZ6uA%40mail.gmail.com > <https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/CAKwMOJ09Dp-6WHL1TViaz24kFUHw%2BFFUqOkdVrshQbPcYaZ6uA%40mail.gmail.com?utm_medium=email&utm_source=footer> > . > > -- > Disclaimer: > 1. Contents of the mails, factual, or otherwise, reflect the thinking of > the person sending the mail and AI in no way relates itself to its veracity; > > 2. AI cannot be held liable for any commission/omission based on the mails > sent through this mailing list.. > > > Search for old postings at: > http://www.mail-archive.com/[email protected]/ > --- > You received this message because you are subscribed to the Google Groups > "AccessIndia" group. > To unsubscribe from this group and stop receiving emails from it, send an > email to [email protected]. > To view this discussion visit > https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/TYZPR02MB9171418AC0BCED95216231EB9D1A2%40TYZPR02MB9171.apcprd02.prod.outlook.com > <https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/TYZPR02MB9171418AC0BCED95216231EB9D1A2%40TYZPR02MB9171.apcprd02.prod.outlook.com?utm_medium=email&utm_source=footer> > . > -- Disclaimer: 1. Contents of the mails, factual, or otherwise, reflect the thinking of the person sending the mail and AI in no way relates itself to its veracity; 2. AI cannot be held liable for any commission/omission based on the mails sent through this mailing list.. Search for old postings at: http://www.mail-archive.com/[email protected]/ --- You received this message because you are subscribed to the Google Groups "AccessIndia" group. To unsubscribe from this group and stop receiving emails from it, send an email to [email protected]. To view this discussion visit https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/CA%2BKDu%2BkGo6uh6VoDH4%2Bz9di3QBJRv-2HRNzJ%2B0J6mg8q%3DzySig%40mail.gmail.com.
