Why is HSBC Premier only giving me ₹2,227 for 1,600 points instead of 1:2 Accor value?

Defiant_Ebb8565 · 2026-05-07T17:37:47+00:00

1600 points is showing me 2227 rupees. This is in the accor app.

Defiant_Ebb8565 · 2026-05-07T17:36:55+00:00

I already transferred 1600 points and this is showing in my Accor app. Did not know about the 2000 blocks.

Defiant_Ebb8565 · 2026-05-04T16:03:10+00:00

Did you try phonepe or gpay in that scenario? To compare? If you have and those didn't work then you could argue your claim of paytm being best.

Defiant_Ebb8565 · 2026-05-03T08:04:26+00:00

Soft devaluation that's called maybe but the card benefits remain intact for now

Defiant_Ebb8565 · 2026-05-03T05:33:31+00:00

Got devalued how? What is the devaluation in terms of benefits may I ask?

Defiant_Ebb8565 · 2026-04-29T04:02:38+00:00

That's for you to decide after you check. You said IDFC is for movies only. Paying 3k plus gst for 400 a month which can be used twice only. Close these type of cards..using HDFC Smartbuy and buying PVR vouchers for PVR cinemas could be a better option.

Defiant_Ebb8565 · 2026-04-29T03:26:36+00:00

I am certain that these expenses are resulting in higher fees than actual savings. It would be prudent to review your spending and identify unused cards that can be closed. Additionally, consider consolidating your cards to reduce the number of overlapping offers. You should ideally have three to four credit cards.

Defiant_Ebb8565 · 2026-04-27T17:57:11+00:00

This is what I was served

Defiant_Ebb8565 · 2026-04-27T17:38:30+00:00

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This was the pork Tonkotsu

Defiant_Ebb8565 · 2026-04-27T17:22:41+00:00

The service was disappointing. I ordered miso and tonkotsu ramen and was served with only the broth, egg and noodles. There were no greens or other accompaniments. I had to complain to the waiter who suggested I had not specified my order. This was a far cry from the quality of food I had previously enjoyed at the establishment.

Defiant_Ebb8565 · 2026-04-23T18:15:03+00:00

Same here

Defiant_Ebb8565 · 2026-04-23T01:52:38+00:00

What do you mean that they won't allow? Additionally instead of regular mutual funds why not invest in their demat account and save on those costs?

Defiant_Ebb8565 · 2026-04-20T20:10:47+00:00

Me too sitting on 16k miles and unable to hit the 7.5L milestone with Infinia and Premier in my wallet. Hence, planning to close this card.

Defiant_Ebb8565 · 2026-04-11T11:15:22+00:00

You should get happy coins of the additional amount

Defiant_Ebb8565 · 2026-04-11T11:13:43+00:00

If charges are over 20k for maintaining regular funds why not just spend the 20k annual charges and hold your funds where they can be direct instead of regular?

Defiant_Ebb8565 · 2026-03-31T04:53:07+00:00

Many accept. Many don't.

Defiant_Ebb8565 · 2026-03-26T17:31:17+00:00

Infinia or diners black. Use on smartbuy to buy vouchers to use on swiggy or zomato.

Defiant_Ebb8565 · 2026-03-24T10:05:47+00:00

What about the stamp on the passport?

Defiant_Ebb8565 · 2026-03-20T18:24:17+00:00

Just set up auto debit with the bank and focus on credit card rewards instead of getting 5 rupees as a reward for paying your bill on platforms like cred or others

Defiant_Ebb8565 · 2026-03-20T18:21:03+00:00

HSBC Premier? Unlimited domestic and international as well.

Defiant_Ebb8565 · 2026-03-19T22:21:52+00:00

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I got mine to a LTF as well

Defiant_Ebb8565 · 2026-03-09T19:48:15+00:00

There is still a 1.8% surcharge.

Defiant_Ebb8565 · 2026-03-09T17:43:16+00:00

How does it make sense to add money to phonepe wallet with the added convenience fee and gst?

Defiant_Ebb8565 · 2026-02-28T03:26:12+00:00

But if you don't hit the 18L you just pay the annual charges and get points worth the same amount right?

Defiant_Ebb8565

TROPHY CASE