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CA Niraj Dugar (Holistic Prime Wealth)
India
Приєднався 29 січ 2022
I am Chartered Accountant and a partner at Holistic Prime Wealth. I am passionate about personal finance and we assist our family of clients in goal planning, emergency planning, tax planning and filing, estate planning and credit cards planning. Here on this channel, we are going to focus on understanding the world of credit cards and figure out how to travel luxuriously and figure out personal finances along the way. Thank you for subscribing!
For Business Enquiries reach out to me:
dugarniraj@gmail.com
For Business Enquiries reach out to me:
dugarniraj@gmail.com
HDFC Biz Black Long-Term Review: The TRUTH after 6 Months
In today's video, I've talked about HDFC Biz Black credit card. I've given a long-term review of the card since I've been using it personally for the past 6 months. Get to know everything about this credit card, including eligibility, where to use it? features and more.
Sign up for my newsletter - rzp.io/l/cardsandrewards
Apply for HDFC Credit Cards:
tinyurl.com/uwcv63tr
Get All American Express Credit Cards:
americanexpress.com/en-in/referral/membership-rewards?ref=nIRAJDU7nK&XL=MIMNS
Apply for HDFC Tata Neu Credit Card:
www.tatadigital.com/v2/finance/creditcard/product-detail?referralCode=NIRA147&NIRA147&ReferralModal
--------------------------------------------
PRODUCTS I USE:
iPhone 15 pro max - amzn.to/3RomwDs
Airpods pro - amzn.to/3RppO9v
Featherlite chair - amzn.to/3z6tQgo
DJI Osmo - amzn.to/3Rmq4Ws
Rode Wireless Go II - amzn.to/3z8o51J
Featherlite desk -amzn.to/3Xla4YB
Garmin 245 - amzn.to/3VsSAY2
Macbook Pro M1 - amzn.to/3VnMrfC
Logitech MX Master 3S - amzn.to/4bWbk9c
Logitech MX Keys - amzn.to/3yZ5gy8
iPad pro - amzn.to/4ejruuQ
Ring light - amzn.to/4enlxx9
Timestamps
0:00 Intro
0:08 Chapters
0:25 Eligibility
1:08 Fees
1:30 Features
2:34 Global Value Program
3:35 Newsletter
4:34 Redemptions
5:28 Personal Experience
6:34 Should You Take This Card?
7:15 Outro
If you found this video helpful, please give it a thumbs up and subscribe to my channel for more tips on maximizing your credit card rewards! Leave your questions in the comments below, and I'll cover them in future videos.
Thank you for watching!
#creditcardrewards #hdfccreditcard
Sign up for my newsletter - rzp.io/l/cardsandrewards
Apply for HDFC Credit Cards:
tinyurl.com/uwcv63tr
Get All American Express Credit Cards:
americanexpress.com/en-in/referral/membership-rewards?ref=nIRAJDU7nK&XL=MIMNS
Apply for HDFC Tata Neu Credit Card:
www.tatadigital.com/v2/finance/creditcard/product-detail?referralCode=NIRA147&NIRA147&ReferralModal
--------------------------------------------
PRODUCTS I USE:
iPhone 15 pro max - amzn.to/3RomwDs
Airpods pro - amzn.to/3RppO9v
Featherlite chair - amzn.to/3z6tQgo
DJI Osmo - amzn.to/3Rmq4Ws
Rode Wireless Go II - amzn.to/3z8o51J
Featherlite desk -amzn.to/3Xla4YB
Garmin 245 - amzn.to/3VsSAY2
Macbook Pro M1 - amzn.to/3VnMrfC
Logitech MX Master 3S - amzn.to/4bWbk9c
Logitech MX Keys - amzn.to/3yZ5gy8
iPad pro - amzn.to/4ejruuQ
Ring light - amzn.to/4enlxx9
Timestamps
0:00 Intro
0:08 Chapters
0:25 Eligibility
1:08 Fees
1:30 Features
2:34 Global Value Program
3:35 Newsletter
4:34 Redemptions
5:28 Personal Experience
6:34 Should You Take This Card?
7:15 Outro
If you found this video helpful, please give it a thumbs up and subscribe to my channel for more tips on maximizing your credit card rewards! Leave your questions in the comments below, and I'll cover them in future videos.
Thank you for watching!
#creditcardrewards #hdfccreditcard
Переглядів: 6 009
Відео
Ranking Worst to BEST American Express Credit Cards 2025 (My Honest Review)
Переглядів 24 тис.21 годину тому
In today's video, I rank worst to best American Express credit cards in 2025. I've discussed all the American Express credit cards available in India, as well as their requirements, benefits, and rewards rates, using Excel calculations. Sign up for my newsletter - rzp.io/l/cardsandrewards Get American Express Credit Card: (close the pop up and click on view all cards, select the card you want t...
Welcome to My Channel | CA Niraj Dugar
Переглядів 1,5 тис.День тому
Sign up for my newsletter - rzp.io/l/cardsandrewards HDFC Tata Neu Credit Card - www.tatadigital.com/v2/finance/creditcard/product-detail?referralCode=NIRA147&NIRA147&ReferralModal Apply Credit Cards Using These Links for Quick Approval: AXIS ATLAS- tinyurl.com/3zf3p94t AXIS MAGNUS- tinyurl.com/caruxx2k HDFC MARIOTT- tinyurl.com/379jd5zx Get American Express Credit Card: americanexpress.com/en-...
I Found the Best UPI Credit Card 2025 (My Honest Review)
Переглядів 14 тис.14 днів тому
Discover the benefits of the Yes Bank Kiwi Credit Card, India's top UPI credit card for 2025! Earn up to 5% cashback, enjoy lounge access, and more. Watch now to see if it’s the right fit for you! 🔗 Apply Here: tinyurl.com/bwampe9s USE THESE LINKS TO GET EXTRA BENEFITS: SBI CASHBACK- tinyurl.com/37jr2p9d INDUSIND- tinyurl.com/mw7k9hnh AXIS OLYMPUS- tinyurl.com/mrfx4vmy AXIS ATLAS- tinyurl.com/y...
Do Baniye Share Their Credit Card Hacks to Redeem Free Flights & Hotels
Переглядів 14 тис.14 днів тому
Join our special guests Manasi and Sanket from "Do Baniye" in the first episode of our podcast, where they share everything about credit cards. From their own credit card journeys to money-saving hacks and dealing with overspending, they cover it all. Tune in and learn how you can make the most out of your credit cards, and join their "Do Baniye" community. WhatsApp Channel: whatsapp.com/channe...
Everything You NEED to Know About Marriott Bonvoy Program
Переглядів 9 тис.21 день тому
Discover everything you need to know about the Marriott Bonvoy program in this comprehensive video. From luxurious properties to long-term stays, I cover it all. Learn about the various Marriott properties, how to earn and transfer points, available credit cards, loyalty levels, the Club Marriott program and tips for redemption. Whether you're a seasoned traveler or new to the world of rewards ...
How To Buy Car With Credit Cards || Must Watch Before Buying A Car
Переглядів 31 тис.Місяць тому
In this video, I've shared my best strategy for buying cars with a credit card. I've shown the Excel calculation to save up to 11% or Rs. 153,000 on buying a 15 Lakh car in India. I've shared the best credit cards to buy a car, such as Axis atlas, American Express platinum travel card, Sbi KrisFlyer credit card, and co-branded Vistara credit card. Watch this video till the end and claim your re...
My Absolute Best Strategy To Redeem Nights At Marriott, Accor, ITC and Taj
Переглядів 15 тис.Місяць тому
Discover the ultimate guide to redeeming your credit card points for luxury hotel stays! In this video, I share my best strategies for maximizing credit card rewards with top hotel groups like Marriott, Accor, Taj, and ITC. Learn how I transfer points from credit cards, get the best redemption value, and which countries offer the most bang for your points. Sign up for my newsletter - rzp.io/l/c...
The Best Lifetime Free Card of 2024 & A Giveaway 🚀🔥
Переглядів 9 тис.Місяць тому
The Best Lifetime Free Card of 2024 & A Giveaway 🚀🔥
Ranking Worst to Best SBI Credit Cards (My Honest Review)
Переглядів 7 тис.Місяць тому
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Should Beginners Try These Cards (My honest review...)
Переглядів 3,7 тис.Місяць тому
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Ranking EVERY Credit Card From BEGINNER to ADVANCE (5-50 Lakh)
Переглядів 32 тис.2 місяці тому
Ranking EVERY Credit Card From BEGINNER to ADVANCE (5-50 Lakh)
My Favourite Credit Card to OPTIMIZE Expenses | HDFC Tata Neu
Переглядів 15 тис.2 місяці тому
My Favourite Credit Card to OPTIMIZE Expenses | HDFC Tata Neu
Which Credit Cards in My Wallet | 2024 Edition
Переглядів 12 тис.2 місяці тому
Which Credit Cards in My Wallet | 2024 Edition
Should You Take HDFC Biz Black Card? (My honest review..)
Переглядів 12 тис.2 місяці тому
Should You Take HDFC Biz Black Card? (My honest review..)
I Will Never Take This Card (if these benefits removed)
Переглядів 6 тис.3 місяці тому
I Will Never Take This Card (if these benefits removed)
Uncovering the SECRETS of SBI Cashback
Переглядів 10 тис.3 місяці тому
Uncovering the SECRETS of SBI Cashback
Unboxing IndusInd Eazydiner Credit Card (My Honest Review)
Переглядів 9 тис.3 місяці тому
Unboxing IndusInd Eazydiner Credit Card (My Honest Review)
Should My Friend Get These Three Credit Cards?
Переглядів 13 тис.3 місяці тому
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Revealing My LATEST Credit Card STRATEGY
Переглядів 15 тис.3 місяці тому
Revealing My LATEST Credit Card STRATEGY
Is Axis Olympus Credit Card WORTH It for High Spenders?
Переглядів 9 тис.4 місяці тому
Is Axis Olympus Credit Card WORTH It for High Spenders?
My Credit Card Strategy for Couples (2024)
Переглядів 9 тис.4 місяці тому
My Credit Card Strategy for Couples (2024)
Ranking Worst to Best HDFC Credit Cards (My Honest Review)
Переглядів 72 тис.4 місяці тому
Ranking Worst to Best HDFC Credit Cards (My Honest Review)
My Framework to Earn 5 Lakh Amex Points...
Переглядів 11 тис.4 місяці тому
My Framework to Earn 5 Lakh Amex Points...
The Most Overrated Cards According To Me (Even Though I Own Some of Them)
Переглядів 22 тис.5 місяців тому
The Most Overrated Cards According To Me (Even Though I Own Some of Them)
Ranking EVERY Credit Card From WORST to BEST Usage
Переглядів 56 тис.5 місяців тому
Ranking EVERY Credit Card From WORST to BEST Usage
How I Use Amex Points to Book Free Hotels for My Family & Friends..
Переглядів 12 тис.5 місяців тому
How I Use Amex Points to Book Free Hotels for My Family & Friends..
How I Maximize Amex Points like Crazy (Free Flights, Hotels & More..)
Переглядів 30 тис.5 місяців тому
How I Maximize Amex Points like Crazy (Free Flights, Hotels & More..)
39 Travel Partners for FREE Flights & Hotels (Best Credit Cards, Process and More...)
Переглядів 22 тис.6 місяців тому
39 Travel Partners for FREE Flights & Hotels (Best Credit Cards, Process and More...)
My Credit Card STRATEGY for July 2024 | CA Niraj Dugar
Переглядів 10 тис.6 місяців тому
My Credit Card STRATEGY for July 2024 | CA Niraj Dugar
Magic pin stopped Amazon pay and credit card payment, that's the reason some things should be kept private. Damm you guys
@dugarniraj What you said is true but what about the charges that the income tax portal levies of almost Rs 500-600 plus gst for every transaction, doesn't it affect the reward ratio? Won't it reduce?
Sure it will reduce
Limit kitni millti?
KIWI HAS PATHETIC AND WORST CUSTOMER SUPPORT...
Can I change bill date of this card
American express is too limited to limited city.....don't advertise it if possible...
what is the worth of Kiwis? mention that as well
I received AMEX plat travel with only 62k limit. Whereas I have DCBM with 8 lac limit. Should I not activate the AMEX card. As won't be able to reach 4lac spend with just 62k limit.
sir how to pay insurance payment through card ??
How do u get 0.6-1 RS per amex point? I'm only getting 0.3 for flights or hotels etc
How are you redeeming it
The eligibility criteria for this card is such that people who can’t afford a day of luxury hotel stay won’t qualify for it. I think its less about accessibility and more about added perks for those who already have the means.
Saare ameri wale card
Guys, here is the refferal link for amex platinum travel card, join and get 2000 bonus MR points
Hi. I am getting option for HDFC Biz Cards. BizBlack at 10k + GST. But the bank person on call said she can provide me the "Biz Power" at LTF. Should i opt for BizPower ? A help would be great. Thanks 🙏
Biz black > biz power
Should I be a business owner to apply/get HDFC Biz Black credit card ? I appreciate your help with this. Thank you
Not a mandatory requirement
How to change auto mode to active?
Referral link expired
americanexpress.com/en-in/referral/membership-rewards?ref=mEGHNKeOWp&XLINK=MYCP
Urs is diners biz black? Which is the best visa, master or diners. Can diners b used in gst and income tax?
Hi. Great info. I like your content a lot. I run a business. Can you please tell me is there any capping in earning reward points if I am using this card for gst payments?
1.5 lakhs per statement cycle
Citi Card had a benefit of 5CR Air insurance and yearly overseas travel insurance of $50000. Axis has stopped this benefit
your referral link is expired, update it
americanexpress.com/en-in/referral/membership-rewards?ref=mEGHNKeOWp&XLINK=MYCP
Hello, what about Priority checkin, how do we use it?
Is Infinia giving reward points on government spends?
no
To get 1.8rs per accor point, do we need to be a member of accor?
yes
My application got rejected even with credit score of 750+
OOPS
Expired again. May you kindly share a fresh referral link for gld card
americanexpress.com/en-in/referral/membership-rewards?ref=mEGHNKeOWp&XLINK=MYCP
How to know when the bonus offer is going on for the transfer??
you will get email
My application got rejected. Let me tell you I have 2 Amex cards.
wow
Hello Niraj, that was a nice comparison, I am thinking of getting one AMEX CC but was confused but now after watching the video I feel Gold card is much suitable for me and have most benefits (no credit limit, Fuel+ all online). Can you please share me the referral link for Gold card. I was going to apply for HDFC Swiggy for day to doy expenses, is that a good card or you have any alternative card suggestion, I am currently using ICICI Amazon card or One card for these expenses.
americanexpress.com/en-in/referral/platinum-travel?ref=mEGHNKkIMW&XLINK=MYCP Close the pop up and click on view alll cards and select your preferred card
Is the accelerated reward limit for smartbuy and tax payments seperate? I.e 10k points from smartbuy plus 7.5k from tax payments?
Yes
email
priorityredressal.creditcards@hdfcbank.com
@@dugarniraj thanks sir
Send again the american express platinum travel referral link, it has expired.
americanexpress.com/en-in/referral/platinum-travel?ref=mEGHNKkIMW&XLINK=MYCP
Can we get renewel waiver?
email
priorityredressal.creditcards@hdfcbank.com
Can I transfer money to my friend
This is the worst card ever. This is “diners club” and not Visa or Mastercard. I went Dubai last month and took this card with me, it ONLY worked at carrefour. Everywhere else, it was not accepted. What’s the point of this card when you cant even spend?
Forget about Dubai, this don’t work in India too many places. For example- Paytm and something Flipkart too. I went to Ajmal shop in CP, Delhi.. it was not accepted there as well. It’s so humiliating.
This happens when you don’t understand the purpose of a card. The card says biz black and is meant for taxes mainly. Why assume that you will use it at super market
@@dugarniraj dude you know very well what I am trying to say. If biz black was a “Visa” or “Mastercard”, it would be great. I have nothing against “biz black”, I am simply talking about “diners club” card acceptability. You made such long video, but failed to address this issue of “acceptability”. Try harder and make good content next time.
@@dugarniraj and yeah, it DID work at the super market. “Only worked at Carrefour”. Read my comment again dude.
Your videos are pretty straightforward and very well laid out. Well done. However, there are few corrections and facts that you should include to help viewers take an informed decision: 1. The value of points you have assumed at 0.6 is misleading - You can get 0.6 value only if you redeem points for Taj Vouchers - You should explicitly mention that in your video so that users don;t get too excited and consequently mislead. 2. Realistically, the value of points would be around 0.3 for an average user - Majority of the users would try to redeem via 'Pay by Points" scheme or via most widely used vouchers like Flipakrt and Amazon. Hence, you should ideally show the calculations based on most coservative way, i.,e using 0.3 3. Finally, you should also mention about expense exclusions - Example: Utilities, Insurance etc. You don;t get reward points on these MCCs. Although, it would still add to milestones. I hope it makes sense. I am also a finance enthusiast, loads of expereince in finance. So, forgive me if I looked into your video more critically. Not to undermine you efforts, but just something which may help you make more detailed (without any fine print) videos in future. P.S - I hold MRCC (LTF) among others and I am contemplating on going for Platinum travel, however it's still not working out for my expense needs. But good to see your videos.
Hi Niraj. Is it only for business owners or salaried ppl can also apply?
I’ve seen salaried folks getting it too
Please share MRCC Referral link
americanexpress.com/en-in/referral/membership-rewards?ref=nIRAJDU7nK&XL=MIMNS
This Card Is only for people who have there own businesses and pay GST, TDS, Advance Tax etc. 7500 accelerated points Available against Tax Payments. You can earn upto 1,50,000 points per billing cycle. 75,000 Points are only allowed to be reedemed in a billing cycle thru smartbuy for flights and hotels. Honestly the best card ever made for MSME's and Businessman. I will rate it even higher than the other premium cards available in the market. The only negative I feel about this card is that it is a Diners Card and not a VISA or Mastercard as a lot of other Govt sites dont accept Diners Cards
A small suggestion, please use a pictorial representation of your videos. A great video without graphics makes it boring and also less information can be retained as well.
Thank you
How to negotiate with dealer to bring down the 2% charge on credit card? I am ok to give 0.5-1%.
The Gold Charge Credit Card link is expired .. !!
americanexpress.com/en-in/referral/gold?ref=nIRAJDgRc5&XL=MIMNS
Expired again. May you kindly share a fresh referral link
Link has expired
americanexpress.com/en-in/referral/membership-rewards?ref=nIRAJDU7nK&XL=MIMNS
Expired again. May you kindly share a fresh referral link GC card
Hi Niraj, Could you please suggest some websites/apps where we can use AMEX cards to pay house rent ?
Email
priorityredressal.creditcards@hdfcbank.com
Which is better for salaried? Hdfc millenia or diners club privilege card?
get both...you will have shared limits..and dont forget to get Life time free card..if nto its not worth it..
@suryavishwanath8564 I was informed I'm eligible for LTF both of them , I can take both?