- 109
- 2 191 024
Pranay Kapoor
India
Приєднався 7 сер 2010
Helping you spend your money, wisely.
Disclaimer: I work at Google, but the views here are all mine.
Hit subscribe and let's make those big purchases with confidence!
See the recommended cards in the links below!
For business queries: pranay@create.wtf
Disclaimer: I work at Google, but the views here are all mine.
Hit subscribe and let's make those big purchases with confidence!
See the recommended cards in the links below!
For business queries: pranay@create.wtf
Our Favourite Credit Cards for 2025 | Credit Card Strategy (In Hindi)
Jan is ending and it's a good time to share our 2025 Credit Card Strategy. In this video, Anmol and I will share our credit card strategy for 2025. We're breaking down what are our key spends, where do we spend them, how are we strategising against each of them, which cards are we discontinuing and a lot more! Tune in and let us know what you think in the comments!
You can apply to the cards we discussed using the links below -
Axis Atlas - tinyurl.com/4fxrxx8d
Hdfc Swiggy - tinyurl.com/54h2kkkx
HDFC Tata Neu Rupay Card - tinyurl.com/4pmpxwdb
Hdfc Diners - tinyurl.com/ewp4dnr9
Amex Plat Travel - americanexpress.com/en-in/referral/platinum-travel?ref=aNMOLaSLqk&XL=MNMNS
Amex Plat Charge - americanexpress.com/en-in/referral/platinum?ref=pRANAKm3OP&XL=MNANS
0:00 Highlights
0:53 Intro
3:02 Anmol's Cards
3:47 Pranay's Cards
5:04 Anmol's Spends
6:18 Pranay's Spends
7:42 Anmol's strategy
9:35 How to track spends
10:10 Pareto Principle
12:16 MRCC
13:40 Amex Plat Travel
16:10 Atlas and Infinia
20:54 Anmol's summary
22:30 Vistara Cards
25:00 Which cards is Anmol discontinuing?
27:09 Using Amazon Pay for Utility bills
28:21 Pranay's Cards
28:43 Amex Plat Charge Card
32:15 HDFC Tata Neu Rupay Card
36:38 Rent Strategy
38:22 Cards Pranay is discontinuing
Here's the equipment I used to record this video --
Camera: DJI Osmo Pocket 3 Creator kit: amzn.to/3ZqgMhk
Microphone: Rode NT-USB: amzn.to/3zqYly8
Tripod for microphone : HerculesMS432B: amzn.to/4d6hZx6
Check out the Zero1 Network: zero1byzerodha.com/network
You can apply to the cards we discussed using the links below -
Axis Atlas - tinyurl.com/4fxrxx8d
Hdfc Swiggy - tinyurl.com/54h2kkkx
HDFC Tata Neu Rupay Card - tinyurl.com/4pmpxwdb
Hdfc Diners - tinyurl.com/ewp4dnr9
Amex Plat Travel - americanexpress.com/en-in/referral/platinum-travel?ref=aNMOLaSLqk&XL=MNMNS
Amex Plat Charge - americanexpress.com/en-in/referral/platinum?ref=pRANAKm3OP&XL=MNANS
0:00 Highlights
0:53 Intro
3:02 Anmol's Cards
3:47 Pranay's Cards
5:04 Anmol's Spends
6:18 Pranay's Spends
7:42 Anmol's strategy
9:35 How to track spends
10:10 Pareto Principle
12:16 MRCC
13:40 Amex Plat Travel
16:10 Atlas and Infinia
20:54 Anmol's summary
22:30 Vistara Cards
25:00 Which cards is Anmol discontinuing?
27:09 Using Amazon Pay for Utility bills
28:21 Pranay's Cards
28:43 Amex Plat Charge Card
32:15 HDFC Tata Neu Rupay Card
36:38 Rent Strategy
38:22 Cards Pranay is discontinuing
Here's the equipment I used to record this video --
Camera: DJI Osmo Pocket 3 Creator kit: amzn.to/3ZqgMhk
Microphone: Rode NT-USB: amzn.to/3zqYly8
Tripod for microphone : HerculesMS432B: amzn.to/4d6hZx6
Check out the Zero1 Network: zero1byzerodha.com/network
Переглядів: 25 083
Відео
Shop Cars With Us | Electric Vehicles | Episode 6
Переглядів 7 тис.День тому
In this episode of Shop Cars With Us, Siddhant and I answer a long-standing request: how to properly value a used electric vehicle in India. We'll guide you through the essential factors, including battery health, range, government regulations, and the often-overlooked cost of battery replacement. We're giving you not one, but TWO methods to assess the value of used EVs like the Tata Nexon, Tat...
Axis Atlas vs Magnus Burgundy? Which Credit Card did I get
Переглядів 21 тис.14 днів тому
So I got a brand new credit card - the Axis Atlas. I recently made a big purchase of 4.5 lacs, and I'll walk you through how many points I'll earn with the Atlas and how I plan to use those points. I'll compare it to the Magnus Burgundy and share my thoughts on which card is better for a purchase like this. I will also share how I plan to use these points for an upcoming trip to Estonia. If you...
Is It Too Late To Invest in Hyderabad in 2025?
Переглядів 59 тис.21 день тому
I recently went back to my B-School in Hyderabad after 10 years, and man, the place has changed A LOT. It's grown like crazy! Seeing all the new buildings and development got me curious about the real estate scene there. Is it still a good time to invest in Hyderabad, or has the boom already happened? To find out, I invited Pavan onto the channel. He's been investing in Hyderabad real estate fo...
My 2024: Amex Points earned, YouTube Revenue, Stock Wins & YOUR Questions! AMA
Переглядів 10 тис.Місяць тому
It's the last video of 2024, and I'm ending the year with a big AMA, answering YOUR burning questions! I'm holding nothing back and getting real about everything you wanted to know. But before we dive in, I need to take a moment to express my sincere gratitude. This is the FIRST YEAR of this channel, and honestly, I'm blown away by the support you've all shown. From the bottom of my heart, THAN...
Buy a car in Dec 2024 or Wait for Jan 2025? Year-End Discounts vs. Resale Value!
Переглядів 20 тис.Місяць тому
Should you grab those tempting year-end discounts on cars in December 2024, or wait just a few weeks for a 2025 registration and potentially better resale value? This video breaks down EVERYTHING you need to consider before making this BIG decision in India. We'll cover: - Macro sales indicators - End-of-year discounts on popular car models (December 2024) - The impact of registration year on r...
Axis Magnus Burgundy has insane returns | Ft. @ayushdk
Переглядів 80 тис.Місяць тому
Axis Magnus Burgundy has insane returns | Ft. @ayushdk
BMW 360 buyback plan explained | Lower EMI but at what cost?
Переглядів 74 тис.Місяць тому
BMW 360 buyback plan explained | Lower EMI but at what cost?
Buying Cars Under 10 Lacs | Shop Cars With Us | Ep. 5
Переглядів 30 тис.2 місяці тому
Buying Cars Under 10 Lacs | Shop Cars With Us | Ep. 5
The Final Bill of Ironman Goa | All Expenses broken down | Episode 3
Переглядів 3,6 тис.2 місяці тому
The Final Bill of Ironman Goa | All Expenses broken down | Episode 3
How did the race go? Pain, Suffering and Reflections | Ironman Goa 70.3 | Episode 2
Переглядів 1,7 тис.2 місяці тому
How did the race go? Pain, Suffering and Reflections | Ironman Goa 70.3 | Episode 2
Cycled 2100 km to prepare for Ironman 70.3 | Pre-race preparation | Episode 1
Переглядів 2,3 тис.2 місяці тому
Cycled 2100 km to prepare for Ironman 70.3 | Pre-race preparation | Episode 1
Why I use Interactive Brokers from India and not Vested or INDMoney
Переглядів 23 тис.2 місяці тому
Why I use Interactive Brokers from India and not Vested or INDMoney
Toyota Hilux for Delhi to London! @MonkeyxMagic
Переглядів 50 тис.2 місяці тому
Toyota Hilux for Delhi to London! @MonkeyxMagic
Real Estate Boom in Goa: This is What's REALLY Happening!
Переглядів 18 тис.3 місяці тому
Real Estate Boom in Goa: This is What's REALLY Happening!
Shop Cars With Us | Luxury Cars | Episode 4
Переглядів 32 тис.3 місяці тому
Shop Cars With Us | Luxury Cars | Episode 4
Is Axis Atlas worth it? Burgundy, HDFC Smartbuy and free Udaipur trip
Переглядів 60 тис.3 місяці тому
Is Axis Atlas worth it? Burgundy, HDFC Smartbuy and free Udaipur trip
BEST Country to Buy a Luxury Watch! Shocking Price Difference
Переглядів 32 тис.3 місяці тому
BEST Country to Buy a Luxury Watch! Shocking Price Difference
This Is The Best Indian State To Own A Car
Переглядів 11 тис.3 місяці тому
This Is The Best Indian State To Own A Car
Shop Cars With Us | Bengaluru Under 10 Lacs | Episode 3
Переглядів 28 тис.4 місяці тому
Shop Cars With Us | Bengaluru Under 10 Lacs | Episode 3
Is Your Company Car Lease Worth It? HUGE Tax Benefits!
Переглядів 27 тис.4 місяці тому
Is Your Company Car Lease Worth It? HUGE Tax Benefits!
Amex is not first year free now! But the returns are higher 💲
Переглядів 25 тис.4 місяці тому
Amex is not first year free now! But the returns are higher 💲
Shop Cars with Us | Cars under 15 Lacs | Ep. 2
Переглядів 53 тис.4 місяці тому
Shop Cars with Us | Cars under 15 Lacs | Ep. 2
Amex Points for Northern Lights | How to redeem Amex points
Переглядів 46 тис.5 місяців тому
Amex Points for Northern Lights | How to redeem Amex points
Killer car deal on Octavia VRS in Pune | Used Car Story - short Clip
Переглядів 4,4 тис.5 місяців тому
Killer car deal on Octavia VRS in Pune | Used Car Story - short Clip
Octavia VRS for 19.5 Lacs 😍 | Used Car Story Ep. 1 | Adhar
Переглядів 11 тис.5 місяців тому
Octavia VRS for 19.5 Lacs 😍 | Used Car Story Ep. 1 | Adhar
Window Shop Cars With Us | Ep 1: Discontinued cars
Переглядів 43 тис.5 місяців тому
Window Shop Cars With Us | Ep 1: Discontinued cars
Best credit card for 2024? Amex Platinum Travel | My honest review
Переглядів 80 тис.5 місяців тому
Best credit card for 2024? Amex Platinum Travel | My honest review
Easy trick to negotiate with car dealerships | How to get the best bargain
Переглядів 169 тис.6 місяців тому
Easy trick to negotiate with car dealerships | How to get the best bargain
Google Careers, HDFC Accor & More: 5000 Subscriber AMA 🥳🙏
Переглядів 3,7 тис.6 місяців тому
Google Careers, HDFC Accor & More: 5000 Subscriber AMA 🥳🙏
Does Axis Atlas also give milestone benefit on business spends like Google and Amazon Aws payments? Or it’s only AMEX?
Would like to point that you can t/f Axis IOCL points to Accor to 5:1, although I’ve been transferring at 5:2 probably because I had held Magnus in the past
I really enjoyed every bit of this enlightening video, thanks guys and keep making more contents in Hindi.
33:30 hey Pranay, crucial point. Atlas is NOT excluded from educational payments
Adding insurance is doesn't make sense
You can also add HDFC marriot bonvoy card in your bucket
Start using your axis card through red giraffe for rent
Get back to English please. People who use credit cards for such purposes are usually good at understanding English. Also its Pan India reach is much better than Hindi. So, hope you get back to English. Your accent and intonation is amazing in english which actually is the reason I am hooked.
How do you directly move your stocks from vested to interactive brokers
As mentioned, Amex platinum travel card doesn't exclude anything for milestone. Then can we use it for paying the rent? If that is the case, then why isn't Anmol using it for his rent payment. Your thoughts will be much appreciated. Thanks in advance.
Rent platforms don't accept amex cards. And the ones that do have really high transaction charges
Amex gyftr platform is now charging convenience fee + GST is it still worth continue with Amex as locally Amex does not work that much
You use gyftr for Amazon pay. Which is good for online shopping
Please suggest how to use amex everywhere ?? And i cannot buy vouchers from gyftr !! Pls suggest
Hey pranav I have been seeing your videos for a while now and I love your advices on credit card strategy but I am stuck on one thing my spend on my Google ad is about 20lakhs a year and wish to know which is the best credit to optimise that spend of mine
Hi Pranay Could you please make video on HDFC Biz Black Card.
how do you check what MCC code has been applied for a payment ? exceptions are available online but how do i know which code will be applied before payment.. also dont think its co related to the actual retailer eg if im buying something at a starbucks its not necessarily always a restaurant or coffee shop as MCCas it depends on the merchant machine while they register the machine...
Hi, it wud be much Appreciated if u can stick to English, so everyone throughout india can understand.. as most of the people frm south are nt fluent with hindi..
Great video but it needs update as now gyftr is charging convenience charge on amazon vouchers.
One major question you both use axis atlas but you told neither rent nor education fees is paid through it. So what in world you guys spend on which accounts for 7.5 lakhs milestone
@@yogeshshukla6097 these guys have "expenses" other than education and utilities so they are recommending atlas, most people will not have those expenses they shouldnt get these cards
@pranayk37 Amex travel card link expired
Effective 1 February 2025, a 0.75% convenience fee + GST will be charged on the purchase of Amazon Pay and Amazon Shopping gift vouchers via e-voucher platform on Reward Multiplier. Which card is best for buying Amazon Pay vouchers ahead ? which is the best alternative for MRCC ?
How to pay rent via credit card? I am not sure how people pay rent via credit card. I stay in standalone building, how shall i pay rent in this case. As it is not registered on no broker or any other website.
M4B use for tax, ignore if you don’t have burgundy
M4B gives rewards on tax
Hey, i have taken car from office lease.. i want to correct you at one place that driver salary you can claim 240000 meaning 20k per month and 200000 as maintenance per year total 440000. Can you please tell me thst if it works with new tax regime? I am in old tax so far.
Thanks for insightful podcast. I have a personal trip to Spain & Italy coming up in June. Does it make sense to utilize Amex points for etihad Guest miles. As I do not have enough points as of now.. does it make sense for Platinum charge upgrade..
Just check how much value per point are you getting for the tickets and the dates. If it is more than 1, you can get the plat charge
@@pranayk37 Amex transfer shows 2MR=1Etihad Guest.. This is the first time I'm trying to do all this.. 🙂
Hey Pranay whats Pareto principle ?
The Pareto principle (also known as the 80/20 rule, states that for many outcomes, roughly 80% of consequences come from 20% of causes. In this context, top 20% of your expenses will constitute 80% of the amount spent
How do you get temporary certifcate, will the dealer cooperate to provide car without registration?
How did you get the car in pune without getting it registered there ? You registered in Delhi
I am almost aligned with your strategy, but I think the KIWI Rupay card makes more sense than tata neu for UPI transactions..
I personally don't trust new age credit card providers but that's a me problem. They'll eventually stop giving it when they've acquired too many people and for the short term it's not worth it for me
Hey Pranay, what is the best way to invest in chinese etf's is it via IB or someother brokers? Please suggest. Thanks for the nice video.
I'm using MobiKwik app for paying rent from credit card paying extra 2.5-3% extra charges, considering I'll hit the 4 lakh milestone and would generate overall 8-10% returns on all the amount spent
We don’t have utility bills card for bigger spends !! @pranav try to find the best utility cards for bigger spends .
Really insightful and articulate. Just some points to ponder: 1. For BMW Loans, I do believe the Insurance and service costs are covered. That will reduce the gap vs regular loan, but not enough to bridge the gap. 2. Whilst the overall ownership is higher with BMW plan per your calculations; some families look at the annual outflows based on their income; and so the lower EMI’s are a very strong determinant of the discussion making process.
I think Kiwi's UPI card is better than Tata Neu if just focusing on UPI transactions. So maybe Anmol can take that instead of Tata Neu.
Also, since Pranay missed a point so I am mentioning it that Tata Neu App sucks😂😂 It's just irritating to the point that one will stop using it.
@@jayrajsuthar8139I'd say they are work in progress 😂 Obviously nowhere close to the giants but for big upi spends - I've made my peace
I have insurance payment of 6 lakhs...will it cover both milestones for platinum travel card?
As you guys are saying that you will not be using some of the cards, so do you guys simply block those credit cards or go through proper closure procedure by calling to bank?
Call and ask them to discontinue
KIWI CARD IS GOOD FOR UPI PAYMENT AND REWARD STRUCTURE IS VERY SIMPLE AND LUCRATIVE.
pranay bhaiya tb kya kre agar hmare travels bht km ho 0 or 1 trip ho aur wo bhi accor ya marriott hotels mai stay nhi krte hai bht expensive hote honge i believe brand value ki wajah se i think i can save on classy expensive hotels and spend on eternities and activities of the place/trip
can you explain how you pay rent via credit card to Individual Landlord. If you can also help us understand the app/website through its done then it would be very helpful.
Hi Pranay, i am going to spend around 30-40 lac this year on gold purchases on Tanishq or other vendors. Which axis card should i get for maximum benefit. Right now i do have a Axis bank Flipkart card with 2.4 lac limit, Sbi rupay with 2 lac limit, amazon icici pay with 5 lac limit and hdfc lifetime free card with a 10k only limit. Axis bank is providing pre approved cards so thinking to get one. The cards are- 1- Axis bank ace visa 2- axis privilege visa 3- axis select visa 4- Axis atlas visa 5- axis magnus mastercard 6- samsung axis visa infinite 7- axis rewards mastercard 8- axis samsung signature visa 9- axis airtel 10- axis indianoil 11- axis neo 12- axis myzone For completing a 10 lac purchase I will be using then paying bill the same day again and again. Will i get rewards points in this section.
Why not Horizon card at 3k fees? - maybe an Atlas vs Horizon comparison would be great
Redemption of edge mile in horizon is 1:1 and not atlas 1:2 Also no milestone benefit
@pranayk37 thats true, but for a normal salaried person with spending of less than 4l, would this be a better card?
What credit card management app you recommend for IOS? Apart from Cred.
Can you both please share your top 10 monthly spends and the logic behind using respective cards for making those payments?
Sir, thanks for guiding us on Interactive Broker. In video, although you have mentioned that you are not certified adviser, but I have found your investment strategy is like mime. So, could you please guide me on investment in US market. Should I buy ETF or any small case like product.
Safe bet is to buy an index ETF
Hi .. i have a query why you want ro stop hdfc awiggy card as it is giving 10% cashback on every order on swiggy instamart and dineout. And also have LTF yo me.. Is any other card better than this (already used amex platinum travel spend criteria)
Sbi vistara card pe benefit nahi mil rahe? What rubbish all ex vistara cards are 38:30 giving same benefit now on Air India. May be these guys are unaware.
Can confirm. Renewal benefit on axis vistara infinite is now provided in the form of Air India vouchers.
Thank you for sharing your strategies. Btw, hindi may sunne ko bohot ajeeb laga. In future episodes only do it when you have a guest on the show Pranay. Otherwise tu English may he thik hai 😉
Hi, I am a bit confused about when Anmol said that he uses Amazon Pay for paying where is gets the discount on gyftr. When i was looking at the gyftr amazon gift cards, it is only for purchases on Amazon and the balance cannot be added to the Amazon Pay wallet. Am I missing something? Very informative video, btw. Thanks and keep it up!!
Hi Pranay, pls throw some light on how to add upi autopay mandate using NPCI