u can have a normal salary and still get a credit card to make an habit and only when u start using a normal credit card and build a credit score is when u can get the good cards in the end.
It all sums down to mindset, if one is wise enough to use the credit card in the smart way rather than using like a maniac, he/she can benefit out of it. Doesn’t matter whether entry card or card with 5-10K joining fees.
Starting with transferring UPI on rupay based CC is a good starting point. A family of 4 can easily spend 400k a year and treat itself to a nice treat once in a while, so that's not so bad a point to consider in my opinion.
@@div_shrimalithese influencers are just making us spend more and more.... making it a habit. Don't listen, save more, buy shares/gold/land. Multiply your money
I just turned 18 two months back. Got my first credit card 2 days ago which is the Axis Bank Privilege Credit Card based on FD and now I am ready to build my Credit score.
@@MrUmangj HNIs value their time the most. OfCourse once in a while they do redeem the points. However, they would not spend precious time evaluating, optimizing and moving points from one portal to another just to save few thousands.
Not to put myself out there, I would consider myself HNI and I absolutely try to optimize my spending to get the maximum possible points. I don't have an excel where every single spending is categorized under a credit card, but I try to keep things in my mind to use the right one.
The more you talk about these loopholes in public, Credit Card companies plans to put controls over them. I've been doing all these whatever he says from the past 8 years with my 15+ cards. I've seen the controls they place to prevent such loopholes. This is not a sustainable plan. The moment companies realise they make a loss on these, they stop immediately.
Sharan seems to be eager to speak more than the guest. Sharan is not a good listener. It's an insult not to allow the guest to speak out his ideas completely.
I absolutely do not agree. Maybe u guys did not hear it through. His reactions, responses was very much in sync and with understanding in connection the purpose of the interview. 👍
I think that in-detail knowledge of such credit card mechanism, rewards and such points, I think would be beneficial in the long run only and for someone who is oriented only towards job and not for someone who is more oriented towards business and investing activities. Who agree??
It’s always fun to do calculations in excel and enjoy … the bottom line is if you want to earn from credit cards or any other medium, then you will have to make an effor/ spend time to understand and utilize perfectly … to make money you will always have to make an effort
@@sakoonsinghbhatia8111everything he said in this video and he shared his screen and explained in detail and discussed about few more credit cards which are not covered here
Only take a loan when it is absolutely necessary for your current survival and future growth,that is you should only take Education loan and home loan.(and a loan for your business expansion but only when you really really need it) These companies make these lucrative offers like 6%,10% cashback and this free hotel that free hotel but these are only to make you habitual of taking credit,people don't understand this simple concept that once you get hooked on this cycle of taking loans you never come back out of it.
I'm really impressed with Sharan's questions! Exactly he asked the same questions which came to my mind. Awesome and very insightful podcast. Please come with more like these!🙂
This don’t make sense Most credit cards don’t give points for rent payment , school fees payment or insurance or tax filing etc So basically they will give points for just basic daily usage and getting a fancy card will simply make us to spend more money on something which we would have not spent on first place. So all these points and all is a scam. Expect for very less people who spend a lot for their travels and etc for them it might be worth for others it’s just a way to go broke.
I have his first card what he mentioned(Axis select) .As someone who just started earning last year. Listening to this gives me motivation to earn more and do better in life.
Problem of life-style starts when you start disliking the stay at normal hotels once you are done with all the points after you stayed at such high priced 5-star hotels when you have lot of points.
The points are never done. If you transfer it during the transfer window that Marriott runs, you get an additional 20-30%. And you are not going to stop spending on essentials.
Unbelievable video, what an educational video, it convinces me to use a credit card however i feel you need to be having a lot of money and spending in luxury + flights and hotels which is not my spending pattern as he said fit the credit card to your spending not the other way around 😂
After spending thousands of ₹ once i redeemed some rewards point to get 100₹ into account. The credit card company charged 100₹ for rewards redemption fee plus 18% gst. 18₹ loss.
Wow one of the best I have ever seen in Credit Cards usage, I am from axis bank did not know so much about axis magnum and Axis Atlas Card. Great Session Aly and Sharan, do something on credit card interest rates too ..
1:17:14 expression of speaker says something wrong in question of Sharan bhai I think editor changed the question (i.e.., forwarded a little instead of holding to same question) but literally this session is awesome I didn't expected this stuff from onepercentclub... reallly hoping for such contents more known that creditcard shares especially from HDFC,AXIS gona create a larger wealth in next 1 decade..
Talk about redeeming the right way. -- The very first thing is to earn points by spending. The points to redeem for free international Flight/Hotel Stay (as talked in this show) is earned probably after spending minimum Rs. 1 Lakhs per month with an Indian credit card. ----- Most Indian credit card points have a 2 year Expiration Date. --- I too follow the principal of "TREAT CREDIT CARD AS A DEBIT CARD".
One very important point is, while using credit card aggregate Transaction of 10,00,000 and abobe crossed during year _ it reported to income tax AIR Report, so be ware of end use purposes
Good to hear. But practically can’t be applicable. People don’t work only on credit cards to get the points, they have their own business. Here, Assume if a common man accumulated the points where they can spend in a luxurious hotel for free. But the person has to spend lot if money other than hotel stay at luxurious hotel. But yeah once in a lifetime one can experience. But if you consider only money point of view definitely not worthy.
Just after this podcast Amazon has stopped buying giftcard using credit cards Even there was a reference of gyftr, now gyftr has disabled purchase of giftcards using credit cards. Now can Aly share some trick for purchasing amazon giftcard using credit cards?
Best to understand the HNI category of credit users. Recently SBI charged for an online shopping discount fee that is surprising customers to believe that they literally got scammed by sarkari bank.
Aly's talks are more about being aspirational and live a luxury life.. need to ask Sharan, how to earn that much so that we can live that kind of life (even with the credit cards) 😅 They talk about salaries ranging 2-3 Lakhs a month like its average salary in India 😂
Just an amazing video and learnt alot. Was not using my credit card effectively. Thank you Aly and Sharan for this. Just curious. If the credit card is devalued , will closing it affect cibil score?
@@Rohitchakra1 Dude.... there is no positive for middle class, especially salaried people, credit traps are a harsh reality. The audience watching this is mostly middle class, and advice like this can do more harm than good if not taken carefully. It’s important to be realistic about the potential pitfalls.
@@VaishvikMarathibrother just be disciplined while using your credit card pay on time and don’t spend more than you can afford like it’s free money. If you use it wisely it’s good
@@VaishvikMarathi Pls dont mix up.middle class family with Indisciplined or unaware or foolish people. I have been using credit card since 2012 and havent paid 1 rupee to the company but have used many rewards amounting to 50k+
@@rishabhranjan4436 ok upper class.... credit cards can be beneficial if used with strict discipline, but fact is many middle-class families don’t have the financial cushion to handle even a single misstep. Just because you've managed to play the system doesn't mean it's a safe option for everyone. For most salaried individuals, one missed payment or an unexpected expense can snowball into a cycle of debt. It's not about being foolish-it's about understanding that these financial tools are designed to trap those who can’t keep up with the hidden costs and high interest rates. if everybody keep up then this business will be doomed
Late payment charges and interest charged will not be applied if u missed it for 2 to 4 days but credit score will not effect until 30 days. They don't reflect immediately, this reflection is a delayed job. There are chances that certain transactions are anonymous and u don't want to pay until it get sorted with bank, credit score update happens after 30 days, check with credit card departments pls.
So just to summarize todays financial youtubers funda.... dont buy a home thats waste of money but buy lot of credit cards spend using credit cards so that u can get 2 nights of stay at 5star hotel for free.. brilliant advise.
roz ghante lagao in sab soch m, tariko m, new credit cards mein, transfer to miles, to hotels, paying with cards, reading T&C, note down what is excluded, what's not. first buy on gyft then pay... arre bhai.. instead of spending hours every day on this, do 2 hour majduri every day.. you will earn significant without spending anything.. getting fitness in return (saving on gym money as well)
We can’t ignore what we don’t know bro..yes work hard on your majduri but also work smart to derive more from your spending. It’s not Mehnat on a daily basis to learn the hacks..once you learn CC hacks, you just know how to use it to your advantage.
@@pritu87 see even I use few of these things already.. which is just incorporated in my life how I pay bills etc and save some money. but what all he has advised will be few hours every day.. it works for him as he is doing it full time.. making course of it and selling course for earning.
This video is great...but do not register for their paid webinar because it is full of marketing... Where they tell you for 15k... Webinar has nothing special information... Information is available on UA-cam for free
If u think u can beat big corporations banks and make money from them😂😂😂.. they r doing it for centuries and they invest crores of rupees to manipulate you.
Sharan - you need to stop pretending to be a strong personality and be yourself, we;ve seen your content and now I can see the change, and I honestly don't feel comfortable with the current you, it feels fake, please go back to the way you were. lots of love man
Sharan you should hv used credit cards to pay salaries before firing so many people... I mean you would get points, and good wishes from the employees 😅... The 1% club could hv grown contributing more to job creation in India.
He wants to pay hospital bills via cc to get milestone benefits and accelerated reward points, do you know how many free vacations he can get instead of paying a yearly health insurance premium vs paying hospital bills which will be 20x his insurance premium 😂
@shubhang722 but he mentioned this happened long back and he didn't start this game of points.... in USA when you have ability of buying a home worth 1 million USD but don't have health insurance then seriously it's a bad decision .... Once can go easily bankrupt with American medical bills ... my friend got a appendicitis operation during masters education where in India it's operated between Rs10k -30k all by cash the same they charged 26000 USD here and Luckily local community church helped to pay bills as we are students but that kind of amount can easily bring any one down with just one incident .... In USA good health and food auto insurance is mandatory.
Spending 50k a month is ok but. Not everywhere i can pay using my cc Like i have to give rent by cash or upi so cc cant be used there ….. I need to send money to my parents cc cant be used there …. Daily upi transaction which is the major expense of the month cant be done by cc like amex …. And so on … so spending 50k using cc is tough for normal usage..
Yes but there is always a loophole, two days back one of my colleague got Infinia Metal credit card by doing 20 lakhs of FD and Term life insurance and he has a salary of 28 lakhs per annum.
Can you give some info only on the free cards? All these cards gives rewards but those rewards will be enough to pay the next year premium charges of the card.
Bhai thumbnail me Black card lgao, platinum nahi. Actually i made these all cards 😊 Every single cards making in US, even HDFC bank magnus or FPL bhi US se bann k gya hai hmari company se. weite now we are working on birla group cards too and Asvaha cards 😀
Hi , Very knowledgeable session , i am leaving in Thailand can you advise whether it can be done in thailan d, if yes how i can connect you to get more information or session
You suggest to pay everything with Amazon pay balance. But fact is reward points give you shopping balance which can't be exchanged for utility bills etc expenses. Even if you load cash in wallet directly from credit card they charge 2-3 percentage extra
Key takeaway:
Use credit card only like a debit card.
Your spending should define your credit card. Not the other way.
First start earning 2 to 3L + per month and then you can spend 50k to 1L per month and then all this will make sense
Absolutely agree.
u can have a normal salary and still get a credit card to make an habit and only when u start using a normal credit card and build a credit score is when u can get the good cards in the end.
It all sums down to mindset, if one is wise enough to use the credit card in the smart way rather than using like a maniac, he/she can benefit out of it. Doesn’t matter whether entry card or card with 5-10K joining fees.
Starting with transferring UPI on rupay based CC is a good starting point. A family of 4 can easily spend 400k a year and treat itself to a nice treat once in a while, so that's not so bad a point to consider in my opinion.
@@div_shrimalithese influencers are just making us spend more and more.... making it a habit. Don't listen, save more, buy shares/gold/land. Multiply your money
I just turned 18 two months back. Got my first credit card 2 days ago which is the Axis Bank Privilege Credit Card based on FD and now I am ready to build my Credit score.
This guys credit card points are so valuable, he can start a country with them!!! my head is spinning and saying points points!
I don’t think HNIs have time to optimize for reward points. Infact I don’t think HNIs even bother about reward points
Spot on !
HNI’s knows the value of money,so i think they might be using credit card wisely😊
@@MrUmangj HNIs value their time the most. OfCourse once in a while they do redeem the points. However, they would not spend precious time evaluating, optimizing and moving points from one portal to another just to save few thousands.
Not to put myself out there, I would consider myself HNI and I absolutely try to optimize my spending to get the maximum possible points. I don't have an excel where every single spending is categorized under a credit card, but I try to keep things in my mind to use the right one.
@@daniel11111 Like anything in life, there will always be exceptions. Anyways if you got time for it, then definitely optimize.
The more you talk about these loopholes in public, Credit Card companies plans to put controls over them. I've been doing all these whatever he says from the past 8 years with my 15+ cards. I've seen the controls they place to prevent such loopholes. This is not a sustainable plan. The moment companies realise they make a loss on these, they stop immediately.
Sharan seems to be eager to speak more than the guest. Sharan is not a good listener. It's an insult not to allow the guest to speak out his ideas completely.
True that
Or maybe he is able to process the response much faster to come up with the next set of questions. And remember he is in the same financial game
@@sawanthapa9192 they have done the exact same session online , multiple times before putting this video out.
Absolutely, he does it every single time
I absolutely do not agree. Maybe u guys did not hear it through. His reactions, responses was very much in sync and with understanding in connection the purpose of the interview. 👍
Non taxable people you can skip this vedio 😂😂😂
I am one of them 😂😂😂
😂
@@ahesanaliasamdi7949me too
Don't skip. Aspire and slog to become HNI 😅. I mean why not? You can do it !!!
20 k salary no credit card and still watching this podcast😢😮😂😂😂
No credit card, no salary, no job. Still watching 🫠
Bro still it's okay I have no job I'm a student and still watching this like for the third time😂
I think that in-detail knowledge of such credit card mechanism, rewards and such points, I think would be beneficial in the long run only and for someone who is oriented only towards job and not for someone who is more oriented towards business and investing activities. Who agree??
Wrong, you can get HDFC Biz Black credit card and use it to pay taxes. The return rate is crazy!!!
It’s always fun to do calculations in excel and enjoy … the bottom line is if you want to earn from credit cards or any other medium, then you will have to make an effor/ spend time to understand and utilize perfectly … to make money you will always have to make an effort
Ofcourse nothing comes for free
I attended the masterclass and it just changed my spending strategy and mindset for life.
what was so special in it , just tell me the points covered ?
@@sakoonsinghbhatia8111everything he said in this video and he shared his screen and explained in detail and discussed about few more credit cards which are not covered here
@@stalwarts17 he may be from his side only.. people come here to promote his classes 😄
how much did you pay?
Pay 99 Rs to attend the session
Only take a loan when it is absolutely necessary for your current survival and future growth,that is you should only take Education loan and home loan.(and a loan for your business expansion but only when you really really need it) These companies make these lucrative offers like 6%,10% cashback and this free hotel that free hotel but these are only to make you habitual of taking credit,people don't understand this simple concept that once you get hooked on this cycle of taking loans you never come back out of it.
But in order take a loan, you need a good credit score.
Credit cards allow you to get a good credit score.
@@kedarisgreatAsk any of your close relatives or friends who have a good credit score to add you as an Authorised user.
@@kedarisgreatBy getting added as an Authorised user you will get benefit from their on time payments.
@@dakshkataria4754 I did not understand your point. You may have some better insights.
Sharan knows how to nailed it with his query..great respect to ... The more I watch ur podcast the more it enlightens me. Ty.. Keep goin❤
Aly has been one of the most underrated find in my mentor's list! Loved his course on 1% club and kuddos to Sharan to getting him on the curriculum :)
Hey Aly. Come to Delhi next time with Sharan for a master class in credit cards. Absolutely loved your session and course on credit cards.
I have attened Aly's credit card master class,this was very insightful loved it
I'm really impressed with Sharan's questions! Exactly he asked the same questions which came to my mind. Awesome and very insightful podcast. Please come with more like these!🙂
Glad you enjoyed it!
@@financewithsharan what to do with old credit card ? And disabling them affect cibil score ??
This don’t make sense
Most credit cards don’t give points for rent payment , school fees payment or insurance or tax filing etc
So basically they will give points for just basic daily usage and getting a fancy card will simply make us to spend more money on something which we would have not spent on first place. So all these points and all is a scam.
Expect for very less people who spend a lot for their travels and etc for them it might be worth for others it’s just a way to go broke.
Hdfc biz black gives u point for all this..
performed by professionals, dont try it at home😊, he is a genius,... unique
I have his first card what he mentioned(Axis select) .As someone who just started earning last year. Listening to this gives me motivation to earn more and do better in life.
As someone whose been in the credit card game for a while now I can safely say this is one of the best videos out there
So what he sayin is spend 50k to buy a Shirt worth 2k to get 5k in reward.
Problem of life-style starts when you start disliking the stay at normal hotels once you are done with all the points after you stayed at such high priced 5-star hotels when you have lot of points.
True 😂
The points are never done. If you transfer it during the transfer window that Marriott runs, you get an additional 20-30%. And you are not going to stop spending on essentials.
first thing all CC companies should do is make one point = one rupee. would be lot more easier to compare then.
Unbelievable video, what an educational video, it convinces me to use a credit card however i feel you need to be having a lot of money and spending in luxury + flights and hotels which is not my spending pattern as he said fit the credit card to your spending not the other way around 😂
After spending thousands of ₹ once i redeemed some rewards point to get 100₹ into account. The credit card company charged 100₹ for rewards redemption fee plus 18% gst. 18₹ loss.
The intro had me hooked! Seems like Sharan is upping his game! ❤
This is a good master class. Thank you. You should have him again for a miles masterclass.
Wow one of the best I have ever seen in Credit Cards usage, I am from axis bank did not know so much about axis magnum and Axis Atlas Card. Great Session Aly and Sharan, do something on credit card interest rates too ..
the best ever you tube episode on credit cards I have heard so far..thnx and congratulations to both of you
Really happy to hear that!
1:17:14 expression of speaker says something wrong in question of Sharan bhai I think editor changed the question (i.e.., forwarded a little instead of holding to same question)
but literally this session is awesome I didn't expected this stuff from onepercentclub...
reallly hoping for such contents more
known that creditcard shares especially from HDFC,AXIS gona create a larger wealth in next 1 decade..
Its my 1st podcast i saw full length vdo of sharan podcast .thank u much needed info.❤😊
Talk about redeeming the right way. -- The very first thing is to earn points by spending. The points to redeem for free international Flight/Hotel Stay (as talked in this show) is earned probably after spending minimum Rs. 1 Lakhs per month with an Indian credit card. ----- Most Indian credit card points have a 2 year Expiration Date. --- I too follow the principal of "TREAT CREDIT CARD AS A DEBIT CARD".
One very important point is, while using credit card aggregate Transaction of 10,00,000 and abobe crossed during year _ it reported to income tax AIR Report, so be ware of end use purposes
Good to hear. But practically can’t be applicable. People don’t work only on credit cards to get the points, they have their own business.
Here, Assume if a common man accumulated the points where they can spend in a luxurious hotel for free. But the person has to spend lot if money other than hotel stay at luxurious hotel.
But yeah once in a lifetime one can experience. But if you consider only money point of view definitely not worthy.
Just after this podcast Amazon has stopped buying giftcard using credit cards
Even there was a reference of gyftr, now gyftr has disabled purchase of giftcards using credit cards.
Now can Aly share some trick for purchasing amazon giftcard using credit cards?
Best to understand the HNI category of credit users. Recently SBI charged for an online shopping discount fee that is surprising customers to believe that they literally got scammed by sarkari bank.
SBI bank and SBI cards are different entities. SBI card is a private entity owned by SBI.
That AMEX, Amazon Pay hack for so smart! Loved this Podcast 🔥🔥
Amazon pay charges extra atleast for me ?
Did you tried that ?
Excellent content! Thanks and need more of these. Would be interested how to convert airmiles to flight points and hotel points in more detail.
There is more tricky guys who have best in market cards without even earning money 😂
any idea how sharan changed his color tone?.. he looks so good now
Bcz he's a millionaire
He just got richer tats all lol
you're dumb he did a skincare routine which reduced his melanin
Lights man
This video ia going to change life of some people 🎉
Very nice guest thank you
Watching this video with infinia, magnus, atlas, plat travel, and amex platinum in my wallet. I am proud of my choices in cards 😂
What are ltf you have
Such a big businessman and not having health insurance that too when staying in USA , cant digest it
I am a trader I'll make 20 30% yearly on the capital and then spend on card and get more points 😁
At 22:56 his soul left his body when Sharan said that 2% is nothing :D He changed his whole sentence after that :D
Aly's talks are more about being aspirational and live a luxury life.. need to ask Sharan, how to earn that much so that we can live that kind of life (even with the credit cards) 😅
They talk about salaries ranging 2-3 Lakhs a month like its average salary in India 😂
Just an amazing video and learnt alot. Was not using my credit card effectively. Thank you Aly and Sharan for this. Just curious. If the credit card is devalued , will closing it affect cibil score?
Everything is basic. But this can be all the info In one place
So basically his father lived on loan, got broke ... and now he is suggesting to live on Credit Cards 🙄
Surprised by seeing your conclusion. There are many positives in this video. Not sure how people can only summarise the negatives.
@@Rohitchakra1 Dude.... there is no positive for middle class, especially salaried people, credit traps are a harsh reality. The audience watching this is mostly middle class, and advice like this can do more harm than good if not taken carefully. It’s important to be realistic about the potential pitfalls.
@@VaishvikMarathibrother just be disciplined while using your credit card pay on time and don’t spend more than you can afford like it’s free money. If you use it wisely it’s good
@@VaishvikMarathi Pls dont mix up.middle class family with Indisciplined or unaware or foolish people. I have been using credit card since 2012 and havent paid 1 rupee to the company but have used many rewards amounting to 50k+
@@rishabhranjan4436 ok upper class.... credit cards can be beneficial if used with strict discipline, but fact is many middle-class families don’t have the financial cushion to handle even a single misstep. Just because you've managed to play the system doesn't mean it's a safe option for everyone. For most salaried individuals, one missed payment or an unexpected expense can snowball into a cycle of debt. It's not about being foolish-it's about understanding that these financial tools are designed to trap those who can’t keep up with the hidden costs and high interest rates.
if everybody keep up then this business will be doomed
We are not a H&I, i do not even get rewards points to a min. Level where i get smallest voucher or coupon.
Great informative and valuable video sharan👌🏻
👏👏👏👏👌👌👌🔥
Keep the same SIMPLICITY ಷರಣ ಅಣ್ಣ 🎉
There is an annual membership fee also that needs to be paid every year
Whenever Sharan says crore - his eyes shines and automatically smile comes 🙂
Late payment charges and interest charged will not be applied if u missed it for 2 to 4 days but credit score will not effect until 30 days. They don't reflect immediately, this reflection is a delayed job. There are chances that certain transactions are anonymous and u don't want to pay until it get sorted with bank, credit score update happens after 30 days, check with credit card departments pls.
The gyftcard amazon hack does not work, atleast not for any of the HDFC cards as they charge 3% + GST
Works for AmEx. He was talking specifically about AmEx Gyftr.
Still works perfectly for Amex tho. And that's what he claimed
Even with the charge, the reward rate is close to 10%
@@akshaydhanukaonly for infinia and DCB
I tried with icici credit card it won’t work , they also charge 3% as convenience fee
Even Amazon gives cashback on bill payments often if paid by Amazon balance....👍
But we card use normal credit or rupees credit for Amazon Pay Balance they are charging 3% as convenience fee
Very insightful podcast
He didn’t talk about the annual fee on these cards. That will reduce the return on these cards particularly amex platinum travel.
what a great episode, looking forward to class as well.
This guys literally spoke all the methods, that means it will be closed soon
It was a lovely podcast ❤.
Podcast looks more like Axis Bank Promotion.
First rule…
U need money
I'm going to apply for Axis Atlas and Amex Platinum Travel and close some useless cards.
Thank you for the conversation.
So just to summarize todays financial youtubers funda.... dont buy a home thats waste of money but buy lot of credit cards spend using credit cards so that u can get 2 nights of stay at 5star hotel for free.. brilliant advise.
roz ghante lagao in sab soch m, tariko m, new credit cards mein, transfer to miles, to hotels, paying with cards, reading T&C, note down what is excluded, what's not. first buy on gyft then pay...
arre bhai.. instead of spending hours every day on this, do 2 hour majduri every day.. you will earn significant without spending anything.. getting fitness in return (saving on gym money as well)
We can’t ignore what we don’t know bro..yes work hard on your majduri but also work smart to derive more from your spending. It’s not Mehnat on a daily basis to learn the hacks..once you learn CC hacks, you just know how to use it to your advantage.
@@pritu87 see even I use few of these things already.. which is just incorporated in my life how I pay bills etc and save some money. but what all he has advised will be few hours every day.. it works for him as he is doing it full time.. making course of it and selling course for earning.
This video is great...but do not register for their paid webinar because it is full of marketing... Where they tell you for 15k... Webinar has nothing special information... Information is available on UA-cam for free
Very educational video.
If u think u can beat big corporations banks and make money from them😂😂😂.. they r doing it for centuries and they invest crores of rupees to manipulate you.
Good episode Sharan 👍
After listening to their talk you'll only feel how poor you are
Finally A useful video. I am a fan but most of your videos are for HNIs only.. but this one is amazing. THANKS ALOT
Glad it was helpful!
All yours video useful@@financewithsharan
This guy is just kid. I think I should start a masterclass.
This was very interesting I will join your course
Most of the credit card companies are reducing reward programmes recently
what a great knowledge man
The definition of Indian middle class is earning ₹8000 a month, stop saying middle class
Sharan - you need to stop pretending to be a strong personality and be yourself, we;ve seen your content and now I can see the change, and I honestly don't feel comfortable with the current you, it feels fake, please go back to the way you were. lots of love man
Simple understanding:- apka he paisa apko reward ke tra diya jata ha apko lagta ha ka maine free ma ye kia wo kia.
Sharan you should hv used credit cards to pay salaries before firing so many people... I mean you would get points, and good wishes from the employees 😅... The 1% club could hv grown contributing more to job creation in India.
Whaaatttttt owning a million dollar home but no health insurance that’s Finance 101. Dudeeee seriously I’m not able to digest that.
He wants to pay hospital bills via cc to get milestone benefits and accelerated reward points, do you know how many free vacations he can get instead of paying a yearly health insurance premium vs paying hospital bills which will be 20x his insurance premium 😂
@shubhang722 but he mentioned this happened long back and he didn't start this game of points.... in USA when you have ability of buying a home worth 1 million USD but don't have health insurance then seriously it's a bad decision .... Once can go easily bankrupt with American medical bills ... my friend got a appendicitis operation during masters education where in India it's operated between Rs10k -30k all by cash the same they charged 26000 USD here and Luckily local community church helped to pay bills as we are students but that kind of amount can easily bring any one down with just one incident .... In USA good health and food auto insurance is mandatory.
What is his score in CIBIL? How do you have 10 credit cards? How are you paying these amounts? I'm confused
More credit cards don’t mean reducing CIBIL. Understand what is revolving credit and you will know a lot.
Spending 50k a month is ok but. Not everywhere i can pay using my cc
Like i have to give rent by cash or upi so cc cant be used there …..
I need to send money to my parents cc cant be used there …. Daily upi transaction which is the major expense of the month cant be done by cc like amex …. And so on … so spending 50k using cc is tough for normal usage..
The salary criteria for infinia has changed. Now they are asking for 5L per month salary or 60lac ITR for salaried individual
Yes but there is always a loophole, two days back one of my colleague got Infinia Metal credit card by doing 20 lakhs of FD and Term life insurance and he has a salary of 28 lakhs per annum.
@@subhransusahoo5220 yes but 20lac of FD doesn't sound like a good financial decision just for a credit card
Mind blowing ❤ flowing
That look on his face when Sharan removed the Infinia 😂😂😂
to my fellow tamil people :
idha paathutu naa credit card vaanga poraen nu nottitu pogadhinga...kadangaraan aagi nadu road la tha okkaruvinga
Can you give some info only on the free cards? All these cards gives rewards but those rewards will be enough to pay the next year premium charges of the card.
Bhai thumbnail me Black card lgao, platinum nahi.
Actually i made these all cards 😊
Every single cards making in US, even HDFC bank magnus or FPL bhi US se bann k gya hai hmari company se. weite now we are working on birla group cards too and Asvaha cards 😀
What do you do exactly
Hi , Very knowledgeable session , i am leaving in Thailand can you advise whether it can be done in thailan d, if yes how i can connect you to get more information or session
I paid 299 to get this knowledge form the same duo. Insightful knowledge..!
You suggest to pay everything with Amazon pay balance.
But fact is reward points give you shopping balance which can't be exchanged for utility bills etc expenses.
Even if you load cash in wallet directly from credit card they charge 2-3 percentage extra
He was saying about amex cards
Which band you are wearing in right hand ?
20:57 : you can actually payoff the cc bill by converting the total bill into EMIs. I believe this is the best way to payoff the over spending bills.
Most of the info is good , but all the conversions are not accurate.