Every Paisa Matters

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Every Paisa Matters Having gone through a journey of learning the difficult aspects of "Running the day to day aspects o A FinEnthu determined to make understanding Finance Simple.

An Engineer by Education
A Financial Enthusiast by Passion. Having gone through a journey of learning the difficult aspects of "Running the day to day aspects of Life" myself, I have now embarked on the second leg to share the same with people. Like many of you, I made mistakes too. I did have some blessed people by my side to coach, guide and navigate me and also to "advise rationally" what we should and shouldn't do. This year, I have learnt more than I learnt in past 15 years. The learning never stops!!! So, with the mantra of "Life is Simple, Let's not complicate it." I will try to share some valuable learnings which have helped me where I am today. These are some very easy to understand principles, things that each one you can follow easily. If you still can't follow, we will make it "EASier", for sure. So, let's learn something new today with a very easy aim to follow. That of "Bachate Rahein! Kamate Rahein!" because EVERY PAISA MATTERS

14/10/2026

🥇 How to Buy Gold Cheaper Online! 🪙

💬 Comment GOLD to get the deals via DM!

I compared the price of the same gold coin at an offline jewellery store and on Amazon, and the difference was surprising! 👇

📍 Offline Jewellery Store
💰 Final Price: ₹15,934

📦 Amazon
✅ Bank Discount: ₹1,750
✅ Cashback: ₹1,250
💰 Effective Price: ₹14,800

💸 Total Savings: ₹1,134 (7.66%)!

Before buying gold, don’t just compare the gold rate. Check these too:
✅ Making charges
✅ Taxes
✅ Bank discounts
✅ Credit card cashback

A little research and the right payment method can help you save money on your gold purchase.

⚠️ Gold prices fluctuate, and offers can change. Always check the latest price and applicable terms before ordering.

[Gold Buying, Buy Gold Online, Amazon Gold Coin, Gold Coin, Credit Cards, Bank Offers, Credit Card Cashback]

🎬 Free Movie Tickets, Airport Lounges & Golf — For ₹0 Annual Fee! 💳Looking for a lifetime-free credit card with movie an...
14/10/2026

🎬 Free Movie Tickets, Airport Lounges & Golf — For ₹0 Annual Fee! 💳

Looking for a lifetime-free credit card with movie and travel benefits? The IndusInd Tiger Credit Card is worth checking out! 🐯

Here’s what you get:

🎬 Movie Benefits: Get up to ₹500 off on one BookMyShow movie ticket, twice a year.

✈️ Domestic Lounge Access: 8 complimentary visits per year — 2 per quarter, with no spend criteria.

🌍 International Lounge Access: 2 complimentary visits per year through Priority Pass, without any spend criteria.

⛳ Golf Benefits: 1 complimentary golf game every quarter.

💳 Lifetime Free: Zero joining fee and zero annual fee.

Want to know more about the IndusInd Tiger Credit Card?

👇 Comment “TIGER” to get the card application link and my YouTube video explaining its benefits.

Follow for more credit card tips, movie offers and travel benefits.

[IndusInd Tiger, IndusInd Tiger Credit Card, Credit Card, Lifetime Free Credit Card, Movie Tickets, BookMyShow Offers, Domestic Lounge Access, International Lounge Access, Priority Pass, Golf Benefits, Credit Card Benefits, Best Credit Cards India]

13/10/2026

⚠️ Stop Wasting Money on Airtel Bills!

The Axis Airtel Credit Card has undergone major changes from 12 April 2026. Here’s what you need to know 👇

📱 Airtel Bills: 25% cashback on Airtel spends and 10% on other utilities via Airtel Thanks App, but cashback caps are now linked to the 1% base cashback you earn.

🛒 Shopping & Entertainment: Swiggy benefits are gone. You now get 10% value back on Zomato, Blinkit and District Movies, capped at ₹200/month per partner. Zomato and Blinkit orders require a minimum ₹499 spend.

✈️ Lounge Access: 4 complimentary domestic lounge visits discontinued.

💡 Want alternatives for your everyday spends? Check out these cards:

💳 PhonePe SBI Black Credit Card
💳 PhonePe HDFC Ultimo Credit Card
🔥 HSBC Live+ Credit Card

👉 Links to apply are in my bio.

Follow for more credit card tips, tricks and updates.

[Airtel, Credit Card, Axis Credit Card, Axis Airtel Credit Card, Airtel Bill Payment, Airtel Cashback, Credit Card Changes, Cashback Credit Card, PhonePe SBI Black, PhonePe HDFC Ultimo, HSBC Live Plus, Best Credit Cards India]

11/10/2026

🙋‍♂️ Axis Magnus or Magnus 4 Burgundy - Are They Even Worth Applying?

11/10/2026

😎 Use Credit Cards Responsibly!
Apply Only when it matches your spend type!

10/10/2026

🎬 How To Get ₹500 OFF on a Movie Ticket with This Lifetime-Free Credit Card! 💳

Did you know you can get a movie ticket worth up to ₹500 for free with the IndusInd Tiger Credit Card?

This lifetime-free credit card offers 2 complimentary movie tickets every year through BookMyShow — one ticket every six months, up to ₹500 per ticket.

In this reel, I show you how I saved ₹500 while booking a movie ticket for just one person. 🍿

And there’s more to this card than just movie tickets!

✈️ Domestic Lounge Access: 8 complimentary visits per year — 2 per quarter, with no spend criteria.

🌍 International Lounge Access: 2 complimentary visits per year through Priority Pass.

⛳ Golf Benefits: Complimentary golf privileges.

💳 Lifetime Free: Zero joining fee and zero annual fee.

🌐 Forex Markup: 1.5% + GST on international transactions.

If you enjoy watching movies and want a credit card with useful travel benefits too, this card is worth exploring.

👉 Want to apply? The link is in my bio.

Follow for more credit card tips, movie ticket offers and ways to get more value from your spending.

[IndusInd Tiger, IndusInd Tiger Credit Card, Movie Tickets, Credit Card, Free Movie Tickets, BookMyShow, Movie Offers, Lifetime Free Credit Card, Domestic Lounge Access, International Lounge Access, Priority Pass, Golf Benefits, Credit Card Benefits, Credit Cards India]

10/10/2026

🎬 Save ₹500 on Movie Tickets with This Credit Card! 💳

Imagine booking a movie ticket and saving ₹500 in one go! 🍿

The IndusInd Tiger Credit Card is a lifetime-free credit card that offers 2 complimentary movie tickets worth up to ₹500 each every year through BookMyShow. You can book one ticket every six months.

In this reel, I show you how I saved ₹500 on a movie ticket for a single person using this card!

But that’s not all. Here are some more benefits:

🎬 Movie Benefits: 2 free movie tickets per year, worth up to ₹500 each.

✈️ Domestic Lounge Access: 8 complimentary visits per year — 2 per quarter, with no spend criteria.

🌍 International Lounge Access: 2 complimentary visits per year through Priority Pass.

⛳ Golf Benefits: Complimentary golf privileges.

💳 Lifetime Free: Zero joining fee and zero annual fee.

🌐 Forex Markup: 1.5% + GST on international transactions.

Want to apply for the IndusInd Tiger Credit Card? The application link is in my bio!

Follow for more credit card benefits, movie offers and practical ways to save money.

[IndusInd Tiger, IndusInd Tiger Credit Card, Movie Tickets, Credit Card, Free Movie Tickets, BookMyShow Offers, Movie Ticket Offers, Lifetime Free Credit Card, Domestic Lounge Access, International Lounge Access, Priority Pass, Golf Benefits, Forex Markup, Credit Card Benefits, Best Credit Cards India]

09/10/2026

⛽ How I Saved the Annual Fee on My SBI BPCL Octane Credit Card!

The SBI BPCL Octane Credit Card comes with a ₹4,900 joining fee + GST and offers 6,000 reward points worth ₹1,500 in free fuel, making the first year almost free in terms of value.

From the second year onwards, you generally need to spend ₹2 lakh annually to qualify for an annual fee waiver. I got this card in 2024, but I didn’t meet that spending milestone in either 2025 or 2026. Yet, I managed to get my annual fee waived for both years!

I primarily use this card at BPCL fuel pumps. On ₹10,000 monthly fuel spends, I can earn up to ₹625 worth of free fuel. I also occasionally use it on Amazon and Flipkart for instant discounts.

How did I get the fee waived? 👇

1️⃣ Cleared all my outstanding dues and redeemed my reward points.

2️⃣ Called SBI Card customer care and said I was interested in closing the card.

3️⃣ When they asked whether I’d continue using it if the annual fee was waived, I said yes.

4️⃣ After basic verification, the customer care representative waived the annual fee immediately!

I followed the same process in 2025 and 2026, and one of my relatives also successfully got the fee waived using a similar approach.

⚠️ Important: This is based on our personal experience. A fee waiver is not guaranteed and depends on the bank’s decision. Always confirm the applicable terms with customer care.

🎙️ The complete call recording is available to subscribers on the Every Paisa Matters subscription plan.

Follow for more practical credit card tips, savings strategies and real-world experiences.

[SBI BPCL Octane, SBI BPCL Octane Credit Card, SBI Credit Card, Annual Fee Waiver, Credit Card Fee Waiver, Fuel Credit Card, Free Fuel, BPCL Fuel, Credit Card Tips India, Credit Card Savings]

08/10/2026

🚨 H D FC tried converting LTF cards to Paid Card

07/10/2026

💳 Why I Applied for 2 HSBC Live+ Add-on Cards?
Here’s how simple the process was.

Today, I applied for add-on cards for my newly acquired HSBC Live+ Credit Card.

I had requested for Add On cards through the chat section of the HSBC app last Saturday.

I was told I would receive a callback within two days and today I got the call from HSBC to complete the application.

The process was quite simple.

First, I was briefed about the add-on card benefits. Some benefits are separate for each card, while others are clubbed with the primary card.

Each add-on card gets its own:
• 2 domestic + 1 international lounge access every year
• BookMyShow Buy 1 Get 1 offer, with up to ₹250 off per month

The benefits clubbed with the primary card include:
• 10% cashback on food delivery, grocery, utilities, etc., up to ₹1,200 per month
• 1.5% cashback on other eligible spends

For the application, HSBC first took some basic details of the primary cardholder.

For the add-on cardholder, I was asked for details including name, date of birth, state of birth, father’s and mother’s name, contact number, PAN details, PIN code and qualification.

Details of the KYC document were also taken, including the document type, expiry date and other relevant details.

The required documents were pretty straightforward:

📸 Passport-size photograph
🪪 Front side of PAN card
📄 Voter ID / Driving Licence / Passport

Once the details were captured, HSBC emailed a pre-filled form. The required documents had to be uploaded, the form signed and submitted.

That’s it.

The entire call and application process took less than 10 minutes and was very seamless.

HSBC informed me that the add-on card should take approximately 10–12 working days to be processed.

I’ll share an update once the cards arrive. 💳

Benefits, eligibility and timelines are subject to HSBC’s applicable terms and conditions.

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