Niraj Dugar
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
Niraj Dugar
HDFC MARRIOTT BONVOY CREDIT CARD — Hotel Points & Lounge Access 👇
🏨 Annual fee: Rs. 3,000 + GST
🏨 Free Night Award worth up to 15,000 Marriott Bonvoy points — on welcome & every renewal
🏨 Automatic Silver Elite status + 10 Elite Night Credits (fast-tracks to Gold Elite)
🏨 12 domestic + 12 international lounge visits per year
🏨 Up to 3 more free nights on hitting Rs. 6L, Rs. 9L and Rs. 15L spend milestones
🍽️ LIMITED OFFER: 20% off food & beverages at select Marriott restaurants — valid till August 31, 2026
Apply Now 👉 track.techtrack.in/click?campaign_id=150&pub_id=14…
WhatsApp Channel 👇 whatsapp.com/channel/0029VbC5jL2GZNCrwNzqi72S
15 hours ago | [YT] | 4
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Niraj Dugar
New card alert: CUB SalarySe Level Up Credit Card
INR 250 sign up benefit
→ India's first card built only for salaried
→ 7.5% effective cashback on Salary Days
→ 1% forex markup (vs industry 3.5%)
→ 12 domestic lounge visits/yr on ₹10K monthly spend
→ Virtual variant: Lifetime Free
→ Physical: ₹500 fee, waived on ₹2L spend
Apply - salaryse.onelink.me/qtf7/kqfpirij
15 hours ago | [YT] | 2
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Niraj Dugar
TATA NEUCOINS CREDIT CARD — The Ultimate Tata Ecosystem Card 👇
✅ Rs. 1,499 joining fee credited back as 1,499 NeuCoins (1 NeuCoin = ₹1) on first transaction
✅ Up to 10% NeuCoins on Tata Neu app spends (5% base + 5% extra via NeuPass activation)
✅ 5% NeuCoins on partner brands — BigBasket, Croma, Tata 1mg, Air India Express, Titan, Westside
✅ 1.5% NeuCoins on all other eligible spends
✅ Domestic lounge access on spending ₹50,000+ in a calendar quarter
✅ Annual fee waived on ₹3 lakh+ spends in a year
Apply Now 👉 track.techtrack.in/click?campaign_id=123&pub_id=14…
WhatsApp Channel 👇 whatsapp.com/channel/0029VbC5jL2GZNCrwNzqi72S
1 day ago | [YT] | 2
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Niraj Dugar
SBI BPCL CREDIT CARD — Fuel-Focused Rewards 👇
Pay Rs. 499 joining fee and get 2,000 bonus points (Rs. 500 value) credited within 20 days.
⛽ 4.25% value back on every BPCL fuel purchase — 3.25% reward points + 1% surcharge waiver
⛽ 2,000 bonus points worth Rs. 500 on joining fee
⛽ 5X reward points on dining, groceries, movies and departmental stores (capped at Rs. 5,000/month)
⛽ Annual fee Rs. 499 — fully waived on spending Rs. 50,000 in a year
Apply Now 👉 track.techtrack.in/click?campaign_id=83&pub_id=147
WhatsApp Channel 👇 whatsapp.com/channel/0029VbC5jL2GZNCrwNzqi72S
1 day ago | [YT] | 8
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Niraj Dugar
New card alert: CUB SalarySe Level Up Credit Card
INR 250 sign up benefit
→ India's first card built only for salaried
→ 7.5% effective cashback on Salary Days
→ 1% forex markup (vs industry 3.5%)
→ 12 domestic lounge visits/yr on ₹10K monthly spend
→ Virtual variant: Lifetime Free
→ Physical: ₹500 fee, waived on ₹2L spend
Apply - salaryse.onelink.me/qtf7/kqfpirij
2 days ago | [YT] | 5
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Niraj Dugar
INDUSIND EAZYDINER CREDIT CARD — Lifetime Free Dining Card 👇
Lifetime free card built for people who dine out. Guaranteed restaurant discounts every time.
🍽️ Zero Annual Fee — Lifetime free. No joining, no renewal charges
🍽️ Complimentary 3-month EazyDiner Prime membership (25-50% off at 2,000+ restaurants)
🍽️ Up to 45% Discount on Dining — 25% off via EazyDiner + extra 20% off (up to Rs. 500) when paying on EazyDiner app. Use 3 times per month
🍽️ 2,000 Reward Points on Rs. 30,000 quarterly spend — earn 2X EazyPoints on all transactions
🍽️ Renew Prime Membership for Free — Spend Rs. 30,000+ in any quarter to get another 3 months of EazyDiner Prime automatically
Apply Now 👉 track.techtrack.in/click?campaign_id=164&pub_id=14…
WhatsApp Channel 👇 whatsapp.com/channel/0029VbC5jL2GZNCrwNzqi72S
2 days ago | [YT] | 8
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Niraj Dugar
SBI CASHBACK CREDIT CARD — Direct Money Back Every Month 👇
Most cashback cards give you points that expire quietly. This one credits real money directly to your statement.
🔹 Zero joining fee — Rs. 999 annual fee waived on Rs. 2 Lakh spend/year
🔹 5% cashback on all online spends — no merchant restrictions (Amazon, Flipkart, Zomato, everywhere)
🔹 1% cashback on all offline spends
🔹 Cashback auto-credited to your statement — no redemption, no catalogue, no waiting
🔹 1% fuel surcharge waiver at all petrol pumps (Rs. 500-Rs. 3,000, max Rs. 100 per statement)
⚠️ CRITICAL UPDATE (April 1, 2026): Cashback NOW CAPPED at Rs. 2,000 online + Rs. 2,000 offline per statement cycle (total Rs. 4,000/month). Cashback EXCLUDED on digital gaming, tolls, and government transactions.
Apply Now 👉 track.techtrack.in/click?campaign_id=79&pub_id=147
WhatsApp Channel 👇 whatsapp.com/channel/0029VbC5jL2GZNCrwNzqi72S
4 days ago | [YT] | 10
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Niraj Dugar
👉 Apply Now bitli.in/Q9jZFmC
Axis Bank Privilege Credit Card — Rs. 1,500 annual fee with rewards that come back
💳 Welcome benefit of Rs. 2,500 in vouchers (12,500 EDGE Reward points) — on paying joining fee + first transaction within 30 days
💳 8 free domestic lounge visits per year — 2 every quarter (min. Rs. 50,000 spend in prior 3 months required)
💳 100% off on second movie ticket via District app every month (up to Rs. 250)
💳 Up to 25% dining discount (up to Rs. 800 off) via EazyDiner — twice a month
💳 10 EDGE Reward points on every Rs. 200 spent (uncapped)
💳 Annual fee waived on Rs. 5 lakh+ annual spend Axis BankAxis Bank
👉 Apply Now bitli.in/Q9jZFmC
Join our WhatsApp Channel for card offers, hacks and updates 👇 whatsapp.com/channel/0029VbC5jL2GZNCrwNzqi72S
5 days ago | [YT] | 7
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Niraj Dugar
SWIGGY HDFC BANK CREDIT CARD — Rewards You Pay For Itself Fast 👇
🔹 10% cashback on Swiggy food, Instamart, Dineout and Genie — capped at Rs. 1,500 per billing cycle
🔹 5% cashback on other online spends — capped at Rs. 1,500 per billing cycle
🔹 1% cashback on all other eligible categories — capped at Rs. 500 per billing cycle
🔹 Complimentary 3 months Swiggy One membership on card activation
🔹 Cashback credited directly to your statement as statement credit
🔹 Annual fee Rs. 500 — waived on Rs. 2 lakh spend/year
⚠️ NOTE (April 17, 2026): Minimum Rs. 249 transaction required for 10% cashback on Swiggy platforms
Apply Now 👉 tinyurl.com/jn3d93py
WhatsApp Channel 👇 whatsapp.com/channel/0029VbC5jL2GZNCrwNzqi72S
5 days ago | [YT] | 8
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Niraj Dugar
💳 HSBC TravelOne Credit Card
Annual Fee
₹4,999 + GST | Waived on ₹8L+ annual spend
Welcome Benefits (Download HSBC app + Spend ₹10K in 30 days)
₹1,000 cashback
₹3,000 PostCard Hotel voucher
3 months EazyDiner Prime membership
₹250 Amazon eGift voucher (on VKYC application)
3,000 bonus points (spend ₹1L in 90 days)
Rewards
4 pts/₹100 → flights, travel OTAs & forex
2 pts/₹100 → everything else (no cap)
Up to 6X-12X points on Travel via HSBC Rewards Marketplace
1:1 transfers to 20 partners (15 airlines + 5 hotels)
Travel Perks
6 domestic + 4 international lounge visits/year
4 complimentary airport transfers/year (domestic only)
10,000 bonus points on ₹12L+ annual spend
Discounts
15% off Yatra, EaseMyTrip, PayTM Travel & Cleartrip
Up to 20% off duty-free stores in India
Apply Now: bitli.in/zFyMM4s
Join WhatsApp Channel: whatsapp.com/channel/0029VbC5jL2GZNCrwNzqi72S
#1 flexible travel card in India — 20 transfer partners, instant in-app conversions, no partner caps
6 days ago | [YT] | 10
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