u/DoBaniye

Don’t have a HSBC card?

TravelOne gives 4% Accor points on international spends! Apply here

Live+ comes in Visa Infinite variant so can be useful for Visa offers. Apply here

Follow r/DoBaniye to stay updated on Credit cards, Travel and Lifestyle!

Add your Visa/ Mastercard Axis Bank credit cards to your Apple Wallet, works for both iPhone and Apple watch!

Which card are you adding?

For anyone who wants these updates without having to keep checking Reddit, we post the useful ones on our Do Baniye WhatsApp channel too.

Already 21,100+ members are on the channel.

And unlike a WhatsApp group, you don’t need to share your phone number with anyone.
👉 Join the WhatsApp Channel

We tracked every flight, hotel stay & credit card reward, and here's what 6 months of strategically using our cards looked like:

✈️ 8 flights
🏨 14 hotel nights
💰 ₹2,81,500 saved
🎯 2.17L points redeemed

And here's how we earned the rewards 👇

💳 HDFC Infinia
→ ~₹8L spends
→ 1,35,200 points

💳 Axis Atlas
→ ~₹3L spends
→ 23,000 points

💳 Amex Platinum Travel
→ ~₹4L spends
→ 59,000 points
→ + ₹10,000 Taj voucher

📊 Total spends: ~₹15L

We used these rewards across:

🇦🇱 Albania
🇱🇰 Sri Lanka
🐯 Kanha/Raipur
🏔️ Tawang
🌴 Sakleshpur

One more hack: we also saved on our Tawang Vivanta stay using Taj vouchers bought through Amazon + HDFC Infinia.

₹15L of optimised spends → ₹2.8L of travel savings. 🔥

What has been your favourite redemption of 2026?

Follow our Whatsapp Channel with 21,000+ members!

Here’s what cardholders can expect 👇

✈️ Airport & Railway Lounge Access

⛳ Golf Privileges

🎬 Buy 1 Get 1 Free on movies on District, up to ₹250

⚠️Important: All three benefits require ₹20,000 spends in the previous month.

So, if you’re planning to use these benefits, keep the ₹20K monthly spend requirement in mind.

Don’t forget to link your Flipkart and Uber accounts!

Earn 4% Flipkart supercoins extra on Uber rides!

Link here

Share it with a daily Uber user!

Flipkart’s biggest sale starts 9th October!

⚡ Early Access: 8th October
For Plus, BLACK & Flipkart Credit Card members.

💳 10% Instant Discount on Axis & ICICI Bank cards

And if you’re planning to shop, check these card offers until 30th Sep:

• Axis Flipkart Credit Card: First year FREE
• Axis Neo: Lifetime FREE
• Axis Privilege Amex: Lifetime FREE

👉 APPLY NOW

Are you planning to buy anything specific in this sale?

Accor Live Limitless(ALL) members can earn bonus nights based on their status:

🔹 Classic → 5 bonus nights
🔹 Silver → 7 bonus nights
🔹 Gold → 10 bonus nights

📅 Book by: 30 Nov 2026
🏨 Stay by: 30 Dec 2026

Perfect opportunity to boost your Accor status/rewards before year-end.

Check offer details and register

Follow our 21,000+ strong Whatsapp Channel to stay updated!

From October 15, 2026, some UPI merchant transactions above ₹2,000 will attract up to 0.4% MDR.

But before you panic:

YOU are NOT being charged.

Here’s what is actually changing 👇

First, the biggest misconception:

❌ UPI is NOT becoming paid.

You can still send money to your friends/family for FREE.

P2P UPI remains ₹0.

And merchant payments up to ₹2,000 remain ₹0.

So where does the 0.4% come in?

For eligible Person-to-Merchant (P2M) transactions above ₹2,000:

₹3,000 → ₹12 MDR
₹10,000 → ₹40
₹50,000 → ₹200
₹75,000 → ₹300

Above ₹75K, the MDR is capped at ₹300.

And there are important exceptions.

Small merchants covered under the P2PM framework — including many neighbourhood shops and street vendors — continue with ZERO MDR.

So:

“UPI above ₹2,000 = 0.4%”

is NOT the complete story.

Essential categories get special treatment too.

For eligible transactions above ₹2,000 in sectors such as:

• Railways
• Telecom
• Insurance
• Fuel
• Agricultural inputs

MDR is ₹5 flat, instead of 0.4%.

Capital markets get an even lower rate:

📉 0.02% MDR

for eligible payments relating to securities, mutual funds, stockbrokers/dealers etc.

Capped at ₹300.

Now the important part:

💰 WHO PAYS?

The MDR is charged within the merchant/payment ecosystem.

It is NOT supposed to be added to your UPI payment.

Pay ₹10,000 to an eligible merchant?

You pay:

₹10,000

Not ₹10,040.

Why introduce MDR now?

UPI has become MASSIVE.

August 2026 alone saw:

🔥 24.51 BILLION transactions
🔥 ₹29.82 lakh crore transaction value
🔥 752 banks live on UPI

The zero-MDR model has made UPI incredibly popular — but created a challenge around monetising and sustaining the ecosystem.

This is also BIG news for payment companies.

For years, companies processing enormous amounts of UPI merchant payments had limited direct monetisation from standard bank-account UPI.

Now, eligible large-ticket merchant transactions create a new revenue pool.

That could change the economics of UPI.

⚠️ But there's one thing to watch:

Will merchants simply absorb the MDR?

Or will some start:

• Preferring cards/cash
• Setting minimum UPI amounts
• Changing prices
• Steering customers toward other payment methods

Officially, consumers shouldn't be charged MDR.

Merchant behaviour is the wildcard.

So here's the simple version:

🟢 P2P UPI → FREE
🟢 P2M ≤ ₹2K → FREE
🟢 Many small merchants → FREE
🟢 Consumer MDR → ₹0

🔴 Eligible large P2M → up to 0.4% MDR

UPI isn't becoming paid.

But the era of completely zero MDR for every merchant transaction is ending.

Follow r/DoBaniye to stay updated!

Indian passport holders can enter Uzbekistan without a Uzbekistan visa if they hold a valid multiple-entry Tourist or Business visa issued by:
🇺🇸 USA
🇬🇧 UK
🇨🇦 Canada
🇦🇺 Australia
🇯🇵 Japan
🇳🇿 New Zealand
🇰🇷 South Korea
🇪🇺 Schengen countries
Conditions:
• Stay permitted: up to 30 days
• Valid multiple-entry qualifying visa required
• Confirmed return/onward air ticket required
Planning Tashkent, Samarkand or Bukhara? This just makes the trip a lot easier.
Save & share with your travel buddies.

Follow r/DoBaniye to stay updated!

👉 Yatra
👉 EaseMyTrip
👉 Paytm Travel
👉 Cleartrip
👉 Goibibo

Using HSBC TravelOne 💳
🔹 Base rewards: 2%
🔹 2X rewards on flights, travel & international spends → 4%
🔹 2X–6X on Rewards Marketplace → 8%–24%
 Hotels | Flights | Car Rentals
🎯 Redeem your rewards via miles transfer
⭐ Includes Accor at 1:1

Apply here

Here’s the full breakdown 👇

🔹 Base Rewards
* 2 RPs per ₹100 = 2%
* 1 RP ≈ ₹1 with transfer partners like Accor

🔹 2x on Flights, travel, intl spends
* 4% rewards
* Capped at 50K pts/month
= ₹12.5L spends

🔹Milestone:
*10K bonus pts on ₹12L annual spend

Exclusions: bail and bond payments, education and government , e-wallets, financial institutions, fuel, insurance, jewellery, money transfers, non-financial institutions, real estate agent and managers, tax payments, utilities

What is Rewards MarketPlace?

HSBC Bank's portal for accelerated rewards on specific spends.

Example:
Rewards MarketPlace offers 6x (24%) RPs for hotel bookings using HSBC TravelOne card.

Accelerated Rewards MarketPlace

🔹 6X (24%) – Hotels
🔹 4X (16%) – Flights
🔹 2X (8%) – Car rental

🧢 Cap: 18,000 RPs/month = ₹1.5L monthly spend on Flights

Transfer Partners

1:1 – Accor, IHG, Marriott, Wyndham, Air India, BA, Singapore, Qatar, JAL, Air France-KLM, Qantas, Etihad, Thai, Vietnam, EVA Air

2:1 – Turkish, Hainan, United

5:1 – Shangri-La

1:3 – Air Asia

💡 Accor gives best value: ~₹2.2 per pt (1:1)

Travel & Lifestyle Perks

6 domestic + 4 intl lounge visits/year

B1G1 movie tickets (District app, 2/month)

15% off flights/hotels (Yatra, EMT, PayTM Travel, ClearTrip)

11% off StayVista, 20% off AdaniOne

Fees & Eligibility

₹4,999 + GST (waived on ₹8L spend)

Cities: Chennai, Delhi NCR, Pune, Hyd, Mumbai, Blr, Kochi, CBE, Jaipur, Chd, Ahmedabad, Kolkata, Amritsar, Baroda, Indore, Lucknow, Nagpur, Surat, Trivandrum

Annual Income: ₹6L+ salaried, ₹12L+ self employed

Apply now

✅ Verdict: This is a great travel mid tier card with discounts on travel aggregators and transfer to Accor for people in the above cities!

Follow r/DoBaniye to stay updated on Credit cards, Travel & Lifestyle!

You now get 0% forex markup on international transactions across IDFC FIRST credit cards. 🌍💳 And yes, eligible cards will also earn reward points!

With the Amex → Virgin Atlantic transfer ratio now at 5:4, the answer for the best Amex transfer partner is pretty easy for us:

👉 Virgin Atlantic Flying Club ✈️

And your Virgin miles can take you to some incredible destinations:

🇬🇧 UK
🇯🇵 Japan
🇰🇷 South Korea
🇻🇳 Vietnam
🇰🇪 Kenya
🇪🇺 Europe

If you’re sitting on a pile of Amex points, Virgin Atlantic deserves your attention.

Where would you fly using your Virgin miles? 👇

Follow r/DoBaniye to stay updated on Credit cards, Travel and Lifestyle!

You can STILL buy upto 10,000 Amex points for just ₹4,000 in a year.

✅ All you need is 10K points already sitting in your account
💰 Cost: ₹4,000
🎁 Get: 10,000 additional points

If you have 10K Amex points, don’t miss this!

You can buy upto 10K points per year at 40p per points in the multiples of 1K. You need to have those many points in your account at the time of buying. It gets credited in 1-3 working days. We used the app chat support option for this.

Follow r/DoBaniye to stay updated!