Only Premium & Super Premium Cards Discussion

[hs23]

I am not really into the Miles game or the Axis ecosystem, so forgive me if I am not getting it. But based on what you have written, it seems that you are rotating money from Atlas CC to Atlas CC using Snapay, generating Intermiles + some rewards during this process but for a convenience fee levied in Snapay. So far, these are manufactured spends.

Now you are using the Intermiles to get APay Vouchers + some additional rewards, and then using the voucher value as the principal spend, calculating your net rewards.

I have a question, why go through the second part at all. Why not just run the perpetual machine of Atlas to Atlas till it breaks down? What are the limitations imposed by Atlas and why are you unnecessarily constricting yourself to 13K something to generate enough Intermiles? If you do that, how would you determine % returns? Will it be infinite, since there was no principal spend?

Good observations here. The expense increases (1.18% lowest fee option) and no of miles you earn per 15L decreases (all miles at 4%) but that is certainly least hassle way and fastest way to collect miles

In this case I would use Principal spends = card fees + payment gateway fees. Returns % is far higher but not infinite. 487.29% on 15L spends. (115000 miles/ 23600 expense).

 

[mosco]

And risk of getting all miles blocked and maybe a net loss of 24K

 

[hs23]

I am not really into the Miles game or the Axis ecosystem, so forgive me if I am not getting it. But based on what you have written, it seems that you are rotating money from Atlas CC to Atlas CC using Snapay, generating Intermiles + some rewards during this process but for a convenience fee levied in Snapay. So far, these are manufactured spends.

Now you are using the Intermiles to get APay Vouchers + some additional rewards, and then using the voucher value as the principal spend, calculating your net rewards.

I have a question, why go through the second part at all. Why not just run the perpetual machine of Atlas to Atlas till it breaks down? What are the limitations imposed by Atlas and why are you unnecessarily constricting yourself to 13K something to generate enough Intermiles? If you do that, how would you determine % returns? Will it be infinite, since there was no principal spend?

The second part is useful if you have actual spends and want to get 10% miles for those. Apay is accepted at many places such as OTA platforms like Cleartrip, swiggy, utility bill payments etc. We can get earn 10% miles benefit on these expenses.

 

[hs23]

Anyways this whole trick will last only till Axis is giving rewards on utility. Axis has already stopped rewards on all other cards incl Magnus and Reserve. Soon there will be devaluation of Atlas also.

 

[Random123]

Did this give you 10%

Yes I got 5X miles. The OTP message was Jet privilege pvt limited but the merchant name during pending and settled transactions shows CRED.

 

[Random123]

Nope, received only 2 EM per 100.

Hi thanks for informing, can you please share what was the merchant name after settlement. Asking because it gave 5 EM per 100 with same merchant name during OTP but Cred in the settled transaction

 

[hs23]

Snapay has devaluation - no longer getting 1.5X intermiles, only 1X. This throws all the calculation out of the window. Need revised calculations.

 

[D₹V]

Snapay has devaluation - no longer getting 1.5X intermiles, only 1X. This throws all the calculation out of the window. Need revised calculations.

 

[CCFan12]

 

[Harry1]

Snapay has devaluation - no longer getting 1.5X intermiles, only 1X. This throws all the calculation out of the window. Need revised calculations.

Lol it keeps changing every now and then. This time it stayed for more than a month. U just need to keep checking. Usually they offer better rates in second half of month.

 

[tryabptryabp is verified member.]

Earlier for 20k snapay payment we got 700 intermiles now its showing 615 intermiles. Its still fair value proposition.

 

[hs23]

Earlier for 20k snapay payment we got 700 intermiles now its showing 615 intermiles. Its still fair value proposition.

Earlier the intermiles would cover the snapay fee, now it cannot.

Also this trick will not last long so use it while you can. Vistara cards already excluded from utility from Jan 2024, only Ace and Atlas left now.

 

[hs23]

Lets discuss what are best redemption for Atlas miles. As per my research the best is ITC, Accor and CV (I dont need CV).

ITC can give you 1:3 transfer on Marriot bonvoy upto 15K per quarter. This is best option is you dont have Amex. If you already have unused points on Amex, its less attractive. To get the best deal, you will need to transfer 30k points to Marriott over 2 quarters and spend those on 4+1night free offer.

Edit: Avoid ITC to MB, unless you are active user of both ITC and Marriott. Too many restrictions in place. Read here: https://livefromalounge.com/club-itc-introduces-changes-to-transfer-rules/

CV: You can skip CV transfers on Atlas if you have Vistara cards.

Accor: Seems the most interesting due to non dynamic pricing, budget stay options and you can pay for meals at same redemption rate.

Anyone got better ideas?

Please suggest best airmile redemption. My research says that budget asian airlines will offer better value then miles. So the only routes that are interesting North America (united), Japan (Japan airlines) and europe (turkish / vistara).

 

[ADITYA1904]

Earlier the intermiles would cover the snapay fee, now it cannot.

Also this trick will not last long so use it while you can. Vistara cards already excluded from utility from Jan 2024, only Ace and Atlas left now.

What is twid rewards mcc category?

 

[hs23]

What is twid rewards mcc category?

Mentioned in the first post. In snapay it is 4900 but it depends on merchant I think.

 

[ADITYA1904]

Okay bhai…thank you…

 

[Random123]

Hi do we need to give different mobile number while adding under utility ? Getting this error


Thanks

 

[kshitij_0]

Snapay has devaluation - no longer getting 1.5X intermiles, only 1X. This throws all the calculation out of the window. Need revised calculations.

Snapay se intermiles kaise bhai? Main to direct Ace use karta tha

 

[TheMentalist]

Earlier for 20k snapay payment we got 700 intermiles now its showing 615 intermiles. Its still fair value proposition.

700 was the cap, so actually for just 15.5k payment you were getting 700 IM

 

[LJGIBBS]

Snapay se intermiles kaise bhai? Main to direct Ace use karta tha

Amount likhne ke baad payment method mei Pay with rewards use kar ke, udhar jis number se intermiles hai, usi se login karna hai. Twid rewards ka gateway aayega, intermiles select karo (dhyaan rakhna, earning aur redemption dono option show hoga). aur paymen kar do. Intermiles aa jayenge 3-4 ghante mei