Nikhil Gupta @ChFrameworkOff
Chief Framework Officer | Living for match days, maximizing reward points. You'll find me talking Man Utd, cricket, travel hacks, and all things finance. Joined August 2012-
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Want to know why banks give credit card rewards 👇
Want to know why banks give credit card rewards 👇
Seems like American Express Platinum Travel card applications are live now. For anyone looking for it, click on the link below to apply: americanexpress.com/en-in/credit-c… #americanexpress #creditcards
Planning to use reward points for travel? ✈️🏨 Your strategy must include these 3 non-negotiable ecosystems for their elite airline & hotel transfer partners: 1️⃣ American Express 2️⃣ Axis Bank 3️⃣ HDFC Bank Keep an eye on emerging players like HSBC, ICICI & IndusInd! #TravelHacking…
Ever wonder how banks afford credit card rewards on top of an interest-free period? They're funded by interchange fees—the ~1-3% cut merchants pay on every transaction. By giving you points, they encourage you to spend more, earning them more from those fees. #CreditCards…
Stop letting the annual fee scare you. The real credit card math is simple: (Rewards + Welcome Bonus + Lounge Access + Perks) > Annual Fee For the right person, a paid card isn't a cost—it's a high-value tool. Stop chasing "free," start chasing value. #CreditCardTips #FinTwit…
Well curated list! Using the right credit card can turn foreign spends into amazing earning opportunities 💵
Well curated list! Using the right credit card can turn foreign spends into amazing earning opportunities 💵
Massive devaluation on the Swiggy x IndiGo partnership! The earning rate has been slashed from 1 BluChip per ₹100 to just 1 BluChip per ₹250 spent. That's a 60% drop in the reward rate, from ~1% to a meager 0.4%. Disappointing move. 📉 #IndiGo #Swiggy #Devaluation #6ERewards…
The 4th & most crucial pillar of investing: VALUATION. 📈 A great company is a bad investment if overvalued. Don't just use the lagging P/E ratio. The PEG ratio is key as it includes future growth. A PEG ratio < 1 often signals an undervalued stock. #Investing #Valuation…
Was this the worst super over? PS. Good for us though #AsiaCup2025 #India
Even at their maximum potential, the IndiGo SBI credit cards are underwhelming. On a ₹10L annual spend: ✈️ ELITE card maxes out at a ~4.3% reward rate. ✈️ Regular card barely hits ~1.8%. Honestly, the rewards are too low. #CreditCards #TravelHacks #IndiGo #SBI
Another important reason to stay diversified and keep part of your savings / investments in dollars! #investing #frameworkgyan
Another important reason to stay diversified and keep part of your savings / investments in dollars! #investing #frameworkgyan
Pillar #3: Free Cash Flow (FCF) 📈 Forget just profits, follow the cash! FCF is the real cash a business generates after all expenses & investments. It's the ultimate fuel for future growth, innovation, and shareholder returns (dividends/buybacks). Steady FCF = a competitive…
Part of my day to day life. A steal at that price! @amazonIN #Thegreatindianfestival #BigBillionDays2025
Part of my day to day life. A steal at that price! @amazonIN #Thegreatindianfestival #BigBillionDays2025
The sad truth! 🤐
Pillar 2: Smart money follows financial health. Look for companies with a low Debt-to-Equity ratio. It means they're built for growth, not just servicing debt. Your portfolio will thank you. #ValueInvesting #Stocks
What's my name? What's my name? What's my name? 🎧🎧🎧 #PersonalFinance #creditcard #travel #framework #football #ManUtd
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