One-on-one Credit Card Consultation [Paid]

By | October 13, 2021
credit card consultation

100’s of articles, 1000’s of comments and still unable to find a satisfying answer to your burning queries about living a life out of credit card rewards? You’ve landed at the right place.

You’re probably not finding your answer either because your profile is different from others or because you don’t have sufficient time to go through 100’s of articles to find an answer for a question or two.

But worry not, you can now get real-time answers to your queries over call as I’m here to answer you.

That’s right, I’m re-opening the one-on-one credit card consultation service after a long time and not just that, it’s also pocket friendly now (999 INR).

You can directly talk to me over phone and get all your queries answered in no time.

What do I know?

I’ve been using credit cards across multiple issuers for over 10 years – with annual fee of cards ranging from Rs.0 (life time free) to Rs.70,000 (expensive metal’s)

At any point in time I hold 10+ credit cards in my wallet and I make sure all my spends are giving me sufficient rewards to fund my travels and bit more.

All that gives me sufficient experience to answer the queries that you may have.

That said, almost 95% of what I know is already written here. So what you get with the call is the fastest way to tap that 95% + the remaining sweet 5% as well.

What can you ask?

You can ask me anything that runs on your mind about credit card rewards, airmiles, hotel loyalty programs, etc.

I may not be an expert at knowing everything in the industry, but I’m happy to know little that helps me live a life on credit card rewards with a peace of mind.

You may ask, “peace of mind with 10 credit cards?”, well you may definitely ask that query too. 🙂

Speaking of which, I would kindly advice you to limit your queries to 3-5 max with one call. This is to make sure you prioritise your most imp. query so that you get max value out of the call.

What to expect?

A straight & quick solution to your query. Simple as that!

I prefer to have simple strategy to earn rewards and so your query too will be answered in the same line of thought.

However, note that this consultation is “not for planning a complete credit card strategy”. Because it would take well over 30 mins at-least and from my previous experience this takes quite a lot of mind-work as I need to mould myself into your profile and think from your shoes with so many variables.

So I would prefer you to limit it to “specific queries” that would increase your savings significantly.

If you’re wondering how to plan your credit card strategy, do check out the best credit cards article. That’s more than sufficient for most cardholders to maximize their spends.

So ideally, you can expect “simple and easy” answers to let you earn rewards and redeem for free vacation. Speaking of which, you need to know that I’m not a “road warrior“ who does 100’s of nights in hotels.

So I won’t ask you to stay half of your life in hotels to enjoy the perks I do. Expect simple solutions to make your travel better and perhaps free, just as every other card experts are enjoying their life on points.

What’s the cost?

Here’s a quick look into everything you need to know, along with the cost & inclusions.

  • You get: one-on-one telephonic consultation with me (one time)
  • Call Duration: ~30 mins
  • Booking period: 10th to 16th Oct 2021
  • Cost: Rs.999
  • Book Now

You may ideally expect a callback to the mobile number that you’ve used while making the payment, within ~72 hrs of booking an appointment.

If you think the call is getting delayed or if you’re in an urgency, drop me a line here so that I’ll make sure you’re on priority.

Note: The ~15 mins time duration is flexible and can even go upto ~30 mins. But if you think you’ve a lot of queries that would require more time, you may also take multiple 15 mins slot.

FAQ’s

1. I have read all your articles, will this consultation still be useful to me?

Mostly no. You’ve already read 95% of the content and you should be an expert by now. But if you think you’re missing out on something, I would be happy to answer.

2. I spend 3L a year on cards, can you optimize my returns?

At this spend level, best credit cards article is sufficient to give what you need. The consultation is mostly suited for those who have (or plan to have) annual spends >7 Lakhs.

3. Do you guarantee on getting me a super premium credit card?

The consultation gives you ways and means to get the card you desire – be it Infinia or Centurion. My suggestions have worked for over 90% of whom I’ve spoken to. However, it’s not guaranteed as it totally depends on one’s profile.

Got queries? get answers, book your one-on-one credit card consultation now.

Author: Siddharth

Helping Indians to choose right credit cards, pick right offers and enjoy luxury vacations for less. Day & night exploring the spiritual reality of our human existence.

34 thoughts on “One-on-one Credit Card Consultation [Paid]

  1. Priyansh

    The best part of this, I have loved is, you are up front telling users who have read articles or have low spends, that might not be for them. And even say you are happy to answer here if any for them

    Love the honesty. Hope more people are like you.

    Kudos to work you are doing mate.

    Reply
  2. Sud

    1000 Bucks for 15 mins call…Seriously …
    No value can be provided in 15 mins.

    I know this comment wont be approved …

    Reply
    1. Siddharth Post author

      You may not get the value you’re looking for, based on spends, etc.
      I myself discourage if spends are less.

      But can’t generalize it saying “No value can be provided in 15 mins.”

      Reply
      1. Ramprasad G

        Agree. A lot can be achieved in 15 min if kept focused. In some of my office meetings, good number of important decisions are taken within a 30min meeting, which otherwise would have easily taken 2+ hours in another company.
        It’s all about keeping focus & to-the-point.

        Reply
    2. Abhi

      There can certainly be value provided in a 15-30 min discussion, and 999 is reasonable for expert financial advice.
      But I m so habituated to reading about card charges that I m curious to know, is it 999 or 999+gst… lol

      Reply
    3. Shailesh

      You have no idea!

      I did a call with Sid back in 2017. It’s one of the best decisions I took in my life. With all the spending I was doing on my cards I was literally losing so much in rewards. On the call, he analyzed all the spending and pattern suggested me cards and also gave me the trick to get an invite-only ultra-premium card which I was unaware of and never thought I would be able to get myself. But I got it and the rewards I get for my spending on it are unbelievable for anyone.

      And just because of that card, no card in India is out of my reach. If I want to do it on a C2C basis.

      This is just my story, there may be many more like me.

      Reply
  3. Addy

    Hi sid
    Yesterday while looking for a credit card holder (which can hold 10+ cards) online i was wondering which cc holder sid will be using for carrying his cards.
    Kindly share.
    Thanks

    Reply
    1. Siddharth Post author

      I usually hold 3 credit cards & one debit card, in a regular wallet (one from baggit – the best one I’ve ever found).

      But yes, I do have a very good un-branded long wallet similar to the one got from BOB eterna with a Zip (redeemed payback points long ago for that) to hold like 20 cards (some loosely kept).

      Reply
  4. Paras Dutta

    Congratulations on this Sid.There is no one better than you when it comes to credit cards,points miles etc education. And Love the honesty ! All the best 😀

    Reply
  5. Vikas Rathi

    Hi Sid,

    I really like the idea and honestly, I myself am I big fan of credit cards and keeping following what’s new in the market and how best to utilize the offers to gain from it. I would be really interested to get involved in any research and finding new content for the website on a voluntary basis.

    For other users, I would like to say that the charge of Rs.999/- might sound a bit high for 15 mins but we need to understand from his point of view and value the time that he is investing in the call. Also, it is a one-off cost that you will be spending which will be fruitful for the next 2-3 years.

    Reply
  6. OP

    Hi Sid,
    Loved your honesty !!
    Respect your knowledge !!

    Certainly 999 may not be much for the people who do not have time to go through articles and comments 🙂

    Reply
    1. Siddharth Post author

      It’s nice to talk to people after a long time. So dropped the price to 499 INR 🙂

      P.S. Those who took at 999 will be taken care. Allow me a day.

      Reply
  7. AAJ

    Sid, i can book and not use too, certainly me and others would have been benefiting more than what you have specified as charges.
    Serious note, thank you for all your efforts.

    Reply
  8. Srik

    This Site is my daily first webpage i go thru online..
    bible to credit card users… i am enjoying this site since 2017 december.

    Reply
      1. manoj singh

        Is there any way to get 50-60 recent comments can be displayed on webpage so that no one miss the comments even if there is no new article. Comments can be good food for frequent visitors. Hope you can modify your site a bit to accommodate bit more comments. Also I just saw recent quick update section also missing now. That was great section please get it back as well.

        Reply
        1. Siddharth Post author

          Comments: Needs bit of a work. Will try to implement.

          Quick Update is now replaced with Instant email alerts. Idea is to save your time. You don’t even need to visit the website now to know the latest updates. 🙂

          Reply
    1. Nikhil

      True that. This site has been 1 stop destination for any credit card related queries.

      Reply
  9. Srihari

    I feel disappointed everytime I see that there is no new article in this page. I just see this website 8 to 10 times a day – Just Kidding.
    Saw one of the comments – 999 for a 15 minute phone call is too much – My take is that it’s up to the person’s lifestyle spending pattern, and ATTITUDE. Those who fit in gain, those who dont – they do not lose anything.
    Please keep it going Sid!
    We support you (Morally if not financially :).

    Reply
    1. Sud

      Well it was not with regards to money ..it was regards to the time. 15 mins is too less for a ..we have whole bunch of cards. Features. Ways for rewards and redemption

      Understanding 1s spending pattern itself will take some time..as I understand it was targeted to people who don’t have time to go through the ocean of information already available on this site

      Hence the call out that 15 mins call won’t add much value..

      Reply
      1. Siddharth Post author

        You’re correct with the time part.

        Most actually need 30 mins as they have lot of queries.
        So back to 999 INR & 30+ mins. (happy to continue for even 1hr, as long as there is flow) 🙂

        Reply
  10. PANKAJ BORAD

    HI SIDDHARTH, FIRST OF ALL A BIG THANK TO U FOR SHARING YOUR KNOWLEDGE HERE. I VISIT YOUR WEBSITE 5 to 10 TIMES A DAY (SERIOUSLY BUT MOSTLY FOR HDFC CARDS ONLY). AND MANY TIMES I GET DISSAPPOINTED WHEN THERE IS NO NEW ARTICLE OR ARTICLE RELATED TO OTHER BANK WHICH IS OF NO USE FOR ME. BUT I REALLY THANK YOU FOR SHARING YOUR VALUABLE KNOWLEGDE WITH ALL OF US.

    AS FAR AS YOUR 499 SERVICE IS CONCERN, AS YOU SAID IF WE ARE REGULAR READER OF YOUR ARTICLES IT IS OF NO USE BUT FOR SOME ONE WHO HAS NOT MUCH TIME I MUST A SAY THAT 499 IS NOT A BIG AMOUNT, THIS CAN BE SAVED EVEN IN A SINGLE TRANSACTION. SO AS SAID BY ANOTHER READER HERE-“Those who fit in WILL SURELY gain, those who dont – they do not lose anything.”(READER -Srihari)
    THANK YOU SIDHARTH

    Reply
  11. Boopathy

    Dear friends,
    I am a silent visitor to this site for quite some time, don’t normally leave comments. Just was going through the comments here, thought of just throw in some points in my view. I had a one-on-one discussion with Siddharth and believe me it’s really worth to have a word with him if you guys are really serious into credit cards, points, miles etc.. He has loads of knowledge and any doubts on any cards he has an answer to it. So I feel the discussion thread going on about the cost isn’t the right way. Those who needs more knowledge and information on credit cards can use it and others can pass it, it’s that simple. Do remember he is sharing loads of information on credit cards for FREE through his blog and I am sure many have benefited through it.

    Good day!!!

    Reply
  12. Joseph S

    Literally saying 999 is decent enough to pay as a pay per minutes charge for an expert tips or tricks to save for different card variants . Can Card expert team conceptualize on a 3 months plan or 6 months or a year. 15 minutes on a set period is not sufficient enough to trick complex solutions to solve rather a minimum or maximum of 4 calls or 4 mail concern on a monthly mathematical plans to implement.
    Basically giving an opportunity to people that is a user friendly services specially some referral codes to open a card account or virtual app based card services where one can’t open based on certain credit profiles as an additional value added service. Hope this works in near future. Btw the web articles really works on certain occasions based on customer-customers.

    Reply
  13. Rajiv

    Dear Siddharth,

    I have been following your site for about 2 years now. And I must say your site has been real instrumental in my journey from 4 cards to 25 cards now. Have tried different types of cards and enjoyed perks of different types.

    It is a hobby that helps save a lot of money and enjoy some real good perks. Your analysis, updates, comments from followers are source of real time learning.

    In fact it has made me help a number of people in my circle to optimise their spending and save decent sums.

    Thanks to you Siddharth.

    Reply
  14. Ronak Dhoot

    Dear Siddharth,

    I have been using this website since last 2 years. All articles are very informative and you are doing a great job in providing timely updates. I am sure all are benefited in some or other way.

    Reply
  15. Ekansh Mishra

    Great content.

    Thanks a lot!

    Any Chances Prices for call may dip back to Rs. 499/-?

    Reply

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