April Giveaway: Thanking Top 15 Loyal Readers

By | April 25, 2019

Its been a while since we did the last Giveaway, so this time I made it a bit bigger than usual, both in terms of gift value & the No. of winners.

Rewarding the Top 15 Loyal Readers

I picked the winners who helped the blog based on multiple factors, for the period (Sep 2018 – March 2019). So, the Winners & the respective gifts as Amazon Vouchers are as below:

I’ll contact each of them via email within a week to deliver the above said rewards.

As always, your helpful interactions has phenomenal value to a lot of new & existing readers.

Once again, thanks to all of you who had contributed to the blog and also thanks to regular readers around who’s supporting the blog.

Some changes going forward…

As there are too many repeated comments coming in every now and then, I’m planning to reduce the comment approval rates, thereby making the content in comments section more unique, which will help new readers and also to those who’s answering them.

You might have noticed some names above (like #15) for the first time, wondering how they came in? That’s because, I’ve added more factors that decides the winners, like quality over quantity in the comments and even some other factors that’s beyond the comments system.

Ideally, if someone is helping the community in some way or other, they will be honoured.

Keep reading, keep sharing & keep contributing – it helps others to make wise choice, sometimes it also helps us to get a clarity of our own thoughts!

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.

58 thoughts on “April Giveaway: Thanking Top 15 Loyal Readers

  1. S&S

    Well done!
    Even better done is the first class, business, premium economy and economy color codes for the winners.


    1. Vikas

      When i was looking for information on credit cards against fd, i came across this website, found it really useful. Loved the way of in providing info and always reverts to questions/ queries in comments.
      I just want to request you to provide a “sort” option to view recent comments first.

  2. Himanshu

    I don’t know #9 is me or other himanshu. If me, thanks for choosing. Glad to see my name under list of contributors.

    Have to work hard to reach in top 5 spot. And congratulations to all the winners.

  3. sujit kumar hota

    I would like to volunteer as a moderator too. If that is possible

    1. Siddharth Post author

      Thanks for showing interest. Will let you know.

  4. Abhishek Roy

    Thanks Sid. While, I would love contributing to the blog, it’s really getting difficult for me to take out time these days. I still find time to read the comments and drop in my suggestions and help people with their queries whenever I can. Association with your blog is really something, I have been hugely benefitted from, not because of the give aways, but coz of the constant knowledge that we get from each other. I hope this blog grows more in the days to come. Keep writing and sharing!!

    1. Siddharth Post author

      I wish all gods to give you 10X more free time to spend here πŸ™‚

      1. Shivi

        HDFC RP effect taking over daily life. “10x more free time” 🀣

  5. Prashant Gupta

    Again….thanks….this time i was thinking that i will move down the order but again no.2 feels good. Seriously i am addicted to your blog and have become famous amongst my friends.

    Its good to see the community growing. Keep up the good work guys. πŸ‘

  6. Prashant Gupta

    Also i think as requested by others earlier we all should meet. U can have workshops or meetings in delhi, mumbai and chennai.

  7. Amann

    Thanks a lot Sid

    Not just for the gift , but for the huge saving made huge savings since demonetization. Demonetization became I started reading you blog right after that.

    l now get close to 5% (translating to over 3 lacs a year) on all spends through card (3.33% rewards) and then paying the bill through cred using dcb debit card (1.6% cashback) plus cred rewards.

    Thanks so much for making this blog truly worth an every day visit.

    1. Inder

      Hi Amann, which DCB debit card gives 1.6%. Any other card for online payments like CRED?

    2. Jeet


      How do you get 3.3% rewards? Which DCB savings account debit card gives 1.6%?

      1. Amann

        Hi Jeet / Inder

        I have SCB ultimate credit card which gives 3.33% in rewards on all spends including wallets like paytm.

        Then I use Cred app and pay via Development Credit Bank Elite/ family Account debit card which gives 1.6% cashback upto 2,000/- a month capped further at Rs 20k in a year. (1.25 lac spends a month capped at 12.5 lacs a year) . Best debit card I know where you need to maintain around 25k balance.

        Plus cred rewards and other card / Paytm promotions makes it even better.

    3. JOYCE

      CRED app doesn’t allow the option to use debit card payment on the app unless the amount is more than 1 lakh. So this wonderful deal to earn more rewards and cashback is off now. The very purpose of opening the DCB Elite account seems like a mistake to me.

      I don’t think there are any sites or services that allows us to make a credit card bill payment using the DCB bank debit card. Are you aware of any?

      1. Akash B

        There is one app where you can pay bills using debit card, i.e. Mobikwik. Let me know if it helps.

  8. GTMAX

    So I find myself right in the middle of this list! It is all because of the super high quality content that we have this obsession of Cardexpert and how that has ultimately influenced some of the important financial decisions for most of the community members. We will keep contributing and nurture this space into a far bigger community.

    Thanks Sid for the recognition! πŸ™‚

  9. Satish Kumar Agarwal

    Thanks for this lovely gesture. I am glad, could contribute to the blog.
    And heartfelt congratulations to all the winners.

  10. Mouli

    Thanks Sid for the surprise again and so nice of you for this
    You are the game changer for me in terms of reaping lot of benefits through credit/debit cards in last couple of years after following card expert

  11. Nihar

    Congratulations to all for your contribution & Sidd for the platform . Cheers to Cardexpert !!

  12. Rohit

    @Sid: Instead of reducing the number of comments why not elongate the recent comments section or make it scrollable or something similar. You can appoint some moderator for screening the comments if the load is high.

    1. RKR

      Whether the comments section can be sorted in reverse order? I mean to say the latest thread comes 1st. Then we need not have to scroll much

  13. Amit Handa

    Many Many Congratulations to winners. Hope you guys enjoyed.

    Anyways Siddhartha your blogs are very descriptive and informative and I have saved lot of money as well with that.
    Hopefully we’ll keep on getting more good blogs with more saving.

    Amit Handa

  14. Saurabh

    Sid I need some help recently had used my card to book flight tickets the card bill has been generated however now the tickets stand cancelled the amount will be refunded soon.

    Now should I need to pay the whole amount which is the statement amount or should I pay the amount after adjustment of refund.

    1. Prashant Gupta

      Just pay the minimun due to be on a safer side. The refund will cover the rest payment.

    2. GTMAX

      Varies from Bank to Bank. For most of the banks, you need to pay the full statement amount. As far as I know , for amex you can pay after adjustment of refund

    3. Ashish

      You may pay due amount after adjustment of refund, if refund is credited before statement due date.


      If you have funds then pay the bill in full and ask for excess balance refunds. The logic for such scenario differs from bank to bank. While ICICI, SBI Card do not accept merchant credit as a payment against outstanding, AmEx accepts any reversal or payment against the billed outstanding.

      Once the payment is made and also the refund is received your credit card outstanding would come into Negative – Ask them to refund this thru DD or Account transfer. Usually takes 3-7 days

  15. Amex Guy

    This is insanely cool. Thanks, Sid. I’m obviously addicted. πŸ˜‰

  16. Mickey

    You will have to pay the full amount if the bill has been generated. Cashback and refunds are not adjusted against debits if bill is generated

  17. Nipun

    Congratulations and Thanks to the contributors for keeping our knowledge update on cards and rewards.

  18. Sharathkumar Anbu

    Thank you for recognising our contribution Sid. I am really grateful to this blog. Keep up the good work. Thank you so much for creating such a great community.

  19. Aryaman

    Sorry for going off-topic :-
    ICICI has a co brand credit card with British Airways which offers 25,000 Avios on booking a return ticket from India to England on British Airways. Seems exciting.
    Would be great if you could review it πŸ™‚

  20. Vikas

    Please help me to choose anyone card. This will be my first credit card ever. ICICI instant platinum or SBI unnati card. I choose them As they both are exempted from Annual & Joining fees. I do shopping online at amazon. Now please tell me which will be better at rewards & convenient

        1. Pawan

          Sbi got fd option for simplyclick called simply click advantage. Just walkin to nearest sbi branch and ask for simplyclick based on fd. Beware they ll try to sell you elite card.

          1. Vikas

            I don’t think they will give me “elite” or “simply click” based on my details: FD amount Rs 40,000 + no credit history.

        2. ICONIA

          They will surely give you SBI Simply click against FD of 40000 (limit – 70%). I’m not sure about elite.

  21. Kiran

    Congratulations to all contributors, who have been pillar of support for the blog.



    Finally i am reading your blog and won the 1000 rupees credit not amazon winner here but on cred app won rs 1000 on kill the bill.

    Thanks Sid

  23. Pradeep

    Hey sid,

    How are you doing ?? All well?? Just asking as you travel a lot in airlines


  24. Nipun

    Congratulations to the Team 16, Captain and the 15 Contributors for giving such a good oppertunity to learn to save and every penny saved is penny earned.


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