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About Me

From My First Bank Account to Unlocking Free Luxury Travel on Top

Welcome to SmartSpendCode, a passion project born from my decade-long journey of mastering the art of maximizing credit card rewards. This journey began during my early college days, thanks to my dad, who opened my first bank account at Bank of Baroda. Back then, digital banking was still in its infancy, and I was one of the first in my circle to embrace a debit card. While the usual norm was to fill out forms and stand in queues at the bank, I was fascinated by the idea of net banking and ATMs. What started as the excitement of using my first Bank of Baroda debit card during college has now evolved into a passion for turning everyday expenses into luxury experiences.

From an early age, I was fascinated with finding the best deals on everything – from dining and travel to online shopping. It became almost like a hobby, and soon, I was the go-to person among my friends whenever they needed the best deal on anything. Whether it was snagging discounts on a meal or scoring the lowest price for a gadget, I was always on the lookout for the perfect offer. This knack for savings and optimization laid the foundation for what was to come in my journey with credit cards.

From First Credit Card to First-Class Flights

My Journey into Credit Card Mastery

The real game began when I got my first job and received my first credit card—the Amex Membership Rewards Card. That moment marked the beginning of my journey into the world of credit card rewards. From redeeming points for Taj hotel stays to securing luxury travel, my passion for maximizing credit card benefits grew exponentially.
 
For years, I held onto the belief that a good credit card should be lifetime free. But then, a couple of years ago, the Axis Magnus Card came into the picture, revolutionizing the credit card game with its unparalleled rewards. This was my first foray into paid credit cards, and it opened my eyes to the incredible potential of reward optimization.
 
From that point on, my passion for optimizing spends only grew. I discovered how to sponsor luxury holidays simply by using the right credit cards and strategies. What began as a hobby became a passion, and soon I found myself helping friends book 5-star properties and business class flights at a fraction of the cost.
 
My experience in maximizing rewards has taken me to luxury properties and allowed me to experience business-class flights—all without breaking the bank. Whether it was booking a Mumbai-London first-class flight for ₹70k instead of ₹5 lakhs or helping a friend enjoy a luxury stay in Goa for free, I’ve realized that this knowledge deserves to be shared.

Introducing SmartSpendCode

And so, SmartSpendCode was born—a platform where I will share my experiences, insights, and strategies. Here, you’ll find guidance on optimizing your spends, saving on luxury travel, and achieving top-tier status in various programs at no extra cost. My goal is to help you elevate your lifestyle through smarter spending.
 
Additionally, if you’re ready to take your spending game to the next level, check out my invite-only consultancy services. From optimizing your expenses to helping you redeem points for your dream destinations, I’m here to help you make the most of every swipe. Since this is a passion project and I continue to work full-time, these services are available by invite only.

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