Every Paisa Matters

An Engineer by Education and A Financial Enthusiast by Passion.

With the mantra of "Let's Uncomplicate Finance", I share some learnings which have helped me reach where I am today.

E-mail me - contact_epm@icloud.com

Disclaimer: I am NOT a SEBI registered investment adviser. The opinion and views and guidance expressed in the videos on the channel are personal opinions based on personal experience and not affiliated to any organization that I may directly or indirectly work for.


Every Paisa Matters

⛽SBI Octane Credit Card - track.techtrack.in/t/Mjc1XzMxNA/?source=yt

My Everyday Fuel Credit
🔥 SBI BPCL Octane = 7.25% value back on fuel ⛽
25X RP + 1% surcharge waiver makes this one of the best fuel cards in India
₹1,499 fee → ₹1,500 joining value
₹2K milestone bonus @ ₹3L spend
👉 Simple rewards. Easy redemption. Real savings
Fuel spenders - this is a no-brainer 💳

2 days ago | [YT] | 30

Every Paisa Matters

tinyurl.com/Tiger-CC-EPM - Apply IndusInd Tiger Credit Card.

1️⃣ ₹1,000 BookMyShow Benefit Every Year

You get two ₹500 BMS vouchers annually.
Straight, simple savings- no complications.

2️⃣ Airport Lounge Access (WITHOUT Spend Criteria!)

✔️ 8 Domestic lounge visits
✔️ 2 International lounge visits
Most cards force you to spend ₹X first - this one doesn’t.

3️⃣ Complimentary Auto Assist (Roadside Assistance)

If your car ever breaks down or you’re stuck somewhere,
this feature can literally save your day.
(Yes, this alone is worth keeping the card.)

4️⃣ 4 Golf Lessons Every Year

One per quarter.
A premium perk you usually find only on high-end, paid cards.

And the best part?

💳 It’s Lifetime Free.
No joining fee. No annual fee.
And right now, it’s being approved quite easily.

Apply Now - tinyurl.com/Tiger-CC-EPM

1 week ago | [YT] | 60

Every Paisa Matters

https://youtu.be/NwnM2Bi1loQ - HSBC Travel One - Complete Review

1 week ago | [YT] | 5

Every Paisa Matters

https://youtu.be/eRo47bqpjGI
BIG HDFC Regalia Gold Card Changes - Some Good, Some Bad? (My Thoughts)

1 week ago | [YT] | 17

Every Paisa Matters

💱 Forex Card Comparison — Real Transaction, Real Numbers (Singapore Duty Free)
Let’s compare Bank of Baroda Eterna vs Scapia on a live forex spend 👇

🟡 Bank of Baroda Eterna

📆 Transaction Date - 5th April 2026
• Visa Rate: ₹72.29
💴 Amount: SGD 222 (Eterna)
💸 INR Charged: ₹16,050
➕ Forex Charges: ₹321
➕ GST on Forex: ₹57.78
➡️ Total Forex Cost: ₹378.78

🎁 Rewards Earned: 2,408 points
💰 Reward Value: ~₹602

✅ Net Benefit: ₹223
📈 Effective Return: ~1.39%

⚠️ Cons:
• Forex markup applicable
• Some spends may not earn rewards

🔗 Apply BoB Eterna - tinyurl.com/Bob-CC-Epm



🔵 Scapia Card

📆 Transaction Date - 5th April 2026
• Visa Rate: ₹72.29
💴 Amount: SGD 155.60(Scapia)
💸 INR Charged: ₹11,248
➕ Forex Charges: ₹0
➕ GST: ₹0
➡️ Total Forex Cost: ₹0

🎁 Rewards: None

✅ Net Impact: Zero cost, zero rewards
📉 Return: 0%

⚠️ Cons:
• No rewards on forex spends

Apply Scapia - apply.scapia.cards/landing_page?referral_code=paf3…



⚖️ Final Take

👉 BoB Eterna
Better if you want net positive returns despite forex charges

👉 Scapia
Best for clean, zero markup transactions with no overhead

2 weeks ago (edited) | [YT] | 20

Every Paisa Matters

🚨If Travelling in June Holidays, Take these 2 LTF cards:
👉 Scapia LTF (Zero Forex): apply.scapia.cards/landing_page?referral_code=nwmt…

👉 Tiger LTF (Free Lounge): tinyurl.com/Tiger-CC-EPM
No Spend Criteria to be met for Free Lounge on Tiger.

3 weeks ago (edited) | [YT] | 28

Every Paisa Matters

✈️ Saved ₹337 on Forex Fees at Singapore Duty Free 🤯
👉 Apply Scapia LTF: apply.scapia.cards/landing_page?referral_code=pani…

💳 Used Scapia Credit Card at Changi Airport
💱 Forex Markup = ₹0
💰 Savings on this txn: ₹337 (3%)

📊 Details:
• Spend: SGD 155.60
• Exchange Rate: ₹72.29
• What I paid: ₹11,249
• What I avoided: 3% forex charges

🔥 And that’s not it…

• Unlimited Domestic Lounge Access
• New airport perks → Free food / shopping / spa
• ₹1,000 OFF on first flight (within 30 days)
• ₹0 Joining Fee

💡 If you travel even occasionally, this card just pays for itself.

👉 Apply here: apply.scapia.cards/landing_page?referral_code=pani…

3 weeks ago | [YT] | 22

Every Paisa Matters

10% on Amazon/Flipkart + 10 More Brands
🔗 Apply - jptr.onelink.me/TOMp/7a50a50399

LTF Jupiter Edge+ CSB Rupay Credit Card

Edge+ offers credit limit up to ₹7 lakh. Returns are actually quite good on regular spends.
* 10% cashback on shopping
* 5% cashback on travel
* 1% cashback on UPI spends

🎁 Welcome Offer (Limited Time):
* FREE 1-year Amazon Prime Lite
* Fraud Protect Included
* ₹0 joining fee | ₹0 annual fee

Use the link below and enter your exclusive referral code fxNbTt within 14 days to open your account
🔗 Apply - jptr.onelink.me/TOMp/7a50a50399
(This is an independent update and is not a paid/sponsored video. Do check the official Website for correctness of data as features of the card keep changing from time to time)

This card is LTF for a limited period.

1 month ago | [YT] | 47

Every Paisa Matters

💳 Upto 5% on UPI as KreditPe Cash (LTF Credit Card)
🔗 www.kredit.pe/invite/KPWWA605
Get ₹1000 Kredit.Pe Cashback Bonus on Card Activation.

1 month ago | [YT] | 12

Every Paisa Matters

🚨BoB Eterna (LTF for New Users, +ve Forex) - tinyurl.com/Bob-CC-Epm

💳 Scapia Credit Card Apply - apply.scapia.cards/landing_page?referral_code=pani… (You'll also get 1000 coins if you join through this plus you'll get ₹1,000 off your first flight. Just book anytime in your first month.)

1 month ago | [YT] | 44