Make More Than Rs 6 Lakh Per Annum*

 *Monthly Free Earning Program Per Person:*

HOW TO MAKE TRANSFER IN SELF ACCOUNTS AND EARN MONEY

 (kindly use search box tool to find immediately required name from bowser)

A/C Name	Earning	Per Transaction	Single Transaction Value	Per Month Earning	Total Transaction value per month	Bonus
IDFC DC	2.5%			667 >	>20000 min above threshold	No capping
ICICI DC	0.25%		200	750 >	150000	No capping
JUNIO PC	2%	200	5000	6000	300000
AU ALT CC	10%			2500	25000
Tide		40	500	400	5000	400
HDFC Platinum DC	1%		any	750	75000
Fi Debit Card	2%	50	2500	500	25000	200
Jupiter	1%		any	750	75000
IndusInd Select Platinum DC	0.75%		any	700	80000
Galgal PC	2%		10000	200		50

DC= Debit Card, PC= Prepaid Card, CC= Credit Card

Free transfer from Credit/Prepaid Card to Bank

Load Money	Transaction Limit per day	Total Transaction Per Day	Per Month Limit	Per Annum
Slice App	unlimited
Coupl Banking app			1000-
BranchX	2500	2	200000	800000
Paytm/Airtel Fastag	500	2	10000	120000
Indusind A/c	Load via Fi/Jupiter Debit Cards

You may use to order and cancel on platform through amazonpay and get credit card to bank free

e.g. pharmaeasy, urban company, medibuddy etc

 CREDIT CARD TO BANK TRANFER EARNING

Credit Card	e.g. Per month Transaction Value	Earning per month %	Earning Per Month in Rs	Per Annum
Amazonpay ICICI, HDFC diner, SBI simply save, Standard Chart 2% cb Axis Ace 5% cb Rupay Credit card	100000	3%	3000	36000
Trick use Bharat NXT, Snapay, Tuition fee payments vai pay apps (paytm,cred,phpe,gpay) Load Money via Rupay Credit Card to Fi, Jupier, Galgal, Tide via Gpay for free transfer

HDFC SMART BUY Portal: buy Gift cards with 10-25% Cashback on HDFC debit/credit cards for daily shopping

BUG TRICKS:

As we know we gets limited Cashbacks on bill payments usage via credit cards

There is simple trick to get unlimited cashback on bill payments via credit card

Use your debit or credit card for ordering Merchant Fulfilled Products via Merchants with Credit cards and then cancel this product and get amount credits in Merchant Wallets

Use Wallet balance to make bill payments like IRCTC, ELECTRICITY

you will get utmost complete cashback in your credit card

e.g. use SBI CASHBACK CC on Amazon to order product, make sure merchant name is Amazon Pvt Ltd, then enter OTP, cancel order and get refund in to amazon wallet then now pay your bills via Amazon Bal. 

Bugs Working Merchants: Amazon (Amazon Ind Pvt Ltd), Pharmaeasy, Medibuddy, Urban

Few cards credits like One Credit Card and Debit or bank like Jupiter upi rewards which is not going to be  reversed even if amount of cancelled order is getting credited to the source back instead of wallet

few people are making free 5-8k free with one cc with same tricks after converting to 5x

Repeated cancellation and refund to the source might cause permanent wallet block

CASHBACK EXPLANATION

Junio prepaid card rs 6000 (2% CB) for 3 lakh limits per month (apply code GET2/GET1 while adding money)

Tide Prepaid card rs 400 (spend 500, 10 times) + 400 call customer care and ask additional cashback for adding rs 5000/-

Jupiter Rs 750 (adding money to another saving a/c via debit card)

 accelerated points on infinite/Salary plan , suggestions to pay credit card bill pay in amount of 2500 x 10 times, transfer to own merchant qr code with fi scanpay option, load money in indudindbank a/c with jupiter debit card

Galgal prepaid card rs 250 (2% CB)

Au bank Alt credit card rs 2500 (grocery, offline, accelerated reward program 10-15% CB) Apply via Cash Karo link below  (spend rs 25000), swipe to friends grocery shops

Fi bank rs 500 (use debit or fi scan pay Rs 2500 at 10 times at any merchant) & accelerated points on infinite/Salary plan , suggestions to pay credit card bill pay in amount of 2500 x 10 times, transfer to own merchant qr code with fi scanpay option, load money in indsudindbank a/c with fi debit card

Deposit free with rupay credit card

Indusind bank select platinum debit card rs 700 cb on spend 80000 (use for credit card bill payment via bajaj finance app)

Hdfc debit card rs 750 cb on 75000 spend (suggestions: credit card bill payment via HDFC bill pay)

*TOTAL FREE EARNINGS ON CARDS: RS 10950/-* per month plus extra perks for referrals 

(transfer from one account to other own account) 

*Other:*

Petrol utility 5% Amazon icici, Std chartered Super Value Credit card, One Card, Au Bank Credit Cards

10% cashback Vai Bhim upi rupay Credit card payment 

Buy gift card any brand with gyftr website through hdfc SmartBuy get min 10-25% cashback

Always do referral online Shopping via zingoy/cashkaro/FKM to make extra 6-10% cashback 

Credit Card to bank free transfer with or without cashback 

Make instant 30 days fd for same (1%)

Pay due before 4 days of due online Vai cheqe app (1%) and hdfc debit card/ Jupiter debit card (1%)

Total earnings on credit card use =3% 

On rs 1lakh = profit Rs 3000/- assured plus reward points

Total per person can make 9950+3000=12050/-

4 family member per month earning rs 12050*4=48200/-

*ONE YEAR TOTAL EARNINGS= 48200*12= Rs 5,78,400/-*

Just managing/routing funds from own accounts

*Extra Referral Earning:* (not considered):

CLUELINKS: all referral services https://clnk.in/s4sx

Rs 300 Fi zero bal a/c per ref, rs 3000 min deposit required within 7 days joining

Rs 9999 Mobikwik rs 150 per ref pay app, 2500 credit card to upi or bank transfer req.

Rs 60000 DBS digibank, 250 per ref 5000 per month

Rs 500 jupiter zero balance a/c, 1st 1000 debit card spend required after joining

Rs 200 Niyo zero bal A/c

Rs 200 use code NEWUSER while signup and fund min Rs 200 

Rs 250 One Credit Card

Rs 500 SBI Credit card

Rs 50 Snapay

Rs 100 -1000 Junio

Rs 50 Galgal

Rs 250 Flipkart Axis CC

Rs 200 Upstox Trading a/c

Rs 250 IDFC 1st saving bank a/c

*Important App Links & Ref codes:*

*BANKS:*

Transfer funds from demat a/c to jupiter or fi account and convert it to salary a/c Trick

1) FI Zero Bal A/c: Get Rs 100/200 on joining with ref code, deposit Rs 3000 min initially and withdraw if you immediately, Infinite/salary Plan gives 2% CB & accelerated points

Use RUPAY Credit Card to deposit money Free in Fi 

https://fi.onelink.me/GvZH/p3ra8yrg *Ref Code* C5NY3PC822, 

https://fi.onelink.me/GvZH/8pjduf66  *Ref Code* 487KG9RNQQ 

https://fi.onelink.me/GvZH/mbr9j1rw *Ref Code* PDY9RKRA33

2) Jupiter Zero Bal A/c: Use RUPAY Credit Card to deposit money Free

https://jupiter.onelink.me/cizm/jfbr1x4d *Ref Code* tUnYLM (spend rs 1000 with debit card within 5 days joining)

3) DBS Bank A/c: Rs 10000 min bal A/c spend rs 5000 with debit card contact us http://bit.ly/wtsap98

4) Indusind Zero Bal A/c 

https://tinyurl.com/2ekba7d3 

https://tinyurl.com/2d5ldgmx

Ret Rs 200 on joining

5)  Niyo Zero Bal A/c: Rs 200 per ref and earn both

https://niyox.page.link/eQTFqpCNrMWofvwQ7 *Ref Code* SACHI339 make any transaction of more than ₹999.

6) IDFC First S/a account: make 10 x lifetime (no expiry) rewards with idfc debit cards on monthly above threshold value e.g. if threshold crosses rs 20k then above 20 k spend e.g. 10k you will earn 10x reward (10k=1333 rp= rs 334) no upper limit

other e.g. of 1,20,000 spend= for 10x 1 lakh is considered= 266(2x)+13334(10x)=13599 rp=Rs 3399 

https://idfcfirst.ref-r.com/c/i/12572/2529862

*PREPAID CARDS*

6) GoSats: unlimited 1.5% cb on any spend, load free 50k with any credit card 

https://gosats.page.link/snW9

referral bonus Rs 750/- must apply ref code GSJK3155

6) Junio A/c https://play.google.com/store/apps/details?id=in.junio *Ref Code* SACH4498 

while ordering card use code SACH4498 

7) Galgal  https://galgal.page.link/YLD1XTV6vPdAz1p27  Deposit Rs 500 within 24 hrs, order free prepaid card and get Rs. 50 Reward. 2% CB on every deposit via UPI/ spend via prepaid card upto Rs 200 per month

8) Tide (select business as profession while completing profile) 

Rs 200 use code NEWUSER while signup and fund min Rs 200 

https://play.google.com/store/apps/details?id=co.tide.tideplatform.in

*CREDIT CARDS*

9) AU BANK LTF Credit Card: use Cashkaro to apply and get rs 2000/-, spend monthly 25k and get 2500 cb per month, Lifetime free 

10) Sbi Credit Card: Get Rs 500 on joining, suggestion apply for simply save & sbi cashback credit card

Apply Now Enter Ref code 26dCcC6dxmy

Apply Now 2  Enter Ref code jko2xaR2wli 

11) ONE Credit Card: without cibil, without ITR, purely FD based credit card, get 5x on 3 cate spend

https://1cardapp.page.link/qkXc *Ref Code* SACHIN1656 

https://1cardapp.page.link/pLwM *Ref Code* AKANKS112 

https://1cardapp.page.link/Pq7d *Ref Code* SHOBHA129 

12) IDFC 1st Lifetime Free Credit Card: Rs 500 on joining

https://idfcfir.st/9c63lhz

13) Axis Bank Ace Credit Card 5% Cashback card: https://zngy.in/kzVg

get real cashback upto Rs. 2500 per card

14) Flipkart Credit Card: unlimited 5-10% Cb on flipkart, Rs 250 on joining

https://dl.flipkart.com/s/BsAdOruuuN

https://dl.flipkart.com/s/usnQ5kNNNN

15) Federal Lifetime Free Credit Card: 

https://creditcards.federalbank.co.in/#/entry

16) BOB Lifetime Free Credit Card: select Celesta version

https://cardonline.bobfinancial.com/

17) Kotak Bank Life Time Free Credit Card: 

https://bit.ly/3PBrCvO

18) Standard Charter Lifetime Free Credit Card: 

https://www.sc.com/in/credit-cards/platinum-rewards/

19) HDFC Bank: Lifetime Free with 1500 Amazon Voucher + welcome offer without income proof just put annual income more than  Rs 6 Lakhs while applying and do video kyc

HDFC TATA NEO joining bonus rs 500 must apply ref code: SACH3774

https://www.tatadigital.com/v2/finance/creditcard/download?referralCode=SACH3774&utm_content=SACH3774

https://applyonline.hdfcbank.com/cards/credit-cards.html?

20) Yesbank Rupay Credit Card: 

Avail virtual-only complimentary RuPay Credit Card Now!

https://campaignweb.yesbank.in/webApp/yblAPP3052

21) AMERICAN EXPRESS:   Get 1st year Free Exclusive only via referral link

Unconditional 8.5% Cashback Rate (35k on 4 lakh spend)

FREE through below link and also get 2k points on 5k spend within 90 days

https://americanexpress.com/en-in/referral/sACHIC4QIL?XLINK=MYCP

Platinum Travel 1 st absolutely free with travel and dining benefits loaded spend 5000 within 90 days for extra 2000 reward points

Your friend will earn

2,000

Referral Bonus Membership Rewards® points when they spend INR 5,000 within 90 days of Card membership* + First Year Fee Free* (Saving INR 3,500)

 (watch YouTube video for AmEx)

CREDIT CARDS FOR COLLEGE STUDENTS/NO ITR/NO CIBIL

ONE Credit Card

IDFC Wow Credit Card

(check ref links above and get joining benefits) this are FD based

*Payment Wallets/Gateways/Cashback apps*

20) SLICE app: join with referral link and get Rs 150 bonus, transfer unlimited prepadi and credit card to bank via slice wallet upi  referral code is & SACHI58252

https://links.sliceit.com/invite?rc=&SACHI58252

21) Mobikwik payment wallet check below

22) BharatNxt: Credit card to Bank at lowest 1% charges, make 1st rs 5000 transfer to get 250 cashback

https://invite.bharatnxt.in/KR3FRPW

use ICICI amazon (2%cb), SBI CB/simply save(5% cb), Axis Ace Credit Cards (5% cb)

23) Cashkaro app: https://cashkaro.com/?r=670518&fname=Sachin+Chinchale 

Earn flat 8500 by applying lifetime free credit cards Via cashkaro

24) Zingoy: buy or sell gift cards and apply credit cards and earn money 

https://www.zingoy.com/refer-earn-status?referrer_code=sacchi03

25) Cheqe: (Credit card bill Pay app) 1% Cb

https://app.cheq.one/3UIC/84y6kdxp  

https://app.cheq.one/3UIC/0uct8ui8

26) Cred: Credit card bill pay Rs 1000 ref and earn, joiner will get rs 250, make min rs 1000 bill payment 

https://app.cred.club/spQx/bfg5741q

https://app.cred.club/spQx/nz0p9f80

26) Snapay: Free Rs 5000 Credit card to bank transfer, pay min rs 3000 bill use utility bill pay and select suitable option like electricity bill etc and get 2% CB

1% unlimited snapay cashback on credit card billpay, 50% cashback can be used to reduce cc to bank transfer fee on same day 

https://snapay.page.link/v4iTnMy7cvRK5oy36 *Ref Code* 73WQMJ78

https://snapay.page.link/QCxQzzeeAzB6sQ6N9 *Ref Code* DW9363Z1

https://snapay.page.link/8UmZLFo4eBsur1oNA *Ref Code* JHAM2HRJ

27) BranchX app: Prepaid card to Bank Free Transfer Rs 2 lakh per month (open multiple a/c)

Do small transfers time to time, customer care not good support, glitches in app, 

withdraw prepaid cards, credit cards amount to bank free

https://play.google.com/store/apps/details?id=in.branchx.app

28) Paytm: Credit Card to bank via bill pay with cashback offers

https://p.paytm.me/xCTH/y1fo9s22 rs 100 on 1st upi payment

https://p.paytm.me/xCTH/hr5j78yp

https://p.paytm.me/xCTH/skyslkh1

29) Freekaamaal: 10% Cb on friends earning, 100% great cashback site

https://freekaamaal.com/referral/179124

30) WINDS App: Amazonpay to Bank transfer lowest charges

https://winds.to/3QmK *Ref Code*  iwwzmf

31) FreeCharge: 

https://fch.page.link/gFzQmguVSRiDqbwD9 Referral Code - 55Ahuq

https://fch.page.link/ULyzzVcutdC33XFJ8 Referral Code - 32ytTU

https://fch.page.link/wNCu7TGK2gLahVBY6 Referral Code - 66divR

32) HDFC Bill Pay: use your HDFC Platinum Debit Card (Rs 750) or Millenia Debit Card  (Rs 400) for bill payment of other banks credit cards at least 3 days before due date and get 1% cashback per month

33) BajajFinserve App: Use HDFC Platinum (750)/ Milleia Debit Card (400), Fi Debit Card (500), IndusInd Select Platinum Debit Card (700) for bill payment and earn 1% cashback

34) Cheq: use any debit card to pay credit card bill payment and earn extra 1% in addition to debit card

https://app.cheq.one/3UIC/84y6kdxp

35) Indusind Money Deposit Via Debit Card: Use Fi or Jupiter Debit card

 https://serviceportal.indusind.com/prod/fe/services/pull-fund-fe/

36) Cashbackpe: https://www.cashbackpe.com/en/signup?referral=DRSACHXA

Rs 25 joining plus 10% lifetime income

37) Go Paisa: https://www.gopaisa.com/ref/d6bcacef

10% of friends earning

*MOBIKWIK MEGA CASHBACK OFFER*

After joining *complete your KYC before* doing all things

a) Rs 250 Cb on investing 12% Flexible Deposit min deposit amount rs 5000 (you can withdraw in 5-10 days no problem)

https://sak38.app.goo.gl/6AYzbnYMCEmrEK4U7

Ref code ZFDJNQ 

Ref code FBKEYT 

Enter during fd and sign up 

b) Rs 150 Cb Credit Card to UPI/Bank transfer min amount rs 2500

https://sak38.app.goo.gl/qGsD4ACmcXLm9vJJA 

c) Rs 100 + 50 every month cashback on 1st Credit Card bill payment

https://sak38.app.goo.gl/Qp7NQ3EfgoEY63p27 

d) Ref and earn:

9999 for Credit card to bank transfer using ref link

unlimited 250 per ref for flexible deposit

28) *FREE POS/SWAP Machine:* 

ZERO Rent, Zero Installation, Lifetime Free

suggestion to select grocery store for more cashback and less card processing charges

copy and send following whatsapp message to +91 9820522699

{https://www.instagram.com/p/Cs1UvO0APOt/

I am excited to receive my FREE POS device�}

Remove brackets while sending message i.e. = {}

DISCOUNT ON SPEND WITHOUT CREDIT or DEBIT CARD

https://www.zingoy.com/refer-earn-status?referrer_code=sacchi03

buy or sell any gift card as per your requirements

DEMAT/INVESTMENT/TRADING A/C

1) Upstox: https://link.upstox.com/s6WaY6b8rcXtAkEw9 Rs 200 per ref. Free Delivery trading

https://link.upstox.com/FQ1FSZY6gVPexjmG6

2) Kotak Security: Intraday all segments No Brokerage

https://KotakSecurities.ref-r.com/c/i/32531/62365167?r=wa

transfer funds from demat a/c to jupiter or fi account and convert it to salary a/c Trick

3) Icici Direct Neo: 

https://secure.icicidirect.com/accountopening?rmcode=SACN7647

4) Crypto Exchange: Wazirx: https://wazirx.com/invite/wx45pefe

BYEBIT:

https://www.bybit.com/en/invite?ref=BYKAXO

Join Bybit with me and earn a $5000 bonus! Promo code BYKAXO

FIXED DEPOSIT: 

Create FD for extra earning with following a/c without premature withdrawal penalty 

1) Bharatpy Merchant:  12% ROI

2) Mobikwik Extra: use ref code mentioned above to get extra benefits 13 % ROI

3) 12% Club

4) 10% with Fi a/c 

5) Corporate Funding Earning: 10-30%

I) JIRAAF: https://www.jiraaf.com/signup?usoc=FH1463

invest 95000 and get ref bonus rs 1250/-

II) TradeCred: Get more than FD, bill discounting investments 

https://buy.tradecred.com/onboarding/apply-now/TC221812 

III) KredX: https://app.kredx.com/financier/register?ref=MEW137

*Any Suggestions, help contact us:*

http://bit.ly/wtsap98

Disclaimer: one should use all tricks and tips after checking rules and regulations and requirements set or changed by Indian Govt Departments e.g. Income Tax, RBI, rules etc from time to time and applicability from person to person.

USER CAN COMMENT BELOW YOUR EXPERIENCE, REFERRAL LINKS, SUGGESTIONS

which can be useful for newcomers