Apply for the Best Credit Cards of 2026 here: https://linktr.ee/onepercentcards Get more value out of your credit cards with the right guidance, click on the link - https://rewardpoints.club/credit-card-plan Aly Hajiani, widely known as “That Credit Card Guy,” is a credit card strategist and founder of a concierge service helping high-net-worth individuals optimize rewards and travel. With over a decade of experience, a background in hotel management, and having built his expertise from a ₹13,000/month job to advising top clients, he specializes in maximizing credit card points, travel hacks, and reward systems. In this episode, Aly breaks down the massive shifts in the 2026 credit card landscape, including devaluations of popular cards, emerging winners, and how spending patterns impact reward returns. He shares practical frameworks for beginners to advanced users, explains cashback vs points strategies, and reveals how to structure spending to unlock free flights, hotels, and luxury experiences. If you want to turn everyday spending into high-value travel rewards, this episode offers a clear roadmap. 00:00 - Introduction 01:33 - 2026 Credit Cards Update (what has changed) 05:32 - Are Aly’s free vacations genuine(his actual receipts revealed) 07:22 - Why is Accor such a loved Hotel Chain? 08:16 - How Aly pulls max. benefits with his credit card 12:27 - What inspired Aly to take a non traditional career route? 16:05 - How using cards change your mindset? 18:22 - Sharan asks about Aly’s lifestyle 20:15 - Traveling like Aly with 6 Lakh/annum Salary? 23:16 - Best Credit cards of 2026 25:37 - Best UPI Cashback Card? 26:24 - Best Lifetime Free Card 28:09 - Credit Card for people earning 30K/mo 30:20 - Mid Range card(50K/mo expenditure) 33:58 - Insane tricks for people spending 1Lakh/mo 38:12 - The World Of Premium Cards(HNI Version) 50:13 - Card Hacks for Business Owners 55:17 - Unreal benefits of Aly’s Favorite Card 01:01:15 - Rapid Fire Round 01:05:20 - Conclusion Aly’s LinkedIn: https://www.linkedin.com/in/alyhajiani/ — Subscribe: The 1% Club: YouTube: https://www.youtube.com/@FWSClips0 Instagram: https://www.instagram.com/onepercentclubshow/ LinkedIn: https://www.linkedin.com/school/the-1-clubfws Sharan Hegde: Instagram: https://www.instagram.com/financewithsharan/ LinkedIn: https://www.linkedin.com/in/sharanhegde95/ Twitter/X: https://x.com/financewsharan – Sharan Hegde is a personal finance creator & founder of the 1% Club, simplifying money, markets, and mindset for India’s next generation of wealth builders.