🧵 AMEX Megathread
✍️ Discussion Points
☯️ Pros n Cons
💳 Card Variants
✅ Eligibility Criteria
🧮 Reward Calculations
💰 How to Optimize Spends?
🫰 Reward Redemption Options
✨ Apsire Luxurious Hotel Stays?
✨ Business Class Travels?
Then Read on till the very end... ⤵️
You're going on a trip of a lifetime!
ROOF COLLAPSE! You Die.
You're coming back from a party!
PORSCHE HITS! You Die.
You're having nice paneer butter masala!
ADULTERATED PANEER, CANCEROUS MASALA! You Die!
You're filling up your car for a long drive!
F*KIN BILLBOARD COLLAPSES!
Roof collapse in Delhi Terminal 1 airport departure area. 1 cab driver reported dead in pillar collapsr, at least 5 injuries. Tragedy & national shame. Flights suspended. Full coverage on
@IndiaToday
.
🤩 What timing by Amex!!
✨ Now that Magnus usage will drop from next month onwards, I would be shifting my spends to Amex!
🧳 Amex Platinum Travel
✅ 48k points on 4L spends/yr
✅ 10k Taj Gift Voucher
✅ 1st yr Free
🥳 Apply & get Rs. 500 Amazon Voucher from
@cards_wizard
!
✨ Business Class Travel; at Vande Bharat price!
🧳 First ever Business Class experience!
✈️ Etihad Airways
🗺️ Mumbai - Abu Dhabi - Zurich
😍 Best Part: Paid only ₹6,300 for 2!
🤯 Actual Price: >₹3,40,000
The Marwari in me = ELATED! 😋
How can you do it?
Read on 👇
🇨🇭 The Ultimate Swiss Trip Guide
✨ Part 1: Itinerary (9-Days)
Each of us dreams of visiting Switzerland at least once in our life - but where in Swiss? 🤔
Here is the itinerary from our recent Swiss Odyssey!
🩷 Like
🔂 Share
🔖 Bookmark
💡 Look out for tips for each place!
🤔 How to use Amex Points: Part 1
Let's say you get a Platinum Travel card - earn 50k points easily in the year.
🫰 Or mint 1.1L-1.3L pts using Amex trifecta
🤷 Now What??
Let's Explore Part 1 of this series where I'll share Marriott Hotels as low as 5k pts/night! 👇
📽️ IT'S MOVIE SEASON!!
🍿 August Blockbuster Movies
🤩 Rajni Sir's
#Jailer
♥️ Rocky aur Rani
💪 Gadar2
🔱 OMG2
👧 Dreamgirl2
🎖️Checkout IDFC range of lifetime cards with Movie benefits!
Apply Now & get Rs. 500^ voucher from IDFC! 👇
🔗
*Check tnc
🌍 Completed a memorable 14-Days Trip accross Europe funded by Credit Card Points!
✅ To & Fro Flights
✅ Intra-Europe Flights
✅ Luxurious Hotel Stays
✨ ~4Lakh savings aside, some experiences wouldn't have been possible if not for points!
Checkout redemptions below 👇
📜 The Only Amex Cheat Sheet you'll ever require
If you're TL;DR person -> This Sheet is for you!
🤔 How do I earn 1,00,000+ Pts a year with Amex?
An easy & actionable guide 👇
Want to read the full post?
📌 Just check my pinned tweet!
🤔 How Many Cards are too many?!
💬
@drgrudge
Sir's poll stirred this conversation on
@X
✨ Whereas I hold >20 cards (most of them LTF) but 2-5 cards would suffice for majority of people out there!
✅ This post will help you select specific cards!
Let's dive right in! 👇
🤔 How to use Amex Points: Part 2
🏨 In Part 1: Marriott, we checked how to book Marriott Hotels for as low as 5k points per Night!
Let's Explore Part 2 of this series - where you can fly to London for as low as 20k Amex Points! 🧵
💡 Read till the end for a bonus tip!
🃏 Received some "Cards" today! 🤩
🗃️ Magnetic Box
✨ Premium Packaging
🎴 Ltd. Edition Plastic Cards
👇 Apply Before 16th'Oct 👇
↪️
🎁 Get 750 Voucher on Approval!
PS: Don't just apply for the playing cards! 😅
👍 Apply only based on your
🌏 While Amex added cities, I added the entire Atlas! ✨
🔮 Serendipitously got it LTF!
✅ Even if paid, would have applied!
🤔 Does it makes sense for you?
TLDR;
✅ Spends >3L/yr then absolutely!!!
❌ No FOMO if lower spends!
Highlights & Reward Rate Calc 👇
🧙♂️ Credit Cards Insights ✨
😥 Foreign Banks sweat in India
💸 Axis premiumization strategy
⏫ Rise of mid-sized challengers!
➕ Many more insights..
🤯 I bet you cannot guess issuer with highest spends per card!
😉 It's not HDFC/Axis!
#ccgeeks
Let's dive right in 👇
Whoever said "Journey is much more beautiful than the destination" ✨
Was probably referring to Zurich - Innsbruck train ride!
Every window reveals a postcard-perfect view! 💜
🪷 PNB RUPAY SELECT CC
🤯 Get ~5k-10k rupees worth of actual usable benefits each year on this card absolutely free!
💆 Spa Benefits (~3k)
🧑⚕️ Health Check-up (~1k)
🏋️ Gym Benefit (~1k)
🏌️ Golf Benefits
✈️ International Lounge Access
🤔How to Make it LTF!
Checkout below 👇
🚨 If you hold an Axis card, Block your International Transactions right now!!
Login to mobile app > credit cards > select a card > control centre > international usage > click toggle to disable international txns.
This is absolutely serious!!
If you have faced this, urge you
🇨🇭 The Ultimate Swiss Trip Guide
✨ Part 2: Travel Costs
Swiss Travel is expensive, but doesn't have to be!
We travelled entire Switzerland via Trains, Buses, Trams, Gondolas, Funiculars, Cruise under ₹59,000 per person!
How did we save >₹32,000 on Swiss Travels? 🧵
Cost
🇨🇭 The Ultimate Swiss Trip Guide
✨ Part 1: Itinerary (9-Days)
Each of us dreams of visiting Switzerland at least once in our life - but where in Swiss? 🤔
Here is the itinerary from our recent Swiss Odyssey!
🩷 Like
🔂 Share
🔖 Bookmark
💡 Look out for tips for each place!
💜 Thanks to all 2k+ kind souls for the love shown in the past few months!
🤩 Giveaway: Amazon Vouchers
🫰 Value: Rs. 500 Each
🏆 No. Of Winners: 4
👇 Just follow below steps
✅ Follow
@cards_wizard
💜 Like & Retweet this post
🎎 Tag 2 people whom you would like to go on
🏆 Credit Card Awards 2023
🤝 Fun collaboration✨
@cards_wizard
x
@AmazingCreditC
🥂 We've split the categories, so if you're catching this first, hop over to
@AmazingCreditC
for the other set of winners!
Let the show begin 🥳
👀 Guess the Card of the Year?!?
✨ Luxurious Stay Redemption
🏨 WelcomHotel by ITC
📍 Amritsar, Punjab!
🛫 10 mins drive from Airport!
💜 Stayed for my wife's B'day, we were absolutely humbled by the hospitality and warmth offered!
Read on for the superb surprise and top class hospitality! 👇
✨ How to book this luxurious
@etihad
experience?
✍️ Step-by-Step booking experience/guide
TL;DR
1. Amex Points ➡️ Marriott ➡️ American Air
2. Book Economy ➡️ Keep Checking Business Availability ➡️ Put on Hold ➡️ Book!
For detailed guide, read on🧵
✨ Business Class Travel; at Vande Bharat price!
🧳 First ever Business Class experience!
✈️ Etihad Airways
🗺️ Mumbai - Abu Dhabi - Zurich
😍 Best Part: Paid only ₹6,300 for 2!
🤯 Actual Price: >₹3,40,000
The Marwari in me = ELATED! 😋
How can you do it?
Read on 👇
@IndianTechGuide
While a great initiative, government has absolutely ignored the sleeper class
No capacity expansion there has led to a flooding of videos where everyday you see people finding difficulties to get into their reserved seats!
That too in 2A/3AC coaches! 🤦♂️
I'm a Salaried investor in India! 🥲
Between TDS, TCS, LTCG, STCG, VAT, GST, falana dhimka.. My employer might as well charge me for moonlighting as I work 50% of the time for the government! 😊
#Budget
🌟 How to maximize Accor Stay+ value?
✅ Purchased Accor Explorer for 7.5k pts?
✅ Must have received 1 Night free stay voucher!
🤔 Unsure about how to maximize value?
Read on for curated list of Hotels across Asia-Pacific to maximize Stay Plus voucher value! 🧵
Criteria:
🏔️ The Longest Summer Coaster!
This hidden gem - not often found on typical itineraries - is an absolute must-try. 🛷
✨ The 1.35 km, 4min long coaster ride offers stunning alpine views and heart-pounding thrills that will be etched in your memories!
And the best part - they
🖤 DCB LTF vs DCB METAL!
✅ People have received upgrade notifications from LTF to paid Metal
🤔 Should you upgrade though?
TLDR;
✅ Absolutely Yes; if DCB daily 2.5k accelerated points limit was low for your smartbuy spends.
✅ Yes! If FYF & you can commit spending 4L for
🌏 Axis Atlas in 2024
🤔 Is it a useless card now?
TL;DR
✅ Still a no-nonsense attainable card for travel, luxurious stays & Airmiles
✅ Best Card for Airport Lounge Access, specially with Family.
❌ Useless for <7.5L spends
Want to know all the benefits?
Read on 🧵
🚨 Amex adds new Cities!
In case you were denied earlier, can re-apply now!
👉
🌟 Benefits
✅ 10k Taj Voucher
✅ 50k Reward Points (worth >25k)
✅ 1st Year Free!!
🤯 Hang on there's more!
🤩 Rs. 750 Gift Voucher from
@cards_wizard
on approval!
📲 DM
✨ A beautiful town in Rajasthan!
🌸 Quite sure a creative marketing team would do wonders for this historical and off-beat site!
PS: It's my native place! 💜
(1/3) Cont..
🌎 Axis Atlas - Deval Reward Rate
Dust Settles, devaluation overhang done!
Everyone rushing to close their Atlas, wait! 🤚
Read this in-depth post, and decide yourself!
TLDR;
✅ It is still the best card in India for direct travel spends! But transfer cap hurts!
Read on! 👇
🍔 Swiggy HDFC Card
✅ 3 mo Swiggy one membership
✅ 10% CB on Swiggy
✅ 5% CB on partner brands like Amazon, Flipkart, Myntra, Nykaa, Ola, Uber, PharmEasy, NetMeds, BookmyShow, Nike, H&M, Adidas, and Zara
✅ 1% CB on other spends.
Note: CB will be in form of SWIGGY MONEY!
@T_Investor_
👌 Revealed person's name
👌 More than half are debit cards
👌 Not even one good card in the lot
👌 Gyan bhi faltu diya!
Advice to ROBIN: Please stay away from such advice 🤦♂️
"A bird in hand is worth 2 in the bush"
If you're looking for 👇
✅ Spends upto ~50k/month
✅ Don't want to get into hassle of airmiles/hotels redemption
✅ Beginner level cards
✅ Savings on each card swipe
🌟 Then these can be superb options!
Lets dive right in ⤵️
@AbijitG
This summarises it perfectly!
There is the product and then there is a picture of the product!
The picture of that product >>>>>>> than the sub par product itself!
Master marketeer at work! 🔥
🤑 Cashback on all UPI spends ✨
HDFC TATA NEU ♾️ been my go-to card for all UPI transactions! (Rupay Select LTF variant)
Sabji wale bhaiyyaji ko bhi CC se pay!
✅ Get 1.5% CB
✅ Cleans up bank statements!
🤯 On top of that received 31% Discount on Grocery!!
Details 👇
🧚♂️ A village straight out of a fairytale!
📍 Giethoorn
✨ Probably my favourite place in all of Western Europe!
🚣♂️ Rent a private boat and sail around the village for hours!
Such an unique experience! 💜
So the natural next question is - How much are you spending on Annual Fees/Subscriptions?
Here's my current Active CC portfolio and subscription fee breakdown 👇
Share your yearly fee below!
Have recently been on a Debit Cards application spree, will share details soon!
📣 IDFC FIRST CARDS
🗓️ Jan'21: IDFC starts Cards Biz!
🗓️ Jul'23: 17,00,000+ Cards issued in less than 3 years! 🤯
Their USP ⤵️
✅ Beginner Friendly
✅ Easy C2C Approvals
✅ Even a Student can get 1
✅ Range of Lifetime Free Cards
🧵 Let's Checkout their entire range
📢 RIP AXIS MY ZONE! :(
⛔ Minimum Order Value to avail discount increased from 200 to 500
⛔ Effective Reward Rate drops significantly from 40% to <20%
⛔ Can be availed only 2 times per month (4 times earlier)
⛔ Total discount per month down to 240 rupees vs 480 earlier
⛔
🫰 How to Save on intra-europe travel?
🇪🇺 Planning to visit Europe?
✅ Probably you'll be visiting multiple countries!
🧳 If you're heavy packers like us
(1 check-in + 1 cabin + 1 personal bag)
Then Ryan air, easyjet and other low cost fares won't make the cut for you!
🤔
🇪🇺 Schenegen Visa Story!
🗓️ Last Year, First Application via Greece - Before Marriage 👫
😠 Worst experience with VFS
❌ Rejected
🗓️ Last Month, Second Application via France - Provided all authentic bookings. (Travel on 18th) 👫
✅ Availed
@outofofficedaku
visa consulatation
🏨 HDFC Marriott Bonvoy Card
❌ Online Application: Rejected
✅ Approved after to & fro offline!
🖤 Looks Sleek & minimalistic!
👎 Probably getting this won't make sense for majority of you out there!
🤔 So why Did I take it?
Let's explore features in detail 👇
🇪🇺 Europe on Points!
👿 The Room was HELL!!
😇 The stay was Heavenly!!
📍 25Hours Hotel, Florence
💜 Absolutely in Love with this intricrately designed Hotel!
😍 And the best part.. It was all on redemption!
Checkout the details & Don't miss the room tour 👇
🇪🇺 Europe on Points!
🤩 Saved absolute best for the last!
🌇 Suite with Panaromic View of Paris
📍 TOO Hotel, Paris
🗼 Stunning Eiffel
🌅 Prettiest Sunset
🏞️ Magnificent Siene
✨ All from the room itself!!
Checkout some more gorgeous views & room tour 👇
😱 Credit Cards are really badd for your financial & physical health!!!
😵💫 It may leave you in Middle of a Jungle with wild Animals breathing down your neck!!!
Sarcasm aside! Have read it more than 5 times now just to get the vicarious thrill!! 🙏
Absolutely brilliant
✨ CC points Value vs Experience!
🫰 When I got started with the airmiles/luxury hotels game - was always fixated on calculating returns, getting the highest "overhyped" value/points!
But as I progressed, started realising how wrong was I! 🙅♂️
✨ CC rewards are "Luxury
📛 "Credit Cards Are Bad!"
Exclaimed my Dad when I got my first Credit Card!
😡 "Itne charges lag jayege ke bharte bharte, bharta ban jayega" he added!
🤔 But why does his generation considers CC bad?
1️⃣ Lack of information during that time
2️⃣ Bills were physical & had to
⁉️ Most asked Qs - "How much did you spend to earn these rewards"
I anticipated this qs so writing a detailed response!
🗣️ What will I discuss
1️⃣ How did I accumulate these points?
2️⃣ 2 aspects of redemptions (earn & burn)
3️⃣ Now What & How can we earn and burn?
4️⃣ Handles
🌍 Completed a memorable 14-Days Trip accross Europe funded by Credit Card Points!
✅ To & Fro Flights
✅ Intra-Europe Flights
✅ Luxurious Hotel Stays
✨ ~4Lakh savings aside, some experiences wouldn't have been possible if not for points!
Checkout redemptions below 👇
🤝
@AxisBank
x
@Accor
has been rewarding!
🤑 ₹2,50,000++ savings in 2 years!
How much have you saved using Accor ALL points? 🤔
Check in you
@All
mobile app!
🤯 It actually blows my mind!
✨ That by just referring two people
✈️ You can book a flight to London!
🏨 Or a pleasant 2-3 nights stay in a luxurious property!
✅ Get an Amex Card!
👉
🫰 Refer 2 friends before 16th July!
👉 Earn Rs. 1,000 voucher on
➕ Bro is Disciplined
➕ Cards are for disciplined
🟰 Bro closed his card? 😂😂
➕ Bro posts daily about insurance
➕ Redirects people to buy insurance from an entity [both are linked]
🟰 Earn commission on policies sold.
And acts holier than thou! 🫡
.. Just wow!
🇨🇭 The Ultimate Swiss Trip Guide
✨ Part 3: Hotels
We were a bit late (Mid-April) in planning for this peak-season (Mid-June) trip to Europe!
Marriott/Accor hotel redemptions were expensive.
Opted for Revenue bookings for majority of Swiss Hotels, all lower than 20k per
🇨🇭 The Ultimate Swiss Trip Guide
✨ Part 1: Itinerary (9-Days)
Each of us dreams of visiting Switzerland at least once in our life - but where in Swiss? 🤔
Here is the itinerary from our recent Swiss Odyssey!
🩷 Like
🔂 Share
🔖 Bookmark
💡 Look out for tips for each place!
🔖 Best Time to get Amex: Yesterday!
✅ 2nd Best time: Today!
👉
✅ Apply Today for 1k gift voucher!
✅ Limited Edition Explorer's Kit!
🤔 Benefits?
🧧 Top-Notch rewards
🏩 Luxurious Hotel Stays
📲 DM for any query!
Read on for detailed benefits 🧵
🤩 Experienced the Airport Meet & Greet Services at BOM T2 & DEL T3
🫡 A Tribute to Magnus VIP Benefit
💡 Access the newly inaugrated Encalm Privé Business Class lounge at Delhi International T3 via
@EncalmIndia
Elite meet & greet package!
Checkout complete details 👇
🚨 ITC is back with it's yearly promo!
✨ ITC Reward Nights
🗓️ Stay Dates: until 30th Sept
🗓️ Offer Period: 11th May to 31st Jul
Booked ITC Grand Bharat at 16k points last year under this promo! 🤩
Let's explore some aspirational stays at a discount 👇
🤦♂️ Wtf is wrong with this city!
AmsterDAMN! 😓
Horrible experience!
Whole city smells of either piss, ciggaretes, weed, booze and piss again! 🤢🤢
Trains run late frequently, cyclists are rude, half of the public escalators & lifts non functional, homeless people a menace!
👑 Is this the new UPI payments King?
🐂 Indusind Platinum Rupay CC
✅ Got LTF offer on Mobile App
✅ Instantly received digital card
✅ 3rd Active Indus CC shared limit with Legend
🤔 But is this the best UPI card out there?
Let's find out! ⤵️
💰 Joining/Annual Fee - Free!!
✨ A city which you'll vibe with!
📍 Zurich
👨👩👧👦 Population: ~420k
🟢 Avg. AQI: 30-37
Here are list of some unique things which we did/experienced here which would be quite difficult to imagine living in bustling Indian cities! 🧵
TL;DR - do not skip this city!
🇳🇱 Picturesque towns of Holland!
A 🧵
Starting off with..
📍 Zaandam - Famous for it's testris shaped buildings!
🕹️ This place looks straight out of a video game!
Cont...
The more I look at it, the more I'm convinced
#SanjuSamson
was not out! Absolutely rubbish umpiring
Took 3 mins to check a wide (which also was clearly a wide) and gave
#SanjuSamson
out like he would miss his train otherwise!
Pathetic! 🤦♂️
😍 Buy IPL Tickets using airmiles!?!
✨ Many have redeemed CC pts for
🚗 Car
📱 iPhone
🎫 Concert Tickets
🤔 But have you ever used airmiles to get yourself a VIP ticket for an IPL match?!?
😉 Team Practise Session included!
Let's see how?! 👇
#IPL2024
#ipltickets
🍱 Eazy-Est Card Recommendation!
🤩 Saved 2k+ already on 2 dinners!!
🫰 Spend 20k in 90days - 1st Yr Free!
🎟️ FREE movie tickets each month!
🤔 Is it for you?
TLDR;
✅ Get it if your city has Eazydiner partner restaurants!
❌ No FOMO otherwise!
Let's explore all benefits 👇
Credit Cards can be too rewarding if used smartly! 🤩
What's the biggest purchase/swipe you have made till date using credit cards? 🤔
✨ How much rewards/cashback you got?
💭 Share your mega-swipes below 👇
🔥 HDFC premium card holders rejoicee!!
✅ Amazing transfer bonus for HDFC premium cards!
✨ Accor Explorer at 7500 All pts is just insane vaue! 🫰
Meanwhile those without any HDFC premium card 👇😛
🎉 Exciting News! 🎉
HDFC Miles transfer Bonus offer is here.🔥
Transfer reward points into any of the below loyalty partner programs and get up to 80% bonus miles/points during the offer period.
Complete details:
🍔 Received this beauty today!
💰 First Year Free!
🗓️ Applied: 18th Aug
💳 Hold Indusind Legend
✍️ Existing Indusind card holders Need to share consent mail to the bank in multi-card annexure format.
✅ Format was shared by Eazydiner team!
#ccgeek
🎉 We are a Family of 8,000++
A huge thank you to all the incredible wizards! 🧙♂️
Your support, engagement, and enthusiasm have made this journey unforgettable 💜
Here's to many more milestones and even bigger things ahead!✨
PS:
#Giveaway
details to be out tomorrow!
📢 Axis-ITC 10% transfer bonus offer has been extended to 15th Aug!!
Just in time for the Magnus July milestone credit! 😉
Thanks
@aanishrajan
for update!
Edit: Incorporating suggestion by
@JabWeFret
✅ Only Transfers of >=20k will be eligible for a 10% bonus
✅ Can be
🙏 Overwhelmed by the love shown!
🔖 650+ bookmarks are a testament that many of you guys found it useful!
Answering 2 common queries I saw in DMs since yesterday 👇
1⃣ How to transfer from Amex to Marriott?
👉 Login to Amex website & click "Rewards & Benefits" (Image 1)
👉
🤔 How to use Amex Points: Part 1
Let's say you get a Platinum Travel card - earn 50k points easily in the year.
🫰 Or mint 1.1L-1.3L pts using Amex trifecta
🤷 Now What??
Let's Explore Part 1 of this series where I'll share Marriott Hotels as low as 5k pts/night! 👇
What is the highest fee you have ever paid for a credit card?
Which is the highest fee card currently in your Credit Card portfolio?
Mine - Amex Platinum Reserve and Magnus (₹11,800)
Share your picks below 👇
🎟️ 24 Movie Tickets.. FREE!!
🤯 No Buy 1 Get 1 nonsense!
🆓 Absolutely free tickets upto 4.8k!
💁♂️ Watching alone? No worries!!
👫 Couple? Absolutely no worries!
👌 This could have easily passed on as a Movie card if not for the co-branding!!
✨ Additionally,
✅ First Year
🤔 How to increase reward rates on all of your purchases?
✅ Buy everything using gift cards!
How to save on buying vouchers??
Well for that read this amazing post!
TL;DR - Refer this image compiled by
@creditkeeda
🔖 Bookmark!
🎉 Elevate Your Credit Card Game! 🌟 Live off gift cards with Smartbuy, GiftEdge, Amex Reward multiplier & more!
🛍️ Buying gift cards with credit cards can supercharge your rewards. Sharing my curated list of voucher discounts & multipliers for top brands, So read till the end!
Referral benefits of NeuCard--> added into AIS of Income Tax 👿
Being a Salaried, now I will have to File a Business ITR 🥲
✔️Many
#ccgeeks
(who refered NeuCard successfully) will be shocked to see this type of entry into their AIS 💔
📌Check your AIS app now ⤵️
📢 We have the details of
@IDFCFIRSTBank
co-branded credit card with
@airvistara
✈️ TLDR;
✅ Higher Earning Rate
❌ Combo of SBI VISTARA PRIME + AXIS VISTARA PLATINUM provides better value for a combined fee of 5.9k INR!
Let's dive into benefits of this card 👇
ℹ️ RBI Data is out for Aug'23
👎 Only 5.4k Cards Sourced by Amex!
🫂 Even referrals couldn't push their numbers!!
🇮🇳 They have added new cities now!
👀 Hopefully Sep'23 data would reflect decent growth!
PS: Indusind still has >28k average spends per card! 😂
#ccgeek
✨ Aspire Luxurious Hotel Stays?
✨ Seeking 8%+ rewards on spends?
💙 Amex is the answer! Apply ⬇️
👉
🌟 Benefits
✅ 1st Yr Free
✅ Taj Vouchers
✅ Joining Bonus
✅ Reward Points (worth >25k)
🤯 Hang on there's more!
🤩 Rs. 1000 Gift Voucher from