https://www.desidime.com/comments/permalink/10020159
share the Google sheet(DM)
Credit Card comparision
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Here is my summary of offers on various credit cards. Is this understanding correct? Any feedback would be appreciated. I have the source on Google sheet, if anyone wants a copy, please DM me.
| Offers | Axis Flipkart | Axis IndianOil | Axis Neo | HDFC Regalia | ICICI Amazon Pay | ICICI Coral Rupay | IDFC First Wealth | IndusInd Arora Edge | ONE | Kotak Zen | Kotak League | SBI Cashback | SBI SimplySAVE | SBI Reliance | RBL Shoprite | SBM Niyo | Tata Neu HDFC | Yes Bank Reserv | Yes RuPay | Equitas Debit Card |
| Amazon | 5% | 5% | ||||||||||||||||||
| Flipkart | 5% | 5% | ||||||||||||||||||
| Myntra | 1.5% | 10% | 5% | |||||||||||||||||
| Indian Oil | 4% | |||||||||||||||||||
| Swiggy | ||||||||||||||||||||
| Swiggy Dineout | 5% | |||||||||||||||||||
| Zomato | 40% | |||||||||||||||||||
| Dining | 2.5% | 1.25% | ||||||||||||||||||
| Uber | ||||||||||||||||||||
| Cleartrip | 4% | |||||||||||||||||||
| Jio Mart,Reliance Retail | 1.25% | |||||||||||||||||||
| Westside, Croma, Tanishq | 1.33% | 10% | ||||||||||||||||||
| Titan, Tata 1 MG, Cultfit | 10% | |||||||||||||||||||
| Big Basket, Tata Cliq | 10% | |||||||||||||||||||
| Vivanta, Taj | 10% | |||||||||||||||||||
| Tata Play, Tata brands | 5% | |||||||||||||||||||
| Online | 1.5% | 1% | 0.5% | 1.5% 2.5%³ | 5%⁷ | 1.5% | 3% | |||||||||||||
| Retail/Offline | 1.5% | 0.5% | 1% | 0.83% | 1.5% | 1.5% | ||||||||||||||
| Airlines/Travel/dept store | 1.33% | |||||||||||||||||||
| Electric/Durable goods | 1.33% | |||||||||||||||||||
| Book My Show | 10% | 10% | 25% | 2/Y | 2.5% | 1.25% | 10% | 25% | ||||||||||||
| PayTM Movies | 1:1 | |||||||||||||||||||
| PVR | 1.25% | |||||||||||||||||||
| Grocery | 0.5% | 2.5% | 5%⁵ | |||||||||||||||||
| Blinkit | 10% | |||||||||||||||||||
| Utility Bills | 0% | 5% ⁶ | 2% | 0.25% | 5% | 5% | ||||||||||||||
| UPI | 1% | 0.25% | 1.5% | |||||||||||||||||
| Forex | 3.5% | 3.5% | 1%¹ | 3.5% | 1.5% | 1% | 3.5% | 0% | 2% | 2% | 0% | |||||||||
| Birthday | 2.5% | |||||||||||||||||||
| Others | 1.5% | 1% | 1% | 0.67% | 1% | 1% | 1.5% | |||||||||||||
| Domestic Lounge | 4 | 4 | 8 | INT ² | 4 | 3 | INT ² | |||||||||||||
| International Lounge | 6 | 4/Q | 3 ⁴ | 4 | 6 | |||||||||||||||
| Fuel surcharge Waiver | Y | Y | Y | Y | Y | Y | Y | |||||||||||||
| Fuel Bill Waiver | 400-4K | 400-5K | Yes | |||||||||||||||||
| Railway Ticket Waiver | ₹50/Q | |||||||||||||||||||
| Annual Charges | ₹500 | ₹500 | ₹0 | 2.5K | ₹0 | ₹500 | ₹0 | ₹0 | ₹0 | ₹0 | ₹999 | ₹500 | ₹500 | ₹500 | ₹0 | 1.5K | ₹300 | |||
| Waiver | 3.5L | 3L | 1.5L | 2L | 1L | 1.5L | 3L | |||||||||||||
| Milestone Benefits | 1L/2L |
1. Forex Markup Regalia + Global Value Program is 1%, else it is 1.99%
2. NIyo offers a domestic lounge in the International Terminal Only
3. IDFC 2.5% rewards on 30K+ spend per month
4. Kotak Zen gives Priority Pass if you have done 4 transactions in the past 12 Months
5. RBL Shoprite 5% cashback per month capped at ₹250/ 5K shopping
6. Axis Neo, 5% Utility bills via Amazon Pay, capped at ₹150/Month ~ 3K Bill payment
7. SBI Cashback Capped at ₹5000/Month
8. Tata Neu/HDFC cashback is in Neu coins, which can be used on their app
9. Tata Neu/HDFC UPI limit to ₹ 500 which translates into spend of ₹33,000
10. Yes Bank Rserv offers 5% instant discount on Bill payments on Amazon Pay for upto 15K spend
11. Indusind Arora Edge gives 1% cashback (up to ₹100) on Retail spending upto ₹10,000
Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
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https://www.desidime.com/comments/permalink/10020239
Amazon 5% is only applicable for Prime customers. 3% for non-Prime customers.
https://www.desidime.com/comments/permalink/10020591
OneCard is giving cashback of 20% upto 500 on grocery shopping on stores like RelianceMart, Dmart, More etc from last few months. It is also giving 30% cashback upto 300 on medicine bought from Medplus and some other stores.
10% discount on 1500 IOCL Vouchers brought from Park+
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https://www.desidime.com/comments/permalink/10021060
Although I marvel at the work you have done,
This is a waste of your time. Get a cb card and 2 cards for specific high spends and keep your sanity
https://www.desidime.com/comments/permalink/10021508
Doesn't SBI Cashback card gives 5% on many of the rows like Swiggy, JioMart etc?
https://www.desidime.com/comments/permalink/10028444
I am not able to see axis neo 40% discount coupon in zomato
anyone able to see it?
Click here to reply
Reply
Although I marvel at the work you have done,
This is a waste of your time. Get a cb card and 2 cards for specific high spends and keep your sanity
You could have saved your precious 1 minute by not typing this comment. 😂
( No hard feelings, don't get offended please)
Kudos to OP. You have done great work.