CREDIT CARD -> Need suggestion on Reward Rate to replace cards for OFFLINE SPENDS
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Hello Dimers
My plan to get max out of BASE reward rate for every category using credit card is as follows MAJORITY FOR OFFLINE SPENDS
a) Category: Apparels - Axis Rewards card (10RP for Rs. 125 spent i.e 2% reward rate)
b) Category: Departmental store - SBI SimplySAVE (10RP for Rs. 150 spent i.e 1.66% reward rate)
c) Category: Grocery - SBI SimplySAVE (10RP for Rs. 150 spent i.e 1.66% reward rate)
d) Category: Medicals - SBI Pulse card (10RP for Rs. 100 spent i.e 2.5% reward rate)
e) Category: Hotel/Dining - SBI Pulse card (10RP for Rs. 100 spent i.e 2.5% reward rate)
f) Category: Fuel - (have to find one)
g) Category: Amazon and Flipkart and other online stores even food like swiggy/zomato - SBI Cashback (5% Reward rate using GV)
h) Category: Utilities - SBI Cashback (5% Reward rate using GV)
i) Category: Misc / Others - Axis Ace (1.5% Reward rate)
(Any category I left to mention here? please add in comments)
So what i would like to know is do you know any BETTER CREDIT CARDS to replace this set of cards I mentioned above category wise?
Put out your own suggention list in comments below:) it will help all the future dimers:) and VU if you like this topic for more visibility in DD and get this shared to many and get more ideas:)
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Great thanks:) hmm thought to get it sadly HSBC application displays my work place is not in their area of operation kinda thing grrrr
but ya HSBC cashback i have my eyes on:) hopefully i can get it some way i hope;)
AU LIT is a good card too:)
Thanks for the good share:)))
a) Category: Apparels - Axis Rewards card (10RP for Rs. 125 spent i.e 2% reward rate)
b) Category: Departmental store - HSBC Cashback (9% reward rate) after 10000 use SBI pulse (10RP for Rs. 100 spent i.e 2.5% reward rate)
c) Category: Grocery - HSBC Cashback (9% reward rate) after 10000 use SBI SimplySAVE (10RP for Rs. 150 spent i.e 1.66% reward rate)
d) Category: Medicals - SBI Pulse card (10RP for Rs. 100 spent i.e 2.5% reward rate)
e) Category: Hotel/Dining - HSBC Cashback (9% reward rate) after 10000 use SBI pulse (10RP for Rs. 100 spent i.e 2.5% reward rate)
f) Category: Fuel - (have to find one)
g) Category: Amazon and Flipkart and other online stores even food like swiggy/zomato - SBI Cashback (5% Reward rate using GV)
h) Category: Utilities - SBI Cashback (5% Reward rate using GV)
i) Category: Misc / Others - Axis Ace (1.5% Reward rate)
edited the content with the help and thanks to arundass007378
so anymore suggestions anyone?
BOB snapdeal : online spends, grocery, and departmental/retail stores - 2.5%
I see you have mentioned the entry level cards. Premium cards would have higher base reward rate and can replace most of the cards but hard to get.
BOB Snap deal card nice card:)
Yes very true:)
but premium cards i have seen only gave 3.3% max as BASE reward:) (eg HDFC infinia)
if you know any premium cards please suggest would be nice to add to this list:) to get it updated for better:)
ya sadly premium cards are hard to get:)
btw updated the list thanks to you:)
a) Category: Apparels - Axis Rewards card (10RP for Rs. 125 spent i.e 2% reward rate)
b) Category: Departmental store - HSBC Cashback (9% reward rate) after 10000 use SBI pulse (10RP for Rs. 100 spent i.e 2.5% reward rate) or BOB Snap deal (2.5% reward rate)
c) Category: Grocery - HSBC Cashback (9% reward rate) after 10000 use SBI SimplySAVE (10RP for Rs. 150 spent i.e 1.66% reward rate) or BOB Snap deal (2.5% reward rate)
d) Category: Medicals - SBI Pulse card (10RP for Rs. 100 spent i.e 2.5% reward rate)
e) Category: Hotel/Dining - HSBC Cashback (9% reward rate) after 10000 use SBI pulse (10RP for Rs. 100 spent i.e 2.5% reward rate)
f) Category: Fuel - (have to find one)
g) Category: Amazon and Flipkart and other online stores even food like swiggy/zomato - SBI Cashback (5% Reward rate using GV) after 1lakh use BOB Snap deal (2.5% reward rate)
h) Category: Utilities - SBI Cashback (5% Reward rate using GV)
i) Category: Misc / Others - Axis Ace (1.5% Reward rate)
edited the content with the help and thanks to
so anymore suggestions anyone?
Hi, any recommended cards for government spends like Tax and NPS?
a) Category: Apparels - Axis Rewards card (10RP for Rs. 125 spent i.e 2% reward rate)
b) Category: Departmental store - HSBC Cashback (9% reward rate) after 10000 use SBI pulse (10RP for Rs. 100 spent i.e 2.5% reward rate) or BOB Snap deal (2.5% reward rate)
c) Category: Grocery - HSBC Cashback (9% reward rate) after 10000 use SBI SimplySAVE (10RP for Rs. 150 spent i.e 1.66% reward rate) or BOB Snap deal (2.5% reward rate)
d) Category: Medicals - SBI Pulse card (10RP for Rs. 100 spent i.e 2.5% reward rate)
e) Category: Hotel/Dining - HSBC Cashback (9% reward rate) after 10000 use SBI pulse (10RP for Rs. 100 spent i.e 2.5% reward rate)
f) Category: Fuel - (have to find one)
g) Category: Amazon and Flipkart and other online stores even food like swiggy/zomato - SBI Cashback (5% Reward rate using GV) after 1lakh use BOB Snap deal (2.5% reward rate)
h) Category: Utilities - SBI Cashback (5% Reward rate using GV)
i) Category: Govt / Tax - standard chartered smart credit card (2% reward rate)
j) Category: Misc / Others - Axis Ace (1.5% Reward rate)
edited the content with the help and thanks to
so anymore suggestions anyone?
For fuel sc titanium value
a) Category: Apparels - Axis Rewards card (10RP for Rs. 125 spent i.e 2% reward rate)
b) Category: Departmental store - HSBC Cashback (9% reward rate) after 10000 use SBI pulse (10RP for Rs. 100 spent i.e 2.5% reward rate) or BOB Snap deal/BOB Premier (2.5% reward rate) till 20,000
c) Category: Grocery - HSBC Cashback (9% reward rate) after 10000 use SBI SimplySAVE (10RP for Rs. 150 spent i.e 1.66% reward rate) or BOB Snap deal (2.5% reward rate)
d) Category: Medicals - SBI Pulse card (10RP for Rs. 100 spent i.e 2.5% reward rate)
e) Category: Hotel/Dining - HSBC Cashback (9% reward rate) after 10000 use SBI pulse (10RP for Rs. 100 spent i.e 2.5% reward rate)
f) Category: Fuel - Standard Charted titanium value - (max is 200 per month at 5% rate so Max Rs. 4000 transaction value) with CB credit only for less than or equal to Rs. 2000 per single transaction
g) Category: Amazon and Flipkart and other online stores even food like swiggy/zomato - SBI Cashback (5% Reward rate using GV) after 1lakh use BOB Snap deal (2.5% reward rate)
h) Category: Utilities - SBI Cashback (5% Reward rate using GV)
i) Category: Govt / Tax - standard chartered smart credit card (2% reward rate)
j) Category: Travel - BOB Premier (2.5% Reward rate) till 20,000
k) Category: Misc / Others - Axis Ace (1.5% Reward rate)
l) Category: Insurance insurance is partially covered by SBI cashback card with Apay, since Apay is not supporting all insurance (i heard) but ya good for some insurance that is supported by Apay
m) Category: UPI - BOB Snap deal (2.5% reward rate) till Rs. 20,000 , tata neu infinity is kinda tricking one as it locks in tata brand with high priced products be careful:)
edited the content with the help and thanks to
so anymore suggestions anyone?
added travel card so any other suggestion from anyone will improve this list for all:) so keep commenting:) and sharing/upvoting:) hehehehe
Online shopping, recharge & bills, insurance : sbi cb cc
Grocery, dining, food delivery : hsbc cb cc
Fuel : egv, sc titanium value
Gold / installment : amex mrcc, egv
All other exp :
au lit upto 10k, hsbc cb cc, hdfc millennia
Excluded categories : az pay icici
Upi : tata neu infinity, bob snap deal, kotak myntra
insurance is partially covered by SBI cashback card with Apay, since Apay is not supporting all insurance (i heard) but ya good for some insurance that is supported by Apay
Gold amex mrcc? how much reward rate?
UPI: BOB snap deal is no:1
since Tata neu infinity is locking into tata brand and all the tata brands are too costly, when we do simple search on ggoogle we get less price when compared to tata app lol xD:) can't waste money because of tata brand value xD
Kotak myntra is that good? how much reward rate?
Is Bob snaldeal 2.5% has monthly cap or unlimited ?
a) Category: Apparels - Axis Rewards card (10RP for Rs. 125 spent i.e 2% reward rate)
b) Category: Departmental store - HSBC Cashback (9% reward rate) after 10000 use SBI pulse (10RP for Rs. 100 spent i.e 2.5% reward rate) or BOB Snap deal/BOB Premier (2.5% reward rate) till 20,000
c) Category: Grocery - HSBC Cashback (9% reward rate) after 10000 use SBI SimplySAVE (10RP for Rs. 150 spent i.e 1.66% reward rate) or BOB Snap deal (2.5% reward rate)
d) Category: Medicals - SBI Pulse card (10RP for Rs. 100 spent i.e 2.5% reward rate)
e) Category: Hotel/Dining - HSBC Cashback (9% reward rate) after 10000 use SBI pulse (10RP for Rs. 100 spent i.e 2.5% reward rate)
f) Category: Fuel - Standard Charted titanium value - (max is 200 per month at 5% rate so Max Rs. 4000 transaction value) with CB credit only for less than or equal to Rs. 2000 per single transaction
g) Category: Amazon and Flipkart and other online stores even food like swiggy/zomato - SBI Cashback (5% Reward rate using GV) after 1lakh use BOB Snap deal (2.5% reward rate)
h) Category: Utilities - SBI Cashback (5% Reward rate using GV)
i) Category: Govt / Tax - standard chartered smart credit card (2% reward rate)
j) Category: Travel - BOB Premier (2.5% Reward rate) till 20,000
k) Category: Misc / Others - Axis Ace (1.5% Reward rate)
l) Category: Insurance insurance is partially covered by SBI cashback card with Apay, since Apay is not supporting all insurance (i heard) but ya good for some insurance that is supported by Apay
m) Category: UPI - BOB Snap deal (2.5% reward rate) till Rs. 20,000 , And kotak myntra 1.25% on 2k or more txn, tata neu infinity is kinda tricking one as it locks in tata brand with high priced products be careful:)
n) Category: Gold - Amex mrcc 4-5%
o) Category : Wallet MCC - BOB Eterna - 3.75% upto 1562 (+1% milestone) and BOB Snapdeal - 2.5% upto 833 , AU LIT - 2.5% unlimited (with subscription plan), SC Smart - 2% upto 1000
edited the content with the help and thanks to
so anymore suggestions anyone?
Au lit 2.5% how ?
one card is constantly running offer for 20-30% reward on grocery, medicine, restaurants, shopping
yes thanks for the inputs and suggestion
looking for constant base reward rate actually for the list of cards (running rewards vanish or user specific at times) , we can't depend on variable rate right? then this list can't be constant for at least some minimum months
so lets look at base reward rate which is constant so that we can arrange the cards in list:) for dimers to be confident on picking things from this list:)
would be nice to add "one card" but any good base reward in any category?
Afaik for upi txns, bob snapdeal gives 1% upto 125rs only
Btw for which categories you need cc ?
And how much you spend in one yr on those categories ?
Based on your answers, dimers can suggest you best cards
I am just trying to generalize the list so that I can get this list of cards one by one in upcoming months:) similarly this might help in future for dimers who refer
but my goal was finding best set of cards under each category without much constrains, from entry level to premium cards to stack up based on reward rate (high to low) in each category
for now this list if full of entry level cards, but if any premium card can be added would be nice to add more under each category:)
the max the premium reward card can offer is 3.33% (without other combo offer) base reward rate so looking onto it as well
for Hotel/Dining/Departmental/Supermarkets (with Grocery) - best would be HSBC Cashback/AU LIT as you can easily get 8-9% CB for 10k spent every month