utility bill pay of 4k. tataneu bill pay or buy amazon GC from infinia card and then pay using az gc or...
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I have broadband utility bill pay of 4k.
Options
1) tataneu bill pay using neu infinity card will give me 200 neu coins..
2) buy amazon GC from smart buy infinia card wil give me 650 rp but need to pay rs aditional 141 as processing feee and then pay on amazon bil, pay using this az gc
3) buy amazon Gc from tatanu using infinity card , may give me 5 % coins (200 coins) no processing fee here. and then use this GC on az platform to pay utility fee..
I can see option 2 using smartbuy option gives me 650 rps which can be better utilized on hotels flight but to get cash value its only 216..and again 141 is processing fee so effective only 75 gain..
so option 1 or 3 seems better,,
can anybody suggest better than above options?
also to pay 4k broadband bill on az using az gc possible ? need to pay any processing or convenience fee for this?
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using smartbuy option gives me 650 rps which can be better utilized on hotels flight but to get cash value its only 216..and again 141 is processing fee
you will earn 675 RP on 4,141 ₹ smartbuy txn on infinia.
Apart from hotels/ flights the rps can be used @ 1:1 ratio for Tanishq GV/ Apple products. (~13% benefits)
Or you can redeem as Amazon GV @ 1:0.5 ratio ( 675/2-141=196.5 on 4k is ~4.9%)
In your scenario if worst case you redeem infinia RPs as AGV, it is coming down to 200 neucoins vs 196.5 AGV.
I would take the AGV than neucoins.
However if it was me I would accumulate some points to use when I take a trip or book for some family member or use them for Apple/ tanishq products.
Thank you for nice explanation. 👍🏼
Payment of uttility bill on az platform using az gc applicable processing or convince charges?
if its Airtel BB then 250 CB on Airtel Axis CC where max bill would be 1000Rs and for other BB it will be 2500Rs
Based on your three options, first will fetch neucoins which has to be used in Tata ecosytem only, second one if you are more into travel/airmiles as its just 1% for CB and 1.6% for voucher returns for Infinia which is not the best or even any use of Infinia as this card is not intended for this type of usage, third is similar to the first, so totally depends on your usage/requirement of the rewards points from your credit cards
Can provide flat Rs 200 off on your broadband payment