Underdog Credit Card IMO!!! - Axis Cash Back Credit Card

[Ram1]

Curious, unless one spends above 50k in a month, they wont get 5% cumulative cashback for online spends..

How its underrated when compared to Swiggy, SBI Cashback etc.

Spend 40k = 4.62%

and full 70k to get the cap gives 5.65%

(note: these ranges exclude annual fee for these cards)

its unnecessary headache to achieve specific spends, infact compare to this IMO AmEx milestone way better or a simple 5% online cards much better.

its not a good card, IMO.

Upto 5k its 2%, above 5k its 5%, no need to spend more than 50k

 

[helloworld]

Upto 5k its 2%, above 5k its 5%, no need to spend more than 50k

same logic said by many with idfc cards. Consider cumulative rate, that is what we're getting finally. Same logic applied to savings account interest for marketing strategy where people see big number but that we never achive because its slab based and average always less tha what they promise.

Spend 5k, get 100 cashback = 2% overall

Spend 15k, get 600 cashback = 4% overall

Spend 30k, get 1350 cashback = 4.5% overall

its never 5% for slab based rewards.. same for idfc cards its never 2.5%.

 

[Ram1]

same logic said by many with idfc cards. Consider cumulative rate, that is what we're getting finally. Same logic applied to savings account interest for marketing strategy where people see big number but that we never achive because its slab based and average always less tha what they promise.

Spend 5k, get 100 cashback = 2% overall

Spend 15k, get 600 cashback = 4% overall

Spend 30k, get 1350 cashback = 4.5% overall

its never 5% for slab based rewards.. same for idfc cards its never 2.5%.

Ok boss
Agree with you

 

[Ram1]

People not encouraging rare goodness from axis bank🥲

See on the brighter side also guys,
This is intended for heavy spenders, say ur hdfc swiggy, sbi cb cards exhausted and u want to spend more ( everyone wont get these cards)

Also during sales, if one buys a costly item like iphones more than 50k, they are getting 10% discount, approx 5% cashback from this card and grab deals cashback, triple offer which wont applicable on fk card.

And regarding fees, u always have retention to recover something back.

 

[SSV]

People not encouraging rare goodness from axis bank

To start with , is it an original 🪓 card ??
I believe it is a migrated card from citi.. right ?
Then what were the original features of this erstwhile citi card??
I actually don’t know the history of this card…
Just enlighten us the history and enlighten us what 🪓 made this a better and attractive card..
As I said I had no idea about this card until now

 

[Ram1]

To start with , is it an original 🪓 card ??
I believe it is a migrated card from citi.. right ?
Then what were the original features of this erstwhile citi card??
I actually don’t know the history of this card…

Original citi card doesn't have this system .
This axis cashback card is way better than citi cashback card.

Here are benefits of citi cb card
Cashback:
5% cashback: On movie ticket purchases, telephone bill payments, and utility bill payments.
0.5% cashback: On all other eligible purchases.
Cashback credited: Cashback is automatically credited to the card's statement balance in multiples of Rs. 500.

 

[HumorSimpson]

This is intended for heavy spenders, say ur hdfc swiggy, sbi cb cards exhausted and u want to spend more ( everyone wont get these cards)

For this icici amazon card does the job

>> Also during sales, if one buys a costly item like iphones more than 50k, they are getting 10% discount, approx 5% cashback from this card and grab deals cashback, triple offer which wont applicable on fk card.


Not sure about this .

 

[Ram1]

For this icici amazon card does the job

>> Also during sales, if one buys a costly item like iphones more than 50k, they are getting 10% discount, approx 5% cashback from this card and grab deals cashback, triple offer which wont applicable on fk card.


Not sure about this .

Nope amazon icici cc also give 5%cb, 5% discount not 10% flat discount. Also it doesn't have special cb portal like grab deals

 

[SSV]

Original citi card doesn't have this system .
This axis cashback card is way better than citi cashback card.

Here are benefits of citi cb card
Cashback:
5% cashback: On movie ticket purchases, telephone bill payments, and utility bill payments.
0.5% cashback: On all other eligible purchases.
Cashback credited: Cashback is automatically credited to the card's statement balance in multiples of Rs. 500.

Okay then , then it is a much better card when compared to original citi card, as per the information given by you…

Next question , can anybody get this card now ?? Or only former citi card holders are only eligible to own this card?

 

[Ram1]

Okay then , then it is a much better card when compared to original citi card..
Next question can anybody get this card now ?? Or only former citi card holders are only eligible to own this card?

Previously it was not there to apply.
But i can see in upgrade offers to my neo card, master cashback card is being offered.

So i guess its available to everybody

 

[SSV]

Previously it was not there to apply.
But i can see in upgrade offers to my neo card, master cashback card is being offered.

So i guess its available to everybody

So , you don’t own the card yet.. I thought you were carrying it from your old citi relationship

 

[Ram1]

So , you don’t own the card yet.. I thought you were carrying it from your old citi relationship

My frd has citi card, i changed it to my no that time, so axis cb cc also been there on my no, i rarely use it. Once i spent more than 1L, got 4k that month.

On my cust id, in neo upgrade, i can see cb cc as one of the options