What's That Underdog Credit Card for You?

[Subhankar]

What’s that underdog card for you? For me it’s BOB Eterna

Base Reward Rate: 0.75%

Accelerated Reward Rate: 3.75% (capped at 5k pts/ month)

Ideal Spending / Month: 42,000 INR

It’ll qualify for annual milestones of 5 Lac & 50k for 20k pts &10k pts. It'll shoot the reward rate to 4.75 on annual spends of 5 Lac.


1RP= 25p as statement credit.

It has also joining fee waiver on 25k spends on first 60 days, which is amazing considering the value

 

[Subhankar]

@Subhankar is it 5000 limit per statment month? Or is it for regular month! I am confused here!

Statement

 

[BaMbU]

For me it is LTF SCB super value titanium card. We get 5% CB for any fuel transaction below 2000

 

[Darthvader]

For me it is LTF SCB super value titanium card. We get 5% CB for any fuel transaction below 2000

What is the cap for a month ? and yearly ?

 

[Cryptopsycho]

Of course SBI Cashback card is the underdog for me! last month spent 88k and got cashback of 4400/- . After getting this card, SC ultimate and BOB Eterna both seem less useful to me!

 

[Cryptopsycho]

I requested, i thought when they agreed for the reversal, thought will not receive the renewal 5K reward points. But i was surpurised to receive them

Any particular condition for ultimate fee waiver???

 

[BaMbU]

What is the cap for a month ? and yearly ?

Max 200 per month

 

[cch]

Axis Privilege

Buy Swiggy and Flipkart gift vouchers from Gyftr for all spends there, get 5X reward points and use them for Multi brand vouchers to get double the value. Also there are multiple times when grabdeals comes out with great offers.

For example, for 25k spends, I get 6250 RPs which get me a Myntra GV of 2.5k. So my yearly shopping gets covered.

Now I dont use it much since I got Magnus! All RPs go towards miles now.

 

[SujeethP]

Any particular condition for ultimate fee waiver???

No just requested n they agreed

 

[rp0703]

What’s that underdog card for you? For me it’s BOB Eterna

Base Reward Rate: 0.75%

Accelerated Reward Rate: 3.75% (capped at 5k pts/ month)

Ideal Spending / Month: 42,000 INR

It’ll qualify for annual milestones of 5 Lac & 50k for 20k pts &10k pts. It'll shoot the reward rate to 4.75 on annual spends of 5 Lac.


1RP= 25p as statement credit.

It has also joining fee waiver on 25k spends on first 60 days, which is amazing considering the value

For me it's AU LIT.

I have 2 features activated i.e 10x on online spends and 5% CB on all retail spends. Both features cost 299+GST each for 90 days. So that's around Rs. 2825 per year. But if you are spending just Rs. 10,000 per 30 days, the max CB you would earn is Rs. 9000 (Rs. 10000 X 12 X 7.5%) and effective rate of return would be 5.15%.

I have taken spend Rs. 10,000 per 30 days because 5% CB feature give max CB of Rs. 500 per 30 days.

 

[deep@vie]

What is the cap for a month ? and yearly ?

monthly capping is 200.

 

[deep@vie]

For me it is LTF SCB super value titanium card. We get 5% CB for any fuel transaction below 2000

on first purchase of fuel =>1500. You'll get 1500 flat cashback.

 

[mixton]

Sbi cashback works very well for me. No hassle of converting points or calculating how to get max rewards. Straight 5% cashback on every online transaction. On top of that you can use it anywhere you want. I booked some flights and hotels online on websites that offered the lowest price or discounts, and on top of that i got 5% cashback. Have started using it on Swiggy and Blinkit too for the little cashbacks that add up neatly over time.

I have paired it up with axis vistara signature for rent, utility and offline payments. Help me fetch those free premium economy tickets for the rest of payments.
Also, sbi cashback has access to 080 lounge, which makes me feel like i am holding a premium card once a quarter.

 

[shashifed]

Sbi cashback works very well for me. No hassle of converting points or calculating how to get max rewards. Straight 5% cashback on every online transaction. On top of that you can use it anywhere you want. I booked some flights and hotels online on websites that offered the lowest price or discounts, and on top of that i got 5% cashback. Have started using it on Swiggy and Blinkit too for the little cashbacks that add up neatly over time.

I have paired it up with axis vistara signature for rent, utility and offline payments. Help me fetch those free premium economy tickets for the rest of payments.
Also, sbi cashback has access to 080 lounge, which makes me feel like i am holding a premium card once a quarter.

Nice insight, I didn't know about the 080 access, will use it this week

 

[AsB]

HDFC Moneyback + RuPay card for me
Ace Card where RuPay is not allowed.

 

[metro]

Sbi cashback works very well for me. No hassle of converting points or calculating how to get max rewards. Straight 5% cashback on every online transaction. On top of that you can use it anywhere you want. I booked some flights and hotels online on websites that offered the lowest price or discounts, and on top of that i got 5% cashback. Have started using it on Swiggy and Blinkit too for the little cashbacks that add up neatly over time.

I have paired it up with axis vistara signature for rent, utility and offline payments. Help me fetch those free premium economy tickets for the rest of payments.
Also, sbi cashback has access to 080 lounge, which makes me feel like i am holding a premium card once a quarter.

Oh i never know it has access to 080. That's great to know thanks

 

[BUDHRAJ]

HDFC Moneyback + RuPay card for me
Ace Card where RuPay is not allowed.

for me it is most useless card among all...
just use it for rupay offers otherwise useless card

 

[NewUser]

For me it is LTF SCB super value titanium card. We get 5% CB for any fuel transaction below 2000

How did you get this LTF?

 

[Anilkaos]

SBI for online and Flipkart ACE for offline spends

 

[BaMbU]

How did you get this LTF?

They came to our office & offered LTF

 

[Collector_sahab]

Amazon Pay ICICI for day to day usage
On Amazon shopping - 5%
On bill payments - 2%
On other Ecommerce sites - 1%
Offline spend -1%
Annual charges - NIL
Reward point redemption - Not Required, directly credited on bill generation date in Apay Wallet
Reward point cap - NONE, Truly Unlimited
Keeping other banks Branded cards just for specific sale discounts. But most usage is from this Apay card.
Still, I hate this card sometimes, since I don't get any other pre-approved offers from ICICI due to this card.