APay Balance + credit card offer

[CyberPsych]

Currently Amazon running ICICI card offer - ₹1500 instant discount and additional ₹1500 on minimum purchase of ₹10,000. The product I want to buy is ₹37,000.

Since minimum purchase value is only ₹10,000, can I load ₹27,000 as Apay balance (gift card/shopping voucher bought through amazon with Millenia CC and SBI cashback card using different amazon accounts - I am aware of the single transaction limit for gift card purchase in Amazon) and pay ₹27,000 (Apay) + ₹10,000 (card transaction) to get 5% on ₹27,000 and 10% instant discount (₹3000) on ₹10,000?

Total discount ₹1350 + ₹3000 = ₹4350 (~11.75% cashback for ₹37,000)?

 

[shrewdoc]

Currently Amazon running ICICI card offer - ₹1500 instant discount and additional ₹1500 on minimum purchase of ₹10,000. The product I want to buy is ₹37,000.

Since minimum purchase value is only ₹10,000, can I load ₹27,000 as Apay balance (gift card/shopping voucher bought through amazon with Millenia CC and SBI cashback card using different amazon accounts - I am aware of the single transaction limit for gift card purchase in Amazon) and pay ₹27,000 (Apay) + ₹10,000 (card transaction) to get 5% on ₹27,000 and 10% instant discount (₹3000) on ₹10,000?

Total discount ₹1350 + ₹3000 = ₹4350 (~11.75% cashback for ₹37,000)?

10% of 10000 is not 3000 🤣. (Remember the word UPTO)

To maximise your cashback/discount 😛, Get ₹7k Shopping Voucher (6% with HDFC Millennia via Smartbuy) and pay the rest (₹30k) with ICICI card.

Effective Savings: ₹3420 (9.24%)

 

[CyberPsych]

10% of 10000 is not 3000 🤣. (Remember the word UPTO)

Yeah, right. Blank brain moment there for me.

I will go for 9.24%. Thanks!

 

[CyberPsych]

0% of 10000 is not 3000 🤣. (Remember the word UPTO)

Please see this attached pic.

₹37,040 is total order value. If I subtract ₹700 and ₹7082 vouchers from this total value, 37040-700-7082 = ₹29,257. The 10% instant discount should be ₹2,925 only right? But it shows ₹3000. I think they give instant discount on total order value, then subtracting the vouchers in remaining amount?

 

[tappukepapa]

Please see this attached pic.

₹37,040 is total order value. If I subtract ₹700 and ₹7082 vpuchers from this total value, 37040-700-7082 = ₹29,257. The 10% instant discount should be ₹2,925 only right? But it shows ₹3000. I think they give instant discount on total order value, then subtracting the vouchers in remaining amount?

First card discount offer then rest offers applies, if you are buying via icici credit card then check for NCEMI offer and cancel emi later for additional card discount.

 

[CyberPsych]

First card discount offer then rest offers applies, if you are buying via icici credit card then check for NCEMI offer and cancel emi later for additional card discount.

Both pay in full and no cost EMI (3, 6 and 9) gives same ₹3000 discount.

 

[tappukepapa]

Both pay in full and no cost EMI (3, 6 and 9) gives same ₹3000 discount.

provide product link, let me try.

 

[CyberPsych]

First card discount offer then rest offers applies

So if I can buy 26k vouchers from smart buy (crossing mininum transaction ₹10,000 for instant) and still get ₹3000 for using card?

 

[CyberPsych]

provide product link, let me try.

Here it is -->

https://www.amazon.in/dp/B0BK1KS6ZD?tag=ppvzone-21

The offer is for both EMI and non-EMI so ₹3000 is same.

 

[tappukepapa]

So if I can buy 26k vouchers from smart buy (crossing mininum transaction ₹10,000 for instant) and still get ₹3000 for using card?

Minimum transaction is for bank discount offer, but you will get discount only on the amount you pay via credit card. I can see, offer is flat 1500 and not 10% type

 

[CyberPsych]

Minimum transaction is for bank discount offer, but you will get discount only on the amount you pay via credit card.

But it is instant discount on payment page and you can clearly see the ₹3000 when the total order value is less than ₹30,000.

 

[tappukepapa]

But it is instant discount on payment page and you can clearly see the ₹3000 when the total order value is less than ₹30,000.

Yes, its Flat offer. Can pay rest via other modes.
BUT do one thing, select pay in emi at card page, then see final discount amount. I'm seeing 2158 as additional NCEMI discount.

 

[CyberPsych]

Yes, its Flat offer. Can pay rest via other modes.
BUT do one thing, select pay in emi at card page, then see final discount amount. I'm seeing 2158 as additional NCEMI discount.

Yes, that is the interest discounted. If we pay for 6 months, it will be equal to ₹34000 which is same as paying in full

 

[tappukepapa]

Yes, that is the interest discounted. If we pay for 6 months, it will be equal to ₹34000 which is same as paying in full

Bro, you can cancel ICICI emi later and pay in full that time and enjoy the extra bank discount now.

 

[CyberPsych]

Bro, you can cancel ICICI emi later and pay in full that time and enjoy the extra bank discount now.

How?

37k product -- full pay -- 34k after instant discount

37k product -- emi pay -- 34k after instant discount -- pay 34k in 6 parts becuase the "extra" interest is charged and then discounted, it is the same right?

 

[tappukepapa]

How?

37k product -- full pay -- 34k after instant discount

37k product -- emi pay -- 34k after instant discount -- pay 34k in 6 parts becuase the "extra" interest is charged and then discounted, it is the same right?

Check this https://www.technofino.in/community...action-but-get-the-interest-as-discount.8984/
And Someone Pls explain him. @SSV @Batmanbaba

 

[NeerajNegi]

But it is instant discount on payment page and you can clearly see the ₹3000 when the total order value is less than ₹30,000.

bro panasonic just buying ac

 

[tappukepapa]

bro panasonic just buying ac

Go for LG instead, 5 years PCB warranty

 

[NeerajNegi]

I have

Go for LG instead, 5 years PCB warranty

I have 5 panasonic ac's JAPAN brand working sooo smooth, its little pricy but worth the price

 

[CyberPsych]

Go for LG instead, 5 years PCB warranty

Most of the brand gives 5 year PCB warranty. 10 years on compressor.