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for Grocery/Dining/Offline/Online - LIT is the best not only among AU but overall if your spends are around 7500-10k per month as you can easily net 8.5% CB with the respective features on OR HSBC CB card if its Grocery/Dining/Food Delivery spends are 10k per month which would fetch 9% CB after...

The MCC would be same irrespective of the cc right ? -- this I guess depends on the provider i.e. AMEX/Visa/Mastercard etc as they may have different codes for the same merchant but at bank wise should be same i.e. Axis VISA and SBI VISA but would request others to share their feedback..

yes.. also you can try with a small amount to confirm at your end as 5% off reflects in 2-3 days time in the app so if there is no tagging of Amazon transactions under 5% electronics CB category after 2-3 days or max 5 days then for sure it means that category is not eligible like bill...

as mentioned by @phronimos it depends on MCC tagged and 5% is off on electronics so don't think it will work on gold coin or GC purchases in Amazon/FK/Croma etc.. You are eligible for: • Additional 5% cashback for travel, dining, grocery, electronics, & apparel expenses in addition to 1 Reward...

according to the offer T&Cs yes... Applicable Categories: Mobile Phones, Electronics, Household Appliances, Furniture & Apparels https://offers.aubank.in/offers/offer-details/ba08b671-77e6-4cd9-aae1-a435e1480934/generic/cashback-deligh?utm_source=adobe&utm_medium=waba&utm_campaign=cc_azfk_06oct

according to the offer T&Cs yes.. and also 5% off electronics upto 1000 Applicable Categories: Mobile Phones, Electronics, Household Appliances, Furniture & Apparels...

Correct.. If you are going to spend 15-20k for the whole month with AU LIT card on the offer mentioned categories in Amazon/FK then its better to use LIT card with features ON as without the features, it will be direct 1500 off on 15k so overall 10% reward rate for 15k spends, also switching...

AU LIT card is LTF only and based on the packs you activate you will be charged accordingly.. those who do offline grocery shopping for around 10k per month, this is the best card as your cashback return rate is 9% which is the best and highest among all CCs as of today