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I've spent close to 7L on sbi cashback card this year and got the fee waiver, but on my other sbi ola card have spent around 80-90k so they'll charge fee , so should I try to get that ola sbi converted to ltf

bhai thanks pro max k lie ab mera payzapp balance use karwa do 🤣

Glad it worked for you, this full prepayment to skip the emi conversion is also new info for me, I'll also do the same next time. This is even better.

It can take 2-3 days to convert emi after base txn settlement

It'll should be automatic, although I'm not sure about keeping the full emi value as negative balance, don't know how their system is setup for that. Do keep us posted, Because from my experience if we leave some balance pending it initiated the emi on pending amount only.

Did this in current sale on amazon still works, on sbi ola cc and aurum cc doesn't works on cashback cc

never risked that, used my amex MRCC it atleast guarantees the milestone points.

Sharing an interesting observation. For sbi card if your current outstanding balance is in negative 90-95% of txn, i.e. prepaid more than the enough amount in advance at the time of giving otp doing an emi txn, they will only make emi on that small part which you can ask to advanced foreclosure...

This makes the card alot less compelling, I feel general rule of thumb only ecomm purchases of physical items will give 5% rest no cb and the withdrawal of lounge access is major bummer given that they charge 1000+gst for the card.

I've recently paid college fees on Paytm, using sbi cashback card and they've given 5% cashback. Side note, Amity University has Paytm as one option of payment gateway, you use like any Ecom txn, and it gets detected as same.

okay thanks.

I had initially thought that too but the pg is billdesk or razorpay so had the doubt.

Have anyone tried paying nps contribution using sbi cashback credit card, how much cashback (5%, 1%) does it give? Recently I've paid using amex mrcc, total charged was 10112.8 for 10k installment this includes all fees and pg charges if any, I got points, did this to hit the txn milestone...