Axis Ace is still the best card after the devaluation, it offers 2% unlimited cashback on offline transactions.
Which categories in offline you use this card usually?
I hope purchase of gold/jewellery items, educational services already not eligile.
Where as Scan related shops usually cover with UPI CC (which anyway we can't use Ace in those shops).
Dining not the best card to get only 2% cashback.
Entertainment, shopping usually covers online cards (either with vouchers or web purchases) and we have cards that provide 5% on shopping, departmental stores, grocery (offline) with more or less same fee and less restriction.
Bills covers only Electricity, Gas, Mobile Recharges, Broadband but for me that usually covers with AmazonPay vouchers, even without that usually annual packs provide more than 5% discount (except: Electricity, Gas where you have to pay every month and Ace provides 5% on those categories - actual benefit I see with this card ).
Curious to know which categories I missed for Offline spends? if possible let me know it will help to optimize spends actually. TIA
I see some categories but we use on those categories occasionally (not hoping regularly), anycase useful offline categories other than mentioned above
- Healthcare (hospitals, pharmacy etc.)
- Service centers (bike, car, mobile etc.)
- Where those 5% deparmental store cards not eligible due to MCC (shopping stores, electronics stores (if they accept cc))