Best CCs for Recharge, Utility, Insurance and Prop.Tax Payments - Axis Ace vs Airtel Axis vs SBI CB

rawfiul · Oct 20, 2023

Just made a spreadsheet customized to my spending, here are my observations:

1. SBI CASHBACK CC - As long as i can use the trick of buying amazon gift cards using sbi cashback card @ 5% the card is unbeatable. Im sure they will patch it soon. If they patch it, ill incur loss. Its almost funny how this ranks best and worst.

2. AIRTEL AXIS CC - I didnt find any info saying Airtel Axis CC will not give 1% cb for insurance, property tax or other spends so i assumed 10% for electricity and gas and 1% for every other spend (I might be wrong, please correct me). This card ranks 2nd.

3. AMAZON ICICI CC - LTF and still ranks better than AXIS ACE without prime membership. (According to data i found, ll get 2% on all bills, insurance and property tax paid via amazon pay portal and 1% on any other online/offline spends.

4. AXIS ACE - this cc told me to F**k off with my insurance and property tax payments. 5% for electricity, gas and mobile recharge and 2% for online and offline spends is good but still ranks worse than LTF Amazon ICICI.

5. IDFC 1st Wealth - The card i have, pretty bad cashbacks but ill thank this card for building some credit scores.

I request you gurus to spend some time and go thru my observations and suggest best for my condition. Please correct me with the assumed cb % and suggest me other CCs which i might not be aware of.

My heart says i should just get icici amazon cc and be happy with whatever cb i get.

Plaintext for pc web browsers and screenshot of the spreadsheet for mobile users:

Payment options	Expenses	per month	annual	Amazon ICICI	Axis ACE	Airtel Axis	SBI Cashback with trick	SBI Cashback without trick	IDFC 1st Wealth
-	Online shopping	500	6000	180	120	60	300	300	90
apay, gpay, airtel	Electricity	1500	18000	360	900	1800	900	0	270
apay, gpay, airtel	Gas	350	4200	84	210	420	210	0	63
apay, gpay, airtel	Mobile recharge	630	7560	151.2	378	75.6	378	0	113.4
apay	Broadband	588	7056	141.12	141.12	70.56	352.8	0	105.84
apay, gpay, airtel	LIC Person 1	346	4152	83.04	0	41.52	207.6	0	62.28
apay, gpay, airtel	LIC Person 2	1970	23640	472.8	0	236.4	1182	0	354.6
apay, gpay	City 1 property tax	1590	19080	381.6	0	190.8	954	0	286.2
-	City 2 property tax	200	2400	24	0	24	0	0	18
-	Scooty insurance	100	1200	12	0	12	0	0	3
-	Offline meds	300	3600	36	72	36	36	36	27
-	Offline groceries	5000	60000	600	1200	600	600	600	450
	ANNUAL FEES	-	-	0	-590	-590	-1178	-1178	-118

	TOTAL		156888	2525.76	2431.12	2976.88	3942.4	-242	1725.32

John Since · Oct 20, 2023

rawfiul said:
Just made a spreadsheet customized to my spending, here are my observations:

1. SBI CASHBACK CC - As long as i can use the trick of buying amazon gift cards using sbi cashback card @ 5% the card is unbeatable. Im sure they will patch it soon. If they patch it, ill incur loss. Its almost funny how this ranks best and worst.

2. AIRTEL AXIS CC - I didnt find any info saying Airtel Axis CC will not give 1% cb for insurance, property tax or other spends so i assumed 10% for electricity and gas and 1% for every other spend (I might be wrong, please correct me). This card ranks 2nd.

3. AMAZON ICICI CC - LTF and still ranks better than AXIS ACE without prime membership. (According to data i found, ll get 2% on all bills, insurance and property tax paid via amazon pay portal and 1% on any other online/offline spends.

4. AXIS ACE - this cc told me to F**k off with my insurance and property tax payments. 5% for electricity, gas and mobile recharge and 2% for online and offline spends is good but still ranks worse than LTF Amazon ICICI.

5. IDFC 1st Wealth - The card i have, pretty bad cashbacks but ill thank this card for building some credit scores.

I request you gurus to spend some time and go thru my observations and suggest best for my condition. Please correct me with the assumed cb % and suggest me other CCs which i might not be aware of.

My heart says i should just get icici amazon cc and be happy with whatever cb i get.

Plaintext for pc web browsers and screenshot of the spreadsheet for mobile users:

Payment options Expenses per month annual Amazon ICICI Axis ACE Airtel Axis SBI Cashback with trick SBI Cashback without trick IDFC 1st Wealth
- Online shopping
500
6000
180
120
60
300
300
90
apay, gpay, airtel Electricity
1500
18000
360
900
1800
900
0
270
apay, gpay, airtel Gas
350
4200
84
210
420
210
0
63
apay, gpay, airtel Mobile recharge
630
7560
151.2
378
75.6
378
0
113.4
apay Broadband
588
7056
141.12
141.12
70.56
352.8
0
105.84
apay, gpay, airtel LIC Person 1
346
4152
83.04
0
41.52
207.6
0
62.28
apay, gpay, airtel LIC Person 2
1970
23640
472.8
0
236.4
1182
0
354.6
apay, gpay City 1 property tax
1590
19080
381.6
0
190.8
954
0
286.2
- City 2 property tax
200
2400
24
0
24
0
0
18
- Scooty insurance
100
1200
12
0
12
0
0
3
- Offline meds
300
3600
36
72
36
36
36
27
- Offline groceries
5000
60000
600
1200
600
600
600
450
ANNUAL FEES - -
0
-590
-590
-1178
-1178
-118
TOTAL
156888
2525.76
2431.12
2976.88
3942.4
-242
1725.32

You can add Tata Neu Infinity which gives 5% for all utility payments directly via neu coins as an alternative to SBI Cashback card

Sai Ganesh · Oct 20, 2023

rawfiul said:
Just made a spreadsheet customized to my spending, here are my observations:

1. SBI CASHBACK CC - As long as i can use the trick of buying amazon gift cards using sbi cashback card @ 5% the card is unbeatable. Im sure they will patch it soon. If they patch it, ill incur loss. Its almost funny how this ranks best and worst.

2. AIRTEL AXIS CC - I didnt find any info saying Airtel Axis CC will not give 1% cb for insurance, property tax or other spends so i assumed 10% for electricity and gas and 1% for every other spend (I might be wrong, please correct me). This card ranks 2nd.

3. AMAZON ICICI CC - LTF and still ranks better than AXIS ACE without prime membership. (According to data i found, ll get 2% on all bills, insurance and property tax paid via amazon pay portal and 1% on any other online/offline spends.

4. AXIS ACE - this cc told me to F**k off with my insurance and property tax payments. 5% for electricity, gas and mobile recharge and 2% for online and offline spends is good but still ranks worse than LTF Amazon ICICI.

5. IDFC 1st Wealth - The card i have, pretty bad cashbacks but ill thank this card for building some credit scores.

I request you gurus to spend some time and go thru my observations and suggest best for my condition. Please correct me with the assumed cb % and suggest me other CCs which i might not be aware of.

My heart says i should just get icici amazon cc and be happy with whatever cb i get.

Plaintext for pc web browsers and screenshot of the spreadsheet for mobile users:

Payment options Expenses per month annual Amazon ICICI Axis ACE Airtel Axis SBI Cashback with trick SBI Cashback without trick IDFC 1st Wealth
- Online shopping
500
6000
180
120
60
300
300
90
apay, gpay, airtel Electricity
1500
18000
360
900
1800
900
0
270
apay, gpay, airtel Gas
350
4200
84
210
420
210
0
63
apay, gpay, airtel Mobile recharge
630
7560
151.2
378
75.6
378
0
113.4
apay Broadband
588
7056
141.12
141.12
70.56
352.8
0
105.84
apay, gpay, airtel LIC Person 1
346
4152
83.04
0
41.52
207.6
0
62.28
apay, gpay, airtel LIC Person 2
1970
23640
472.8
0
236.4
1182
0
354.6
apay, gpay City 1 property tax
1590
19080
381.6
0
190.8
954
0
286.2
- City 2 property tax
200
2400
24
0
24
0
0
18
- Scooty insurance
100
1200
12
0
12
0
0
3
- Offline meds
300
3600
36
72
36
36
36
27
- Offline groceries
5000
60000
600
1200
600
600
600
450
ANNUAL FEES - -
0
-590
-590
-1178
-1178
-118
TOTAL
156888
2525.76
2431.12
2976.88
3942.4
-242
1725.32

Such a great work bro , your hard work is much appreciated.

I have 1 more suggestion bro , buy Apay GC in amazon using HDFC Millenia and get CB upto 1000 per month which can be used for paying these bills bro.

I know you have kept SBI CB CC for buying Apay GC , anyway just letting you know we have an alternative as well.

rawfiul · Oct 20, 2023

Sai Ganesh said:
Such a great work bro , your hard work is much appreciated.

I have 1 more suggestion bro , buy Apay GC in amazon using HDFC Millenia and get CB upto 1000 per month which can be used for paying these bills bro.

I know you have kept SBI CB CC for buying Apay GC , anyway just letting you know we have an alternative as well.

just checked it out, the cashback redemption is iffy on hdfc millenia and pretty straight forward on sbi cashback

Sai Ganesh · Oct 20, 2023

rawfiul said:
just checked it out, the cashback redemption is iffy on hdfc millenia and pretty straight forward on sbi cashback

You can directly redeem into statement bro.

pmhunter · Oct 20, 2023

Specter said:
You can add Tata Neu Infinity which gives 5% for all utility payments directly via neu coins as an alternative to SBI Cashback card

Another advantage of Tata Neu Infinity is Apay shows only UPI option for bills above 15,000, also you can club multiple bills under a category and make a single payment.

Syed Habeeb · Oct 20, 2023

I can see we can pay LIC in the airtel app now. Will LIC payment give 10% up to 300?

rawfiul · Oct 20, 2023

Syed Habeeb said:
I can see we can pay LIC in the airtel app now. Will LIC payment give 10% up to 300?

I have assumed we will get 10% back since they dont exclude insurance payments in their T&C

vaibhavpp0707 · Oct 20, 2023

Additionally we can refer this consolidated data from Cardmaven's twit

Syed Habeeb · Oct 20, 2023

vaibhavpp0707 said:
Additionally we can refer this consolidated data from Cardmaven's twit

This is excellent summary of which card is best for which transaction 👍

rajani1702 · Oct 31, 2023

rawfiul said:
Just made a spreadsheet customized to my spending, here are my observations:

1. SBI CASHBACK CC - As long as i can use the trick of buying amazon gift cards using sbi cashback card @ 5% the card is unbeatable. Im sure they will patch it soon. If they patch it, ill incur loss. Its almost funny how this ranks best and worst.

2. AIRTEL AXIS CC - I didnt find any info saying Airtel Axis CC will not give 1% cb for insurance, property tax or other spends so i assumed 10% for electricity and gas and 1% for every other spend (I might be wrong, please correct me). This card ranks 2nd.

3. AMAZON ICICI CC - LTF and still ranks better than AXIS ACE without prime membership. (According to data i found, ll get 2% on all bills, insurance and property tax paid via amazon pay portal and 1% on any other online/offline spends.

4. AXIS ACE - this cc told me to F**k off with my insurance and property tax payments. 5% for electricity, gas and mobile recharge and 2% for online and offline spends is good but still ranks worse than LTF Amazon ICICI.

5. IDFC 1st Wealth - The card i have, pretty bad cashbacks but ill thank this card for building some credit scores.

I request you gurus to spend some time and go thru my observations and suggest best for my condition. Please correct me with the assumed cb % and suggest me other CCs which i might not be aware of.

My heart says i should just get icici amazon cc and be happy with whatever cb i get.

Plaintext for pc web browsers and screenshot of the spreadsheet for mobile users:

Payment options Expenses per month annual Amazon ICICI Axis ACE Airtel Axis SBI Cashback with trick SBI Cashback without trick IDFC 1st Wealth
- Online shopping
500
6000
180
120
60
300
300
90
apay, gpay, airtel Electricity
1500
18000
360
900
1800
900
0
270
apay, gpay, airtel Gas
350
4200
84
210
420
210
0
63
apay, gpay, airtel Mobile recharge
630
7560
151.2
378
75.6
378
0
113.4
apay Broadband
588
7056
141.12
141.12
70.56
352.8
0
105.84
apay, gpay, airtel LIC Person 1
346
4152
83.04
0
41.52
207.6
0
62.28
apay, gpay, airtel LIC Person 2
1970
23640
472.8
0
236.4
1182
0
354.6
apay, gpay City 1 property tax
1590
19080
381.6
0
190.8
954
0
286.2
- City 2 property tax
200
2400
24
0
24
0
0
18
- Scooty insurance
100
1200
12
0
12
0
0
3
- Offline meds
300
3600
36
72
36
36
36
27
- Offline groceries
5000
60000
600
1200
600
600
600
450
ANNUAL FEES - -
0
-590
-590
-1178
-1178
-118
TOTAL
156888
2525.76
2431.12
2976.88
3942.4
-242
1725.32

What's the SBI cashback card trick you're referring to? I guess they no longer give cashback on gift vouchers.

Raja Muralidharan · Oct 31, 2023

How do you get 600 cashback using SBI cc ? Please DM me 😅

helloworld · Nov 1, 2023

Raja Muralidharan said:
How do you get 600 cashback using SBI cc ? Please DM me 😅

60000x1%(Offline) or 12000x5% (Online).

BeingIncog · Nov 2, 2023

@Abhishek012 hello!!! maybe off topic...
will i get 2% CB if i buy agc from another amazon account, primary is prime. via apay cc ofc?

Abhishek012 · Nov 2, 2023

BeingIncog said:
@Abhishek012 hello!!! maybe off topic...
will i get 2% CB if i buy agc from another amazon account, primary is prime. via apay cc ofc?

No idea but if you have SBI Cashback credit card then get 5% cashback upto Rs5000 per month on Amazon gv purchase.

Use this website to buy Amazon gv, only for SBI Cashback credit card holders.

(Working Again) Trick to get 5% cashback on Amazon gift card using SBI Cashback credit card

Found a trick to get 5% cashback on Amazon gift card purchase using SBI Cashback credit card: Note - This is Amazon gift card purchase. You can use for Recharge, utility billpay, insurance, LIC, Amazon 3rd party merchant payment like Cleartrip, makemytrip, swiggy, MPL etc. There is also no...

www.technofino.in

@rajani1702
@Raja Muralidharan
@rawfiul
@Sai Ganesh

The_Beast · Nov 3, 2023

Which card to take in case of high tax spends? (About 8 lakhs a year)?

Sai Ganesh · Nov 6, 2023

The_Beast said:
Which card to take in case of high tax spends? (About 8 lakhs a year)?

If you ask me go for SBI CB cc , buy amazon vouchers and pay the bills bro.

Deleted member 23535 · Nov 30, 2023

Sai Ganesh said:
Such a great work bro , your hard work is much appreciated.

I have 1 more suggestion bro , buy Apay GC in amazon using HDFC Millenia and get CB upto 1000 per month which can be used for paying these bills bro.

I know you have kept SBI CB CC for buying Apay GC , anyway just letting you know we have an alternative as well.

Using hdfc millennia cc, When i buy egv in az, in sms showing amazon gift card. Will i get 5% cb?

Best CCs for Recharge, Utility, Insurance and Prop.Tax Payments - Axis Ace vs Airtel Axis vs SBI CB

TF Buzz

Attachments

TF Ace

TF Premier

TF Buzz

TF Premier

TF Select

TF Select

TF Buzz

TF Premier

TF Select

TF Neo

TF Neo

TF Legend

TF Ace

TF Pioneer

TF Buzz

TF Premier

TF Premier

Similar threads