Best credit card for different types of transactions

[mumblebee]

Can you tell about the RedGiraffe cash/cashback of 5% that you get? Is it useful and do you actually get it? Please shed some light upon it.

I feel it's kinda useless unless you are a big spender.

You can buy many giftcards for which you can pay a percentage of the amount from that redgiraffe points.
The only useful one I found was 9% on Myntra.

A 1000Rs myntra giftcard costed me 910 + 90 redgiraffe points. But this 910 had to be UPI since they charge some convenience fee if using card.
There are many more giftcards that you can buy but for smaller percentage offers. Also the checkout was a bit of a hustle. But it does work.

 

[raniphore]

Hi Guys,

I've been trying to prepare an excel to compile best credit cards in various categories. Have tried to fill up (to the best of my knowledge) for the cards I have (Please correct me if I'm mistaken anywhere). Please expand the sheet. Can add only 10 rows in the default table, so attached my excel file as well.

Spend category	HDFC Millenia (CB)	SBI Cashback (CB)	Amazon Pay (CB)	SBI Simply Click (RP)	Axis Magnus (RP) (% calculated on redeeming on airline partners which gives max value)	HDFC Infinia (RP)
Rent	No	No			4.8% on upto 50k max per month	Maximum 1665 points, that is points accrued only up to transactions worth ₹50K per month.
Utilities	1%, 5% by Standing instructions in HDFC account	1%	2%		4.8%	3.33%
Amazon	5%	5%	5%	1.25%	14.4% through Amazon coupon on Gyftr	3.33%, 15% through Amazon coupon @Gyftr
Flipkart	5%	5%	1%	1.25%	24% on Grabdeals and coupon on Gyftr	3.33% (10% on Smartbuy) 16.5% on Flipkart coupon thru Smartbuy
Bookmyshow	5%	5%	1%	2.5%	4.8%; 5 times 1 on 1 free upto 500Rs each	3.33%
Swiggy and Zomato	5%	5%	1%	1.25%	26.5% and 29% using Swiggy and Zomato coupon respectively on Gyftr	16.25% using Swiggy coupon on Gyftr
Offline	1%	1%	1%	0.25%	4.8%	3.33%
Flights	5%	5%	1%	1.25%	24% on travel edge	33% on Cleartrip, 16.5% on Goibibo, Yatra, EMT on Smartbuy
Insurance premium	1%	No	2%	No	14.4% using Amazon pay coupon	3.33%15% using Amazon voucher on Amazon pay

Offline Axis ace gives 2%

 

[bugmenot]

I received SBI cashback last week itself and it explicitly mentions that no CB on rent, insurance etc. Amazon pay I'm not sure but edited as per your suggestion. I can add only 10 rows in the default table template on the portal :/

you may want to create Google Sheet and share link. It will always have live data and can be accessed any time.

 

[yogeshjangra6664]

Hi Guys,

I've been trying to prepare an excel to compile best credit cards in various categories. Have tried to fill up (to the best of my knowledge) for the cards I have (Please correct me if I'm mistaken anywhere). Please expand the sheet. Can add only 10 rows in the default table, so attached my excel file as well.

Spend category	HDFC Millenia (CB)	SBI Cashback (CB)	Amazon Pay (CB)	SBI Simply Click (RP)	Axis Magnus (RP) (% calculated on redeeming on airline partners which gives max value)	HDFC Infinia (RP)
Rent	No	No			4.8% on upto 50k max per month	Maximum 1665 points, that is points accrued only up to transactions worth ₹50K per month.
Utilities	1%, 5% by Standing instructions in HDFC account	1%	2%		4.8%	3.33%
Amazon	5%	5%	5%	1.25%	14.4% through Amazon coupon on Gyftr	3.33%, 15% through Amazon coupon @Gyftr
Flipkart	5%	5%	1%	1.25%	24% on Grabdeals and coupon on Gyftr	3.33% (10% on Smartbuy) 16.5% on Flipkart coupon thru Smartbuy
Bookmyshow	5%	5%	1%	2.5%	4.8%; 5 times 1 on 1 free upto 500Rs each	3.33%
Swiggy and Zomato	5%	5%	1%	1.25%	26.5% and 29% using Swiggy and Zomato coupon respectively on Gyftr	16.25% using Swiggy coupon on Gyftr
Offline	1%	1%	1%	0.25%	4.8%	3.33%
Flights	5%	5%	1%	1.25%	24% on travel edge	33% on Cleartrip, 16.5% on Goibibo, Yatra, EMT on Smartbuy
Insurance premium	1%	No	2%	No	14.4% using Amazon pay coupon	3.33%15% using Amazon voucher on Amazon pay

Mujhe bhi card banvana h icici ka

 

[gurubhai]

I guess this hasn't been fixed since redgiraffe needs rent agreements and hence only legitimate rent payments are done through it.
Waiting for your latest update @gurubhai
Have left my magnus application half filled. Once you confirm this is still true, will go ahead with it. 😋

Guys got my rent RPs under this category "Reward Points for Insurance Txn" when paid via Red giraffe.
Enjoy till it last

 

[jhonnytiger]

how to use amazon vouchers to pay LIC premium

 

[eatpepsi]

Guys got my rent RPs under this category "Reward Points for Insurance Txn" when paid via Red giraffe.
Enjoy till it last

what was the percentage of RP, base or accelerated?

 

[yashkirtisinha]

I’ve already bought Swiggy Money voucher of 2000 through gyftr Smartbuy which is the max value offering. Is 2000 the limit or can I buy again and get same benefits?
Basically, what’s the capping on Swiggy money through gyftr Smartbuy

 

[thanix]

I’ve already bought Swiggy Money voucher of 2000 through gyftr Smartbuy which is the max value offering. Is 2000 the limit or can I buy again and get same benefits?
Basically, what’s the capping on Swiggy money through gyftr Smartbuy

I don't think there is any capping on swiggy money voucher in HDFC Smartbuy Gyftr. But I think swiggy money wallet can be loaded only upto 10k per calendar month.

 

[yashkirtisinha]

I don't think there is any capping on swiggy money voucher in HDFC Smartbuy Gyftr. But I think swiggy money wallet can be loaded only upto 10k per calendar month.

good to know, thanks

 

[faraaz303]

Hi Guys,

I've been trying to prepare an excel to compile best credit cards in various categories. Have tried to fill up (to the best of my knowledge) for the cards I have (Please correct me if I'm mistaken anywhere). Please expand the sheet. Can add only 10 rows in the default table, so attached my excel file as well.

Spend category	HDFC Millenia (CB)	SBI Cashback (CB)	Amazon Pay (CB)	SBI Simply Click (RP)	Axis Magnus (RP) (% calculated on redeeming on airline partners which gives max value)	HDFC Infinia (RP)
Rent	No	No			4.8% on upto 50k max per month	Maximum 1665 points, that is points accrued only up to transactions worth ₹50K per month.
Utilities	1%, 5% by Standing instructions in HDFC account	1%	2%		4.8%	3.33%
Amazon	5%	5%	5%	1.25%	14.4% through Amazon coupon on Gyftr	3.33%, 15% through Amazon coupon @Gyftr
Flipkart	5%	5%	1%	1.25%	24% on Grabdeals and coupon on Gyftr	3.33% (10% on Smartbuy) 16.5% on Flipkart coupon thru Smartbuy
Bookmyshow	5%	5%	1%	2.5%	4.8%; 5 times 1 on 1 free upto 500Rs each	3.33%
Swiggy and Zomato	5%	5%	1%	1.25%	26.5% and 29% using Swiggy and Zomato coupon respectively on Gyftr	16.25% using Swiggy coupon on Gyftr
Offline	1%	1%	1%	0.25%	4.8%	3.33%
Flights	5%	5%	1%	1.25%	24% on travel edge	33% on Cleartrip, 16.5% on Goibibo, Yatra, EMT on Smartbuy
Insurance premium	1%	No	2%	No	14.4% using Amazon pay coupon	3.33%15% using Amazon voucher on Amazon pay

Super job. Can someone update it to the latest scenario where most cards are useless for rent and utilities?

 

[aakashyadava]

Please update the sheet with latest data.

 

[eatpepsi]

Can anyone help me understand how i can get "33% on Cleartrip, 16.5% on Goibibo, Yatra, EMT on Smartbuy" for buying flight tickets with my INFINIA ?
Is it through the HDFC smart buy portal only ? how are we getting 33% ???

 

[bugmenot]

Can anyone help me understand how i can get "33% on Cleartrip, 16.5% on Goibibo, Yatra, EMT on Smartbuy" for buying flight tickets with my INFINIA ?
Is it through the HDFC smart buy portal only ? how are we getting 33% ???

Infinia has 3.3% as base reward. If a merchant is available for 10x/5x reward multiplier than it becomes 33%/16.5% respectively.

 

[Wealth is my birth right!]

how to use amazon vouchers to pay LIC premium

Buy vouchers with best rewarded card I mean if magnus 3x for amazon voucher buying in GyFTR portal and add voucher to your Amaz account and from there pay insurance premium

 

[eatpepsi]

Infinia has 3.3% as base reward. If a merchant is available for 10x/5x reward multiplier than it becomes 33%/16.5% respectively.

This applies even when we purchase with smart buy because when booking a flight it gives option to choose a partner, if we use cleartrip we get more RP ?

so we have to choose cleartip here ?

Because here it shows that all are 5x

 

[mgforce]

Because here it shows that all are 5x

It is upto. So need to check fine prints which are 5X, which are 10X partners

 

[bugmenot]

This applies even when we purchase with smart buy because when booking a flight it gives option to choose a partner, if we use cleartrip we get more RP ?

No idea boss. Those who hold infinia can confirm. Me to aukat se bahar hu infinia ke liye 😆

 

[eatpepsi]

what is the best credit card to pay for fuel ? and what is this surcharge waiver they keep talking about... can someone please shed some light on this ??

 

[iAmPm]

you may want to create Google Sheet and share link. It will always have live data and can be accessed any time.

@Kanjoos This would be really beneficial for all of us