Cashback Comparison of My Current Credit Cards: Seeking Your Suggestions

[Gaara]

I have compiled a cashback comparison of the credit cards I currently possess. This comparison was inspired by the discussions in the CM threads. I kindly request you to review it and provide feedback if there are any errors. Additionally, I would appreciate any suggestions on areas where I might have overlooked potential benefits for specific cards.

 

[techt]

Good Compilation . Also add the limits on earning. For ex. ACE has a limit of 500 INR.
Its Tata Neu Select.

 

[Deleted member 23535]

No cc option to pay insurance in az

 

[drsel]

I have compiled a cashback comparison of the credit cards I currently possess. This comparison was inspired by the discussions in the CM threads. I kindly request you to review it and provide feedback if there are any errors. Additionally, I would appreciate any suggestions on areas where I might have overlooked potential benefits for specific cards.

If you use BigBasket a lot apply for IndusInd exclusive savings account and get exclusive debit card free.
You will get 20% discount on big basket 500 on 2500 every month

 

[minhazuddin]

Add HSBC Cashback in your list if you're more into cashback

 

[Gaara]

That Shanghai in HSBC makes me not want to bank with them. I have a feeling that I don’t want to be part of it 😅

 

[dexter_greycells]

HDFC BizMoney Back will let you buy Amazon Pay vouchers via SmartBuy + Gyftr at net 2% OFF (there is a 2.5% + GST upfront surcharge and a 5% subsequent cashback) which can in turn be used for Insurance, IRCTC and even Utilities payments (though for Utilities you have one of the best cards in the form of Axis ACE).

For Flipkart, Myntra, BigBasket, Swiggy/Zomato there is no surcharge and thus you can get them at 5% OFF using the same route as above.

Deals

SmartBuy is a platform only for display of offers extended by Merchants to HDFC Bank's Customers

offers.smartbuy.hdfcbank.com

If you are interested in Tata Neu Coins instead of the cashback (I see no reason why anyone would do this) refer to this table -

Deals

SmartBuy is a platform only for display of offers extended by Merchants to HDFC Bank's Customers

offers.smartbuy.hdfcbank.com

 

[Riya]

I have compiled a cashback comparison of the credit cards I currently possess. This comparison was inspired by the discussions in the CM threads. I kindly request you to review it and provide feedback if there are any errors. Additionally, I would appreciate any suggestions on areas where I might have overlooked potential benefits for specific cards.

Cool compilation... Grt job

 

[Gaara]

HDFC BizMoney Back will let you buy Amazon Pay vouchers via SmartBuy + Gyftr at net 2% OFF (there is a 2.5% + GST upfront surcharge and a 5% subsequent cashback) which can in turn be used for Insurance, IRCTC and even Utilities payments (though for Utilities you have one of the best cards in the form of Axis ACE).

For Flipkart, Myntra, BigBasket, Swiggy/Zomato there is no surcharge and thus you can get them at 5% OFF using the same route as above.

Deals

SmartBuy is a platform only for display of offers extended by Merchants to HDFC Bank's Customers

offers.smartbuy.hdfcbank.com

If you are interested in Tata Neu Coins instead of the cashback (I see no reason why anyone would do this) refer to this table -

Deals

SmartBuy is a platform only for display of offers extended by Merchants to HDFC Bank's Customers

offers.smartbuy.hdfcbank.com

Thank you for the suggestion; I will explore it. 🙌🌟

 

[plastikman]

Where is your Amex card ? It is great for minting AGVs.

 

[Gaara]

Where is your Amex card ? It is great for minting AGVs.

I love cashbacks, I don’t travel much, and I don’t understand how those Amex work and airmiles. 💰✈️🤔

 

[plastikman]

I love cashbacks, I don’t travel much, and I don’t understand how those Amex work and airmiles. 💰✈️🤔

You can redeem 18k Amex MR points as a Rs 7000 Amazon pay voucher. It makes the cashback near 7% on spends made using Amazon pay balance.

 

[taskmaster]

You can redeem 18k Amex MR points as a Rs 7000 Amazon pay voucher. It makes the cashback near 7% on spends made using Amazon pay balance.

But you're considering FYF returns as well. You also have to pay a yearly fee for not hitting the milestone.

 

[plastikman]

But you're considering FYF returns as well. You also have to pay a yearly fee for not hitting the milestone.

What about from 2nd year onwards ?

 

[taskmaster]

What about from 2nd year onwards ?

From 2nd year onwards the return won't be 7% if you're not hitting the 1.5L milestone for fee waiver, right?

 

[plastikman]

From 2nd year onwards the return won't be 7% if you're not hitting the 1.5L milestone for fee waiver, right?

If you hit 90k, then 50% rebate.

 

[taskmaster]

If you hit 90k, then 50% rebate.

Yeah, but if you just complete the 1500×4 milestone you wont hit it.

 

[plastikman]

Yeah, but if you just complete the 1500×4 milestone you wont hit it.

Even if you subtract 1500 from the 7k voucher, won't the rewards still be higher than the usual cb cards ? Especially is someone uses the Amazon Pay.

Can you show your calculations ?

 

[taskmaster]

Even if you subtract 1500 from the 7k voucher, won't the rewards still be higher than the usual cb cards ? Especially is someone uses the Amazon Pay.

Can you show your calculations ?

I didnt do my own calculations, but it was mentioned in the MRCC review in this forum only.

 

[raghu.rokda]

I have compiled a cashback comparison of the credit cards I currently possess. This comparison was inspired by the discussions in the CM threads. I kindly request you to review it and provide feedback if there are any errors. Additionally, I would appreciate any suggestions on areas where I might have overlooked potential benefits for specific cards.

Monika ji
Aapne bahut mehnat ki hai
I appreciate your effort