Choosing CC for tax payments

[Sriim]

I have Regalia Gold, Tata neu infinity, Apay ICICI, BOB Energie, Airtel Axis and IndusInd legend, none of which rewards tax payments.

I'm thinking of getting a new credit card for Tax payments. Approx 50-60k tax payment to be made.

My research gave the following options

1. AU LIT - 2% CB rider (-199) + 10X online RP rider (-299, - RP redemption 99) + PG charges - should give approx 1.7%
2. IDFC wealth - 6RP/100 for 30k, 10RP/100 for remaining 20K ~ 3800 RPs - RP redemption - PG charges ~ 0.78%
3. AU Xcite Ace - 3% CB till 25000 - PG charges ~ 0.62%
4. SC smart - 2% CB - 588(renewal fee) - PG charges ~ borderline negative returns
5. AU Xcite Ultra - 1RP/100 for govt spends ~ 500 RPs ( + 500 if done in 1-5th days of month) - RP redemption - PG charges ~ negative returns
6. AU Altura plus - 1RP/100 for govt spends ~ 500 RPs ( + 500 for 20k milestone) - RP redemption - PG charges ~ negative returns

Au lit seems to be the runway winner. But with recent devaluation removing utility, govt spends could be next.

Any cards i missed? Any suggestions?


Thanks in advance

 

[thedator]

Nope ... all biz cards are for biz people. You need current account.

Thanks.

Hmm, so if I open a current a/c that makes me eligible?
What about business credit cards.

Itr is only salary.

Would you know?

 

[SamPtnk]

Can Savings Account holders get this card?

Showing in my normal savings account

Check under Debit card upgrade

Will show something like this

BUSINESS DEBIT CARD

250

BUSINESS DEBIT CARD FOR CURRENT ACCOUNT HOLDERS_5 CASHBACK POINTS ON EVERY RS 100 SPENT ON ALL TAX PAYMENTS_1 CASHBACK POINT ON EVERY RS 100 SPENT ON OTHER SPENDS_TERMS AND CONDITIONS APPLY

 

[Baki]

Showing in my normal savings account

Check under Debit card upgrade

Will show something like this

​

BUSINESS DEBIT CARD

250

BUSINESS DEBIT CARD FOR CURRENT ACCOUNT HOLDERS_5 CASHBACK POINTS ON EVERY RS 100 SPENT ON ALL TAX PAYMENTS_1 CASHBACK POINT ON EVERY RS 100 SPENT ON OTHER SPENDS_TERMS AND CONDITIONS APPLY

Just shows can't get without current

 

[Baki]

Thanks.

Hmm, so if I open a current a/c that makes me eligible?
What about business credit cards.

Itr is only salary.

Would you know?

Just opening current account makes u eligible

 

[SamPtnk]

Just shows can't get without current

Typical hdfc IT team

 

[dfive]

Hdfc business debit card
5% CB on all tax payment

But capped at 750 per month.

 

[techt]

AU Lit stops rewarding govt. txns. So 0 for tax payments.

Discontinuation of Reward Points/Cashback: AU Credit Cardholders will not earn Reward Point/Cashback on the below mentioned spends categories & on BBPS transactions starting 1st April’2024. Please refer to the table below for spends categories and respective Merchant Category Codes. There will be no revision for Zenith+ Credit Card, ixigo AU Credit Card, Aditya Birla Finance AU Pro/Flex/Nxt/Biz Credit Cardholders & they will continue to earn Reward Points on the below mentioned spend categories as per current feature construct.
Merchant Categories Merchant Category Code
Rent 6513
Education & Government 8211, 8220, 8241, 8244, 8249, 8299, 9211, 9222, 9223, 9311,
9399, 9402, 9405, 9950

https://www.aubank.in/tnc-of-cc-revision-of-au-small-finance-bank-credit-card-usage-terms-condition_1st_march_2024.pdf

 

[techt]

Use Atlas, it gives 4% return - PG charges should still be much higher than AU LIT

How Atlas 4% ?

 

[makman]

How Atlas 4% ?

It gives edge miles on this transaction as a well.

 

[ccdc]

Hdfc business debit card
5% CB on all tax payment

do you personally have this business dc?

 

[makman]

It gives edge miles on this transaction as a well.

Now this is not valid anymore post the devaluation

 

[kapendra]

What about SC smart card
Will it give 2% cashback for tax payment/ property tax payment

 

[kapendra]

IDFC WEALTH IS GIVING ONLY ONE RP FOR 150RS FOR TAX PAYMNETJUST CONFIRMED WITH CUSTOMER CARE