Festive offer 10% off with AUbank CC

[shsinha]

Received SMS from Au bank that
"Dear Customer, SALE starts at midnight! Get 10% Cashback on mobiles, electronics & apparels on Flipkart & Amazon with AU Credit Card. Validity: 7th - 12th Oct'23. Know more https://m.aubk.in/AJqwadi0BMi
- AU Bank"

 

[WhoU]

Seems to targeted offer. I didn’t get such message. Also better to use other banks card if you have for instant discount instead of cashback.

 

[shsinha]

Received SMS from Au bank that
"Dear Customer, SALE starts at midnight! Get 10% Cashback on mobiles, electronics & apparels on Flipkart & Amazon with AU Credit Card. Validity: 7th - 12th Oct'23. Know more https://m.aubk.in/AJqwadi0BMi
- AU Bank"

Details are here.. https://offers.aubank.in/offers/off...be&utm_medium=waba&utm_campaign=cc_azfk_06oct

 

[shsinha]

10% (upto 1500) cash back + 5% on electronics (1000 Rs max) + 2.5% RP can get you 15-17.5% valueback ... Could be better than 10% instant discount

 

[rsivva]

10% (upto 1500) cash back + 5% on electronics (1000 Rs max) + 2.5% RP can get you 15-17.5% valueback ... Could be better than 10% instant discount

Will this work?

 

[shsinha]

Will this work?

I was talking about LIT card. Terms and conditions says this...

 

[Random123]

I was talking about LIT card. Terms and conditions says this...

Can you please let me know if you are aware in what category amazon would come under for LIT ?

 

[thegame]

I was talking about LIT card. Terms and conditions says this...

Correct..

If you are going to spend 15-20k for the whole month with AU LIT card on the offer mentioned categories in Amazon/FK then its better to use LIT card with features ON as without the features, it will be direct 1500 off on 15k so overall 10% reward rate for 15k spends, also switching ON the features has the feature charges like 299+GST for 90 days for 5% upto 1000 on electronics etc but gives more reward rate.

Also 10x RP is now 2% as now 1RP is 0.2Rs devalued from 0.25Rs earlier, so 10x = 2Rs

So if you are switching ON the below features which would be 353 for 90 days each for
1)milestone 2) 5% electronics 3) 10% RPs for online

so overall 1059 for 90days.. so if you are buying 15k mobile then it will be 1500Rs festive CB offer + 500Rs milestone (5% on above 7.5k spends) + 300Rs for 10x spends + 750Rs for 5% electronics

Total CB = Rs 3050 - Rs 1059 (for features) = Rs 1991~ 13.27% overall for 15k spends for one month, if you spend 10k for 2nd and 3rd month on 5% electronics, you can have the final reward rate as 12.5% overall for 3 months

 

[Random123]

So if you are switching ON the below features which would be 353 for 90 days each for
1)milestone 2) 5% electronics 3) 10% RPs for online

Thanks for sharing the details. Would any purchase in amazon come under electronics category ?

 

[rsivva]

Purchasing mobile from Amazon will come under electronics category?

 

[thegame]

Thanks for sharing the details. Would any purchase in amazon come under electronics category ?

according to the offer T&Cs yes.. and also 5% off electronics upto 1000

Applicable Categories: Mobile Phones, Electronics, Household Appliances, Furniture & Apparels

https://offers.aubank.in/offers/offer-details/ba08b671-77e6-4cd9-aae1-a435e1480934/generic/cashback-deligh?utm_source=adobe&utm_medium=waba&utm_campaign=cc_azfk_06oct

 

[thegame]

Purchasing mobile from Amazon will come under electronics category?

according to the offer T&Cs yes...

Applicable Categories: Mobile Phones, Electronics, Household Appliances, Furniture & Apparels
https://offers.aubank.in/offers/off...be&utm_medium=waba&utm_campaign=cc_azfk_06oct

 

[ronakshah]

Just a note that 10% upto 1500 cashback will be credited in 60 days.

 

[Random123]

according to the offer T&Cs yes.. and also 5% off electronics upto 1000

Applicable Categories: Mobile Phones, Electronics, Household Appliances, Furniture & Apparels

https://offers.aubank.in/offers/offer-details/ba08b671-77e6-4cd9-aae1-a435e1480934/generic/cashback-deligh?utm_source=adobe&utm_medium=waba&utm_campaign=cc_azfk_06oct

Thanks. Sorry for not clear but what I was asking is if any transaction on amazon would could for this / category milestone ?
Like if we buy gold coin, will that be counted for this offer and also get tagged for electronics milestone ?

 

[phronimos]

Thanks. Sorry for not clear but what I was asking is if any transaction on amazon would could for this / category milestone ?
Like if we buy gold coin, will that be counted for this offer and also get tagged for electronics milestone ?

No all transactions are not eligible. Visa mcc reported by Amazon will decide cashback as given in T and C.

 

[thegame]

Thanks. Sorry for not clear but what I was asking is if any transaction on amazon would could for this / category milestone ?
Like if we buy gold coin, will that be counted for this offer and also get tagged for electronics milestone ?

as mentioned by @phronimos it depends on MCC tagged and 5% is off on electronics so don't think it will work on gold coin or GC purchases in Amazon/FK/Croma etc..

You are eligible for:
• Additional 5% cashback for travel, dining, grocery, electronics, & apparel expenses in addition to 1 Reward Point per INR 100 spent

https://www.aubank.in/personal-banking/credit-cards/lit-credit-card/features

 

[Random123]

Thanks @phronimos and @thegame for the response. So does amazon generally send different MCC based on category ? Sorry for the basic question but thought atleast shopping on amazon would be tagged in same mcc.

 

[thegame]

Thanks @phronimos and @thegame for the response. So does amazon generally send different MCC based on category ? Sorry for the basic question but thought atleast shopping on amazon would be tagged in same mcc.

yes.. also you can try with a small amount to confirm at your end as 5% off reflects in 2-3 days time in the app so if there is no tagging of Amazon transactions under 5% electronics CB category after 2-3 days or max 5 days then for sure it means that category is not eligible like bill payments/GCs etc

 

[Random123]

yes.. also you can try with a small amount to confirm at your end as 5% off reflects in 2-3 days time in the app so if there is no tagging of Amazon transactions under 5% electronics CB category after 2-3 days or max 5 days then for sure it means that category is not eligible like bill payments/GCs etc

Thanks for the suggestion. Just one last query - recently bought gold coin in amazon using sbi card - found it is tagged under grocery using Ila. Amazon pay India Priva www.amazon.in IN is the merchant name. The MCC would be same irrespective of the cc right ?

 

[thegame]

Thanks for the suggestion. Just one last query - recently bought gold coin in amazon using sbi card - found it is tagged under grocery using Ila. Amazon pay India Priva www.amazon.in IN is the merchant name. The MCC would be same irrespective of the cc right ?

The MCC would be same irrespective of the cc right ? -- this I guess depends on the provider i.e. AMEX/Visa/Mastercard etc as they may have different codes for the same merchant but at bank wise should be same i.e. Axis VISA and SBI VISA but would request others to share their feedback..