List of SBI Cashback alternatives

[Joltpost]

Ok I took advice from a user named helloworld and I'm making this thread to get suggestions for alternatives of SBI Cashback credit card.

Assuming I can never get this SBI Cashback card, what other credit cards are decent alternatives to SBI Cashback that credits the cashback in the card statement? My spends are mostly online, utility and most cases international spends(and no I don't mind about the forex fee).

Utilities : 10k
Shopping : 5-7k(its mainly games that I buy from steam and international)

Already have the HSBC Live+ to cover up my food spends.

 

[HumorSimpson]

For international spending, it's advisable to use Zero Forex cards for better rates and convenience.

Utility Payment Methods (Ranked by Maximum Rewards)

Method 1: Combo

• Cards: Jupiter CSB Edge+ Rupay Credit Card + HDFC PhonePe Ultimo Rupay Credit Card
• Rewards:
  - Edge+ offers 10% cashback up to 500 INR on Amazon.
  - Purchase AGVs (Amazon Gift Vouchers) and use them to pay utility bills.
  - HDFC Ultimo also provides 10% cashback up to 1,000 INR, but due to some inconvenience fees, the effective cashback is around 8-9%.
  - Assuming maximum monthly bills of 10,000 INR, the effective cashback is approximately (10 + 8 or 9) / 2, resulting in 9-9.5%.
• Fees: Both cards are Lifetime Free (LTF). Although the Edge+ has a joining fee, it is offset by referral and welcome bonuses. The HDFC Ultimo has no joining fee and can easily be converted to LTF by emailing customer service.

Method 2

• Card: HDFC PhonePe Ultimo Rupay Credit Card
• Rewards: Offers 10% cashback up to 1,000 INR, with effective cashback around 8-9% due to some inconvenience fees.
• Fees: The HDFC Ultimo has no joining fee and can be converted to LTF by emailing customer service.

Method 3

• Card: HDFC Millenia
• Rewards: Provides 5% cashback up to 1,000 INR per billing month on Amazon, Flipkart, and Myntra cumulatively. Purchase AGVs of 10,000 INR and use them to pay bills via Amazon Wallet for effective cashback of 5%.
• Fees: The fee waiver for HDFC Millenia is 1Lakh INR spent per annum, which is easily achievable.