Need advice for Offline transactions

[mail_amity]

Knowledgeable folks,
I have the below portfolio of cards. Infinia is my primary instrument, but I have already achieved 10L spends on it, which was required for fee reversal. Hence I now want to use an alternative card to direct my -offline- spending.
Which card can provide the most value?

Primary Card:
HDFC Infinia - FYF - Mostly used for Smartbuy and offline transactions (I have hit the 10L target for fee reversal)

Cards for milestones:
Amex Plat Travel - FYF - 4L milestone achieved
AMEX Gold - Paid - Only for monthly 1k rewards - achieved (planning to surrender it)
AMEX Membership Rewards - LTF - for monthly 1k rewards - achieved

Lounge Access:
(Apart from Infinia)
AU Bank Zenith - LTF - For bank offers and lounge access
HDFC Marriott Bonvoy - Paid - Mariott benefits only

Utilities
Axis Airtel - FYF - Exclusively for Axis Bill and Electricity bill only

UPI
HDFC Tata Neu Rupay Select - FYF - UPI only

Online Shopping:
I use gyftr vouchers from smartbuy wherever applicable.
SBI cashback - FYF - All online shopping where I cannot utilize Smartbuy vouchers

Fuel:
SC Titanium - paid - for fuel only

Others:
Citibank Rewards - LTF - For bank offers only.
Axis Select - LTF (Burgundy) - spend-based PP renewal
Axis Atlas ( Soon will add this card as getting LTF salary offer)
HSBC Platinum - LTF - Bank Offers only
ICICI Sapphiro - LTF - Bank offers and BMS BOGO
ICICI Coral Rupay - LTF -For bank offers only
ICICI Coral VISA - LTF - For bank offers only
IDFC First Wealth - LTF - Bank offers and Lounge access.
One Card - LTF - For bank offers only
SBI SimplyClick - paid - For bank offers only

 

[drsel]

Atlas for offline 4.00--6.33% return on all spends except wallet load, fuel.

 

[drsel]

Take the paid Atlas card, it is better than free.
5900 fee gives you 10000 airmiles

 

[credit_debit]

One of my friends recently got Atlas LTF based on CitiBank salary account, but he received 5000 welcome points after first transaction. So please confirm. You may be lucky to get it LTF with points.

 

[coolguy1]

Atlas is great but there are rumors that it's going to be devalued later this month.

So, I would suggest, wait for a few days or if you can get LTF then it should be a good deal.

 

[helloworld]

Atlas for offline 4.00--6.33% return on all spends except wallet load, fuel.

If we consider,
- Offline spends only (non-excluded categories)
- Estimated spends: 3L
- Considered renewal fee, because need some more time to accumulate miles/points

Atlas:

5900 (Joining Fee) + 5900 (Renewal Fee) = 11800
Benefits: 5000 (Joining) + 2500 (>3L) + 2500 (milestone) = 10000 Miles

Assuming, spend all of them in highest category (not a good way to compare, but for highest available calculation purpose): 7500 Miles

Each Mile = 1Rs. (Obviously we can get more with transfer but that is subject to the person knowledge or value they're giving to that airline or hotel).

Return % = 17500-11800 / 3L ~1.9%

(assuming customer didn't booked revenue flights/hotels, in that case we have to consider effective value like below card)

--------

YES Reserv with Subscription:

2400 (Joining fee) + 4200 (Sub. Fee) + 0 (Renewal Fee, >3L) = 6600
Benefits: 0

Assuming all are offline spends: 54000 Points

Each Point = 0.20p (effective value or discounts)

Return % = 10800-6600 / 3L ~ 1.4%

---------

I'm still looking for the benefits Atlas offered upto 3 or 4L in a year of spends, let me know if anything needs to be adjusted in above calculation to get around 4% with renewal fee and under 3 or 4L, if possible. Do adjust and twist anything here, above are purely for my convenience spends and calculations included.. it can be changed easily.

 

[techt]

@helloworld
IDFC wealth
If I spent 30K online on day 1 (start of new billing cycle) and 5K offline on day2. What will be my rewards ?
6X for 30K + 10X for 5K

 

[TheGuy]

6X for 30K + 10X for 5K

Yes
Provided they are not in exclusion categories.

 

[techt]

Yes
Provided they are not in exclusion categories.

So lets say If I have 30K offline spend and 30K online. It's better I do 30K online first and offline later right ? so I get 6x + 10x instead of 3x + 10x ?

 

[TheGuy]

It's better I do 30K online first and offline later right ? so I get 6x + 10x instead of 3x + 10x ?

Absolutely correct .

 

[PSY]

Take the paid Atlas card, it is better than free.
5900 fee gives you 10000 airmiles

Welcome benefit is 5000 miles only, right?

 

[gg123]

Welcome benefit is 5000 miles only, right?

In terms of partner miles it's 10K

 

[helloworld]

@helloworld
IDFC wealth
If I spent 30K online on day 1 (start of new billing cycle) and 5K offline on day2. What will be my rewards ?
6X for 30K + 10X for 5K

10x reward rate on IDFC Wealth CC applicability

How is 10x applied after 30k? Is is based on transaction or is it based on value. For example, if I make my first transaction of 50k for the month, will that be split into two where I get 6x (online txn) for 30k and 10x for 20k? Or I will get 6x for 50k and any txn henceforth will get 10x?

www.technofino.in

@TheGuy already answered, just incase.

 

[sambit87]

One of my friends recently got Atlas LTF based on CitiBank salary account, but he received 5000 welcome points after first transaction. So please confirm. You may be lucky to get it LTF with points.

Can you please share more details here, i also have Citibank salary account

 

[minhazuddin]

Can you please share more details here, i also have Citibank salary account

Which is now Axis Bank salary account. RIP Citi.

 

[Lobogris]

If we consider,
- Offline spends only (non-excluded categories)
- Estimated spends: 3L
- Considered renewal fee, because need some more time to accumulate miles/points

Atlas:

5900 (Joining Fee) + 5900 (Renewal Fee) = 11800
Benefits: 5000 (Joining) + 2500 (>3L) + 2500 (milestone) = 10000 Miles

Assuming, spend all of them in highest category (not a good way to compare, but for highest available calculation purpose): 7500 Miles

Each Mile = 1Rs. (Obviously we can get more with transfer but that is subject to the person knowledge or value they're giving to that airline or hotel).

Return % = 17500-11800 / 3L ~1.9%

(assuming customer didn't booked revenue flights/hotels, in that case we have to consider effective value like below card)

--------

YES Reserv with Subscription:

2400 (Joining fee) + 4200 (Sub. Fee) + 0 (Renewal Fee, >3L) = 6600
Benefits: 0

Assuming all are offline spends: 54000 Points

Each Point = 0.20p (effective value or discounts)

Return % = 10800-6600 / 3L ~ 1.4%

---------

I'm still looking for the benefits Atlas offered upto 3 or 4L in a year of spends, let me know if anything needs to be adjusted in above calculation to get around 4% with renewal fee and under 3 or 4L, if possible. Do adjust and twist anything here, above are purely for my convenience spends and calculations included.. it can be changed easily.

No. Each Atlas mile is equivalent to 2 partner miles which makes it like 2 Rupees. No one takes the Atlas card if they don't want to transfer miles to partner airlines.