Only 1 Card for life time which card you’ll choose

[Lord]

Axis Atlas .

Plat tier ?

 

[Animal]

What reward rate do you get for utilities and offline spends?

Buy APAY vouchers using Infinia and use it for utilities.

 

[imdjay]

The OP is obviously talking about attainable/cards you already have. His own thread started with Axis airtel.

Apne man se jisko jo khayali pulaao pakaane hai pakao.
OP can mean anything. and we readers can understand totally different.

 

[Riya Sharma]

Plat tier ?

No. Everybody gets that much. I am actually in the plat tier yes but the only benefit for plat tier is milestone bonus and renewal benefits. Reward rate for even silver is 7.2

 

[Riya Sharma]

Buy APAY vouchers using Infinia and use it for utilities.

How much would that net you in cashback?

 

[Lord]

No. Everybody gets that much. I am actually in the plat tier yes but the only benefit for plat tier is milestone bonus and renewal benefits. Reward rate for even silver is 7.2

And are there any limits to it?

 

[Riya Sharma]

And are there any limits to it?

Yes. Yearly can only transfer out 30000 edge miles to Accor which equates to 108000 inr. But edge miles are valid for 3 years so you have time. But for other programs that limit is 120000 edge miles.

 

[Animal]

How much would that net you in cashback?

13.55% . .

 

[Riya Sharma]

13.55% . .

how . ?

 

[Trust Me]

HDFC Moneyback CC.

The Bank has decided never to upgrade that in my lifetime. So I've turned that into my advantage by telling my Imperia RM to never bother calling me for anything ever, unless I get a reasonable upgrade.

Since HDFC RMs are known to be absolutely incompetent, I am now all set to live a peaceful life happily ever after, courtesy my Moneyback card!
.

 

[Animal]

how . ?

For 10K APAY voucher, you pay 10295 and get 1650 reward points.

So for 10K, you get net reward points 1650 - 295 = 1355 that turns out to 13.55%.

This is how I calculated.

 

[plastikman]

Sorry , I didn't read centurion.

Wouldn't it be better to hire and retain a full time PA for that amount?

 

[Riya Sharma]

For 10K APAY voucher, you pay 10295 and get 1650 reward points.

So for 10K, you get net reward points 1650 - 295 = 1355 that turns out to 13.55%.

This is how I calculated.

fair and what would you say infinia rewards on flights/hotels?

 

[Animal]

fair and what would you say infinia rewards on flights/hotels?

Flights 5X(16.65%)
Hotels 10X(33.33%)

 

[Riya Sharma]

Flights 5X(16.65%)
Hotels 10X(33.33%)

In this aspect Atlas beats Infinia. As you get 17% on both but you can book from the official sites where prices are cheaper than smartbuy

 

[SSV]

I will choose : HDFC CSC Small Business Moneyback Credit Card
Reasons:
1) Issued by India's NO 1 Bank
2) Very few holders and hence I am in the elite group
3) There will be no chance of Devaluation ....

 

[D₹V]

based on Today’s value, I choose Airtel card, mainly coz of cashback on both food delivery apps & bb groceries. Discount on Airtel connections is bonus for me. Also Axis provides instant discounts during sales like flipkart

P.S: I’m talking about cards in their original state, i mean as is provided by the Bank. Like if it comes with Annual fee, you have to consider annual fees, you must not say if some “X” card comes as “LTF” then i’ll choose.

1. Millennia 😘, greatest card ever & combines almost all categories.

2. Infinia (if I get in future)

 

[stoptomove]

Good Fortune card for me

 

[SSV]

Good Fortune card for me

 

[stoptomove]

Thanks for this ltf card! Its the only one i needed