Payzapp + Red Girraffe MCC Patched

[Virgo]

Payzapp has corrected the MCC for rent transactions done on Red Girraffe. I did a transaction yesterday and the merchant name is reflected as PZRENT. The transaction got settled today and Axis has charged a 1% rent surcharge + GST as well. So it’s no longer reflected as a utility transaction

 

[Anurag]

Hdfc charges from 2nd trx. No charges for 1st rent tranx

Thanks for the reply, but i wanted to wether i can pay through payzapp wallet balance or not. I mean first i will add money into wallet through credit card then gonna pay through wallet

 

[sourpai]

Thanks for the reply, but i wanted to wether i can pay through payzapp wallet balance or not. I mean first i will add money into wallet through credit card then gonna pay through wallet

Yes you can do that. Did it recently

 

[sm9811911]

Thanks for the reply, but i wanted to wether i can pay through payzapp wallet balance or not. I mean first i will add money into wallet through credit card then gonna pay through wallet

You can do it

 

[Arpi]

Yes you can do that. Did it recently

Is there any limit to how much we can add?

 

[sm9811911]

Is there any limit to how much we can add?

Yes. There is daily, monthly, annual limits. Search the forum for the exact amounts. Think its 25k daily and 50k monthly

 

[sourpai]

Yes. There is daily, monthly, annual limits. Search the forum for the exact amounts. Think its 25k daily and 50k monthly

Ohh is it? I was able to add more than 25K couple of days back

 

[rohitnsync]

No reward points by Infinia on PazApp wallet load correct?

 

[sourpai]

No reward points by Infinia on PazApp wallet load correct?

No.. You will need cards that give reward points on wallet loads

 

[sid16]

No reward points by Infinia on PazApp wallet load correct?

I believe IDFC Wealth will do the trick for wallet load. Amex I think not supported on PayZapp.

 

[Anurag]

You can do it

Thanks for making it clear, this way we can avoid the rent fee charged by bank.

 

[JSFinance]

Thanks for making it clear, this way we can avoid the rent fee charged by bank.

Yes card rent fee is avoided but there are very less reward point or milestone benefits. Few cards give 1% cashback or sbi vistara prime give milestone benefit but you will pay redgiraffe around 0.49% fees. You need to see if remaining rewards or vistara flights are worth your efforts or not !!

There is axis atlas which gives you reward points on rent pay (not on wallet load) but charges 1%+gst and no milestone benefits. But here as well you need to see if you will need miles. If yes, then this is better card when you convert your miles.

Then there is standard chartered ultimate which gives 3.3% rewards on wallet load but those rewards are redeemable on their catalog only, which doesn’t make sense now as they have removed most of the good flights/hotels/shopping vouchers. I closed it already.

 

[sid16]

Yes card rent fee is avoided but there are very less reward point or milestone benefits. Few cards give 1% cashback or sbi vistara prime give milestone benefit but you will pay redgiraffe around 0.49% fees. You need to see if remaining rewards or vistara flights are worth your efforts or not !!

There is axis atlas which gives you reward points on rent pay (not on wallet load) but charges 1%+gst and no milestone benefits. But here as well you need to see if you will need miles. If yes, then this is better card when you convert your miles.

Then there is standard chartered ultimate which gives 3.3% rewards on wallet load but those rewards are redeemable on their catalog only, which doesn’t make sense now as they have removed most of the good flights/hotels/shopping vouchers. I closed it already.

What about IDFC Wealth? For high spenders, it is equivalent to 2.5% rewards. No fees.

 

[Anurag]

Yes card rent fee is avoided but there are very less reward point or milestone benefits. Few cards give 1% cashback or sbi vistara prime give milestone benefit but you will pay redgiraffe around 0.49% fees. You need to see if remaining rewards or vistara flights are worth your efforts or not !!

There is axis atlas which gives you reward points on rent pay (not on wallet load) but charges 1%+gst and no milestone benefits. But here as well you need to see if you will need miles. If yes, then this is better card when you convert your miles.

Then there is standard chartered ultimate which gives 3.3% rewards on wallet load but those rewards are redeemable on their catalog only, which doesn’t make sense now as they have removed most of the good flights/hotels/shopping vouchers. I closed it already.

Thanks a lot for elaborating and giving time for it:⁠-⁠)
Actually i dont have much cards, so i m not focusing on rewards right now.
Avoiding the rent fee and milestone will be reward for for me as of now 😅

 

[sourpai]

What about IDFC Wealth? For high spenders, it is equivalent to 2.5% rewards. No fees.

Yes it is good to use, but do consider reward rate as 1.83% for 45K monthly spends, 2% for 60K spends, 2.1% for 75K and so on, unless you are using IDFC wealth for 30K on categories where other better cards cannot be used such as tax payments

 

[sid16]

Yes it is good to use, but do consider reward rate as 1.83% for 45K monthly spends, 2% for 60K spends, 2.1% for 75K and so on, unless you are using IDFC wealth for 30K on categories where other better cards cannot be used such as tax payments

Exactly, since I have large spends of that category, for me any further online use of IDFC Wealth card is a 2.5% return scenario. For anyway doing below 30k, it is a 1.5% scenario. However, 1.5% returns for NO upfront fees is also quite good. This return is available to use on immediate basis.

 

[JSFinance]

What about IDFC Wealth? For high spenders, it is equivalent to 2.5% rewards. No fees.

I didn’t know this !! I will check this card too !!

Update: just checked, I am not eligible for this card. I am getting select card only. Is there any way to get wealth credit card ? @sid16

 

[sousnake]

I didn’t know this !! I will check this card too !!

Update: just checked, I am not eligible for this card. I am getting select card only. Is there any way to get wealth credit card ? @sid16

Apply with higher credit limit card (>6L) & enter your salary as 3-4L per month.

 

[JSFinance]

Apply with higher credit limit card (>6L) & enter your salary as 3-4L per month.

Thanks I will give it a try again !!

 

[sid16]

I didn’t know this !! I will check this card too !!

Update: just checked, I am not eligible for this card. I am getting select card only. Is there any way to get wealth credit card ? @sid16

During application they had asked me current card, I had mentioned DCB and they had given me Wealth card. You can also try what @sousnake mentioned.

 

[lucifer1728]

What about IDFC Wealth? For high spenders, it is equivalent to 2.5% rewards. No fees.

Payzapp wallet addition through IDFC cards mostly declines everytime. It's likely that this merchant is blocked by idfc.