Regalia or SBI Cashback for an iPad Purchase

[jiffyspace]

Very new to this so apologies if this is a noob question.

I was planning to buy an iPad (30K on Amazon) but was wondering if I should buy it with my Regalia Card that gives me a meager 800 RP (which at best is Rs 400 🥲) OR buy it with the no nonsense SBI Cashback card that gives me 5% (₹1,500) cash back. I am sure I won't be able to reach the milestone benefit of Regalia.

(Continuing to keep the Regalia because it's LTF and been holding it since 2016. However the credit limit remains around 2.25L)

 

[rp0703]

Very new to this so apologies if this is a noob question.

I was planning to buy an iPad (30K on Amazon) but was wondering if I should buy it with my Regalia Card that gives me a meager 800 RP (which at best is Rs 400 🥲) OR buy it with the no nonsense SBI Cashback card that gives me 5% (₹1,500) cash back. I am sure I won't be able to reach the milestone benefit of Regalia.

(Continuing to keep the Regalia because it's LTF and been holding it since 2016. However the credit limit remains around 2.25L)

Better Buy Amazon Gift cards with SBI Gift Card and then buy. You'll get amazon gift cards at minimum 2% discount. Total benefit would be around 7%.

 

[paresh22]

If your milestone reach is near the amount after iPad purchase then go for it. If you think you cannot achieve milestone even after purchasing iPad and any other more purchase then SBI Cashback is good.
But I will suggest SBI Cashback is good with 5% cashback.

 

[paresh22]

Better Buy Amazon Gift cards with SBI Gift Card and then buy. You'll get amazon gift cards at minimum 2% discount. Total benefit would be around 7%.

I think 30k gift card purchase need to be managed. Purchase gift cards from different options like Amazon, gyftr etc.

 

[rp0703]

I think 30k gift card purchase need to be managed. Purchase gift cards from different options like Amazon, gyftr etc.

Yes. Also Buy from different amazon accounts.

 

[colorful_slate]

Better Buy Amazon Gift cards with SBI Gift Card and then buy. You'll get amazon gift cards at minimum 2% discount. Total benefit would be around 7%.

from where will we get an amazon gift card on discount?

 

[Venky]

I checked the SmartBuy portal for you assuming the 30k iPad was the 9th gen 64GB variant and through smartbuy you get a ₹3000 instant discount and 5X reward points on your spending on Apple products. Do check it out on smartbuy

Instant discount it valid on both EMI and full swipe transactions.

 

[rp0703]

from where will we get an amazon gift card on discount?

Gyftr. Sometimes amazon itself gives some cashback on purchase of Gift vouchers.

 

[bugmenot]

Buy Amazon shopping voucher from gyftr (https://www.gyftr.com/sbiyono/brands/amazon-shopping-voucher-gift-vouchers). 5K voucher is available and you can buy max 20K vouchers. You will get 4% + 5%.

Gyftr also has croma/reliance digital/vija sales vouchers with 2/4/3% discount. go for these if price is less than amazon, which is rare though. https://www.gyftr.com/sbiyono/category/mobile-electronics


If you pay your bill using HDFC Bill pay + platinum dc, you will get another 1%.

 

[jiffyspace]

I checked the SmartBuy portal for you assuming the 30k iPad was the 9th gen 64GB variant and through smartbuy you get a ₹3000 instant discount and 5X reward points on your spending on Apple products. Do check it out on smartbuy

Instant discount it valid on both EMI and full swipe transactions.

Thank you for sharing this! I made a purchase through this. Not sure what 5x reward points mean though — ~800*5 = ~4000? Or is there a cap per day?

 

[Venky]

Thank you for sharing this! I made a purchase through this. Not sure what 5x reward points mean though — ~800*5 = ~4000? Or is there a cap per day?

There is a max cap of 2000 points per day for Regalia i think and a monthly cap of 4000 reward points when using Smartbuy. But the main part is the 3000 instant discount. The 5x is just a bonus. I think you can get a value of upto ₹0.50 if you redeem these for hotels & travel (not sure)

 

[Deleted member 5552]

Which website offers 2% discount for Amazon gift cards?

Better Buy Amazon Gift cards with SBI Gift Card and then buy. You'll get amazon gift cards at minimum 2% discount. Total benefit would be around 7%.

 

[WhoU]

I checked the SmartBuy portal for you assuming the 30k iPad was the 9th gen 64GB variant and through smartbuy you get a ₹3000 instant discount and 5X reward points on your spending on Apple products. Do check it out on smartbuy

Instant discount it valid on both EMI and full swipe transactions.

Where do we see this?

 

[Venky]

Where do we see this?

Sorry? I don’t understand.

 

[WhoU]

Sorry? I don’t understand.

How do we get 3k instant discount on apple products?

 

[rp0703]

Which website offers 2% discount for Amazon gift cards?

Gyftr

 

[Rahul Gupta]

Which website offers 2% discount for Amazon gift cards?

sbi gyftr

 

[arnalghosh88]

buy amazon shopping voucher at 3% discount on magicpin and get 5%cb on sbi cashback cc. No chance of card blocking as well.

 

[Venky]

How do we get 3k instant discount on apple products?

Via SmartBuy. During check out it shows the eligible discount and offers.

 

[Deleted member 5552]

Gyftr

That is shopping voucher. Not gift card. I think shopping voucher is only for shopping. I checked and found 0% discount on Amazon gift card