SC Ultimate Vs Magnus Vs Infinia - GV Redemption

[Dai]

As the title mentions, if a person who wants only GV redemptions or once in a year travel which card is better
Redemptions options

SCU - Vistara/Marriot/Taj (1:1)
Magnus - Vistara/Marriot/Taj (5:4)
Infinia - flights/hotels (1:1)

which card is better (magnus + SCU or Infinia + SCU or Magnus + infinia)

 

[FinGuru]

No brainer. Magnus > Infinia > SCB Ultimate. Esp for travel, hotels & F&B.

If you can get infinia LTF or if you have spending power, get Infinia + Magnus.

 

[PiperatGatesofDawn]

Earning rate + Redemption rate matters to give you the final rate. Eg: Magnus it's 6% earning x 80% redemption giving final rate of 4.8%.

For instance with Magnus for everything except Marriott it's 4.8%. Magnus doesn't transfer to Taj AFAIR. Infinia gives 3.3% or 1.65% depending on your transfer partner. I don't anything about SC Ultimate - which would tell you that it's absolute crap for travel redemption.

So just on standard rewards you have your answer. Magnus has additionally huge earning accelerators if you can take advantage of that.

Also keep in mind flexibility. If you don't travel much strait jacketing yourself to a small set of partners is risky. Eg. I saw this in a recent post here - someone wanted to travel by UK to Leh or somewhere similar and UK wasn't selling miles tickets on that route. UA was on UK metal. So if you have flexibility in your partners it's hugely beneficial.

 

[Dai]

@keepyourshirton @PiperatGatesofDawn - I dont travel much & looking for GV redemptions mostly..still magnus is better ?

 

[FinGuru]

@keepyourshirton @PiperatGatesofDawn - I dont travel much & looking for GV redemptions mostly..still magnus is better ?

If you can spend 1 lac every month you will get ~Rs. 6000 GV on Magnus. Otherwise, SCB ultimate.

 

[PiperatGatesofDawn]

@keepyourshirton @PiperatGatesofDawn - I dont travel much & looking for GV redemptions mostly..still magnus is better ?

Your first post was all about travel! 🫤🫤

GV redemptions is awful value on any card. I think it is Rs. 0.20 for Magnus. There are probably far better and cheaper cards available for GV redemptions.

 

[saurabhduasd]

Problem with SC Ultimate is GV redemption does not includes Amazon GV , it sparingly comes on goes on redemption site .
For GV as well , Magnus > Infinia > SC ultimate

 

[WhoU]

Instead of gv redemption cards, look into cashback cards. You can easily cover annual fee waiver and get 5% cashback which will be better than any gv redemption value.