Your spend strategy?

[magnusfan]

Does it show RPs in the statement? I clearly remember them not excluding rent payments. Which platform do you use?

I did my first rent txn in Payzapp, 🤞for statement generation next week

April statement screenshot - see 2nd transaction..1670 reward points on 50k redgiraffee transaction 🙂

 

[nayra]

April statement screenshot - see 2nd transaction..1670 reward points on 50k redgiraffee transaction 🙂

View attachment 99875

Which app is this? SPayNBBPS?
Payzapp shows up as Non BBPS

 

[m4b]

SBI CB: APay vouchers
Plat Travel: Till 4L
Big big spends+dining+TravelEdge: m4b
This year, I am cutting down on spending

 

[magnusfan]

Which app is this? SPayNBBPS?
Payzapp shows up as Non BBPS

Registered RedGiraffe as biller in net banking and auto pay initiated

 

[Abhi21]

To pay rent is there any possibility to pay directly to the owner's account.. As I don't have a rental agreement as such.

 

[magnusfan]

To pay rent is there any possibility to pay directly to the owner's account.. As I don't have a rental agreement as such.

You don't take tax benefits kya? Better to draft a rental agreement yourself - redgiraffee helps!

 

[Abhi21]

You don't take tax benefits kya? Better to draft a rental agreement yourself - redgiraffee helps!

I do.. Oh ok then let me create an ID in red giraffe

 

[PainX]

Does m4b give points for insurance transactions....not via apay vouchers but payment directly via insurance company website ....my insurance provider doesn't support payment via apay.

No points on insurance payments.

 

[cardio_guycardio_guy is verified member.]

Nice topic. In credit card world, a best strategy means to obtain the best returns out of existing cards and use hidden/unknown/less popular ways of extracting the best possible returns - like double dipping, tripple dipping, voucher with voucher, milestone games, reward multiplier games and so many such things.
Strategy needs some planning, little bit advance knowledge about spends, card offers etc.
Personally my strategy is not the best of all. I can't call it a strategy itself. Just normal spends as and when needed.

HDFC Tata Neu Infinity: For everything.
- Insurance, utilities, mobile recharge etc: 5%
- Bigbasket grocery: 10%
- Offline swipes, UPI, other online payments etc: 1.5%
- Fuel: UPI scan (0%, no surcharge, no rewards)

HDFC Swiggy: Only for Swiggy 10% spends (Instamart and Dineout),

ICICI Amazon Pay: Only for Amazon spends or sometimes flights and hotels (5%)

ICICI Sapphiro: Only for B1G1 movie tickets on BMS

Federal Celesta and Indusind Tiger: Only for free lounge access

 

[Abhi21]

SBI Simplyclick - offers alone
SBI Cashback - 5% wherever possible 😂
Closed tata neu (used for all) for core HDFC card - > got millennia
Millennia - for vouchers apay
Atlas -
Go to card as of now
Lounge access
Flights bookings
RBL - offers
IDFC Select upgrade offer to mayura just now
If I take Mayura
Hotel spends will be here
BMS offer
Rent pay (need to learn though)
HDFC business platinum debit card - GST payment
HDFC debit card - 25% off in BMS upto 250

Indusind - closed.

Need to get back tata neu for insurance and groceries..
Searching for perfect card for these as of now
I need help in rent pay guys.. In red giraffe can I upload the rental document without landlord knowing?
Or any direct transfer to bank?
I am transferring him via NEFT but after so many years he ain't ready for rental agreement.. Keeps on pushing..
If this can be done then I will take the mayura upgrade offer.