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Credit Card - Help & Recommendations


El Tigre Chino
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How to earn points from Credit Card bill payment? I don't wanna use something like Cred simply because they generate bill after a month and I like to mostly pay in 3-4 days max.

But I want em shiny points. ICICI doesn't give any point but they their bill generation is next day and paying from them is a breeze default_smile.png

Also, My SBI credit card mentioned that I'll get 500 Rs. Amazon voucher once I pay their annual fee. It has been two months and I never got any voucher from sbi card. Checked my mail and nothing was there. Anyone else got Amazon card from sbi card?

I dont think one can earn points from credit card bill payment.
Cred is meh these days, but even pennies are good is what I feel. You can still get the most from cred, by splitting the payments. That way you get more from cred for the payment.

I have been a life long user of citi and hdfc. Infinia was my goal. I had regalia for years. I used most of my spends on the hdfc card.

Citi just small spends. And amazon I had icici card for amazon. Which I used to swap btw regalia and icici depending on the offer.

I believe you have the entry level click and go or something like that card from sbi. I would recommend you to move to Amex once RBI gives clearance for them to issue cards. That sbi card I dont think is a good one. You can get better rewards on those axis card. Which offer decent rewards than sbi.

For premium card choose hdfc and amex and work on moving up the cards with them than any other would be my say. No one can beat amex for the customer service is what people say.


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I dont think one can earn points from credit card bill payment.
Cred is meh these days, but even pennies are good is what I feel. You can still get the most from cred, by splitting the payments. That way you get more from cred for the payment.

I have been a life long user of citi and hdfc. Infinia was my goal. I had regalia for years. I used most of my spends on the hdfc card.

Citi just small spends. And amazon I had icici card for amazon. Which I used to swap btw regalia and icici depending on the offer.

I believe you have the entry level click and go or something like that card from sbi. I would recommend you to move to Amex once RBI gives clearance for them to issue cards. That sbi card I dont think is a good one. You can get better rewards on those axis card. Which offer decent rewards than sbi.

For premium card choose hdfc and amex and work on moving up the cards with them than any other would be my say. No one can beat amex for the customer service is what people say.


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Thanks. That clears a lot of things up :)
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44 minutes ago, hannibal09 said:

True. This is my third year holding Amex platinum charge card and I have always got more than twice the value against annual fee. 

 

Will be great if you can put some details here. I'm on the verge of cancelling my AMEX Plat Res card. 

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Thanks. That clears a lot of things up default_smile.png

It will be a bit of a grind game for a few years to get the premium cards. But once you lay your hands, it will start to pay off.


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2 hours ago, dante77 said:

How to earn points from Credit Card bill payment? I don't wanna use something like Cred simply because they generate bill after a month and I like to mostly pay in 3-4 days max.

But I want em shiny points. ICICI doesn't give any point but they their bill generation is next day and paying from them is a breeze :)

Also, My SBI credit card mentioned that I'll get 500 Rs. Amazon voucher once I pay their annual fee. It has been two months and I never got any voucher from sbi card. Checked my mail and nothing was there. Anyone else got Amazon card from sbi card?

You can earn cash back by using debit card to make payment of credit card. HDFC millennia & HDFC platinum debit card are good option on this. You can use mobikwik for making payment. 

 

Dump ICICI as their reward system is crap. Shift to Amex, HDFC or Citi. 

 

Check on SBI dashboard for voucher. If not there, call customer care. 

1 hour ago, Bird Bird Bird said:

 

Will be great if you can put some details here. I'm on the verge of cancelling my AMEX Plat Res card. 

 

1 hour ago, KunjanPSD said:

Come on guys, we need a detailed writeup for this.

It going to be very long write up. That's why we doing Clubhouse sessions. Speaking is quicker than writing. You may join session where many other more experienced than me are there. 

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You can earn points without any out of pocket expense using technique manufactured spending. I did booked return flight for my family to Singapore from points earned using this technique and upgrade to business with miles. 


Could you explain what does manufactured spending mean?


Its the points game.
You cant do much with the basic cards.
You need to work your way for the premium card to do the travel and stuff as the rewards are more interms of the reward points earned and the conversion value of the points.
Travel I can only think of two cards, Amex Platinum which is like 60k a year as fee. Dont get shocked by the fees. People who own that card, get way more perks than for what they pay. & Infinia is like 10k a year as fee. It has pretty good accelerated rewards(33%) for every 100rs also extra accelerated rewards from time to time.

What cards do you own?


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I own a ICICI Amazon card and HDFC Regalia. Pretty basic cards. I get like 300-400 back from that Amazon card. And like 500Rs Amazon voucher once a quarter from HDFC.


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I own a ICICI Amazon card and HDFC Regalia. Pretty basic cards. I get like 300-400 back from that Amazon card. And like 500Rs Amazon voucher once a quarter from HDFC.


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Focus on getting an upgrade on the regalia to Infina, do not opt for dinners if they provide you. You would be eligible for infinia upgrade when you hit 8lakh limit.


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27 minutes ago, Mr.HaPPineSS said:


Focus on getting an upgrade on the regalia to Infina, do not opt for dinners if they provide you. You would be eligible for infinia upgrade when you hit 8lakh limit.


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Why not opt for Diners?

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Why not opt for Diners?

Cause dinners has lesser cap compared to infinia on terms of the accelerated rewards for each month.
Also they do not give back as points the fee unlike infinia which does.


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1 hour ago, i_rock098 said:

 


Could you explain what does manufactured spending mean?

It's like buying some thing which you can encash and transfer money to repay credit card bill. For eg. there were You first card available on amazon, I used to buy 80k cards using Diners back 10x program, giving me 25k worth points. Then I encased these cards in phonepe and transferred money to bank and paid CC bill. So no out of pocket expense and got 25k worth points every month. 

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I have an upgrade from Regalia First to Regalia but only 60% of the points would be carried over. I believe the redemption rate of the points on First is 0.30 and Regalia is 0.50.

 

I'm assuming it works out to be the same but should I redeem the points before the upgrade? Any recommendations?

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1 hour ago, Mr.HaPPineSS said:


Focus on getting an upgrade on the regalia to Infina, do not opt for dinners if they provide you. You would be eligible for infinia upgrade when you hit 8lakh limit.


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i have 11 lakhs limit on my regalia. Not seeing any sign of upgrade from HDFC.

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