Jump to content

Credit Card - Help & Recommendations


El Tigre Chino
 Share

Recommended Posts

3 hours ago, SuperT said:

Add Lenskart to the list of platforms that don't accept DC but accept Amex. At this rate I will never be able to accumulate spends on DC :wallbash:

Amex is gonna start accepting new applications by July-end/Aug-start.

The arsenal will be complete then.

  • Like 1
Link to comment
Share on other sites

1 hour ago, LordSpymaster said:

Amazon made Amex remove themselves from Amex's reward multiplier platform. Was an easy way to get 2x RPs on a decent sized Amazon purchase.

Actually Amazon pulled out of all of the affiliate programs. HDFC, Amex, Axis. Twitter has been very buzzy because HDFC had 5x/3x multiplier for Amazon but people were exploiting it by paying commercial bills in 8 figures.

  • Sad 1
Link to comment
Share on other sites

On 6/30/2022 at 2:55 PM, SuperT said:

Agreed. My chemist who we buy from regularly gives a 10-15% discount every time depending on the amount. 2-3% will not pinch him. 

3 percent is a lot when you just have to pay for payment processing.

Link to comment
Share on other sites

On 6/30/2022 at 2:35 PM, KunjanPSD said:

Anywhere between 2.5-3.5%, although you can expect even 2.2%.

Visa and MC generally quote 1.5-2.5, haven't seen many instances where it was above 1.5% during my tenure.

 

 

Visa and mc can go as low as 1.2 percent too..amex are too anal.about their margins

Link to comment
Share on other sites

10 hours ago, Madmage said:

3 percent is a lot when you just have to pay for payment processing.

I started using the Apollo pharmacy because they accept amex but since the time the local guy has started accepting amex I have shifted back to him. Honestly, in the long run its beneficial for them to keep all the options available. I think it is better to pay the 2.5-3% payment charges rather than lose a customer.

Link to comment
Share on other sites

I happen to have multiple cards, let me sum them up for you.

 

Amex : Good reward catalogue, garbage acceptance offline.

Onecard : Looks extremely premium, reward catalogue is okayish but you can pay from points, its lifetime free

ICICI Amazon : Lifetime free, 3% for non prime & 5% for prime members

SBI FBB : Garbage, want to cancel it

Axis Flipkart Card : Hard to get, excellent cashback on Flipkart (5% no cap) and Myntra & 1.5% on all offline purchases

Zomatio Edition Card : Invite only (I guess?), 5% cashback on all food purchases &1 or 1.5% on rest spends (Great if you eat out a lot), combine this with zomato pro plus and you'll save a ton of cash

 

Hope this helps

Link to comment
Share on other sites

Looking to get a SBI CC over the 90% of FD criteria. Does the SBI CC work on international websites with or w/o otp? and would it work for xbox gamepass here? Thanks!

Link to comment
Share on other sites

16 minutes ago, sjx said:

Looking to get a SBI CC over the 90% of FD criteria. Does the SBI CC work on international websites with or w/o otp? and would it work for xbox gamepass here? Thanks!

With otp. Should work for gamepass (i used it before new rbi mandates.)

Link to comment
Share on other sites

On 6/21/2022 at 8:03 AM, LordSpymaster said:

I'm thinking of upgrading my ICICI Rubyx, and I guess Sapphiro is the next one. Since I use ICICI's cards for max stuff, might get it. My Rubyx's limit is anyways around 7L....

Got the Sapphiro as a LTF. Plan to close my Rubyx now.

Link to comment
Share on other sites

2 hours ago, LordSpymaster said:

Got the Sapphiro as a LTF. Plan to close my Rubyx now.

How did you get Sapphiro as a LTF? Was it offered?

Link to comment
Share on other sites

16 minutes ago, abhi90 said:

How did you get Sapphiro as a LTF? Was it offered?

Nope. I went and asked. Initially they refused, but then said they have tie ups with some companies to offer this as a LTF. Mine was on that list. Plus my Rubyx was a LTF as well. 

Link to comment
Share on other sites

17 minutes ago, LordSpymaster said:

Nope. I went and asked. Initially they refused, but then said they have tie ups with some companies to offer this as a LTF. Mine was on that list. Plus my Rubyx was a LTF as well. 

Oh! Did you ask on the tollfree?

Link to comment
Share on other sites

Hotel bookings on Smartbuy are a good deal.

Booked a night and got 13% RR on Regalia. For DCB and Infinia, it would be around 33%.

Citi PM to Prestige trick would have landed around 7% RR.

 

Obviously, on other spends like Flights, Electronics, Citi will win out or if you go pass the daily bonus RP limit on Smartbuy but for this use case, nice deal.

Link to comment
Share on other sites

I had gone and asked for an upgrade on my Diner's to DCB. The branch manager said I should get a call back from the CC person. HDFC also sent me an email saying I have some upgrade available, but that page never loads lol. 

Planning to press them for this if I can get it as LTF (My existing Diner's is LTF via the college alumni scheme). 

Link to comment
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Restore formatting

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

 Share

  • Recently Browsing   0 members

    No registered users viewing this page.

×
×
  • Create New...