rushab oswal Posted March 31 Report Share Posted March 31 3 hours ago, SuperT said: If you like to travel once in a while why not go for something like Axis Magnus/Infinia/Amex Plat Travel ? You can checkout Axis Ace for cashback. Dont have spends to justify magnus infina and no amex in my area. Axis ace works on android only(5% utility) and im on ios Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted March 31 Report Share Posted March 31 3 hours ago, R1shabh said: I have a 42K Medical expense monthly. I am currently paying via UPI but pressurising merchant to allow me to pay via HDFC DCB CC so that I can roll the money more effectively and get some rewards points. DCB offers 5 rewards points for every 150 rs, Is there any other card in market which I can target? Asking @KunjanPSD and other specifically. The merchant is resisting with 2% charges, I gave him an earful with RBI's link. Have to buy from him (only reseller), any other "innovative" way to solve this? I can still recover 1% from rewards points as such. 2% is obnoxious and if the merchant accepts CC then she/he is not supposed to charge extra for it, obviously it doesn't pan out in reality. Try to haggle and get it to 1%. You can get Magnus (4.8% RR in terms of airmiles with 1 Mile = 1Re assumption). But then again, you have to decide if airmiles makes sense for you or not. Otherwise DCB gets you 1Re/point on smartbuy bookings. Ask the merchant about the MCC code, if it is not one of the exclusions in SBI cashback then you can use that instead. Quote Link to comment Share on other sites More sharing options...
R1shabh Posted April 1 Report Share Posted April 1 16 hours ago, KunjanPSD said: 2% is obnoxious and if the merchant accepts CC then she/he is not supposed to charge extra for it, obviously it doesn't pan out in reality. Try to haggle and get it to 1%. You can get Magnus (4.8% RR in terms of airmiles with 1 Mile = 1Re assumption). But then again, you have to decide if airmiles makes sense for you or not. Otherwise DCB gets you 1Re/point on smartbuy bookings. Ask the merchant about the MCC code, if it is not one of the exclusions in SBI cashback then you can use that instead. Ok thanks. I will look up MCC. Was also thinking about getting a RuPay card. Heard we can make transactions to UPI without a charge using it. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted April 1 Report Share Posted April 1 17 minutes ago, R1shabh said: Ok thanks. I will look up MCC. Was also thinking about getting a RuPay card. Heard we can make transactions to UPI without a charge using it. Reward points are capped in this case. Do check the TnC. 1 Quote Link to comment Share on other sites More sharing options...
North Posted April 1 Report Share Posted April 1 (edited) On 3/21/2023 at 8:03 PM, b!T said: I am kind of irritated with Niyo. Got a debit card couple of weeks ago for my trip next month and they stopped all international transactions citing an RBI rule. Now have to get the credit card but I think it's limit is capped at the FD amount you put. I used it internationally in Singapore and Vietnam in the last 6 month period and it was fantastic but international transactions is the only utility for me personally. I just noticed they've been stopped completely - was trying to make a transaction right now. Whats the new solution? Either the credit card or the Fi card, but I think there is a caveat with either option right? Edited April 1 by North Quote Link to comment Share on other sites More sharing options...
b!T Posted April 2 Report Share Posted April 2 16 hours ago, North said: I used it internationally in Singapore and Vietnam in the last 6 month period and it was fantastic but international transactions is the only utility for me personally. I just noticed they've been stopped completely - was trying to make a transaction right now. Whats the new solution? Either the credit card or the Fi card, but I think there is a caveat with either option right? I honestly haven't figured out what's the alternative. Fi Plus plans are one alternative or get the Niyo credit card with a lakh FD so you have a decent limit of a Lakh to work with. 1 Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted April 2 Report Share Posted April 2 3 hours ago, b!T said: I honestly haven't figured out what's the alternative. Fi Plus plans are one alternative or get the Niyo credit card with a lakh FD so you have a decent limit of a Lakh to work with. 10k or 50k MAB accounts on Fi give zero forex. Honestly, not a bad deal. 1 Quote Link to comment Share on other sites More sharing options...
Shantz Posted April 3 Report Share Posted April 3 There are better alternatives than the zero forex cards. Even a LTF IDFC Wealth card will give you a few 0.xx% back after the forex fees. And many other cards will make even more. And no issue of having to load the card/block cash etc. And better dispute handling/loss protection which is even more important for foreign transactions. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted April 3 Report Share Posted April 3 3 hours ago, Shantz said: There are better alternatives than the zero forex cards. Even a LTF IDFC Wealth card will give you a few 0.xx% back after the forex fees. And many other cards will make even more. And no issue of having to load the card/block cash etc. And better dispute handling/loss protection which is even more important for foreign transactions. True. A paid decent CC can get you much more. Obviously mileage varies. Quote Link to comment Share on other sites More sharing options...
LordSpymaster Posted April 4 Report Share Posted April 4 What's the best LTF card available right now for an income range of say 10-15L? Looking at Axis, SBI or HDFC only, with SBI preferred. Expected annual spend is around 2L max. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted April 5 Report Share Posted April 5 Axis adds Aeroplan, JAL, Qantas, Accor!!!! Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted April 6 Report Share Posted April 6 On 4/3/2023 at 6:29 PM, Shantz said: There are better alternatives than the zero forex cards. Even a LTF IDFC Wealth card will give you a few 0.xx% back after the forex fees. And many other cards will make even more. And no issue of having to load the card/block cash etc. And better dispute handling/loss protection which is even more important for foreign transactions. sbi cashback gives a flat 1.2% after the forex fees (online transactions only) using it on linode currently Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted April 6 Report Share Posted April 6 On 4/4/2023 at 7:11 PM, LordSpymaster said: What's the best LTF card available right now for an income range of say 10-15L? Looking at Axis, SBI or HDFC only, with SBI preferred. Expected annual spend is around 2L max. Depends on where your most spends will be? Quote Link to comment Share on other sites More sharing options...
SuperT Posted April 6 Report Share Posted April 6 On 4/3/2023 at 6:29 PM, Shantz said: There are better alternatives than the zero forex cards. Even a LTF IDFC Wealth card will give you a few 0.xx% back after the forex fees. And many other cards will make even more. And no issue of having to load the card/block cash etc. And better dispute handling/loss protection which is even more important for foreign transactions. HDFC Infinia/DCB/Regalia had a Global Value Program I don't know if is still active these days. One had to enroll for it and pay R.s 100/200 I think and there was a welcome bonus and 1% cashback on international transactions both online/offline. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted April 6 Report Share Posted April 6 7 minutes ago, SuperT said: HDFC Infinia/DCB/Regalia had a Global Value Program I don't know if is still active these days. One had to enroll for it and pay R.s 100/200 I think and there was a welcome bonus and 1% cashback on international transactions both online/offline. Still available. 300+GST a year, 1% extra cashback upto 1000/month i.e. 1L spends a month. 1 Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted April 6 Report Share Posted April 6 14 minutes ago, rushab oswal said: sbi cashback gives a flat 1.2% after the forex fees (online transactions only) using it on linode currently Cashback card has 3.5% markup + GST, total markup = 4.13% 5% cashback, net = 0.87% You won't get cashback on markup + GST and if you are getting it, I wonder how long it will last. Quote Link to comment Share on other sites More sharing options...
LordSpymaster Posted April 6 Report Share Posted April 6 51 minutes ago, rushab oswal said: Depends on where your most spends will be? Mostly shopping via ecommerce, some food apps. Nothing much, just basic regular stuff. Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted April 6 Report Share Posted April 6 4 hours ago, LordSpymaster said: Mostly shopping via ecommerce, some food apps. Nothing much, just basic regular stuff. If your spends or not crossing 1l per month , cashback card easily, sadly no LTF. Quote Link to comment Share on other sites More sharing options...
b!T Posted April 15 Report Share Posted April 15 Zomato edition cards are getting discontinued. Need to close it. It's useless except for Zomato. Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted April 15 Report Share Posted April 15 Gone. Quote Link to comment Share on other sites More sharing options...
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