SuperT Posted August 7 Report Share Posted August 7 (edited) 6 minutes ago, kaka_messi said: Guys which credit card is better- HDFC Dinner club or Infinia? I refer a part that is like an all rounder as I usually pick SBI cashback/amazon ICICI for online shopping unless HDFC is offering better discount. I currently dont have a card that is helpful for flight tickets, point conversion etc. Infinia is the better card. Dinner Club has very bad acceptance specially in Tier 2 or Tier 3 cities. International acceptance is abysmal to say the least. Also, the rewards capping is better on Infinia. After the major devaluations by Axis Infinia is arguably the best card in the market. Edited August 7 by SuperT 1 Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted August 7 Report Share Posted August 7 Guys I wanted to check if you can get amazon pay gift cards with 5% Back any other way on axis cards than Wohoo. (Wohoo has a 5000 monthly limit, my expenses range from 10,000 - 15000) Also is there any such other portal for ICICI Bank? My dad has ICICI and Axis Cards only , and was denied SBI Cashback card. Hence this are the only two options. @KunjanPSD @SuperT @dante77 @b!T @Root Quote Link to comment Share on other sites More sharing options...
Root Posted August 7 Report Share Posted August 7 3 hours ago, rushab oswal said: Guys I wanted to check if you can get amazon pay gift cards with 5% Back any other way on axis cards than Wohoo. (Wohoo has a 5000 monthly limit, my expenses range from 10,000 - 15000) Also is there any such other portal for ICICI Bank? My dad has ICICI and Axis Cards only , and was denied SBI Cashback card. Hence this are the only two options. @KunjanPSD @SuperT @dante77 @b!T @Root Why not use gyftr portal of Axis? Though it wont give you cashback but reward points. If you aim to buy vouchers for cheap then you can check some trading sites. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted August 7 Report Share Posted August 7 Just now, Root said: Why not use gyftr portal of Axis? Though it wont give you cashback but reward points. If you aim to buy vouchers for cheap then you can check some trading sites. I don't think he will get anywhere close to 5% by going on Gift Edge. Best option is to get another card or trade. Quote Link to comment Share on other sites More sharing options...
Root Posted August 10 Report Share Posted August 10 (edited) American Express Trifecta Card: AMEX Membership Rewards Credit Card 4 x Rs. 1500 - 1000 Bonus Points Rs. 20,000 Spends in a Month - 1000 Bonus Points So, for spending Rs. 20,000 a month spaced in minimum 4 Transaction of Rs. 1000 minimum, you get 2400 MR Points (Including regular points) or 1200 Miles which is 6 Airmiles per Rs. 100 spent. Annually, it translates to 14,400 Miles. Any spending above Rs. 20,000 a month, you get only 1 Airmile per Rs. 100. Fees: Direct 1st year Fees - ₹ 1,000 2nd year onwards - ₹ 4,500 Welcome bonus - 4,000 MR points on spending ₹15,000 within 90 days Referral 1st year fees - ₹ 0 2nd year onwards - ₹ 1,500 Welcome bonus - 2,000 MR points on spending ₹5,000 within 90 days AMEX Platinum Travel Credit Card Spend 4 Lacs and get 48,000 to 64,000 MR Points (40,000 Milestone Bonuses, 8000 Regular Points & Any applicable Reward Multiplier Points). That's 24,000 to 32,000 Miles which translates to 6 to 8 Miles per Rs. 100. Any spending above Rs. 4 Lac in a year, you get only 1 Airmile per Rs. 100 on normal spends or 3 Miles per Rs. 100 on Reward Multiplier Fees: Direct 1st year Fees - ₹3,500 2nd year onwards - ₹5,000 Welcome bonus of 10,000 MR points on spending ₹15,000 within 90 days Referral 1st year fees - ₹ 0 2nd year onwards - ₹5,000 Welcome bonus of 2,000 MR points on spending ₹5,000 within 90 days AMEX Gold Charge Card 6 x Rs. 1000 - 1000 Bonus Points Pro Tip - Do all these 6 x Rs. 1000 transactions on Reward Multiplier. So, for doing 6 transaction of Rs. 1000 minimum on Reward Multiplier you get 1600 MR Points or 800 Airmiles which is 13.3 Miles per Rs. 100. Annually, it translates to 9,600 Miles. Any spending above Rs. 6000 a month, you get only 1 Airmile per Rs. 100 on normal spends or 5 Miles per Rs. 100 on Reward Multiplier. Fees: Direct 1st year Fees - ₹ 1,000 2nd year onwards - ₹4,500 Welcome bonus - 4,000 MR points on spending ₹10,000 within 90 days Referral 1st year fees - ₹ 1,000 2nd year onwards - ₹4,500 Welcome bonus - 6,000 MR points on spending ₹10,000 within 90 days All this combined comes to 48,000 to 56,000 Miles in a year for spends of Rs. 7.12 Lac. ~6.7 Miles per Rs. 100 Source: Twitter/forums Please feel free to ping me for referral link. Disclaimer: Each successful referral get me 8k MR Edited August 10 by Root disclaimer 1 Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted August 10 Report Share Posted August 10 Just to make it transparent, every successful referral earns the referrer 8k MR points. These can be modestly valued at 4k INR (can get better value). Twitter is full of people offering referrals + 500-1000 Amazon Pay voucher as well since they are getting a kick back. If anyone wants one, then they can go with someone they know (to make them get the benefit of referral) or can go on Twitter to get extra coupon as well. 1 Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted August 10 Report Share Posted August 10 @Bird Bird Bird Has Amex as well and can provide referrals. Maybe throw in a small lego as well. 2 Quote Link to comment Share on other sites More sharing options...
SuperT Posted August 10 Report Share Posted August 10 I have Amex too let me know if anyone wants a referral. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted August 10 Report Share Posted August 10 3 minutes ago, SuperT said: I have Amex too let me know if anyone wants a referral. Still deciding if I want one, looking at Plat Travel. Can do 25k Apay every month and possibly hit 4L in a year but wanting to see what Axis does with Burgundy and Magnus+. Amex referral will always come again. Quote Link to comment Share on other sites More sharing options...
SuperT Posted August 10 Report Share Posted August 10 2 minutes ago, KunjanPSD said: Still deciding if I want one, looking at Plat Travel. Can do 25k Apay every month and possibly hit 4L in a year but wanting to see what Axis does with Burgundy and Magnus+. Amex referral will always come again. I have used Axis Plat Trav. and MRCC together to get max. benefits. If you like Taj Properties then it works out very well, there is also Marriot Bonvoy that sometimes has offers like 50% bonus on transfer from Amex which also works out really well. The customer exp. team is *chefs kiss* and go out of the way to make things happen, in the past 7 years of using Amex I have never paid the renewal for MRCC and for Plat Travel they either discount it by 50% or give generous bonus points to renew. You just need to be persistent with the executives and they mostly oblige. 1 Quote Link to comment Share on other sites More sharing options...
Root Posted August 10 Report Share Posted August 10 30 minutes ago, KunjanPSD said: Still deciding if I want one, looking at Plat Travel. Can do 25k Apay every month and possibly hit 4L in a year but wanting to see what Axis does with Burgundy and Magnus+. Amex referral will always come again. I used to use PT only for my high value spends (college fees and insurance via apay) that too after completing magnus milestone. This helps achieve 4L Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted August 10 Report Share Posted August 10 Arre AMEX referrel yahan bhi shuru ? Twitter deja vu. I haven't ever shared my referral link. Kisi ko meri virginity tudwani hai to DM/PM. Quote Link to comment Share on other sites More sharing options...
abhi90 Posted August 10 Report Share Posted August 10 1 minute ago, Bird Bird Bird said: Arre AMEX referrel yahan bhi shuru ? Twitter deja vu. I haven't ever shared my referral link. Kisi ko meri virginity tudwani hai to DM/PM. Kitne Lego sets for each referral de rahe Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted August 10 Report Share Posted August 10 Just now, abhi90 said: Kitne Lego sets for each referral de rahe You'll get my love. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted August 10 Report Share Posted August 10 2 minutes ago, Bird Bird Bird said: Arre AMEX referrel yahan bhi shuru ? Twitter deja vu. I haven't ever shared my referral link. Kisi ko meri virginity tudwani hai to DM/PM. Which lego set you can offer? 1 Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted August 10 Report Share Posted August 10 21 minutes ago, Root said: I used to use PT only for my high value spends (college fees and insurance via apay) that too after completing magnus milestone. This helps achieve 4L I know, I can easily do 25k APay a month and do 3L and the rest 1L could be miscellaneous but I am not a Marriot person so I prefer airmiles more and hence if I can get 10% from Magnus+ on Apay, that would be enough for me with Infinia. MB is good for deals like the recent Masai Mara for 90k/5D stay. Still deciding. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted August 10 Report Share Posted August 10 GE points credited till July. Transferred. Will miss Magnus. Quote Link to comment Share on other sites More sharing options...
LordSpymaster Posted August 10 Report Share Posted August 10 We talking about the Amex MRCC now? I just used that to book a Taj property for 22k at 8k (14K Taj voucher for 24k points.) Probably the best card I have up to spends of 20K monthly. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted August 10 Report Share Posted August 10 7 minutes ago, LordSpymaster said: We talking about the Amex MRCC now? I just used that to book a Taj property for 22k at 8k (14K Taj voucher for 24k points.) Probably the best card I have up to spends of 20K monthly. Really depends on the type of spends (normal or accelerated). If someone has access to Infinia or Magnus+Burgundy, they can get better. Quote Link to comment Share on other sites More sharing options...
LordSpymaster Posted August 10 Report Share Posted August 10 Yeah, but for a free card (low fee), it's pretty good. Quote Link to comment Share on other sites More sharing options...
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