https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10081133
Nice post VU+ to reach many
Cards giving over 5% cb or rewards in spends
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I am just collating cards that attract more than 5% return on spends. Some cards give over 5% on specific categories.
Direct Offers -
1. HSBC CB Card - 10% - Groceries
2. SBI BPCL Octane - 6.25% - Fuel
3. HSBC CB Card - 10% - Dining
4. Airtel Axis - 25% - Airtel Recharges
5. Airtel Axis - 10% - Utility
6. Airtel Axis, HSBC CB Card - 10% - Food delivery(Zomato/Swiggy)
Using GV -
1. Bigbasket - 13% - SBI CB/AZ GV/Tata Nue
2. Indian Oil - 7%+ - SBI CB/Park+
Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
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https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10081138
One card and hsbc card 10% ? Where & how?
https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10081681
https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10081169
Afaik more than 10% cb on groceries is not one card feature, it's occasional offer
Correct me i m wrong
https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10081235
So only Hongkong and Shangai corporation giving more than 10% directly 
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https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10081219
For Grocery On Bigbasket.
With Sbi Cashback Card , Buy Amazon Gift Card - 5% Cashback.
Buy Bigbasket Gift Card At 3% Discount On Amazon Using Apay Gift Card Balance.
Purchase Groceries On Bigbasket Via Tataneu App - 5% Neu Coins.
Total Savings 13%
https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10081277
Bpcl ocatane - 6.25% is inclusive of petrol charge right, so actual benifit is less, correct me if it is wrong.
https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10081291
Yes i think so too
kindly anyone with BPCL octane Confirm it
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https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10081309
And another method
Hdfc millennia cc, if u buy asv via hdfc sb 5% + 1%
And if u spend 1L in 1 quarter, addtional 1%
Use this asv to buy bb egv in az
+ for shopping via tata neu : 5% neucoins
Already ss undernation shared
And if u ve higher card than millennia, you can save upto 16% around on asv
https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10081340
For myntra
Sc digi smart cc
20% instant discount
Afaik this d highest nd best offer card
If there is any other card or method,which gives more return, pls me know
https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10081506
Myntra has lot of discounts for vouchers i think so that basically makes this card not that needed
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https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10082190
Very nice thread. I love such discussions.
Btw Standard Chartered DigiSmart issuance is long stopped, right? So those whose card expires, they will get some other card?
Does any of you from this thread have this card besides @nihaln ?
https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10082259
buddy I don't have sc digismart, I am just adding whatever is discussed here. I didn't even know they stopped digismart. I checked and I see there is no apply option for this card in sc website.
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https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10082300
Among the fuel cards, SBI BPCL Octane does have a high reward rate but when it comes to fuel cards, it's really IMHO about which petrol pump people visit. Many petrol pumps are too far and some have corrupt/chor people who cheat with quantity when filling the vehicle, or too crowded all the time, so I think people may have a preference between HPCL, IOCL and BPCL, depending on proximity and overall experience of the bank/card's consistency in giving rewards on fuel + how good the petrol pump is.
I suggest reading this article I once came across: https://creditcardz.in/best-fuel-credit-cards-i... on Best Fuel Credit Cards in India
https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10082304
for me i usually go for Shell petrol bunks
as a matter of fact NO CO BRANDED SHELL CARD i found in credit cards
Which is the main reason i never tried to apply SBI BPCL Octane as i dont use BPCL, i mostly use shell most of the time
only offer i find for shell petrol bunk is CRED UPI
https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10082308
Axis ACE - 5% CB on utility payments.
Amazon ICICI - 5% Amazon Pay Balance on Amazon Shopping
Axis Flipkart - 5% cashback on Flipkart shopping, reroute to Flipkart via Grabdeal before purchase to get 5% more.
HDFC Tata NEU Infinity - 1.5% Neucoin CB on UPI payments.
https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10082513
hdfc imperia/dcb cc holders, i heard gift cards are at 16.5%, Please confirm.
https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10082567
Hdfc infinia gives 5x or 10x via smartbuy.
so things like Pharmeasy / IGP and hotels via smartbuy has 33% rewards. Amazon / flipkart / Myntra / bigbasket etc vouchers are 16.6% off.
DCB also is rewarding.
Hdfc millennia DC gives 10% on smartbuy too.
Read more: https://offers.smartbuy.hdfcbank.com/offer_deta...
https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10084090
@DEEPANGEORGE looking for statement credit ...
https://www.desidime.com/discussions/credit-car...
Check this thread for @Seinfeld comment,
that guy said sc titanium value cc has statement credit option
If u need more details ask him
https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10084095
I guess u r asking for fuel cc, which has statement credit option , that's why tagged you
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https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10084288
Which is better Axis Ace, Axis Airtel or Flipkart? Can I get 2 Axis cards?
https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10084303
You can easily get upto 3 axis cards after which 4 and 5 are possible too but rarely
Axis Ace better for offline and online if your goal is reward of 1.5%
Axis Airtel is good for Bill payment
Flipkart keep it if your purchase a lot in flipkart I personally dont purchase lot of things from Scam(flip)cart
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https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10089885
How to get Amazon gift card at 5% off using cashback card
https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10090510
Please add these cards. Amex mrcc card 1500x4 gives 6.66% amex gold card 1000x4 gives 8.5% .
https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10090516
Could you please explain in detail how 8.5% ?
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https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10094646
Thinking to apply CC. Any best suggestions for me? I do online shopping, groceries, outlets swipe, food outles and restaurants
https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10100120
hmm welcome to the CC world
now the challange is you are asking lots xD
each things you asked needs one dedicated credit card:) thats how the hunt starts:)
no single card is all rounder:) just you need to apply more cards ,
1) for the time being since you are new to CC, better take hmm SBI SimplySAVE as you do outlets swipe on foods and restaurants
2) for online shopping you need SBI Cashback card
(if you need referral or guidance DM me)
https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10103791
HDFC SWIGGY - 10% cashback across Swiggy
https://www.desidime.com/discussions/cards-giving-over-5-cb-or-rewards-in-spends?page=1#post_10109769
Updated list
Direct Offers -
1. HSBC CB Card - 10% - Groceries
2. SBI BPCL Octane - 6.25% - Fuel
3. HSBC CB Card - 10% - Dining
4. Airtel Axis - 25% - Airtel Recharges
5. Airtel Axis - 10% - Utility
6. Airtel Axis, HSBC CB Card - 10% - Food delivery(Zomato/Swiggy)
7. Swiggy HDFC Bank Card - 10% - Swiggy
8. Myntra Kotak Card - 7.5% - Myntra
Using GV -
1. Bigbasket - 15% - SBI CB/Park+ GV/Tata Nue
2. Indian Oil - 7%+ - SBI CB/Park+ GV
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For Grocery On Bigbasket.
With Sbi Cashback Card , Buy Amazon Gift Card - 5% Cashback.
Buy Bigbasket Gift Card At 3% Discount On Amazon Using Apay Gift Card Balance.
Purchase Groceries On Bigbasket Via Tataneu App - 5% Neu Coins.
Total Savings 13%
What if not pinelabs pos machine? And some other machines available
With PineLabs POS :
- Every time I got Fuel Surcharge waiver & Reward Points accurately (experienced with 3 different BPCL Petrol Pumps in my city)
- Reward Points redemption process was very easy, with mobile number (linked with card) & OTP, no redemption charges.
PS: Don't redeem reward points for BPCL Voucher as Petrol Pump guys may not accept it easily (so confirm if they accept BPCL Voucher beforehand).
PineLabs POS is must for points redemption & BPCL voucher redemption for SBI CC.
With HDFC POS :
- I got Reward Points accurately & surprisingly no fuel surcharge was charged (so no GST charged & no surcharge waived) (1 time experience, it was outstation).
With SBI POS :
- I didn't get Reward Points & Fuel Surcharge waiver. I had to send mail with receipt to get both.
The worst thing happened when I used this card on non BPCL outlet. I got no reward points & no fuel surcharge waiver but fuel surcharge & GST was charged (obviously).
Make sure BPCL Fuel pump is listed in SBI BPCL Fuel pump's list.