AXIS ace vs SBI Simplyclick

demerius2020 wrote:

Go to bank
Through your non-platinum rupay card
Say it is junk
Get rupay platinum

Will try, thanks!

I have both now,
SBI Simplyclick online is close to 3.25%(1.25% for online + 2% cleartrip voucher) if not using cleartrip voucher and selling it off at a discount it would come to approx 2.75% (1.25% for online + 1.5% cleartrip voucher selling 2000 voucher for 1500 will have buyers) which is higher than ace(2%).
ACE is primarily offline use, i didnt find any card giving more than 2% for offline purcahse on entry-level cards. and once I reach 2L milestone with simplyclick and receiving 2×2000 cleartrip vouchers, I move the online purchases to axis ace as well as I have to hit 2L annual spends on axis ace for waiving off the annual fees.

Fanil wrote:

Yes, that is true. A few of my friends have cards but they didn’t use it. 2 months ago I taught them and they saved 1000 each easily per month.

Buddy how does it work?

Fanil wrote:

It comes as a message to registered number automatically in the month next to the completion of milestone

Thanks, found one from message.

nihaln wrote:

Buddy how does it work?

First go to axis grab website.. they select shop and the partner you want to shop with( Amazon, flipkart etc..)
You have cashback rates as per the categories visible. Based on that select the merchant it will redirect to the website/app. Make sure that the cart is empty. Add the items you need to buy and pay with axis card

good_virus wrote:

Thanks, found one from message.

If you completed the 2L milestone last month or so, you’ll get it this month mostly

Fanil wrote:

First go to axis grab website.. they select shop and the partner you want to shop with( Amazon, flipkart etc..)
You have cashback rates as per the categories visible. Based on that select the merchant it will redirect to the website/app. Make sure that the cart is empty. Add the items you need to buy and pay with axis card

What is percentage for amazon?

demerius2020 wrote:

What is percentage for amazon?

Upto 7% I think.. last when I saw.. it’s different for different categories and can be checked at grabs website

Fanil wrote:

Upto 7% I think.. last when I saw.. it’s different for different categories and can be checked at grabs website

You must have checked yourself?

demerius2020 wrote:

You must have checked yourself?

I checked 2 months ago as I don’t hold any axis cards..

Fanil wrote:

I checked 2 months ago as I don’t hold any axis cards..

you were correct its 10% for grocery (fresh i suupose now) much higher then amazon icici 5%

good_virus wrote:

They are the biggest cheaters.
They charged me annual fee even after spending 2 lakhs on card.
h2. on complaining got this response.

_Annual Fee: We wish to apprise you the annual fee billed to your card account is a basic product price which covers only a portion of the cost incurred by us in maintaining your card account. _

_We wish to inform you that annual fee of Rs.499 plus GST (Applicable Taxes) is applicable for your card account. _

_We regret to inform you that we are unable to reverse any amount towards the annual membership fee on your SBI card account. _

We wish to inform you that as per our records, a waiver of the annual fee on your SBI card account was applicable only in case there was a usage for more than Rs.1.00.0000 in an year on your SBI card account.

Escalated to Next level and got this.

This is with reference to your request regarding annual fee Rs. 499 plus GST reversal on your SBI Credit card.

We have reversed the charges of Annual Fee Rs. 499 plus applicable taxes as a services gesture and same will reflect in your next statement.

We also thank you for your patience and interim cooperation with us.

Annual fee: As you are aware, annual fee was levied on your card account post receipt of your consent, duly signed, along with your SBI card application. While we do understand your concerns reversal of annual fee on your card account.

Please appreciate that annual fee billed to your card account is a basic product price which covers only a portion of the cost incurred by us in maintaining your card account.

However, as per features of the product, we are glad to offer waiver of the renewal fee every year in case total annual spends on your card for the previous year are Rs.100,000 or more for all the eligible customer.

Instead of admitting their mistake they are showing off like doing some favor to me.

SBI has always charged me the yearly fees every time even though total usage was 3-4 times their threshold. But difference is that they credit it back next month.

Fanil wrote:

Yes, that is true. A few of my friends have cards but they didn’t use it. 2 months ago I taught them and they saved 1000 each easily per month.

Is it similar to HDFC Smartbuy?

mango-man wrote:

Is it similar to HDFC Smartbuy?

Yes but it’s not fixed cashback.. it’s different for different categories

demerius2020 wrote:

this is not joke i tell you joke

i usually dont talk to SBI customer care joker as they are dumb .. just ask them the difference between billed and unbilled txn and they cry like babies

so i send them mail and CC the customer care head
Asked those as-wholes “can the credit lmit from one card be trasnferred to another sbi card ?”, before anything the customercarehead gave the email reply -“No !,for that you have to close the card”. and on same day later the customercare executive gave email reply “it has been sucessfully done” .. what a bunch of jokers having no sync withiin themselves, that too on email with written email from official email

another of their joke is if you spent some amt on a website for the first time ,, immediately your card is blocked “suspecting suspicious txn” and a call is come , in case your mobile is silence or switch off at night which is when we get time for shopping online , u wud be struck till morning at the mercy of SBI CC guy who will speak like self-pity old guy ki “system block the card only when you have done something suspicious”

but they are NOT cheaters only fools

i was asking for SBI prime in begining they refused, now they are offering me upgrade when i am happy with simplyclick , also their unwritten rule is they dont give simplyclick and simplysave together as they consider it same card.. so i asked them to give simplysave as addon card to simplyclick as the same card wud be given as addon, now they tell no it is different

also if you question them more they will either hung up on you or will escape door like ki sir you are using inappropiate language, wtf??

only ola 7% and simplyclick 1.25% is good rest ALL SBI card up down and center is junk material

update: as i didnt paid attention to their SBI prime card offer , they now are giving me ’pre approved ’ sbi elite,, this is SBI elite-sit

but they wont give me simplysave bcoz i hold simplyclick already and they beleive some sit

Do we get 2%cb on Axis ACE, if we pay rents using cred/nobroker/payzapp Or NPS?

Edit: yes from other thread

Fanil wrote:

Simply click have fee waiver at 1L vs Ace at 2L
Amazon cashback on simply click is 2.5% where as 2% for Ace
2k Cleartrip Voucher on spends of 1L & 2L each vs no milestone benefit for Ace

Advantages of Ace
5% cashback on all gpay transactions
2% cashback on all others transactions. Simply click wins at Amazon but sucks at other merchants
Lounge access on Ace card vs no lounge access on simply click.

Ideally if you spend only 2L per year, simply click is a better option only due to 4k Cleartrip Voucher else Ace is what you shall look for

Simply click doesn’t have lounge access??

demerius2020 wrote:

but they wont give me simplysave bcoz i hold simplyclick already and they beleive some sit

I continuously get offer for SimplySave, SimplyClick, Prime every month
Right now its Simplysave and prime offer displayed, SMS also rcvd; any ways I am not interested in any of these 2 cards
I hold SimplyClick already