Axis Credit cards

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SaveMoney69

Are Axis credit cards which issue reward points instead of cashbacks better ?
Some places I see offers of 10x, 20x, 30x, reward points on txns.
So for a card which gives 5 edge RP per 200 rs spent on normal txns, this means I could get 50, 100, 150 reward points which is effectively 20Rs,40Rs,60Rs respectively in terms of value.
This sounds too good to be true.

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Yes, points based card are better, but not the low variants like Neo or my zone. Privilege is quite good, as it gives 10 points for 200 and there is option for double point value for Myntra vouchers.

5x/10x is usual offers. 20x is special festival offers. And 30x is first time festival offers.

5 points in general is 1 rupees, not 2. Only for privilege card, it can have value of 2 against Myntra Vouchers.

And yes, this is currently one of the best card, assuming axis fulfills as mentioned and offers stay for long.

Hunk Hunk
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Knight11 wrote:

Yes, points based card are better, but not the low variants like Neo or my zone. Privilege is quite good, as it gives 10 points for 200 and there is option for double point value for Myntra vouchers.

5x/10x is usual offers. 20x is special festival offers. And 30x is first time festival offers.

5 points in general is 1 rupees, not 2. Only for privilege card, it can have value of 2 against Myntra Vouchers.

And yes, this is currently one of the best card, assuming axis fulfills as mentioned and offers stay for long.

For amazon and flipkart, how do we get 20x rewards for any credit card?

Its mentioned everywhere on images etc that upto 20x, but when you click link for amazon or flipkart, inside everywhere I see 10x only… Not a single category for 20x on amazon… and for flipkart, right now only percent cashback is showing in that table for credit/debit cards… 5x/10x/any x is not even there…

What am I missing?

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atx88 wrote:

For amazon and flipkart, how do we get 20x rewards for any credit card?

Its mentioned everywhere on images etc that upto 20x, but when you click link for amazon or flipkart, inside everywhere I see 10x only… Not a single category for 20x on amazon… and for flipkart, right now only percent cashback is showing in that table for credit/debit cards… 5x/10x/any x is not even there…

What am I missing?

Amazon is 10x and Flipkart is 5x for all categories except flight/bill payments/gift cards.

During festival sale, it gets doubled like it was during Holi.

Right now I see an electronic sale is going on for 20×. There isn’t any details like what is included as a part of this. But from picture, I assume it is all heavy appliances from anywhere. No details available.

Hunk Hunk
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Knight11 wrote:

Amazon is 10x and Flipkart is 5x for all categories except flight/bill payments/gift cards.

During festival sale, it gets doubled like it was during Holi.

Right now I see an electronic sale is going on for 20×. There isn’t any details like what is included as a part of this. But from picture, I assume it is all heavy appliances from anywhere. No details available.

Yes that’s one issue here… we have to assume. If they mention everything clearly, it would only make our life easy.

On a side note, I’ve an upgrade offer right now to privilege/select/magnus from my existing myzone. Which one you think should I take?
- I’m okay with the fees of each card
- I don’t travel a lot, maybe just twice a year on trips
- Most expenses are domestic online.

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atx88 wrote:

Yes that’s one issue here… we have to assume. If they mention everything clearly, it would only make our life easy.

On a side note, I’ve an upgrade offer right now to privilege/select/magnus from my existing myzone. Which one you think should I take?
- I’m okay with the fees of each card
- I don’t travel a lot, maybe just twice a year on trips
- Most expenses are domestic online.

Privilege is best, if u are interested in redemption against Myntra vouchers.

Otherwise, depends on ur spends. Privilege has lower annual waiver of 2.5L, so that is possible. Magnus and select have just slightly better reward rates for Amazon vouchers. But their waiver requirement is pretty high.

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