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Best card to swipe on POS ( Offline )

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ChindiChor99
Best card to swipe on POS ( Offline )

I need to swipe around 5 lacs on POS machine in multiple transactions at an offline jwellery store.
What's the best card to get maximum cashbacks?

I tried using AU LIT card with 10X rewards activated and I got 10X points equivalent to 2.5% Cashback.

Could you guys please suggest more?

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Deal Subedar Deal Subedar
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If you can use bhim upi for payment of 25k+ , their is offer of 5% cashback upto 3k.(only on jewellery purchase)

Check bhim app for details 

Savings Mentor Savings Mentor
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If it was something else offline other than jewelry and if you were in Mumbai, I would have lent you my Axis Ace which gives 2% and let you keep the cashback as long as my spends waiver for next year is met smile 

But jewellery is excluded I think

Hunk Hunk
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Final answer kya mila post me update krdo @ChindiChor99

Deal Cadet Deal Cadet
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HSBC debit card looks good.

I also got one more AU Bank card on my wife's name via Cashkaro.

Will activate 2% CB upto 1000 and 10X rewards and will swipe it for 60,000₹

So I will have :

2000₹ from cashkaro

1000₹ CB from AU Bank

6000 rewards points which is equivalent to 1500₹

TOTAL - 4500₹ cashback

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Benevolent Benevolent
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Algebra (au lit) card gives you just 2% once you reach milestones. It's not 2.5%,as your spend is high.


IDFC wealth for offline, gives you 0.75%  for the first 30k spends and 2.5 % later on. 

Generous Generous
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Additional 5000 on 2 Lacs Jewellery

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Helpful Helpful
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Tataneu infinity if purchasing from tanishq.

Otherwise not much is there from usual 1 to 1.5%

Deal Subedar Deal Subedar
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Not sure about sbi cashback but cashback % of it is on higher side

Benevolent Benevolent
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It stopped rewarding Jewellery. 

Deal Subedar Deal Subedar
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If you can use bhim upi for payment of 25k+ , their is offer of 5% cashback upto 3k.(only on jewellery purchase)

Check bhim app for details 

Deal Cadet Deal Cadet
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If you are planning to purchase tomorrow, then you can consider this
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Deal Cadet Deal Cadet
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Axis Ace card gives 2% cashback if I'm not wrong.

Deal Cadet Deal Cadet
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How to upgrade to ACE from Axis Flipkart?

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Hunk Hunk
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No card gives better accelerated cashback for offline purchases than au lit in the mid range segment. If u have premium cards then only. Axis ace is the only competitor. Premium cards like hdfc infinia, scb ultimate gives more.

Savings Mentor Savings Mentor
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If it was something else offline other than jewelry and if you were in Mumbai, I would have lent you my Axis Ace which gives 2% and let you keep the cashback as long as my spends waiver for next year is met smile 

But jewellery is excluded I think

Deal Cadet Deal Cadet
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Are we still getting 2% on ace card on jwellery purchase???

Any idea?

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Helpful Helpful
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I would suggest you to go for Amex platinum travel.

I am assuming you are not going to purchase immediately and your purchase would be within same year. You will get around not less than 5%.

Card already available?then go for it.

Need refferal? Then ping me

Helpful Helpful
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@ChindiChor99

Helpful Helpful
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@ChindiChor99 @ChindiChor99

Benevolent Benevolent
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Axis ace does not reward for

https://www.axisbank.com/docs/default-source/de...

Cashback shall not be eligible on fuel spends, EMI transactions, purchases converted to EMI post facto, wallet loading transactions, cash advances, rental payment, purchase of gold/jewelry items, insurance premium payments, educational services, payment of outstanding balances, payment of card fees and other card charges.

Helpful Helpful
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@ChindiChor99 @ChindiChor99 Considering only 4 lakh. You will get 8000 Rp + 15000 rp(milestone of 1.9lakh) + 25000rp and 10k Taj voucher(4 lakh milestone)+ 4000rp(if you a new joiner)

Your total rps would be 48000 w.

orth 24k plus you will get Taj voucher worth 10k(minimum 7.5k you will get on desidime). Annual fee of 6000(5000+GST) would be there from next year(info in case you are new to it)
You can use any other card for 1lakh spend

Deal Cadet Deal Cadet
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Ho much are 8000 RP worth ?

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Deal Newbie Deal Newbie
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If you are going now, try with all rupay cards, you will get 5% cb

Finance Ninja Finance Ninja
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Yes, RuPay credit card on UPI - 5% upto Rs3000 per card.
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Deal Newbie Deal Newbie
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Icici Amazon pay & Rbl Paaisabazar will give you unlimited 1% cashback on jewelry.

One card can also give 1% min given that you make transaction in 2 other category

Commentator Commentator
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in Hyderabad 2% extra charges for CC and 1% for DC 

Generous Generous
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image

so they charge from us to reimburse their cost.
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Deal Cadet Deal Cadet
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Best is HSBC Salary account debit card flat 5% on all transactions no upper limit

Exceptions: Wallet,Gold and petrol

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Hunk Hunk
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Final answer kya mila post me update krdo @ChindiChor99

Deal Cadet Deal Cadet
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HSBC debit card looks good.

I also got one more AU Bank card on my wife's name via Cashkaro.

Will activate 2% CB upto 1000 and 10X rewards and will swipe it for 60,000₹

So I will have :

2000₹ from cashkaro

1000₹ CB from AU Bank

6000 rewards points which is equivalent to 1500₹

TOTAL - 4500₹ cashback

View 1 more reply
Deal Cadet Deal Cadet
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Best card will be "Axis Magnus Burgundy".

Deal Cadet Deal Cadet
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How ?
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Deal Subedar Deal Subedar
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Hsbc debit card 5% cashback is myth, it will come after few months and have lot of exclusion. Better to avoid per my experience

Deal Cadet Deal Cadet
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How many days do they take to credit Cashback?
What kind of exclusions are you talking about ?
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Generous Generous
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What is the best for usage in hospitals?

Deal Cadet Deal Cadet
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Try Flipkart Axis or AU LIT With add-on features
Deal Newbie Deal Newbie
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Tata Neu Infinity: Tanishq or Caratlane - 5% as Neucoins

Axis Ace: 2%

Flipakart Axis: 1.5%

Deal Cadet Deal Cadet
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Ace and Flipkart axis still give 2% and 1.5% respectively on jwellery shopping??

I have to purchase jewellery from offline store

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Deal Newbie Deal Newbie
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Hsbc

Deal Newbie Deal Newbie
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Hdfc infinia and diners black give 3.33% reward rate

Like Magnet Like Magnet
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U could've used pineperks rupay card, but I'm not sure if it works on jewellery, and stock availability issues are also there for pineperks rupay gc

Generous Generous
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Yeah sure! Minimum 50 swipes for 5L txn. Shop keeper ghis-ghiske lega paisa.. 

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Generous Generous
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amex mrcc with 1500x4 , 3.8% upto 1.5L/year but not mnay machine supports it

Shopping Friend Shopping Friend
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infinia hdfc gives points worth 3.3% of your purchase value in offline purchases
Tech Guru Tech Guru
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Load 1L on Giverly with SBI CB cc, get their physical card and pay offline. Use multiple cards on same account. SBI CB is treating it as travel mcc.

Physical card charges 349.

Remember that this might not last long. But going on for quite some time now.

Please refer @abhishek012 ’s post: https://www.desidime.com/deals/new-wallet-5-sbi...

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