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Best credit card for offline transaction rewards ?

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Benevolent
raghupro
Dear Dimers, which is the best credit card with respect to rewards for offline transactions? Preferably LTF. Thanks in advance.
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Benevolent Benevolent
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Axis Ace. Best entry level card
Benevolent Benevolent
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Looks like Axis hits CRIF score for validation and my CRIF score is bad. CIBIL and Experian scores are good.

Finance Ninja Finance Ninja
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Axis hits cibil and experian bro.. I got fk axis and enquiry reflects only in cibil and experian. On the other hand, hdfc hits crif and Equifax, nothing on cibil & Experian... This is the most recent updates...maybe earlier they did vice Versa
Hunk Hunk
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Unless you have a lot of bills to pay, FK Axis CC is better than Ace as it's LTF. 1.5% CB on all spends and sometimes 15% discount on flipkart (10% bank offer plus 5% CB, if you use it during sales with Axis bank offer). If you don't have a lot of bills, even if you spend 10000 rupees per month, the extra 0.5% CB Ace gives over FK Axis is just 50 rupees or 50x12 = 600 per year, which barely covers it's yearly charge. Not to mention FK Axis has welcome offers like 15% CB upto 500 on you first transaction on Myntra among other offers, while Axe has none.
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Benevolent Benevolent
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Axis Ace. Best entry level card
Finance Ninja Finance Ninja
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Agreed
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Deal Newbie Deal Newbie
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I agree Axis Ace. Its not LTF, but if you manage to spend more than 2Lakhs.. then its LTF.

Else you can consider IDFC Select, use Rs 20000 wallet load every month.. so the remaining offline spends you get 2.5%
But this can come to their notice and cancel your card due to abuse.

Benevolent Benevolent
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almost everyone charges for wallet load this days...No point of such headace/rotations Even If one spends 10000 a month i.e 120000 yearly that is cashback of Rs2400 per year or approx 1900 per year (considering fee). It is just hands down the best entry level card without much fuss or different reward rates as per categories
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Benevolent Benevolent
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My axis ace application was rejected twice in the past so unsure if I can apply again now.

Deal Newbie Deal Newbie
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Did you submit Aadhar ? Mine was rejected because I refused to submit Aadhar. I reapplied with Aadhar and got it approved.

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Deal Cadet Deal Cadet
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If you are not getting ACE directly then I would suggest to apply for My Zone CC as they are giving that easily and then after few months call Customer care and ask to upgrade to ACE, they will take request and issue you ACE then later cancel My Zone.

Benevolent Benevolent
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Looks like Axis hits CRIF score for validation and my CRIF score is bad. CIBIL and Experian scores are good.

Finance Ninja Finance Ninja
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Axis hits cibil and experian bro.. I got fk axis and enquiry reflects only in cibil and experian. On the other hand, hdfc hits crif and Equifax, nothing on cibil & Experian... This is the most recent updates...maybe earlier they did vice Versa
Deal Subedar Deal Subedar
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For Offline
1. AXIS ACE
2. SBI SimplySave

Hunk Hunk
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Unless you have a lot of bills to pay, FK Axis CC is better than Ace as it's LTF. 1.5% CB on all spends and sometimes 15% discount on flipkart (10% bank offer plus 5% CB, if you use it during sales with Axis bank offer). If you don't have a lot of bills, even if you spend 10000 rupees per month, the extra 0.5% CB Ace gives over FK Axis is just 50 rupees or 50x12 = 600 per year, which barely covers it's yearly charge. Not to mention FK Axis has welcome offers like 15% CB upto 500 on you first transaction on Myntra among other offers, while Axe has none.
Helpful Helpful
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can fk axis be used at all offline transactions for getting 1.5% cb ?

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Deal Newbie Deal Newbie
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citi bank rewards credit card is best i feel. So far they have not charged me anything anually. I spend almost 2lakhs per year.

Deal Cadet Deal Cadet
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I use Slice. It’s a credit line card. Lifetime free. 2% cashback on all transactions (including offline purchases). On top of that, it often gives offers on various offline stores. Truly the best.

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