https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8097420
Axis Ace. Best entry level card
Best credit card for offline transaction rewards
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Dear Dimers, which is the best credit card with respect to rewards for offline transactions? Preferably LTF.
Thanks in advance.
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Top Comments
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8097521
Sudarshan61 wrote:Axis Ace. Best entry level card
Agreed
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8097537
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.
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8097559
lhgeek wrote: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.
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
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8097560
lhgeek wrote: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.
IDFC started cancelling credit cards based on usage pattern?
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8097685
My axis ace application was rejected twice in the past so unsure if I can apply again now.
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8097751
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dhinchakrohit wrote:IDFC started cancelling credit cards based on usage pattern?
I dont know.. I havent tried.. but I assume this sort of pattern will raise flags if done frequently
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8097753
raghupro wrote:My axis ace application was rejected twice in the past so unsure if I can apply again now.
Did you submit Aadhar ? Mine was rejected because I refused to submit Aadhar. I reapplied with Aadhar and got it approved.
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8097769
raghupro wrote:My axis ace application was rejected twice in the past so unsure if I can apply again now.
I had fk axis cc and on this basis axis issued me ace card. Then I cancelled fk axis card
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8097938
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8097952
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8097968
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8098052
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.
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8098131
lhgeek wrote: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.
Which wallet to load now with 20k, paytm started charging fees now
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8098653
Looks like Axis hits CRIF score for validation and my CRIF score is bad. CIBIL and Experian scores are good.
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8100129
raghupro wrote:Looks like Axis hits CRIF score for validation and my CRIF score is bad. CIBIL and Experian scores are good.
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
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8100135
Sudarshan61 wrote:Axis Ace. Best entry level card
Minimum is 2% for most offline spends, right?
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8100170
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8100194
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Sudarshan61 wrote:Flat 2% for all offline…(nothing at fuel stations )
I get 1.5 with flipkart axis..
Do you think ace will go ltf in near future, maybe next year ? 
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8100202
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xxxyyyzzz wrote:I get 1.5 with flipkart axis..
Do you think ace will go ltf in near future, maybe next year ?
And does axis ace give 2% on wallets too ? @Sudarshan61
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8100223
For Offline
1. AXIS ACE
2. SBI SimplySave
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8100234
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decideaim wrote:And does axis ace give 2% on wallets too ? @Sudarshan61
No, wallet load, Fuel , EMI etc are excluded.
Here you can find full details.
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8100236
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8114288
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 50×12 = 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.
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8158493
A_J wrote: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 50×12 = 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.
can fk axis be used at all offline transactions for getting 1.5% cb ?
https://www.desidime.com/discussions/best-credit-card-for-offline-transaction-rewards?page=1#post_8159035
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hackerboys wrote:can fk axis be used at all offline transactions for getting 1.5% cb ?
Yes, except gold purchases & fuel transactions
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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 50×12 = 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.