Best credit card for offline transaction rewards

141°
Deal Captain
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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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.

Deal Subedar Deal Subedar
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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

Deal Cadet Deal Cadet
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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?

Deal Captain Deal Captain
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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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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

Deal Newbie Deal Newbie
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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.

Talk-Of-The-Town Talk-Of-The-Town
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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

Deal Captain Deal Captain
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lhgeek wrote:

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

I submitted. Their executive came home and did the validation. Got a reject post that on both occasions

Deal Cadet Deal Cadet
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raghupro wrote:

I submitted. Their executive came home and did the validation. Got a reject post that on both occasions

I applied recently for ACE card, no update yet either from executive or from customer care/website…

How many days did it take to get status?

Deal Captain Deal Captain
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iron-man wrote:

I applied recently for ACE card, no update yet either from executive or from customer care/website…

How many days did it take to get status?

Don’t remember exactly but around 2 weeks I guess

Deal Newbie Deal Newbie
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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.

Deal Captain Deal Captain
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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

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

Blaze Blaze
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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

Blaze Blaze
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Sudarshan61 wrote:

Axis Ace. Best entry level card

Minimum is 2% for most offline spends, right?

Deal Subedar Deal Subedar
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xxxyyyzzz wrote:

Minimum is 2% for most offline spends, right?

Flat 2% for all offline…(nothing at fuel stations )

Blaze Blaze
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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 ? sweat_smile

Deal Subedar Deal Subedar
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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 ? sweat_smile

And does axis ace give 2% on wallets too ? @Sudarshan61

Deal Subedar Deal Subedar
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For Offline
1. AXIS ACE
2. SBI SimplySave

Deal Subedar Deal Subedar
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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 ? sweat_smile

Mostly No.

Deal Newbie Deal Newbie
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neehesh wrote:

I had fk axis cc and on this basis axis issued me ace card. Then I cancelled fk axis card

Was the fk axis cc ltf? Did you get ace as ltf?

Deal Cadet Deal Cadet
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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.

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