Hot Deal

Best Credit Card for Online Spends

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Deal Cadet
Professor1

Hello everyone

I am interested in a credit card that offers best cashback for online transactions (excluding amazon, flipkart). Currently I have flipkart axis (offering 1.5%), SBI Click and HSBC Cashback (1.5%) among others. And by cashback I prefer statement credit and not online rewards like HDFC Diners.

Please suggest me a cashback credit card that is better than the aforementioned credit cards.

My online spends will be Rs 1-2 lakh per month

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Deal Lieutenant Deal Lieutenant
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You have already best card
Now No other card better than simply click or axis flipkart

Deal Newbie Deal Newbie
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+1

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Deal Cadet Deal Cadet
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Go for amex membership rewards. Pm me for referral

Deal Cadet Deal Cadet
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I have amex MRCC card. Thanks by the way

Deal Lieutenant Deal Lieutenant
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Pls share details about hsbc cashback card

Deal Cadet Deal Cadet
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1.5% cashback on online spends( there might an upper limit every month).

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Deal Subedar Deal Subedar
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Get Amazon ICICI card too to get 5% cashbacks on Amazon spend

Deal Cadet Deal Cadet
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Currently I have following credit cards

AMEX MRCC (primary card)
SBI prime (utility purpose)
SBI simply click (online)
Flipkart Axis (online)
Citi Cashback
Citi Rewards
Standard Chartered landmark rewards
Yes prosperity edge
HSBC visa platinum
HSBC Cashback (Online)
IndusInd Platinum Aura Edge
ICICI Coral (fuel purpose)
ICICI amazon pay (online)
ICICI visa platinum
HDFC moneyback
Kotak Privy League Signature

I find HSBC cashback, flipkart axis and sbi click most rewarding particularly for online spends

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Vanguard Vanguard
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How do you spend 1-2 lakh online other than flipkart/Amazon

Deal Cadet Deal Cadet
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I am not spending that much as of now but I will be as I said earlier in the thread.

Deal Cadet Deal Cadet
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Can any one suggest best card for grocery?

Deal Cadet Deal Cadet
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depends on the offer the e-commerce website is giving,

for offline SBI Prime, SCB Manhattan best

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Helpful Helpful
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bhai 1-2 lakh per month flushed esa kya lete ho…or karte kya ho earning k lie…curious to know stuck_out_tongue_winking_eye

Deal Cadet Deal Cadet
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Rotation for 50days interest
+ Rp from cc
+ Cashback for cc repayment by cred/mobidick

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Deal Subedar Deal Subedar
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by the time you get a card related to your survey; benefits/advantages gets changed. So better apply for all cards which you can get

Deal Cadet Deal Cadet
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Yes it can happen as most of the offers are for a very limited time and by the time we get the card the offer is over.

Deal Cadet Deal Cadet
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If I pay through ICICI Amazon card on COD/POD for Amazon order, Am I eligible for 5% rewards?

Deal Cadet Deal Cadet
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I havent tried that but in my opinion COD transaction might not be considered for 5% cashback

Deal Cadet Deal Cadet
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For grocery with rs500 fee which is best card

Sbi simply save or any other from axis icici hdfc yes bank rbl

Deal Cadet Deal Cadet
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SBI simply save for offline
SBI simply click for online

SBI prime is best for offline groceries, stores etc

hdfc has lot of variants amongst which regalia, millenia, regalia first all good

yes bank is useless

never used rbl and never will

icici is also not that attractive when it comes to groceries

axis my zone is average

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Deal Subedar Deal Subedar
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You missed
Citi Indian oil
SBI BPCL

Deal Lieutenant Deal Lieutenant
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For grocery I think dbs bigbasket card is good combined with timesprime

Deal Cadet Deal Cadet
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Rotation= withdrawal of your entire credit limit using any pg services. Then repay on last day. Again after statement generated do same process.

If u have a credit limit of say 2lakh per card and u have 15 different cards u got 30L for an example only.
I have only 2 cards and 1.5L limit.

So u can invest that 30L or lend it to any trustworthy people with as low as 5% . I know people getting loans at 17% also. So 5% is safest and tenure as 29days

Deal Cadet Deal Cadet
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getting money back from those trustworthy people can become mission of your life.

Bro any other method suggested for rotation

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Deal Cadet Deal Cadet
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Do think this PG service is free?

Pro Critic Pro Critic
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Amazon Pay ICICI bank credit card

Deal Newbie Deal Newbie
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How is Indusind platinum aura card for online spends

Deal Cadet Deal Cadet
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I have upgraded my Indusind platinum aura card as it was basically a useless card

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Deal Cadet Deal Cadet
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I can spend quite a few amount of money on a credit card only to pay it back by bank account again. Which is the best credit card that gives exciting offers on say annual spends/monthly spends??

Deal Subedar Deal Subedar
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It depends on your income and existing cards and eligibility criteria required for card.

You need to share your details and existing card details to be able to provide suggestions.

Assuming, you don’t have any cc cards yet, you can go for SBI Simplyclick which is easier to get approved and has decent rewards.

Pro Critic Pro Critic
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Amazon Pay ICICI
SBI Simplyclick

Deal Lieutenant Deal Lieutenant
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Amazon pay icici
Flipkart axis
Ola Sbi
Sbi simply click

Helpful Helpful
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Don’t know how many times people will make new thread over it. Irony is ,some dimers start sharing gyaan again ..rather than asking admin to merge

Generous Generous
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Because listing two to three cards is easier than first search related thread and then ask admin with long explanation. Look no one explained anything with gyaan above, all done briefly.

Deal Subedar Deal Subedar
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Kabhi kabhi search bhi kar lena chahiye. It requires lesser words to type and one don’t have to wait for the answers to their query.

Helpful Helpful
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That’s the point

Deal Cadet Deal Cadet
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The bigger point to to avoid acting like moderators and instead let others reply. You get two advantages: You save your time, and mine too. smile

Deal Cadet Deal Cadet
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I just received my HDFC Diners club black beauty today. Finally after an long wait I have got this card, I am so happy that they considered my application and approved it in 7-8 days.

https://ibb.co/V...7s

Deal Subedar Deal Subedar
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How to get it bro ,I have regalia first!

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Deal Cadet Deal Cadet
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Today my Regalia credit card got upgraded to Hdfc Infinia credit card. This was my dream card. I never thought i would get this card so early. Great start to the new year for me. First my Standard chartered Ultimate card got approved and now Hdfc Infinia.

Vanguard Vanguard
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Congrats. Do you have an imperial relationship with hdfc with high NRV? What were your spends like on your regalia?

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Helpful Helpful
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I do not have ICICI bank account. I only have their Amazon Pay credit card.

Now, how to get other ICICI cards (whichever are LTF)? I mean, where to apply. I don’t want to submit any docs.

Critic Critic
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Arrey Bhai Bhai Bhai !!!
Yahan toh sab bade bade log hain… Infinia, Ultimate, Reserve, DCB, Plat, Exclusive, Privilege aur na pata kya kya super-premium cards hain flushed

Finance Mentor Finance Mentor
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stuck_out_tongue Bade nahi bhai…. bade bado ke boss wale log hai… laughing
Deal Cadet Deal Cadet
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Unless someone has mentioned this already – IndusInd Pinnacle is one of the best for online transactions. 2.5% reward points which can be redeemed at the rate of Re.1 statement credit / point. Since it’s a MasterCard won’t have acceptance issues either.

SBI Elite is a very good card too. Has roughly 2.1% reward points ratio (statement credit) roughly if you can spend 8L p.a. 10L p.a gives you a waiver of their annual fee (approx 5k plus tax).

HDFC DCB and Infinia are surely better but DCB has acceptance issues and Infinia has high eligibility criteria.

Deal Newbie Deal Newbie
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I got an HDFC freedom card which I use mostly for online shopping (amazon & flipkart ), fuel and on other offline shops. If I’m to apply for a new card which is the best option for me Amazon Pay Card, Citi bank rewards or SBI SimplyClick?. Also I think I can upgrade my current freedom card to millennia credit card.

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