Hot Deal

Cards giving over 5% cb or rewards in spends

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Deal Cadet
nihaln

I am just collating cards that attract more than 5% return on spends. Some cards give over 5% on specific categories. 

Direct Offers - 

1. HSBC CB Card - 10% - Groceries 

2. SBI BPCL Octane - 6.25% - Fuel 

3. HSBC CB Card - 10% - Dining

4. Airtel Axis - 25% - Airtel Recharges

5. Airtel Axis - 10% - Utility

6. Airtel Axis, HSBC CB Card - 10% - Food delivery(Zomato/Swiggy)

Using GV -

1. Bigbasket - 13% - SBI CB/AZ GV/Tata Nue

2. Indian Oil - 7%+ -  SBI CB/Park+

Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
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Benevolent Benevolent
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For Grocery On Bigbasket.


With Sbi Cashback Card , Buy Amazon Gift Card - 5% Cashback.


Buy Bigbasket Gift Card At 3% Discount On Amazon Using Apay Gift Card Balance.


Purchase Groceries On Bigbasket Via Tataneu App - 5% Neu Coins.


Total Savings 13%

Deal Captain Deal Captain
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Cool, better than airtel axis. KG
Benevolent Benevolent
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@DeciDeaim Just Checked , We Can Also Use Amazon Shopping Voucher To Purchase Big Basket Gift Card.

Screenshot2024-05-16152550


Deal Newbie Deal Newbie
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@Agent_47

What if not pinelabs pos machine? And some other machines available

Deal Subedar Deal Subedar
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@kirankiran10333 My experience
With PineLabs POS :
- Every time I got Fuel Surcharge waiver & Reward Points accurately (experienced with 3 different BPCL Petrol Pumps in my city)
- Reward Points redemption process was very easy, with mobile number (linked with card) & OTP, no redemption charges.

PS: Don't redeem reward points for BPCL Voucher as Petrol Pump guys may not accept it easily (so confirm if they accept BPCL Voucher beforehand).

PineLabs POS is must for points redemption & BPCL voucher redemption for SBI CC.

With HDFC POS :
- I got Reward Points accurately & surprisingly no fuel surcharge was charged (so no GST charged & no surcharge waived) (1 time experience, it was outstation).

With SBI POS :
- I didn't get Reward Points & Fuel Surcharge waiver. I had to send mail with receipt to get both.

The worst thing happened when I used this card on non BPCL outlet. I got no reward points & no fuel surcharge waiver but fuel surcharge & GST was charged (obviously).

Make sure BPCL Fuel pump is listed in SBI BPCL Fuel pump's list.
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Deal Cadet Deal Cadet
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Nice post VU+ to reach many 

Post Emperor Post Emperor
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One card and hsbc card 10% ? Where & how?

Deal Cadet Deal Cadet
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Afaik more than 10% cb on groceries is not one card feature, it's occasional offer

Correct me i m wrong

Deal Captain Deal Captain
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So only Hongkong and Shangai corporation giving more than 10% directly plus1

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Benevolent Benevolent
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For Grocery On Bigbasket.


With Sbi Cashback Card , Buy Amazon Gift Card - 5% Cashback.


Buy Bigbasket Gift Card At 3% Discount On Amazon Using Apay Gift Card Balance.


Purchase Groceries On Bigbasket Via Tataneu App - 5% Neu Coins.


Total Savings 13%

Deal Captain Deal Captain
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Cool, better than airtel axis. KG
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Pro DealBaba Pro DealBaba
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Bpcl ocatane - 6.25% is  inclusive of petrol charge right, so actual benifit is less, correct me if it is wrong.

Deal Cadet Deal Cadet
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Yes i think so too


kindly anyone with BPCL octane Confirm it

image

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Deal Cadet Deal Cadet
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And another method

Hdfc millennia cc, if u buy asv via hdfc sb 5% + 1% 

And if u spend 1L in 1 quarter, addtional 1% 

Use this asv to buy bb egv in az

+ for shopping via tata neu : 5% neucoins

Already ss undernation shared

And if u ve higher card than millennia, you can save upto 16% around on asv

Deal Cadet Deal Cadet
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For myntra

Sc digi smart cc

20% instant discount

Afaik this d highest nd best offer card

If there is any other card or method,which gives more return,  pls me know

Deal Cadet Deal Cadet
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Myntra has lot of discounts for vouchers i think so that basically makes this card not that needed
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Savings Mentor Savings Mentor
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Very nice thread. I love such discussions.

Btw Standard Chartered DigiSmart issuance is long stopped, right? So those whose card expires, they will get some other card?

Does any of you from this thread have this card besides @nihaln ?

Deal Cadet Deal Cadet
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buddy I don't have sc digismart, I am just adding whatever is discussed here. I didn't even know they stopped digismart. I checked and I see there is no apply option for this card in sc website.
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Savings Mentor Savings Mentor
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Among the fuel cards, SBI BPCL Octane does have a high reward rate but when it comes to fuel cards, it's really IMHO about which petrol pump people visit. Many petrol pumps are too far and some have corrupt/chor people who cheat with quantity when filling the vehicle, or too crowded all the time, so I think people may have a preference between HPCL, IOCL and BPCL, depending on proximity and overall experience of the bank/card's consistency in giving rewards on fuel + how good the petrol pump is.

I suggest reading this article I once came across: https://creditcardz.in/best-fuel-credit-cards-i... on Best Fuel Credit Cards in India

Deal Cadet Deal Cadet
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for me i usually go for Shell petrol bunks 


as a matter of fact NO CO BRANDED SHELL CARD i found in credit cards 


Which is the main reason i never tried to apply SBI BPCL Octane as i dont use BPCL, i mostly use shell most of the time


only offer i find for shell petrol bunk is CRED UPI

Deal Cadet Deal Cadet
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Axis ACE - 5% CB on utility payments.
Amazon ICICI - 5% Amazon Pay Balance on Amazon Shopping
Axis Flipkart - 5% cashback on Flipkart shopping, reroute to Flipkart via Grabdeal before purchase to get 5% more.
HDFC Tata NEU Infinity - 1.5% Neucoin CB on UPI payments.

Deal Newbie Deal Newbie
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I think this topic is meant for over 5%

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Deal Cadet Deal Cadet
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hdfc imperia/dcb cc holders, i heard gift cards are at 16.5%, Please confirm.

Finance Mentor Finance Mentor
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Hdfc infinia gives 5x or 10x via smartbuy. 
so things like Pharmeasy / IGP and hotels via smartbuy has 33% rewards. Amazon / flipkart / Myntra / bigbasket etc vouchers are 16.6% off.

DCB also is rewarding.

Hdfc millennia DC gives 10% on smartbuy too.

Read more: https://offers.smartbuy.hdfcbank.com/offer_deta...

Deal Cadet Deal Cadet
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This % return is not cash or cash equivalent. In flights/hotel redemption, we get this % return?

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Deal Cadet Deal Cadet
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I guess u r asking for fuel cc, which has statement credit option , that's why tagged you 

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Deal Cadet Deal Cadet
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Which is better Axis Ace, Axis Airtel or Flipkart? Can I get 2 Axis cards?

Deal Cadet Deal Cadet
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You can easily get upto 3 axis cards after which 4 and 5 are possible too but rarely


Axis Ace better for offline and online if your goal is reward of 1.5%

Axis Airtel is good for Bill payment


Flipkart keep it if your purchase a lot in flipkart I personally dont purchase lot of things from Scam(flip)cart

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