https://www.desidime.com/discussions/cc-suggestions?page=1#post_9724213
You can apply for mrcc it is best card for utility using tricks, you can check dm i have sent u info about it
CC Suggestions??
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I don’t have big expanses, does getting AMEX MRCC worth it?
Also can anyone suggest me some cards based on different categories like:
- Offline transactions (4-5k pm (mostly groceries)),
- Online shopping (amazon, flipkart, swiggy, ajio, myntra, zomato, …etc)
- Travel: Rail and uber and ola (5k quarterly on rail and 1.5k on uber/ola)
- Fuel (currently used to use Onecard, but they are now going refrain giving reward points on fuel transaction) (4K)
- Utilities (3k)
PS: I have flipkart axis (lower limit/no ltf), kotak league platinum (ltf) and onecard fd based)
EDIT Summary: (Updated categories with avg expenditures)
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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https://www.desidime.com/discussions/cc-suggestions?page=1#post_9724514
Reward rate ?
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https://www.desidime.com/discussions/cc-suggestions?page=1#post_9724219
If you can spend 1500x4 every month without overspending just for the sake of points then yes, else no.
You can buy gift cards to reach 1500 but then you need to use that gift card and using gift cards makes you ineligible for lots of other offers (credit cards, bank offers etc) in most of the stores. So, get the cards only if you can spend on it.
https://www.desidime.com/discussions/cc-suggestions?page=1#post_9725621
Can't we load PayTM wallet? 1500x4 ?
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https://www.desidime.com/discussions/cc-suggestions?page=1#post_9724247
Pls mention how much you spend on each category. Then dimers can tell you suitable cc.
https://www.desidime.com/discussions/cc-suggestions?page=1#post_9725069
Updated the post. Thanks
https://www.desidime.com/discussions/cc-suggestions?page=1#post_9724250
Sbi cashback cc for online shopping - 5% cb
For Offline and utilities, axis ace - 2% and 5% via google pay
For fuel, Hdfc fuel cc and use this card to buy train tickets, uber and ola vouchers via smartbuy, 5 % cb
And you can buy other available vouchers also
https://www.desidime.com/discussions/cc-suggestions?page=1#post_9724266
Which fuel cc
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https://www.desidime.com/discussions/cc-suggestions?page=1#post_9724382
Amex trifecta cards can serve majority of all ur cases... Can DM me for details
https://www.desidime.com/discussions/cc-suggestions?page=1#post_9724417
What is this? Can you pls explain, how to use?
Here or in dm
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https://www.desidime.com/discussions/cc-suggestions?page=1#post_9724487
Nice to see people suggesting amex cards to everyone just coz of referral benefits..... 😄
If you do not have high enough spends you do not need amex. Amex require redemptions only in certain categories to maximize the benefits (platinum travel need to spend 4L atleast and then redeem for taj or travels for maximum benefits)
And for trifecta the fee will be around 10k combined and you need to spend on all 3 to even get back the fee.
So beware if anyone suggests you Amex directly and asks to dm as they can't share referral links here.... 😄
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Nice to see people suggesting amex cards to everyone just coz of referral benefits..... 😄
If you do not have high enough spends you do not need amex. Amex require redemptions only in certain categories to maximize the benefits (platinum travel need to spend 4L atleast and then redeem for taj or travels for maximum benefits)
And for trifecta the fee will be around 10k combined and you need to spend on all 3 to even get back the fee.
So beware if anyone suggests you Amex directly and asks to dm as they can't share referral links here.... 😄