Considering to discontinue Axis ACE CC, Should I?

As per the above details, ur not much spending on the Ace Card.

If ur spending is less than 2L better switch to some other card or downgrade it to other card having less spend waiver and having good rewards for Bills and payments (for ur Electricity bills).

Axis freecharge gives 5% CB on all spends thru Freechare app and waiver on 50000 per year. By joining u will get rs.700 worth voucher against 350+gst joining fees.

Do let me know If you are able to upgrade platinum dc to Millennia

https://www.desidime.com/discussions/getting-er...

nikniknik wrote:

Do let me know If you are able to upgrade platinum dc to Millennia

https://www.desidime.com/discussions/getting-er...

Check netbanking, that is the easiest way

Don’t close ACE, its best card for as of now esp after HDFC devalued rewards

@Scorpion bro I am not interested in freecharge card as I have Axis Neo LTF card which also gives 5% cb on bill payments. FK Axis covers of the Ace features and is LTF.

nikniknik wrote:

Do let me know If you are able to upgrade platinum dc to Millennia

https://www.desidime.com/discussions/getting-er...

I’ll update you on this when I apply for for this.

caks2006407 wrote:

Don’t close ACE, its best card for as of now esp after HDFC devalued rewards

Yes I am aware but it is paid card while FK Axis is LTF and difference is 0.5%.

Pay bills for whole community and earn 3/2% percent ….

samm255 wrote:

@Scorpion bro I am not interested in freecharge card as I have Axis Neo LTF card which also gives 5% cb on bill payments. FK Axis covers of the Ace features and is LTF.

Then i would suggest the best option is to close ACE, considering the cards u hold and the spending pattern.

But HDFC dc has cb limit of rs400 per month right?

Scorpion wrote:

Then i would suggest the best option is to close ACE, considering the cards u hold and the spending pattern.

Yeah that is what I am thinking. I will ask them to convert it to LTF if they agree however I have very high doubt they will do that as this is Axis Bank.

neehesh wrote:

But HDFC dc has cb limit of rs400 per month right?

Yes correct but that is more than enough for people like me. In case of CC bill more than 40k I can split spend in two months for that.

“Millennia DC to get 10% cb through Amazon GV for bill payments”
Could you explain how this works? I thought 5% Millennia rewards +5% SmartBuy cashback is only valid for Amazon orders which excludes not Bill payments, Gift cards etc

MrMonkey wrote:

“Millennia DC to get 10% cb through Amazon GV for bill payments”
Could you explain how this works? I thought 5% Millennia rewards +5% SmartBuy cashback is only valid for Amazon orders which excludes not Bill payments, Gift cards etc

You buy 8000 amazon instant voucher through smartbuy on gyftr website which will give you 400+400 cb and pay your electricity bill etc through Amazon pay balance. You won’t get 10% cb if you directly pay bill on Amazon though DC

samm255 wrote:

You buy 8000 amazon instant voucher through smartbuy on gyftr website which will give you 400+400 cb and pay your electricity bill etc through Amazon pay balance. You won’t get 10% cb if you directly pay bill on Amazon though DC

But shouldn’t it be 5% Smartbuy + 2.5% card reward = 7.5%, means ₹600 for ₹8000 amazon instant voucher?

MrMonkey wrote:

But shouldn’t it be 5% Smartbuy + 2.5% card reward = 7.5%, means ₹600 for ₹8000 amazon instant voucher?

Its 5% Smartbuy and 5% card rewards if you do transaction via smartbuy. You will get 2.5% if you direct do transaction on Amazon/Flipkart.

samm255 wrote:

Its 5% Smartbuy and 5% card rewards if you do transaction via smartbuy. You will get 2.5% if you direct do transaction on Amazon/Flipkart.

when will the smartbuy and card rewards get tracked respectively? The card CB gets credited usually in 60-90 days for me, for wallet reloads 

Ace shines for 2 reasons 

No min amt to get CB

Rounding , this part everyone overlooks  (If CB is 100.6 > For FK you will get 100 for Ace you will get 101) It adds up over time 

.

samm255 wrote:

@Scorpion bro I am not interested in freecharge card as I have Axis Neo LTF card which also gives 5% cb on bill payments. FK Axis covers of the Ace features and is LTF.

Can you tell where you are getting 5% for Neo card.

EkdamSastaRaju wrote:

Ace shines for 2 reasons 

No min amt to get CB

Rounding , this part everyone overlooks  (If CB is 100.6 > For FK you will get 100 for Ace you will get 101) It adds up over time 

Whether Rs.50 transaction gets Rs.1 cashback ?

freddyspops wrote:

when will the smartbuy and card rewards get tracked respectively? The card CB gets credited usually in 60-90 days for me, for wallet reloads 

It’s within 90 days as per t&c

EkdamSastaRaju wrote:

Ace shines for 2 reasons 

No min amt to get CB

Rounding , this part everyone overlooks  (If CB is 100.6 > For FK you will get 100 for Ace you will get 101) It adds up over time 

FK Axis also don’t require min amount for cb I guess?

sri222 wrote:

Whether Rs.50 transaction gets Rs.1 cashback ?

Yes that is correct, I did Rs. 25 recharge though gpay and got cb.

samm255 wrote:

FK Axis also don’t require min amount for cb I guess?

Cashback not applicable on transactions less than Rs.100

srini1973 wrote:

Can you tell where you are getting 5% for Neo card.

I haven’t use Neo as I am still using ACE at the moment but Neo feature says 5% cb through Paytm on bill payments.

https://www.axisbank.com/retail/cards/credit-ca...

samm255 wrote:

I haven’t use Neo as I am still using ACE at the moment but Neo feature says 5% cb through Paytm on bill payments.

https://www.axisbank.com/retail/cards/credit-ca...

max CB per month is Rs150😳

sri222 wrote:

Whether Rs.50 transaction gets Rs.1 cashback ?

Yes even if you do 30 you will get 1 CB 

samm255 wrote:

FK Axis also don’t require min amount for cb I guess?

min 100