credit card suggestion please

Deal Cadet
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Currently I’m using a SBI tata Croma credit card.

It has a 1% cash back.

For ex every 100₹ purchase I will get 1 reward point which is equal to 1₹

Also 499 annual charges gets waiver after 90k spent.

+ Redeem can possible only in Tata stores.
- we cannot adjust rewards in credit statement.

Can any other card gives 1% or more cb.
Please suggest.

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Amazon Pay…Life time free 1% minimum cashback as amazon balance
Axis FK/Freecharge 1.5%
Axis Ace 2% minimum CB as statement credit …best right now for cash back cards

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Tata titanium card must be giving u 3 points thats rs.3 for every 100 spent at groceries and departmental stores. Which is better than many others for grocery spends.
You can change the varients by calling sbi customer care. Then u may opt for simply click if u want to use it for amazon/online mainly

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Indusind pinnacle card 2.5 reward points for online spends. 1.5 points for wallet loads. 1 point = 1Rs.

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deals44u wrote:

Indusind pinnacle card 2.5 reward points for online spends. 1.5 points for wallet loads. 1 point = 1Rs.

Indusind site says 1.5 points for ecomm travel/airline transactions & 2.5 points is definitely not there for wallet transactions so that leaves only the last option of 1 point per Rs.100(aka 1%).

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guest_999 wrote:

Indusind site says 1.5 points for ecomm travel/airline transactions & 2.5 points is definitely not there for wallet transactions so that leaves only the last option of 1 point per Rs.100(aka 1%).

Bro, I did not mention 2.5 points for wallet transactions. Check website again . It says 2.5 for online transactions . 1.5 points for travel and airline transactions

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deals44u wrote:

Bro, I did not mention 2.5 points for wallet transactions. Check website again . It says 2.5 for online transactions . 1.5 points for travel and airline transactions

Yes but you said “1.5 points for wallet loads” which I don’t see mentioned on indusind site pinnacle card page. It is not 2.5 & it can’t be considered as travel/airline transaction so not 1.5 either so that leaves only 1 point(it is not in excluded category of 0.7 points either).
@_One_Miller_

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guest_999 wrote:

Yes but you said “1.5 points for wallet loads” which I don’t see mentioned on indusind site pinnacle card page. It is not 2.5 & it can’t be considered as travel/airline transaction so not 1.5 either so that leaves only 1 point(it is not in excluded category of 0.7 points either).
@_One_Miller_

You can check the reply given below.

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guest_999 wrote:

Yes but you said “1.5 points for wallet loads” which I don’t see mentioned on indusind site pinnacle card page. It is not 2.5 & it can’t be considered as travel/airline transaction so not 1.5 either so that leaves only 1 point(it is not in excluded category of 0.7 points either).
@_One_Miller_

Wallet Txns : 1.5%

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guest_999 wrote:

Can you give the link because I am not able to find it on pinnacle page on indusind site?
@deals44u

When AmazonPay ICICI was giving 5% on Amazon GC, was it written anywhere ?
Something you should believe, if you do not believe then you can apply card and know yourself.
IndusInd is most transparent in reward aspect. Merchant category is mentioned in statement & the rewards points are given % wise in fractions too(no round down). 1.5% is high for wallet txns nowadays, so be happy in whatever you get else this will also may get over. Cashback % may differ from wallet to wallet.

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_One_Miller_ wrote:

When AmazonPay ICICI was giving 5% on Amazon GC, was it written anywhere ?
Something you should believe, if you do not believe then you can apply card and know yourself.
IndusInd is most transparent in reward aspect. Merchant category is mentioned in statement & the rewards points are given % wise in fractions too(no round down). 1.5% is high for wallet txns nowadays, so be happy in whatever you get else this will also may get over. Cashback % may differ from wallet to wallet.

Oh! Didn’t know this card having similar loophole as it is not as popular as amazonpay so few people discuss it here. Good to know. smile
@deals44u

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guest_999 wrote:

Oh! Didn’t know this card having similar loophole as it is not as popular as amazonpay so few people discuss it here. Good to know. smile
@deals44u

In this case bank is in profit because giving 1.5% instead of 2.5%.

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deals44u wrote:

Indusind pinnacle card 2.5 reward points for online spends. 1.5 points for wallet loads. 1 point = 1Rs.

But only can be redeemed for items at mrp from indusind right?

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saitama wrote:

But only can be redeemed for items at mrp from indusind right?

if you are talking about redeeming reward points, then indusind rps can be redeemed against statement credit, which is hassle free

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dev007 wrote:

if you are talking about redeeming reward points, then indusind rps can be redeemed against statement credit, which is hassle free

Oh did not knew that, that means 1 rp = 1rs in statement?

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saitama wrote:

But only can be redeemed for items at mrp from indusind right?

No you can get statement credit also.

Missing