Fi vs Jupiter vs Niyo for electronics from US

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Deal Cadet
some1anywher...

I want to purchase a Samsung SSD from some US website - Amazon, eBay, Newegg, B&H or BestBuy - depending on wherever the deal is cheaper on the day I purchase.

I have Fi (Federal Bank), Jupiter (Federal Bank) and Niyo Global (by SBM) cards.

Which would be the best for a purchase of approximately ₹30K ($375) with 0% forex markup/no international transaction or currency conversion charges?

I read that Jupiter now only allows 0% forex charges up to ₹25000 so that is out of the question. Lately, I heard some horror stories of Fi and read tons and tons of complaints on Twitter and desidime about how many people's Fi accounts were suddenly and randomly blocked WITHOUT ANY EXPLANATION OR WARNING and their customer service was not even responding.

So is Niyo Global (by SBM bank) safe for such a purchase or should I use Fi only or Jupiter, despite charges? Which is the safest and best without getting my account blocked or unknown hidden charges?

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Cool Cool
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I can help with a credit card and you don't have to pay any extra charges for it i.e. Rs 0 Foreign currency conversion charges on the transaction amount.

I always use it for international transactions and these are my recent purchases. 

https://cdn0.desidime.com/attachments/photos/799989/original/Screenshot_114.png?1661715195

Cool Cool
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itsmehd5 wrote:
@Ransome  I also hv HDFC Regalia Mastercard LTF....Is your Regalia business variant? Is it not similar to HDFC Regalia that is issued normally? Please enlighten...Also can I use Regalia for international transactions with no extra fees? 
Yeah, mine is a Business variant but I don't think there's any significant difference between Regalia and Business Regalia, at least I don't know any. 
Yeah, you can use it for international transactions without paying any foreign currency conversion charges on the transaction amount of up to Rs 1 lacs per month. Here is how it works:
Let's say you want to make a purchase of Rs 30,000. So, you pay 2.36% FCC (2% + GST) on the transaction amount. Regalia gives 1.33% returns as reward points. The remaining 1%, you can recover in your card statement by enrolling in HDFC Global Value Program. At a one-time fee of Rs 199 + GST, you get 1% cashback up to Rs 1,000 in the next statement. So, although you'll be charged Rs 708 as FCC on Rs 30k, you'll be able to recover almost all of it through reward points (Rs 399) and 1% GVP cashback (Rs 300). Let's not consider the one-time fees of Rs 236. 
To sign up for the Global Value Program, you'll have to contact customer care and ask them to register. Also, don't forget to call them after 10 days to verify if you've been registered on the program or not. Once you're successfully registered, you'll see the fees of Rs 236 in your next statement.

Edit: Also, please note that almost all international transactions do not require OTP. 

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Deal Cadet Deal Cadet
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I’ll suggest to use Jupiter.. you will be saving charges on 25k.. only need to pay for rest 5k.

Cool Cool
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I can help with a credit card and you don't have to pay any extra charges for it i.e. Rs 0 Foreign currency conversion charges on the transaction amount.

I always use it for international transactions and these are my recent purchases. 

https://cdn0.desidime.com/attachments/photos/799989/original/Screenshot_114.png?1661715195

Deal Cadet Deal Cadet
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Ransome wrote:

I can help with a credit card and you don't have to pay any extra charges for it i.e. Rs 0 Foreign currency conversion charges on the transaction amount.

I always use it for international transactions and these are my recent purchases. 

https://cdn0.desidime.com/attachments/photos/799989/original/Screenshot_114.png?1661715195

What's the name of the card & variant @Ransome
Deal Cadet Deal Cadet
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Ransome wrote:
HDFC Business Regalia, Visa. 
@Ransome  I also hv HDFC Regalia Mastercard LTF....Is your Regalia business variant? Is it not similar to HDFC Regalia that is issued normally? Please enlighten...Also can I use Regalia for international transactions with no extra fees? 
Cool Cool
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itsmehd5 wrote:
@Ransome  I also hv HDFC Regalia Mastercard LTF....Is your Regalia business variant? Is it not similar to HDFC Regalia that is issued normally? Please enlighten...Also can I use Regalia for international transactions with no extra fees? 
Yeah, mine is a Business variant but I don't think there's any significant difference between Regalia and Business Regalia, at least I don't know any. 
Yeah, you can use it for international transactions without paying any foreign currency conversion charges on the transaction amount of up to Rs 1 lacs per month. Here is how it works:
Let's say you want to make a purchase of Rs 30,000. So, you pay 2.36% FCC (2% + GST) on the transaction amount. Regalia gives 1.33% returns as reward points. The remaining 1%, you can recover in your card statement by enrolling in HDFC Global Value Program. At a one-time fee of Rs 199 + GST, you get 1% cashback up to Rs 1,000 in the next statement. So, although you'll be charged Rs 708 as FCC on Rs 30k, you'll be able to recover almost all of it through reward points (Rs 399) and 1% GVP cashback (Rs 300). Let's not consider the one-time fees of Rs 236. 
To sign up for the Global Value Program, you'll have to contact customer care and ask them to register. Also, don't forget to call them after 10 days to verify if you've been registered on the program or not. Once you're successfully registered, you'll see the fees of Rs 236 in your next statement.

Edit: Also, please note that almost all international transactions do not require OTP. 

Deal Cadet Deal Cadet
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I'd like to add if you have OneCard, there's only 1% forex markup. Simple solution than many convoluted ways... @some1anywhere964

Deal Cadet Deal Cadet
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agnivo007 wrote:

I'd like to add if you have OneCard, there's only 1% forex markup. Simple solution than many convoluted ways... @some1anywhere964

Yes I have OneCard with 1 lakh limit by South Indian Bank 🙂 If Niyo Global by SBM doesn't work, I will use Jupiter or OneCard.

Finance Ninja Finance Ninja
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Fi has 0 forex charges on international transactions. It's a no brainer to use that
Deal Newbie Deal Newbie
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Bro if u have one card use that as it has insurance only 1% charge ie 400-500 rs but incase of cancellation it's the best I used it on Amazon us when i am in miami even refund comes in 2 days in debit card u have to wait forever also there is otp in us so direct swipe 

Deal Newbie Deal Newbie
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n02502327279353 wrote:

Bro if u have one card use that as it has insurance only 1% charge ie 400-500 rs but incase of cancellation it's the best I used it on Amazon us when i am in miami even refund comes in 2 days in debit card u have to wait forever also there is otp in us so direct swipe 

Also u can swipe in lks if u have limit as i did also but but 1 week prime membership for 7 days next day delivery and lot of offer u will can a lot of stuff for cheap in Amazon us Firesticks and electronics have extra discount for prime membership it's 2 $ only

Deal Newbie Deal Newbie
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n02502327279353 wrote:

Bro if u have one card use that as it has insurance only 1% charge ie 400-500 rs but incase of cancellation it's the best I used it on Amazon us when i am in miami even refund comes in 2 days in debit card u have to wait forever also there is otp in us so direct swipe 

Also with onecard if you spend a few bucks in two other categories(eg, food, cab), apart from your amazon transaction, you get 5x the points which equate to 1% rewards return, effectively cancelling the 1% forex charges. You can claim them a few days after the billing period. Seems easier without any hassle.
Deal Newbie Deal Newbie
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Ransome wrote:
Yeah, mine is a Business variant but I don't think there's any significant difference between Regalia and Business Regalia, at least I don't know any. 
Yeah, you can use it for international transactions without paying any foreign currency conversion charges on the transaction amount of up to Rs 1 lacs per month. Here is how it works:
Let's say you want to make a purchase of Rs 30,000. So, you pay 2.36% FCC (2% + GST) on the transaction amount. Regalia gives 1.33% returns as reward points. The remaining 1%, you can recover in your card statement by enrolling in HDFC Global Value Program. At a one-time fee of Rs 199 + GST, you get 1% cashback up to Rs 1,000 in the next statement. So, although you'll be charged Rs 708 as FCC on Rs 30k, you'll be able to recover almost all of it through reward points (Rs 399) and 1% GVP cashback (Rs 300). Let's not consider the one-time fees of Rs 236. 
To sign up for the Global Value Program, you'll have to contact customer care and ask them to register. Also, don't forget to call them after 10 days to verify if you've been registered on the program or not. Once you're successfully registered, you'll see the fees of Rs 236 in your next statement.

Edit: Also, please note that almost all international transactions do not require OTP. 

Do the reward points expire for both 1.33% or 1%? Can the reward points be converted to cash or need to purchase something? I have business regalia and I didn't know this😮
Cool Cool
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respoiler wrote:
Do the reward points expire for both 1.33% or 1%? Can the reward points be converted to cash or need to purchase something? I have business regalia and I didn't know this😮
The 1.33% reward points expire after 2 years. The best way to use the points is by redeeming them for gift vouchers or air miles instead of converting them to cash. The 1% cashback earned is credited in the next statement in Rupees. 
Deal Lieutenant Deal Lieutenant
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Which ssd is this op?
Deal Cadet Deal Cadet
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kukdookoo wrote:
Which ssd is this op?

Samsung SATA 870 EVO 4 TB 2.5" internal SSD. I got in a deal from eBay for $350 ($376 including tax).

Deal Lieutenant Deal Lieutenant
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some1anywhere964 wrote:

Samsung SATA 870 EVO 4 TB 2.5" internal SSD. I got in a deal from eBay for $350 ($376 including tax).

no customs on this?if they will send thru bubble wrap then customs will surely open it and when they repack they dont use bubble wrap. can this cause damage to sectors in transit?
international warranty by samsung?
Deal Cadet Deal Cadet
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I get it shipped to someone who's returning to India. I don't need warranty on Samsung SSDs, they are pretty solid. In any case, someone from family always going to US.

Deal Cadet Deal Cadet
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n02502327279353 wrote:

Bro if u have one card use that as it has insurance only 1% charge ie 400-500 rs but incase of cancellation it's the best I used it on Amazon us when i am in miami even refund comes in 2 days in debit card u have to wait forever also there is otp in us so direct swipe 

Cc - 3-5 days max, dc - 5 to 10 in US

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