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Please suggest Best Credit Card under 4000 Fee

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Desidime User

Hi

I am activating 5% milestone, 10× online & offline options and paying 4k+ for au lit cc . I feel like it's not worth. So is there any good card, if we pay around 4k fee or below

Thank you

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Deal Cadet Deal Cadet
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Tata Neu infinity (One Solution for all)

5% upto 25k on all payments


Deal Cadet Deal Cadet
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@Desidime User

Will share with you i have screenshot, but can't find it for now.

Deal Cadet Deal Cadet
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IMG6331

✌️ @I_AM_5RAV5

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35 Dimers
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Benevolent Benevolent
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What is your spend pattern? 

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Middle class family: 

Groceries, mostly fk and dmart

Fuel around 4k

Normal recharges and bill payments

School fee and insurance,gold purchase

Helpful Helpful
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Axis ace seems best considering your requirements

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Generous Generous
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Sbi cashback card and flipkart axis seems to be worth your while. Totally comes to 1.5k

Cool Cool
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SBI Cashback, Amex MRCC

Deal Cadet Deal Cadet
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Tata Neu infinity (One Solution for all)

5% upto 25k on all payments


Super Stud Super Stud
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Problem in insurance payments are not applicable.

If insurance payment are applicable. This would be the best card.
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Helpful Helpful
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Au lit is Ltf how r u paying 4K? R u talking abt rewards?

Deal Cadet Deal Cadet
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SBI Prime Card amd SBI Cashback Card

Deal Newbie Deal Newbie
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The best card for you will be Tata new infinity Rupay if you are ready to switch to Tata brands. It does give rewards for education and insurance (limit 2k) plus decent 1.5% for all other spends. Bill pay through Neu app can earn you 5% coins.

Axis cards exclude insurance and education payments.

Amazon ICICI card will be another option and will reward you better if you switch to Amazon shopping.Amex MRCC is also a decent option if used wisely. FK and DMart accepts Amex. Buy insta vouchers for other spends which includes amazon pay vouchers as well (use for bill pay )

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Don't know about education fee. But one of the dimers said we won't get neu coins on insurance payment.


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Deal Newbie Deal Newbie
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SBI VISTARA PRIME

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1st question on an average what is your yearly spend and how much you are getting back in % using lit card by paying Rs 4000
Critic Critic
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American express MRCC is good. HDFC Tata neu infinity also good.

If you are interested in Amex, you can DM me for details plus1

Deal Cadet Deal Cadet
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Amex MRCC if u have 20k spends per month.

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Amex not supporting to pay education fee 

Is there any other cc, which gives more than 1% ?

Deal Newbie Deal Newbie
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it all depends on what you wish to do with the points. if you want to use it for holidays/flights, then you need an acceleration card like the amex gold card or amex platinum travel or ur au card or regalia gold. if ur going to spend and get neu coins on tata neu, then u need to make 2500 a month to encash most bonuses on grocery/others. you will be stuck inside tata on their inflated pricing. if you just want cashback, then sbi im guessing should do the trick. pls note most school payment won’t take amex in their payment gateways.
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Any referral benefit for tataneu infinity card?

Post Emperor Post Emperor
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DM you a referral link

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Deal Newbie Deal Newbie
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also hdfc and Amex has the best customer support, u will struggle with sbi and others, I’ve personally experienced it that it’s highly frustrating.
Helpful Helpful
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Present i need cc for education spends

1 guy said hdfc is giving 1%, i am looking for more than 1%

And amex not supporting to pay fee

Is there any other cc?

Deal Newbie Deal Newbie
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You can go for American Express as well!

American Express SmartEarn™ Credit CardRs. 500 cashback as a Welcome Gift on eligible spends of Rs. 10,000 in the first 90 days of CardmembershipFirst Year Fee: Rs. 495 plus applicable taxes (Second Year onwards: Rs.495 plus applicable taxes)

  • Earn Accelerated Membership Rewards® points when you spend on Amazon, Flipkart, Uber, BookMyShow, and many more.
  • Earn vouchers worth ₹500 upon reaching the spend milestones of ₹1.20 lacs, ₹1.80 lacs, and ₹2.40 lacs respectively in a Cardmembership year.

image

Deal Newbie Deal Newbie
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Why fee? This the era of ltf

Post Tycoon Post Tycoon
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I applied for hdfc tata neu infinity card and sbi cashback card but always rejected.

I am having axis, icici, citi, bob, indusind, hsbc and I thought to close few of the card from these... Credit limit is 1.5 lac to 5 lac. Using credit card from last 13 years. No single late payment.

May I know What can be the reason of rejection? And how can it be possible?

Generous Generous
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my modus operandi was to keep appkying again and again untill they fed up and give u a preapproved offer
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Deal Newbie Deal Newbie
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AU bank Zenith card is good

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Is it ltf ?

How many rp per 100 ?

Will it give rp on education spends ?

Pro DealHunter Pro DealHunter
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check SC Smart Credit Card
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