I want to know which credit card will be best for me?

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Currently I spend 30k as house rent in payzapp per month.

3k is spent in paymatrix via mobikwik for house maintenance per month.

10k is spent in wallet like Amazon, paytm, phonepe per month.

Which credit card will be best for me based on this spending pattern.

I do not need any flight voucher. My goal is to earn 15k cashback every year.

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4.2% reward is ambitious goal.

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First of all, do you qualify for any uninsured credit card?

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Roushh wrote:

4.2% reward is ambitious goal.

How 4.2%? It is coming 2.9%
43000 × 12 = 516000
15000 is 2.9% of 516000

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harshit0509 wrote:

How 4.2%? It is coming 2.9%
43000 × 12 = 516000
15000 is 2.9% of 516000

Oh… I thought his monthly usage is 30k.
Based on 43k per month, it will be 2.9%.

3% rewards is doable.

SBI SimplyCLICK can work. It has 1.25% CB on all online trx and 2.5% on partner sites like Amazon, BookMyShow, Cleartrip etc and then milestone rewards. 1.25% even with wallet load Paytm and Amazon Pay.
Then ~ 1% back via CRED.

https://www.sbicard.com/en/personal/credit-card...

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But I do not want clear trip voucher from Sbi simply click as it is of no use to me.

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Roushh wrote:

Oh… I thought his monthly usage is 30k.
Based on 43k per month, it will be 2.9%.

3% rewards is doable.

SBI SimplyCLICK can work. It has 1.25% CB on all online trx and 2.5% on partner sites like Amazon, BookMyShow, Cleartrip etc and then milestone rewards. 1.25% even with wallet load Paytm and Amazon Pay.
Then ~ 1% back via CRED.

https://www.sbicard.com/en/personal/credit-card...

And additional cleartrip vouchers of 2 × 2k on reaching 1L and 2L milestone , 2% that also.

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sidmanraj731 wrote:

But I do not want clear trip voucher from Sbi simply click as it is of no use to me.

U can sell it , u can get approx 1500 per voucher. So then also additional 1.5%

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HDFC Millennia Credit Card
CashBack Benefits
Earn 5% CashBack on all spends/shopping via PayZapp and SmartBuy up to a maximum CashBack of ₹750 per month*. (Minimum transaction size to avail the CashBack is ₹2000)
Earn 2.5% CashBack on all online shopping/spends done on other websites or apps up to a maximum CashBack of ₹750 per month*. (Minimum transaction size to avail the CashBack is ₹2000)
Earn 1% CashBack on all offline spends, Wallet reloads, point-of-sale spends and other swipes up to a maximum CashBack of ₹750 per month*. (It is not applicable on fuel transactions. Minimum transaction size to avail the CashBack is ₹100)
All CashBack benefits are also applicable on EMI transactions.

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As your yearly expenses is appx 5 lac you must be earning 10 lac appx, keep 7-8 lac fd with hdfc get HDFC DCB, appx 33% rewards on smartbuy, other spebd 1.5-2% reward u can buy flipkart vouchers for 50 paise per reward points.

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sidmanraj731 wrote:

But I do not want clear trip voucher from Sbi simply click as it is of no use to me.

Sell the vouchers you are not using. You can easily sell them for 20-25% discount on DD. 15% if you are lucky. So 4000 rs Cleartrip voucher will give you 3000 rs easily.

Also, fee reversal on 1L rs annual spent.

It’s a pretty good card for you.

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So Which is better between SBI simply click and HDFC millennium credit card

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But HDFC DCB does not give reward points for wallet transaction. My House rent is paid through payzapp wallet.

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sidmanraj731 wrote:

So Which is better between SBI simply click and HDFC millennium credit card

I think SBI as in HDFC you have to keep track of all cashbacks (they give after 100 days approx….90 they say only…..u have to email also sometimes for cashback)

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Roushh wrote:

Oh… I thought his monthly usage is 30k.
Based on 43k per month, it will be 2.9%.

3% rewards is doable.

SBI SimplyCLICK can work. It has 1.25% CB on all online trx and 2.5% on partner sites like Amazon, BookMyShow, Cleartrip etc and then milestone rewards. 1.25% even with wallet load Paytm and Amazon Pay.
Then ~ 1% back via CRED.

https://www.sbicard.com/en/personal/credit-card...

मेरे पास simply click sbi card है पर मुझे 1.25% cashback नही मिलता
मुझे बताये की कैसे ये cashback मिलता है

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s_u_r wrote:

मेरे पास simply click sbi card है पर मुझे 1.25% cashback नही मिलता
मुझे बताये की कैसे ये cashback मिलता है

In reward points.

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Use sbi simply save cc more cash back than simply click

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sidmanraj731 wrote:

But HDFC DCB does not give reward points for wallet transaction. My House rent is paid through payzapp wallet.

I thought wallet load does not give points, but transaction done on wallet but paid directly by card are eligble for points . Can someone plz confirm ..

Edit: just called customer support and confirmed. We get points for direct payment via card on wallet. wallet load is excluded from rewards.

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indiansoul wrote:

I thought wallet load does not give points, but transaction done on wallet but paid directly by card are eligble for points . Can someone plz confirm ..

Edit: just called customer support and confirmed. We get points for direct payment via card on wallet. wallet load is excluded from rewards.

Any transaction done on any merchant via wallet is routed in a way where they first load wallet & then pay so biller name comes as wallet
Payzapp is exception, they allow direct payment so merchant name comes as biller

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A2Zdeals wrote:

Any transaction done on any merchant via wallet is routed in a way where they first load wallet & then pay so biller name comes as wallet
Payzapp is exception, they allow direct payment so merchant name comes as biller

plus1 right .. I checked with support for PayZapp specifically .. it may not be true for other wallets.
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Which credit card is best for offline spends?
Amazon pay ICICI or simply click?

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kipte.khoka wrote:

Which credit card is best for offline spends?
Amazon pay ICICI or simply click?

sbi simplyadvantage,it gives same 2.5% worth reward points for all offline transactions.

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Can anyone share paymatrix referal code

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A2Zdeals wrote:

Any transaction done on any merchant via wallet is routed in a way where they first load wallet & then pay so biller name comes as wallet
Payzapp is exception, they allow direct payment so merchant name comes as biller

Paypal also works in same manner by linked card though it has no choice because paypal in India does not operate wallet service. One doubt,payzapp site/app mentions qr code scan compatibility as BharatQR code but don’t mention upi QR code & most shopkeepers have upi qr code not bharatqr code.

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guest_999 wrote:

sbi simplyadvantage,it gives same 2.5% worth reward points for all offline transactions.

You mean SBI SimplySave I believe. Advantage version of SimplyClick and SimplySave are basically secured cards issued against a FD.

Missing