Need Card Suggestion [Mostly Offline Spends]

10k on fuel is on the higher side. y dont u check out sbi BPCL octane  card fees 1500, but u get back 1500 worth rewards for first year. and is free if he spends 2 lakhs a year. and this card also gives 2.5 % reward points on departmental, grocery spends which is on par if not better than premium cards for those specific spends

Del

karthi4052752 wrote:

10k on fuel is on the higher side. y dont u check out sbi BPCL octane  card fees 1500, but u get back 1500 worth rewards for first year. and is free if he spends 2 lakhs a year. and this card also gives 2.5 % reward points on departmental, grocery spends which is on par if not better than premium cards for those specific spends

Thanks. But the problem is the unavailability of BPCL petrol pumps nearby.

scb titanium card for fuel

au lit card for offline grocery and dept

axis iocl card for fuel spend, it's lifetime free these days

aggrox wrote:
Thanks. But the problem is the unavailability of BPCL petrol pumps nearby.

oh ok, location specific issue. if u can find a pump nearby it is worth it as rewards will be earned on all pos machines unlike other cards which needs their pos machine.

redemption though will be limited to certain pumps which can be done once in while when required

karthi4052752 wrote:
oh ok, location specific issue. if u can find a pump nearby it is worth it as rewards will be earned on all pos machines unlike other cards which needs their pos machine.

redemption though will be limited to certain pumps which can be done once in while when required

Don't you feel BoB Energie Card is better than SBI BPCL Octane?
It's easy to spend 50K/yr and make it a LTF card.

aggrox wrote:
Don't you feel BoB Energie Card is better than SBI BPCL Octane?
It's easy to spend 50K/yr and make it a LTF card.

Yes better card medium use case. But for 10 k pm octane is better. Bob card maximum reward point is 250 pm plus hp pay app cashback. Here it is 625 pm. Also if u using 10 pm for petrol alone, it is easy to spend 2 lakhs a year considering grocery spends

I see. Would you have suggested the same card if the fuel spends were around 5k?

Get SC ultimate.  Infinia is invite only and he won't get it 

Also get a IDFC or ICICI fastag and use it for fuel spend. No point getting card just for fuel. 😉

I never knew that I could use FastTag for Fuel. Thanks.

So, I can load FastTag with a CC, earn rewards and then use it for the fuel?

aggrox wrote:

I see. Would you have suggested the same card if the fuel spends were around 5k?

i will not suggest octane. it might be usefull if your grocery spends are  on the higher spends with total spends reaching 2 lakhs a year. otherwise the energie card looks good.

there  is another bpcl card by sbi with charges of 500 only and is waived off on spends of 50k . it gives 4.25% on fuel and 2.5% grocery
https://www.sbicard.com/en/personal/credit-card...

aggrox wrote:

I see. Would you have suggested the same card if the fuel spends were around 5k?

How do I use Fastag for fuel payment? What Fastag allows that ?

Manitian wrote:
How do I use Fastag for fuel payment? What Fastag allows that ?

IDFC and ICICI FastTag allows that. Do a Google search. I got to know about it yesterday itself.

karthi4052752 wrote:

10k on fuel is on the higher side. y dont u check out sbi BPCL octane  card fees 1500, but u get back 1500 worth rewards for first year. and is free if he spends 2 lakhs a year. and this card also gives 2.5 % reward points on departmental, grocery spends which is on par if not better than premium cards for those specific spends

But only if we use this card for fuel then difficult to get 2l limit for fee waiver

aneelg wrote:
But only if we use this card for fuel then difficult to get 2l limit for fee waiver

yes bro , i was suggesting for OP use case  10k pm plus grocery use which also gets good reward points

Any idea how Grocery or Departmental Store MCC is defined?

I want to make sure I get cashback on all of my non-fuel swipes.

Sudarshan61 wrote:

Get SC ultimate.  Infinia is invite only and he won't get it 

Also get a IDFC or ICICI fastag and use it for fuel spend. No point getting card just for fuel. 😉

Thanks. Why did you suggest FastTag for Fuel? I understand that there is a 0% fee, but how can I earn rewards from it?

aggrox wrote:
Thanks. Why did you suggest FastTag for Fuel? I understand that there is a 0% fee, but how can I earn rewards from it?

CC to FasTag is treated as utility payment..so you get CC rewards... Most CC won't give any reward on fuel.

Sudarshan61 wrote:

CC to FasTag is treated as utility payment..so you get CC rewards... Most CC won't give any reward on fuel.

1% Only Buddy. Also, Which sites do you recommend to recharge FastTag via Credit Card? I am only aware of Cred.

aggrox wrote:
1% Only Buddy. Also, Which sites do you recommend to recharge FastTag via Credit Card? I am only aware of Cred.

What do you mean by 1%?? 

Isn't Infinia invite only card?

cofeewithrushab860 wrote:

Isn't Infinia invite only card?

Reality check for OP.

😂

Sudarshan61 wrote:

What do you mean by 1%?? 

1% CB on most cards or SBI Card atleast 

cofeewithrushab860 wrote:

Isn't Infinia invite only card?

Not at all.

aggrox wrote:

Not at all.

How else do you get it?

cofeewithrushab860 wrote:

How else do you get it?

Get 30L+ Income or another card with a limit of atleast 5L

aggrox wrote:

Get 30L+ Income or another card with a limit of atleast 5L

And then mail bank for a C2C?

cofeewithrushab860 wrote:

And then mail bank for a C2C?

Yes. That's the way to go!