Need help regarding credit card usage

67°
Deal Cadet
Ananthth

Today I’m going to buy jewellery in an offline showroom using credit Card. I’ve Amazon pay icici and HDFC regalia credit card. I want to know if Amazon card will give 1% cashback on offline jewellery shop or I’ve to use regalia card which gives around 1.3 %. Also please tell me whats the reward redemption charge in regalia Card

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Deal Subedar Deal Subedar
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Apay gives 1% outside amazon.. better use regalia

Deal Cadet Deal Cadet
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Okay what will be the difference between amazon and regalia. Reward redemption charge is there in hdfc??

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Deal Subedar Deal Subedar
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Regalia is good only if one can reach the bonus reward point milestone. It gives 15000 points for 5L spends and additional 5000 points for 8L spends. Better used Apay ICICI card if 5L target cannot be achieved.

Finance Ninja Finance Ninja
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10000 bonus points for 5L and additional 5000 points for 8L

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Tech Guru Tech Guru
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Not sure about exactly what happens, but as per
https://www.amazon.in/cbcc/mark...ge

1% is given on everything except fuel and gold.
So I guess it might depend on the merchant category code of the shop, or maybe since not yet misused 1% is given in jewellery shops.
Experienced users might be able to confirm though. I just wanted to point out the T&C.

Deal Cadet Deal Cadet
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Except gold grimacing grimacing I saw your post after I used my card 🥺

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