Suggestions for credit card

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Deal Cadet
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I have HDFC moneyback and ICICI Amazon pay. I use Amazon pay for bill payments and online shopping and moneyback for offline transactions. Need a good card, mainly for fuel and offline transactions. Would be better if LTF, will also go for spend based waiver cards.

18 Comments  |  
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Deal Cadet
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Annual Fee waived off on annual spends greater than Rs. 2,00,000
Seems a bit high for waiver confused

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suspended
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check hdfc bharat or indian oil cards for fuel(50k),
and offline transactions means?
if it’s for groceries, then check amex smartearn(40k)
hope it helps

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Deal Subedar
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Amex is best if you have 6L annual and above income.

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Deal Cadet
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sravz86 wrote:

check hdfc bharat or indian oil cards for fuel(50k),
and offline transactions means?
if it’s for groceries, then check amex smartearn(40k)
hope it helps

Amex smartearn- waiver available?

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Deal Cadet
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“Need a good card, mainly for fuel and offline transactions”

@dealcracker25

SBI SimplySave for Offline Transactions & SBI BPCL for Fuel…Both are easy to get cards specially the BPCL…They are not LTF but the annual fees are only 499+GST…

You can also consider SCB Platinum Rewards which provides good offers for offline & also online now a days…Joining & Annual Fees are 250+GST only…Easiest to get…

You can go for SCB Manhattan also with higher annual charge…

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Deal Cadet
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Sushrut.B wrote:

“Need a good card, mainly for fuel and offline transactions”

@dealcracker25

SBI SimplySave for Offline Transactions & SBI BPCL for Fuel…Both are easy to get cards specially the BPCL…They are not LTF but the annual fees are only 499+GST…

You can also consider SCB Platinum Rewards which provides good offers for offline & also online now a days…Joining & Annual Fees are 250+GST only…Easiest to get…

You can go for SCB Manhattan also with higher annual charge…

Will check the sbi cards.. looks like bpcl is a good option. Kg!

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Deal Lieutenant
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dealcracker25 wrote:

Thanks for the info. Kg!
Also, are there any referral bonuses for this card?

2,000 Membership Rewards® Points when they spend INR 5,000 in the first 90 days of Card Membership along with zero annual fees for the first year.
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Deal Subedar
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dealcracker25 wrote:

Will check the sbi cards.. looks like bpcl is a good option. Kg!

Always apply add on cards also in the beginning when u are going with sbi

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Deal Cadet
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suman1520 wrote:

Always apply add on cards also in the beginning when u are going with sbi

may i know the benefit for that?
I think if your spending is high in sales like BBD, GIF then it will be useful. Any other benefits?

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Deal Subedar
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gugaheri wrote:

may i know the benefit for that?
I think if your spending is high in sales like BBD, GIF then it will be useful. Any other benefits?

That’s the only benefit and it’s worth it…later u won’t be able to apply for add-on if u don’t reside in metros

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Deal Cadet
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SC titanium is also good
It will give 80cb on 2k fuel

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Deal Cadet
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Amex mrcc (3.5% returns) (pm me for ref code for free first yr)
Tata titanium(3%)

On getting amex mrcc for few month You will be given amex smartearn free as companion card

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Deal Cadet
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What is the quantum of Fuel and Offline transaction you are expecting to do in a year?

Apay Credit card is still one of the best LTF card out there. 1% for all offline spends + surcharge waiver across all pumps.

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