Hot Deal What is your estimated monthly credit card bills.

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Deal Cadet
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How much your average credit cards bills per month. Do you guys genuinely spend or just rotate credit cards money for cashbacks or for achieving milestones. Btw mine is 5-6K per month genuine spends.

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25-30K, sometimes 40K
All genuine

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Know someone who rotates monthly 3-4 lacs monthly by 10+ cards.

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Mine is genuine spend 1000rs or less only…

Remaining money is just rotation ordering for family relatives.

Mine is apay card.


Always prefer amazon.in And Combine With Cashback sites…


Apay card 5% Plus Cashback Site = Greater Than 5% For Each Order.

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~30k every month ( Only 4/7 CCs used on a consistent basis )

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About 10-12k genuine purchases

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3000 to 4000 per month. 😂

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around 6k per month, genuine spends

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soccergiants wrote:

Know someone who rotates monthly 3-4 lacs monthly by 10+ cards.

That’s is huge 😲

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Mufasa wrote:

That’s is huge 😲

Without rotation it is not possible to hit targets. 😂

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Around 20-30k personal and another 1-1.5lacs EB of company.

Last year, had cumulative spend of 46Lacs and was flagged by IT!

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Around 5k/month
I believe person living in tier 1 cities can easily spend more as they buy groceries and pay rent through CC’s only

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Bk100 wrote:

Without rotation it is not possible to hit targets. 😂

With rotation you can easily become target of IT department smiley

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cashif wrote:

Around 20-30k personal and another 1-1.5lacs EB of company.

Last year, had cumulative spend of 46Lacs and was flagged by IT!

Wow, hope you don’t repeat the mistake again, people are rotating money, paying bills for others, just to earn milestone rewards or Cashback…..

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cashif wrote:

Around 20-30k personal and another 1-1.5lacs EB of company.

Last year, had cumulative spend of 46Lacs and was flagged by IT!

Do banks consider total spends by a credit card in 1 FY or from the date of issue of card. Like if a credit card issued on 1 jan 2020 then 1 financial year for credit card will be considered from 1 Jan 2020 to 31 March 2021 or jan 2021? My SBI credit card was issued last September, till now I have spend 81K. SBI keep email to spend 19K more to hit the milestone for 2K amazon voucher. I thought my total spent has been reset on 31 March 2021 which is beginning new financial year. @guest_999 @Bk100

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Mufasa wrote:

Do banks consider total spends by a credit card in 1 FY or from the date of issue of card. Like if a credit card issued on 1 jan 2020 then 1 financial year for credit card will be considered from 1 Jan 2020 to 31 March 2021 or jan 2021? My SBI credit card was issued last September, till now I have spend 81K. SBI keep email to spend 19K more to hit the milestone for 2K amazon voucher. I thought my total spent has been reset on 31 March 2021 which is beginning new financial year. @guest_999 @Bk100

It would be your card anniversary year. In your case september 2020 to september 2021

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Mufasa wrote:

Do banks consider total spends by a credit card in 1 FY or from the date of issue of card. Like if a credit card issued on 1 jan 2020 then 1 financial year for credit card will be considered from 1 Jan 2020 to 31 March 2021 or jan 2021? My SBI credit card was issued last September, till now I have spend 81K. SBI keep email to spend 19K more to hit the milestone for 2K amazon voucher. I thought my total spent has been reset on 31 March 2021 which is beginning new financial year. @guest_999 @Bk100

Banks consider offer period. If banks say 6 month then it’s from feb 1then it end on jul1.

But IT purpose its always financial year counting happens banks give figures to IT April 1st to march 31st next year.

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Mufasa wrote:

Do banks consider total spends by a credit card in 1 FY or from the date of issue of card. Like if a credit card issued on 1 jan 2020 then 1 financial year for credit card will be considered from 1 Jan 2020 to 31 March 2021 or jan 2021? My SBI credit card was issued last September, till now I have spend 81K. SBI keep email to spend 19K more to hit the milestone for 2K amazon voucher. I thought my total spent has been reset on 31 March 2021 which is beginning new financial year. @guest_999 @Bk100

Do not go with assumptions. It can change from bank to bank. Better get in touch with their care, and get it clarified.

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runinc wrote:

It would be your card anniversary year. In your case september 2020 to september 2021

& for filling ITR related?

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30-35k per month for usual purchase.
APAY ICICI preferred.
Use HDFC if have target-based offer via smartbuy.
Also use Citi for mainly fuel.

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