Which one is the best Credit Card for regular use?

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From few days HDFC is offering me a lifetime free credit card with limit up to 95k.

My hands on salary is like 30k per month. Please suggest me about credit cards and which one is tension free in comparison with good offers. Thanks

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Royal Challengers Bangalore Royal Challengers Bangalore
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Infinia
DCB
Regalia Business
Millenia
Regalia First

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What all cards are being offer ?

Hotshot Hotshot
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Take millennia

Deal Cadet Deal Cadet
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Millennia

Deal Lieutenant Deal Lieutenant
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Mile naya

Cool Cool
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what are the features of Millennia?

Deal Subedar Deal Subedar
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Super Premium – HDFC Infinia
Premium/Basic – AXIS ACE

Delhi Capitals Delhi Capitals
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Best is amex mrcc 4.56% return as base and accelerated return on amazon flipkart of 9.12% for spend of 20k/month

Pm me for referral

Deal Lieutenant Deal Lieutenant
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demerius2020 wrote:

Best is amex mrcc 4.56% return as base and accelerated return on amazon flipkart of 9.12% for spend of 20k/month

Pm me for referral

Abhi application chal raha hai kya bhai, referral bhool jayega koi abhi dediya tho

Deal Newbie Deal Newbie
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demerius2020 wrote:

Best is amex mrcc 4.56% return as base and accelerated return on amazon flipkart of 9.12% for spend of 20k/month

Pm me for referral

How is this calculated ?

Deal Subedar Deal Subedar
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demerius2020 wrote:

Best is amex mrcc 4.56% return as base and accelerated return on amazon flipkart of 9.12% for spend of 20k/month

That’s so wrong.

Base is 0.8%. Upto 10% is in its monthly rewards only.

Only if you spend 2.4L in a year, it gives you a return of minimum 4.6% as Amazon voucher

Its acceptance in tier 2 & 3 cities is very low.

Delhi Capitals Delhi Capitals
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demerius2020 wrote:

Best is amex mrcc 4.56% return as base and accelerated return on amazon flipkart of 9.12% for spend of 20k/month

Pm me for referral

Correction plz i counted 1000 points 1500*4 and 1000 for 20k+ Citing them as base i was talking about 20k+ spend

Delhi Capitals Delhi Capitals
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Ramta_Jogi wrote:

That’s so wrong.

Base is 0.8%. Upto 10% is in its monthly rewards only.

Only if you spend 2.4L in a year, it gives you a return of minimum 4.6% as Amazon voucher

Its acceptance in tier 2 & 3 cities is very low.

I was talkin history of my case , i live in delhi and just recharged paytm wallet , paytm wallet has very much of accepitibilty here earlier it didnt had this limit

Hunk Hunk
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Ok. Bhai, your monthly salary is 30k i.e. 360000 per annum. You must have expenses and savings. Bill payments, insurance premium and online n offline super market purchases can be made via credit card. Just analyse your spending pattern. Then calculate how much of them could be done by online route. SIPs can’t be paid by credit cards.

ICICI Amazon Pay is a great credit card. It gives 5% cashback to Amazon prime members on Amazon purchases, 2% on Bill Payment done on Amazon platform, 1% on purchases outside of Amazon. Ltf card. demerit can’t be added on Google Pay
HDFC moneyback plus it can be easily availed from HDFC. They ask for purchase of 30k within 90 days of acceptance of cards to make the card Ltf. Go for it. Google Pay support is there I guess.
Flipkart Axis credit card is good. It’s better than icici Amazon pay because it gives 1.5% cashback on transactions done on outside of Flipkart platform. I think it can be added on Google Pay

There are cards like Axis ACE, Axis Google Pay and Axis FreeCharge card. They have AMC and they can be waived off after spending 2lakhs in a year. So, if they are being obtained for grabbing an axis Flipkart card then okay. Otherwise you ll be taking the card n they you ll be looking for methods to make it 2 lakhs. It’s not worth the effort. 🙂 That’s it.

Deal Cadet Deal Cadet
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SbI simplyclick was very good card but not it becomes les rewarding so now I have started using HDFC moneyback+ card.

Deal's Advocate Deal's Advocate
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bikidas2060 wrote:

Ok. Bhai, your monthly salary is 30k i.e. 360000 per annum. You must have expenses and savings. Bill payments, insurance premium and online n offline super market purchases can be made via credit card. Just analyse your spending pattern. Then calculate how much of them could be done by online route. SIPs can’t be paid by credit cards.

ICICI Amazon Pay is a great credit card. It gives 5% cashback to Amazon prime members on Amazon purchases, 2% on Bill Payment done on Amazon platform, 1% on purchases outside of Amazon. Ltf card. demerit can’t be added on Google Pay
HDFC moneyback plus it can be easily availed from HDFC. They ask for purchase of 30k within 90 days of acceptance of cards to make the card Ltf. Go for it. Google Pay support is there I guess.
Flipkart Axis credit card is good. It’s better than icici Amazon pay because it gives 1.5% cashback on transactions done on outside of Flipkart platform. I think it can be added on Google Pay

There are cards like Axis ACE, Axis Google Pay and Axis FreeCharge card. They have AMC and they can be waived off after spending 2lakhs in a year. So, if they are being obtained for grabbing an axis Flipkart card then okay. Otherwise you ll be taking the card n they you ll be looking for methods to make it 2 lakhs. It’s not worth the effort. 🙂 That’s it.

Bro.. how to know if hdfc money-back card has become Ltf? I got the card on September.. and completed 50k transaction in October..got the second statement yesterday..but no information about Ltf in statement..
Any guidance please..

Deal Cadet Deal Cadet
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sujith8786 wrote:

Bro.. how to know if hdfc money-back card has become Ltf? I got the card on September.. and completed 50k transaction in October..got the second statement yesterday..but no information about Ltf in statement..
Any guidance please..

by writing email to grievance dot redressalcc at the rate hdfcbank dot com.
Note: here dot means fullstop and at the rate means @

Deal's Advocate Deal's Advocate
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narayana1dd249 wrote:

by writing email to grievance dot redressalcc at the rate hdfcbank dot com.
Note: here dot means fullstop and at the rate means @

Thanks bro.. I’ll try

Delhi Capitals Delhi Capitals
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amex , recently they offer 50% discount .. ask me for refer code

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