Credit Card Analysis
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With the varied numbers of credit cards and the terms and conditions attached, here is an honest overview of the rewards (and how to analyse yourself) – whether the rewards are worth it in real or just marketing gimmick.
There are other websites and forum too on this topic, however my contribution is for DD Dosts to help them – underlying principle will be to maximize returns on cash in terms of cash itself, or vouchers equivalent to cash.
Factors that will be considered for each card are
1. Fees, including comments if the same can be taken free for life.
2. Best categories for earning highest rewards.
3. Best redemption options – in cash or equivalent to cash – not to include gifts/merchandise.
Terms used:
LTF = Life Time Free
Power Ratio is the money value of benefits in % – so if a card has ratio of 2.5% in fuel, it means you get benefit of Rs. 2.50 per Rs. 100 spent.
Edit: File uploaded
https://files.fm/u/zg...xx
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I have HSBC, Amex express membership rewards card, Indusind Aura and hdfc all miles CC.
I am looking to close a couple and get a new card, which gives me more rewards.
Suggestions ?
lets start the discussion :
1. Amex membership reward: 1000rs spent → 20 point → 2.4 conversion (18K gives 7.5K Rs. statement credit) → 8Rs (Extra rewards: 1000 points on 4 swipe per month)
+ Very aggressive marketing strategy. Looks one of best) / Year Free waiver upon spent 1.5L per year)
2. SC Manhattan : 1000rs spent → 20 point → 3.6 conversion → Rs 5 as amazon voucher (1000rs amazon voucher from 3600 point) → 5.5 amozon GC ( extra : 5% Statement credit max 150 per transaction on few Grocery stores). Lifetime free.
3. ICICI corals: 1000rs spent → 20 point → 4 conversion →Rs 5 as payback reward. ( Extra: BookMyshow: buy 1 get 1 movie ticket). Lifetime free
Please add yours to understand these better
Icici Rubyx American Express: 1000 Rs → 30 points → Rs 7.5 statement credit
How do i post image or excel?
you can upload it to google docs or office online excel sheet (https://office.live.com/start/Exce...px)
.
there is direct option from app but not sure of process from browser
@enticer86473 i added your image for you.
i simply copied the code from “HTML for Websites” from the site you uploaded and directly pasted above
Bro…. do you have any updated version of this… 
Not visible man
upload the full excel sheet …. use https://fi...fm .
choose your file
choose upload
then share the link (access link to file)
Minor correction to SBI SimplyClick benefits.
2.5% on Ola
https://www.desidime.com/forums/dost-and-dimes/...
Edit: Also, they updated T&C to say wallet transactions on partners will not accrue 10x rewards, and they cited this reason for not issuing 10x rewards for Amazon Pay Auto Reload txns via SimplyClick cards.
Amazon shopping txns continue to earn 10x rewards (2.5% in Rupee terms)
Amazon Pay Auto Reloads (haven’t tested AddMoney) earn the normal rate for Online txns (5x or 1.25% in Rupee terms)
Any transaction will earn 2.5% on Amazon, be it wallet load .
Anybody got the full excel file from OP ? Can you please share the file here
Link to Excel sheet posted
Hope there’s some utility to the file shared. Would wait for comments.
Anyway to get American membership rewards on basis of card to card
Didn’t understand
VU and karma given @enticer86473
Any further cards that need to be analysed??
Amex Gold credit card
Amex payback credit card
Citi rewards card
sbi simply save card
sc platinum rewards
sc landmark card
yes prosperity edge card
Yes Prosperity Rewards Plus card
hdfc moneyback card
kotak royale signature card
rbl moneytap card
above are few i can recollect as of now
will try to update the rewards details and upload to a google docs today when i get some time
Correct me if I am wrong
Amex For RS 100 spent we get 0.83 rs. Citi cashback for 100 spent we get .50 rs.
File link not working
Link is not working
@enticer86473 can you upload the excel with updated list?
These files have been permanently removed and cannot be restored
![[Price Drop] Lenovo IdeaPad Gaming 3 AMD Ryzen 7 Octa Core 6800H - (16 GB/512 GB SSD/Windows 11 Home/4 GB Graphics/NVIDIA GeForce RTX 3050) 15ARH7 Gaming Laptop](https://cdn1.desidime.com/topics/photos/1775824/medium/-original-imagzzebftghhzr4.jpeg?1713247203)
What are ur views for Amex gold charge card?