I want to know which credit card will be best for me?
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Currently I spend 30k as house rent in payzapp per month.
3k is spent in paymatrix via mobikwik for house maintenance per month.
10k is spent in wallet like Amazon, paytm, phonepe per month.
Which credit card will be best for me based on this spending pattern.
I do not need any flight voucher. My goal is to earn 15k cashback every year.
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How 4.2%? It is coming 2.9%
43000 × 12 = 516000
15000 is 2.9% of 516000
First of all, do you qualify for any uninsured credit card?
But I do not want clear trip voucher from Sbi simply click as it is of no use to me.
U can sell it , u can get approx 1500 per voucher. So then also additional 1.5%
HDFC Millennia Credit Card
CashBack Benefits
Earn 5% CashBack on all spends/shopping via PayZapp and SmartBuy up to a maximum CashBack of ₹750 per month*. (Minimum transaction size to avail the CashBack is ₹2000)
Earn 2.5% CashBack on all online shopping/spends done on other websites or apps up to a maximum CashBack of ₹750 per month*. (Minimum transaction size to avail the CashBack is ₹2000)
Earn 1% CashBack on all offline spends, Wallet reloads, point-of-sale spends and other swipes up to a maximum CashBack of ₹750 per month*. (It is not applicable on fuel transactions. Minimum transaction size to avail the CashBack is ₹100)
All CashBack benefits are also applicable on EMI transactions.
As your yearly expenses is appx 5 lac you must be earning 10 lac appx, keep 7-8 lac fd with hdfc get HDFC DCB, appx 33% rewards on smartbuy, other spebd 1.5-2% reward u can buy flipkart vouchers for 50 paise per reward points.
So Which is better between SBI simply click and HDFC millennium credit card
I think SBI as in HDFC you have to keep track of all cashbacks (they give after 100 days approx….90 they say only…..u have to email also sometimes for cashback)
But HDFC DCB does not give reward points for wallet transaction. My House rent is paid through payzapp wallet.
I thought wallet load does not give points, but transaction done on wallet but paid directly by card are eligble for points . Can someone plz confirm ..
Edit: just called customer support and confirmed. We get points for direct payment via card on wallet. wallet load is excluded from rewards.
Use sbi simply save cc more cash back than simply click
Which credit card is best for offline spends?
Amazon pay ICICI or simply click?
sbi simplyadvantage,it gives same 2.5% worth reward points for all offline transactions.
Can anyone share paymatrix referal code
4.2% reward is ambitious goal.