drsel
TF Prestige
Which card to use & where -- (01 Feb 2025)
This analysis of 'return on spends' is after deducting annual fees and also considering the welcome benefits--
1. Axis Magnus Burgundy (LTF) for--
a. Rent 3.36(ITC/ITH)--4.80%(Accor) <50k
b. Dining 3.36%(B) or 4.80%(A) + Extra 30% discount on EazyDiner, 900--1000 discount on 3000--3333 once a month. 50% b'day discount on EazyDiner max 3000 on 6000 once a year
c. ALL offline & ALL online 4.80/14.00% (except fuel, rent >50k, insurance, gold, jewellery, Govt, utilities, wallet, EMI, withdrawals)
Return 3.36--4.80% <1.5 lacs/month, 9.80--14.00% >1.5 lacs/month, no upper limit) if 5:4 Burgundy points transfer to Accor (Rs.1 value)
e. Education MCC offline & online 3.36 or 4.80/9.80 or 14.00%. Less 1.18% fee
12/200 points for spends <1.5 lacs come after 2--3 days.
23/200 bonus points for spends >1.5 lacs of the whole month are credited on M+2 basis on the 15th (45+ days)
eg. Jan 23/200 bonus points will come on 15 Mar.
2. Axis Magnus Burgundy (LTF) for--
a. Flights 16.8%(B) or 24%(A) on Traveledge 5x points
No convenience fee, no discount, upto 8% price markup.
Traveledge max 60K points on 2 lacs per calender mth (16.8--24%), 35 points/200 over 2 lacs (9.8--14%).
Traveledge 5x points come after 2--3 days.
b. International Lounge unlimited via Priority Pass (no spend reqd) + 4 guest visits (no spend reqd)
c. Airport Meet & Greet 4/calendar year
3. Axis Magnus Burgundy (LTF) for --
a. Flipkart 16.8--24% on Grabdeals 5x points
b. Apollo 3.5--6.5%, Jockey 8--11%, Bata 4.5--7.5%, Skechers 4.5--7.5% on Giftedge (not worth using)
Grabdeals max 5K points on 16666 per calender mth
Gyftr/Giftedge max spend 2.5 lacs per calender mth
Grabdeals 1x points come after 5 days.
Grabdeals 4x points of the whole month are credited on M+4 basis on the 25th (upto 120 days later).
eg. January 4x points will come by 03 May.
4. HDFC Infinia (Rs.2250) for--
a. Amazon pay (3.54% fee), Amazon shopping/ Flipkart, (2.95% fee) on Smartbuy 5x points (upto 10k per day/month
b. Myntra, Nykaa, Swiggy (no fee) on Smartbuy 5x points (upto 112500 per day/mth)
c. Flights on SmartBuy 5x points (upto 112500 per day/mth)
d. Hotels, Pharmeasy, IGP, Jockey (no fee) on Smartbuy 10x points (upto 49950 per day/mth)
e. International Lounge unlimited including all add ons via Priority Passes (no spend reqd)
f. Domestic Lounge unlimited including all add ons (no spend reqd)
g. ITC buffet 1+1 is 2900 for 2 (but 2+1 nights is inflated 30%)
1. BEST If points used for direct flights (Rs.1/70% points) on Smartbuy (considering 70% points & 12% discounting & fee)--
i. Return 12.96/12.15 (10.90)% for 5x Amazon pay 10k/mth (incl 3.54% fee)
ii. Return 13.55/12.71 (11.49)% for 5x Amazon shopping 10k/mth, Flipkart 10k/mth (incl 2.95% fee)
iii. Return 16.50/15.48 (14.44)% (for 5x) BigBasket (1.5k/mth), Blinkit (1.5k/mth), Myntra, Nykaa, Swiggy, Zomato, Flights
iv. Return 33.00/30.95 (28.88)% (for 10x) Hotels, Pharmeasy, IGP, Jockey
on buying airtickets on Smartbuy (70% points, 30% Infinia). Convenience fee extra, small price markup, (0.875%)
2A. If points are transferred to Accor or ITC (2:1 ratio, 100% points transfer) --
i. Return (for 5x Amazon pay) 5.30%, if 2:1 points transferred to Accor (Rs.1 value)
ii. Return (for 5x) 8.25%, if 2:1 points transferred to Accor (Rs.1 value)
iii. Return (for 10x) 16.50%, iReturn (for 5x) 8.33%, if 2:1 points transferred to Accor (Rs.1 value)f 2:1 points.
2B. If points are transferred to 6 airlines (2:1 ratio, 100% points transfer) --
i. Return (for 5x Amazon pay) 2.28--3.65 (3.21)% if 2:1 points transferred to Turkish, Avianca, British, Etihad (50p), United, Air Canada (50--80p value for economy flights)
ii. Return (for 5x) 4.13--6.60 (5.81)% if 2:1 points transferred to Turkish, Avianca, British, Etihad (50p), United, Air Canada (50--80p value for economy flights)
iii. Return (for 10x) 8.25--13.20 (11.62)% if 2:1 points transferred to Turkish, Avianca, British, Etihad (50p), United, Air Canada (50--80p value for economy flights)
2C. If points are transferred to 2 hotels, 7 airlines (1:1 ratio, 100% points transfer) --
i. Return (for 5x Amazon pay) 4.83--8.05 (7.08)%, if 1:1 points transferred to AirAsia (19p), KLM/Air France(10--25p), Finnair, Singapore (60--100p), Vietnam, Hainan, IHG (40p), Wyndham (40p)
ii. Return (for 5x) 6.60--11.00 (9.68)%, if 1:1 points transferred to AirAsia (19p), KLM/Air France(10--25p), Finnair, Singapore (60p), Vietnam, Hainan, IHG (40p), Wyndham (40p) (10--60p value for economy flights & cheapest room)
iii. Return (for 10x) 13.20--22.00 (19.36)%, if 1:1 points transferred to AirAsia (19p), KLM/Air France(10--25p), Finnair, Singapore (60p), Vietnam, Hainan, IHG (40p), Wyndham (40p) (10--60p value)
www.moolahgeeks.com
5. Axis Atlas (Rs.5900, 2500 miles) for--
a. Direct hotels, Agoda, direct airlines, Jet Privilege priva MCC 4511(online & offline)
Return 12.00/14.00/13.60/13.60% if 1:2 Atlas Edge miles transferred to Accor (Rs.1.20 value) based on target spends <3 lacs/3 lacs/7.5 lacs/15 lacs per card anniversary year.
No convenience fee, no discount, no price markup.
max 10K miles on 2 lacs per calender mth (10%), 2 miles/100 over 2 lacs per month (4%)
b. All offline & all online (except gold, jewellery, rent, insurance, Govt, utilities, fuel, wallet, EMI, withdrawals).
c. Education MCC offline & online
Return 4.80/6.80/6.40/6.40% less 1.18% fee, if 1:2 Atlas Edge miles transferred to Accor (Rs.1.20 value), based on target spends <3lacs (0 miles)/3 lacs (2500 miles)/7.5 lacs (2500 miles)/15 lacs (5000 miles) per card anniversary year.
2/100 or 5/100 miles credited after 2--3 days.
d. International Lounge 4/6/12 per year including all guests via QR code (no spend reqd).
Select airport & generate QR code at Intl lounge section of Atlas cc on Axis app to show at the intl lounge.
e. Domestic Lounge 8/12/18 per year including all guests (no spend reqd).
Swipe Atlas card directly at domestic Lounge
6a. Axis IOCL Rupay (Rs.590, get 1000 points)
UPI / scan QR code (max 5k per month)
Return 2.80--4.00%
Fuel--spend 100--4000 (max 5k per month)
Return 11.20%(B) or 16.00%(A)
6b. HDFC Tata Infinity Rupay (LTF) for--
UPI / scan QR code
Return 1.50--3.33% (1 on 34)
6c. Jupiter Rupay (LTF) for--
UPI / scan QR code
Return 0.40% or rarely 2.00% Shopping (best category) for UPI payments
6b. Yes Kiwi Rupay (LTF) for--
UPI / scan QR code
Return 2.00% cashback below 50k/year
Return 3.00% cashback 50k--100k/year
Return 4.00% cashback 100k--150k/year
Return 5.00% cashback above 150k/year
7a. HDFC Marriott (Rs.3540, get 1 night) for--
a. Domestic Lounge 12/year (no spend reqd)
b. International Lounge 12/year via Priority Pass (no spend reqd)
c. Marriott 1 night free stay (upto 15k points)
7b. Miles and more World Select (11800, get 15.5k miles) for--
a. Dining-- Extra 30% discount on EazyDiner 1000/3333 once a month. Also 50% discount on EazyDiner max 3000/6000 once a year.
b. Domestic Lounge 2/qtr, 8/yr (no spend reqd)
c. International Lounge 4/year via Priority Pass (no spend reqd)
7c. StanChart Ease my Trip (413) for--
Domestic Lounge 2/year (no spend reqd)
7d. Yes First Business card (LTF) for--
International lounge 6/yr inbuilt LoungeKey, DIRECT SWIPE US$1 (no spend reqd).
7e. Federal Celesta (LTF) for--
Domestic Lounge 4/qtr, 16/yr (no spend reqd)
International lounge 2/yr inbuilt LoungeKey, DIRECT SWIPE US$1 (no spend reqd).
ICICI Sapphiro (LTF for B school alumni) for--
International lounge 2/year via Dreamfolks card for Primary (no spend reqd)
8b. ICICI MMT Signature (1450) for--
International lounge 1/year via Dreamfolks card for Primary (no spend reqd)
8c. ICICI Emirates emerald (11800, get 10k miles) for--
International lounge unlimited via Dreamfolks card for Primary (no spend reqd)
9. Kotak White (LTF Privy league) for--
Govt.Taxes get 27000 vouchers (or ₹18900) for 12 lacs tax
Return 1.575-1.003 = 0.572%.
2k/6k/12k/19k/27k vouchers on 2/4/6/9/12 lacs spends per year
International Lounge 4/yr inbuilt Priority Pass, DIRECT SWIPE for Primary only (no spend reqd)
Domestic Lounge 2/qtr, 8/yr inbuilt Dreamfolks, for Primary only (no spend reqd)
10. SBI Cashback (Rs.1179) for--
a. Online (except Utility, Insurance, Fuel, Rent, Wallet, Education, Jewelry, Railways, Gift shops)
Return 5% cashback (max. 5000 on 1 lac).
b. Fuel--buy IOCL voucher on Park plus.
Return 2% + 5% cashback
c. Railways--buy MMT e-pay gift card at 7% discount (month end) on Amazon
Discount 7% + 5% cashback
11. Any Kotak/Federal/SBI/BOB card (----) for--6
Hotels (both domestic and international)
Discount 20--24% (upto 5000/7500/10000 per booking, per card) on Cleartrip.
12. Axis Airtel (Rs.590) for--
a. Airtel bills--prepaid, billing, broadband
Return 25% cashback (max. 250 on 1000 per statement/billing cycle)
b. Utility bills--Electricity, Gas, Water, DTH
Return 10% cashback (max. 250 on 2500 per statement/billing cycle)
c. Swiggy, Zomato
Return 10% cashback (max. 500 on 5000 per statement/billing cycle)
Cashback credited 3 days prior to the next statement/bill.
13. AU Lit (LTF) for--
a. Grocery (but not departmental Store)
Activate 3-- grocery, target, offline, for 353+353+353 fee for 3 months
Return 8.97% on 10k after deducting fees
b. Apparel (all clothing stores)
Activate 3--apparel, target, offline for 235+353+353 fee for 3 months.
Return 9.36% on 10k after deducting fees
14. Amex Platinum Travel (5900, get 12k points) for 4 lacs target spend on (except fuel, utilities, rent, wallet)
1st yr Return 7.50% @50p +10k Taj (6k)
2nd yr Return 6.03% @50p + 10kTaj (6k).
Offline low acceptance
Pay 5900 fee, get 2k+10k=12k points for spending 15k in 1st 90 days.
15a. Amex MRCC (FY 1180, get 6k points) 1500x4/month for--
a. Fuel--buy 1500 x 4 IOC voucher on Park+ app 1x.
Return 6.40% + 2.00% cashback.
Spend 4x1500 every month for 11 months to get 6000+12320=18320 pts (6k Apay)
b. Amazon pay on Gyftr Amex 2x
1st yr Return 6.14% (incl 1180, 0.885% fee, 6k points) Spend 4x1500 every month for 10 months to get 6000+12400=18400 pts (6k Apay).
Pay 1180 fee, get 2k+4k=6k points by spending 15k in 90 days.
15b. Amex Gold (FY 1180, get 6k points) 6x1000/month for--
a. Fuel only at HPCL (no surcharge)
Return 6.40% on Fuel at HPCL 1x. Spend 6x1000 every month for 11 months to get 6000+12320=18320 pts (6k Apay)
b. Fuel--buy 1000 x 6 Indian Oil voucher on Park+ app 1x. Spend 6x1000 every month for 11 months to get 6000+12320=18320 pts (6k Apay)
Return 6.40% + 2.00% cashback
c. Amazon pay on Gyftr Amex 5x
Return 8.10% on Amazon pay 5x, (incl 1180, 0.885% fee, 6k points)
Spend 6x1000 every month for 8 months to get 6000+12800=18800 pts (6k Apay)
Pay 1180 fee, get 2k+4k=6k points by spending 15k in 90 days
15c. SBI Octane (Rs.269) for--
Fuel only at BPCL
Return 6.25% cashback + 1% surcharge waiver
(only if you phone 18001801290 or (prefix local STD code) 39020202 and ask for the conversion of your points into cash)
15d. RBL Indian Oil Xtra (Rs.270) for--
Fuel only at IOCL
Return 7.50% cashback + 1% surcharge waiver
16. Yes Marquee (Rs.11800, get 40k points) for-
(Except Rent, Wallet, Recharge, withdrawals, Utilities , Insurance, Education, Government)
a. Indian online spends (some exceptions)
Return 4.50 (3.94)% (if you use points for flights
b. Indian offline spends (some exceptions)
Return 2.25 (1.97)% (if you use points for flights
b. Foreign online spends (4.50--1.18)
Return 3.32 (2.76)% (if you use points for flights
c. Foreign offline/swipe spends (2.25--1.18)
Return 1.07 (0.79)% (if you use points for flights
d. International Lounge unlimited DIRECT SWIPE for Primary & add on (no spend) + Guest 2/qtr
17a. Yes Reserv 3x (Rs.359+4130) for--
(Except Rent, Wallet, Recharge, withdrawals, Utilities , Insurance, Education, Government)
a. Indian online spends (some exceptions)
Return 6.00 (5.25)% (if you use points for flights)
b. Indian offline spends (some exceptions)
Return 4.50 (3.94)% (if you use points for flights)
c. Foreign online spends (6.00--2.07)
Return 3.93 (3.18)% (if you use points for flights)
d. Foreign offline/swipe spends (4.50--2.07)
Return 2.43 (1.87)% (if you use points for flights)
e. International Lounge 6/yr DIRECT SWIPE only Primary (no spend reqd)
17b. Yes Reserv 5x (Rs.359+5900) for--
Travel/Dining/Fashion/Healthcare
a. Indian online spends
Return 9.00 (7.88)% (if you use points for flights)
b. Indian offline spends
Return 7.50 (6.56)% (if you use points for flights)
c. Foreign online spends (9.00--2.07)
Return 6.93 (5.81)% (if you use points for flights)
d. Foreign offline/swipe spends (7.50--2.07)
Return 5.43 (4.49)% (if you use points for flights)
e. International Lounge 6/yr DIRECT SWIPE only Primary (no spend reqd)
18. Axis Privilege (Rs.1770, get 12.5k points) for--
ALL offline/online 2.50 lac target (except wallet, fuel, Govt taxes, education, utilities, rent, Gold/jewelry, insurance)
Return 4.00 (base) + 3.20 (2.5 lac target) = 7.20%
19. Axis Select (Rs.3540, get 10k points) for-
Grocery, Dept store, Apparel (max.20k spend per statement)
Return 4.00 (base) + 4.00 (2x) + 0.67 (3 lac target) = 8.67% on 3 lac / 8.00% on 2.4 lac
International Lounge 12/yr via Priority Pass for Primary (no spend reqd)
Bigbasket 500 on 3000
Swiggy 200 on 1000, use AXIS200
20. Axis Rewards (Rs.1180, get 5k points) for--
Dept store, Apparel, MCC 5399 (max.7k spend per statement)
Return (0.64) x 10 = 8.96%(B) or 12.80%(A)
Swiggy 150 on 500, use AXIS30
21. Axis Samsung Infinite (Rs.5900, get 30k points) for--
a. Samsung online/POS 10% cashback (max. cashback 5k/mth, 20k/yr)
b. Zomato, 1mg, Urban Co, BigBasket, Myntra
Return (2.80--4.00) x 3 = 8.40%(B) or 12.00%(A)
c. Foreign spends online/offline
Return (2.80--4.00) x 3 = (8.40--12.00) - 4.13 = 4.27%(B) or 7.87%(A)
Samsung welcome 30k points, 1x and 3x points of the whole month are credited on M+1 basis after 45-60 days.
22. Kotak Feast (Rs.590) for--
Restaurants, Pubs, Pizza, Coffee shop, fast food
Entertainment
Movies, Theatre
Return 10% cashback (max. 600 on 6000, first 5 spends below 4000). Min spend 5000/mth
23. HSBC Live+ (Rs.1180) for (only salaried employees)--
Restaurants, Pubs, Pizza, Coffee shop, fast food
Groceries
Zomato Swiggy food delivery
Return 10% cashback (max 1000 on 10000/mth)
24. IndusInd Tiger (LTF) for
Movies One FREE (500) BMS movie ticket every 6 mth
International Lounge 2/yr with Priority pass
Domestic Lounge 2/qtr, 8/yr (no spend reqd)
Golf 1 free class/qtr
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This analysis of 'return on spends' is after deducting annual fees and also considering the welcome benefits--
1. Axis Magnus Burgundy (LTF) for--
a. Rent 3.36(ITC/ITH)--4.80%(Accor) <50k
b. Dining 3.36%(B) or 4.80%(A) + Extra 30% discount on EazyDiner, 900--1000 discount on 3000--3333 once a month. 50% b'day discount on EazyDiner max 3000 on 6000 once a year
c. ALL offline & ALL online 4.80/14.00% (except fuel, rent >50k, insurance, gold, jewellery, Govt, utilities, wallet, EMI, withdrawals)
Return 3.36--4.80% <1.5 lacs/month, 9.80--14.00% >1.5 lacs/month, no upper limit) if 5:4 Burgundy points transfer to Accor (Rs.1 value)
e. Education MCC offline & online 3.36 or 4.80/9.80 or 14.00%. Less 1.18% fee
12/200 points for spends <1.5 lacs come after 2--3 days.
23/200 bonus points for spends >1.5 lacs of the whole month are credited on M+2 basis on the 15th (45+ days)
eg. Jan 23/200 bonus points will come on 15 Mar.
2. Axis Magnus Burgundy (LTF) for--
a. Flights 16.8%(B) or 24%(A) on Traveledge 5x points
No convenience fee, no discount, upto 8% price markup.
Traveledge max 60K points on 2 lacs per calender mth (16.8--24%), 35 points/200 over 2 lacs (9.8--14%).
Traveledge 5x points come after 2--3 days.
b. International Lounge unlimited via Priority Pass (no spend reqd) + 4 guest visits (no spend reqd)
c. Airport Meet & Greet 4/calendar year
3. Axis Magnus Burgundy (LTF) for --
a. Flipkart 16.8--24% on Grabdeals 5x points
b. Apollo 3.5--6.5%, Jockey 8--11%, Bata 4.5--7.5%, Skechers 4.5--7.5% on Giftedge (not worth using)
Grabdeals max 5K points on 16666 per calender mth
Gyftr/Giftedge max spend 2.5 lacs per calender mth
Grabdeals 1x points come after 5 days.
Grabdeals 4x points of the whole month are credited on M+4 basis on the 25th (upto 120 days later).
eg. January 4x points will come by 03 May.
4. HDFC Infinia (Rs.2250) for--
a. Amazon pay (3.54% fee), Amazon shopping/ Flipkart, (2.95% fee) on Smartbuy 5x points (upto 10k per day/month
b. Myntra, Nykaa, Swiggy (no fee) on Smartbuy 5x points (upto 112500 per day/mth)
c. Flights on SmartBuy 5x points (upto 112500 per day/mth)
d. Hotels, Pharmeasy, IGP, Jockey (no fee) on Smartbuy 10x points (upto 49950 per day/mth)
e. International Lounge unlimited including all add ons via Priority Passes (no spend reqd)
f. Domestic Lounge unlimited including all add ons (no spend reqd)
g. ITC buffet 1+1 is 2900 for 2 (but 2+1 nights is inflated 30%)
1. BEST If points used for direct flights (Rs.1/70% points) on Smartbuy (considering 70% points & 12% discounting & fee)--
i. Return 12.96/12.15 (10.90)% for 5x Amazon pay 10k/mth (incl 3.54% fee)
ii. Return 13.55/12.71 (11.49)% for 5x Amazon shopping 10k/mth, Flipkart 10k/mth (incl 2.95% fee)
iii. Return 16.50/15.48 (14.44)% (for 5x) BigBasket (1.5k/mth), Blinkit (1.5k/mth), Myntra, Nykaa, Swiggy, Zomato, Flights
iv. Return 33.00/30.95 (28.88)% (for 10x) Hotels, Pharmeasy, IGP, Jockey
on buying airtickets on Smartbuy (70% points, 30% Infinia). Convenience fee extra, small price markup, (0.875%)
2A. If points are transferred to Accor or ITC (2:1 ratio, 100% points transfer) --
i. Return (for 5x Amazon pay) 5.30%, if 2:1 points transferred to Accor (Rs.1 value)
ii. Return (for 5x) 8.25%, if 2:1 points transferred to Accor (Rs.1 value)
iii. Return (for 10x) 16.50%, iReturn (for 5x) 8.33%, if 2:1 points transferred to Accor (Rs.1 value)f 2:1 points.
2B. If points are transferred to 6 airlines (2:1 ratio, 100% points transfer) --
i. Return (for 5x Amazon pay) 2.28--3.65 (3.21)% if 2:1 points transferred to Turkish, Avianca, British, Etihad (50p), United, Air Canada (50--80p value for economy flights)
ii. Return (for 5x) 4.13--6.60 (5.81)% if 2:1 points transferred to Turkish, Avianca, British, Etihad (50p), United, Air Canada (50--80p value for economy flights)
iii. Return (for 10x) 8.25--13.20 (11.62)% if 2:1 points transferred to Turkish, Avianca, British, Etihad (50p), United, Air Canada (50--80p value for economy flights)
2C. If points are transferred to 2 hotels, 7 airlines (1:1 ratio, 100% points transfer) --
i. Return (for 5x Amazon pay) 4.83--8.05 (7.08)%, if 1:1 points transferred to AirAsia (19p), KLM/Air France(10--25p), Finnair, Singapore (60--100p), Vietnam, Hainan, IHG (40p), Wyndham (40p)
ii. Return (for 5x) 6.60--11.00 (9.68)%, if 1:1 points transferred to AirAsia (19p), KLM/Air France(10--25p), Finnair, Singapore (60p), Vietnam, Hainan, IHG (40p), Wyndham (40p) (10--60p value for economy flights & cheapest room)
iii. Return (for 10x) 13.20--22.00 (19.36)%, if 1:1 points transferred to AirAsia (19p), KLM/Air France(10--25p), Finnair, Singapore (60p), Vietnam, Hainan, IHG (40p), Wyndham (40p) (10--60p value)
How much are International Airline Miles worth in India? - moolahgeeks
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally.
www.moolahgeeks.com
5. Axis Atlas (Rs.5900, 2500 miles) for--
a. Direct hotels, Agoda, direct airlines, Jet Privilege priva MCC 4511(online & offline)
Return 12.00/14.00/13.60/13.60% if 1:2 Atlas Edge miles transferred to Accor (Rs.1.20 value) based on target spends <3 lacs/3 lacs/7.5 lacs/15 lacs per card anniversary year.
No convenience fee, no discount, no price markup.
max 10K miles on 2 lacs per calender mth (10%), 2 miles/100 over 2 lacs per month (4%)
b. All offline & all online (except gold, jewellery, rent, insurance, Govt, utilities, fuel, wallet, EMI, withdrawals).
c. Education MCC offline & online
Return 4.80/6.80/6.40/6.40% less 1.18% fee, if 1:2 Atlas Edge miles transferred to Accor (Rs.1.20 value), based on target spends <3lacs (0 miles)/3 lacs (2500 miles)/7.5 lacs (2500 miles)/15 lacs (5000 miles) per card anniversary year.
2/100 or 5/100 miles credited after 2--3 days.
d. International Lounge 4/6/12 per year including all guests via QR code (no spend reqd).
Select airport & generate QR code at Intl lounge section of Atlas cc on Axis app to show at the intl lounge.
e. Domestic Lounge 8/12/18 per year including all guests (no spend reqd).
Swipe Atlas card directly at domestic Lounge
6a. Axis IOCL Rupay (Rs.590, get 1000 points)
UPI / scan QR code (max 5k per month)
Return 2.80--4.00%
Fuel--spend 100--4000 (max 5k per month)
Return 11.20%(B) or 16.00%(A)
6b. HDFC Tata Infinity Rupay (LTF) for--
UPI / scan QR code
Return 1.50--3.33% (1 on 34)
6c. Jupiter Rupay (LTF) for--
UPI / scan QR code
Return 0.40% or rarely 2.00% Shopping (best category) for UPI payments
6b. Yes Kiwi Rupay (LTF) for--
UPI / scan QR code
Return 2.00% cashback below 50k/year
Return 3.00% cashback 50k--100k/year
Return 4.00% cashback 100k--150k/year
Return 5.00% cashback above 150k/year
7a. HDFC Marriott (Rs.3540, get 1 night) for--
a. Domestic Lounge 12/year (no spend reqd)
b. International Lounge 12/year via Priority Pass (no spend reqd)
c. Marriott 1 night free stay (upto 15k points)
7b. Miles and more World Select (11800, get 15.5k miles) for--
a. Dining-- Extra 30% discount on EazyDiner 1000/3333 once a month. Also 50% discount on EazyDiner max 3000/6000 once a year.
b. Domestic Lounge 2/qtr, 8/yr (no spend reqd)
c. International Lounge 4/year via Priority Pass (no spend reqd)
7c. StanChart Ease my Trip (413) for--
Domestic Lounge 2/year (no spend reqd)
7d. Yes First Business card (LTF) for--
International lounge 6/yr inbuilt LoungeKey, DIRECT SWIPE US$1 (no spend reqd).
7e. Federal Celesta (LTF) for--
Domestic Lounge 4/qtr, 16/yr (no spend reqd)
International lounge 2/yr inbuilt LoungeKey, DIRECT SWIPE US$1 (no spend reqd).
ICICI Sapphiro (LTF for B school alumni) for--
International lounge 2/year via Dreamfolks card for Primary (no spend reqd)
8b. ICICI MMT Signature (1450) for--
International lounge 1/year via Dreamfolks card for Primary (no spend reqd)
8c. ICICI Emirates emerald (11800, get 10k miles) for--
International lounge unlimited via Dreamfolks card for Primary (no spend reqd)
9. Kotak White (LTF Privy league) for--
Govt.Taxes get 27000 vouchers (or ₹18900) for 12 lacs tax
Return 1.575-1.003 = 0.572%.
2k/6k/12k/19k/27k vouchers on 2/4/6/9/12 lacs spends per year
International Lounge 4/yr inbuilt Priority Pass, DIRECT SWIPE for Primary only (no spend reqd)
Domestic Lounge 2/qtr, 8/yr inbuilt Dreamfolks, for Primary only (no spend reqd)
10. SBI Cashback (Rs.1179) for--
a. Online (except Utility, Insurance, Fuel, Rent, Wallet, Education, Jewelry, Railways, Gift shops)
Return 5% cashback (max. 5000 on 1 lac).
b. Fuel--buy IOCL voucher on Park plus.
Return 2% + 5% cashback
c. Railways--buy MMT e-pay gift card at 7% discount (month end) on Amazon
Discount 7% + 5% cashback
11. Any Kotak/Federal/SBI/BOB card (----) for--6
Hotels (both domestic and international)
Discount 20--24% (upto 5000/7500/10000 per booking, per card) on Cleartrip.
12. Axis Airtel (Rs.590) for--
a. Airtel bills--prepaid, billing, broadband
Return 25% cashback (max. 250 on 1000 per statement/billing cycle)
b. Utility bills--Electricity, Gas, Water, DTH
Return 10% cashback (max. 250 on 2500 per statement/billing cycle)
c. Swiggy, Zomato
Return 10% cashback (max. 500 on 5000 per statement/billing cycle)
Cashback credited 3 days prior to the next statement/bill.
13. AU Lit (LTF) for--
a. Grocery (but not departmental Store)
Activate 3-- grocery, target, offline, for 353+353+353 fee for 3 months
Return 8.97% on 10k after deducting fees
b. Apparel (all clothing stores)
Activate 3--apparel, target, offline for 235+353+353 fee for 3 months.
Return 9.36% on 10k after deducting fees
14. Amex Platinum Travel (5900, get 12k points) for 4 lacs target spend on (except fuel, utilities, rent, wallet)
1st yr Return 7.50% @50p +10k Taj (6k)
2nd yr Return 6.03% @50p + 10kTaj (6k).
Offline low acceptance
Pay 5900 fee, get 2k+10k=12k points for spending 15k in 1st 90 days.
15a. Amex MRCC (FY 1180, get 6k points) 1500x4/month for--
a. Fuel--buy 1500 x 4 IOC voucher on Park+ app 1x.
Return 6.40% + 2.00% cashback.
Spend 4x1500 every month for 11 months to get 6000+12320=18320 pts (6k Apay)
b. Amazon pay on Gyftr Amex 2x
1st yr Return 6.14% (incl 1180, 0.885% fee, 6k points) Spend 4x1500 every month for 10 months to get 6000+12400=18400 pts (6k Apay).
Pay 1180 fee, get 2k+4k=6k points by spending 15k in 90 days.
15b. Amex Gold (FY 1180, get 6k points) 6x1000/month for--
a. Fuel only at HPCL (no surcharge)
Return 6.40% on Fuel at HPCL 1x. Spend 6x1000 every month for 11 months to get 6000+12320=18320 pts (6k Apay)
b. Fuel--buy 1000 x 6 Indian Oil voucher on Park+ app 1x. Spend 6x1000 every month for 11 months to get 6000+12320=18320 pts (6k Apay)
Return 6.40% + 2.00% cashback
c. Amazon pay on Gyftr Amex 5x
Return 8.10% on Amazon pay 5x, (incl 1180, 0.885% fee, 6k points)
Spend 6x1000 every month for 8 months to get 6000+12800=18800 pts (6k Apay)
Pay 1180 fee, get 2k+4k=6k points by spending 15k in 90 days
15c. SBI Octane (Rs.269) for--
Fuel only at BPCL
Return 6.25% cashback + 1% surcharge waiver
(only if you phone 18001801290 or (prefix local STD code) 39020202 and ask for the conversion of your points into cash)
15d. RBL Indian Oil Xtra (Rs.270) for--
Fuel only at IOCL
Return 7.50% cashback + 1% surcharge waiver
16. Yes Marquee (Rs.11800, get 40k points) for-
(Except Rent, Wallet, Recharge, withdrawals, Utilities , Insurance, Education, Government)
a. Indian online spends (some exceptions)
Return 4.50 (3.94)% (if you use points for flights
b. Indian offline spends (some exceptions)
Return 2.25 (1.97)% (if you use points for flights
b. Foreign online spends (4.50--1.18)
Return 3.32 (2.76)% (if you use points for flights
c. Foreign offline/swipe spends (2.25--1.18)
Return 1.07 (0.79)% (if you use points for flights
d. International Lounge unlimited DIRECT SWIPE for Primary & add on (no spend) + Guest 2/qtr
17a. Yes Reserv 3x (Rs.359+4130) for--
(Except Rent, Wallet, Recharge, withdrawals, Utilities , Insurance, Education, Government)
a. Indian online spends (some exceptions)
Return 6.00 (5.25)% (if you use points for flights)
b. Indian offline spends (some exceptions)
Return 4.50 (3.94)% (if you use points for flights)
c. Foreign online spends (6.00--2.07)
Return 3.93 (3.18)% (if you use points for flights)
d. Foreign offline/swipe spends (4.50--2.07)
Return 2.43 (1.87)% (if you use points for flights)
e. International Lounge 6/yr DIRECT SWIPE only Primary (no spend reqd)
17b. Yes Reserv 5x (Rs.359+5900) for--
Travel/Dining/Fashion/Healthcare
a. Indian online spends
Return 9.00 (7.88)% (if you use points for flights)
b. Indian offline spends
Return 7.50 (6.56)% (if you use points for flights)
c. Foreign online spends (9.00--2.07)
Return 6.93 (5.81)% (if you use points for flights)
d. Foreign offline/swipe spends (7.50--2.07)
Return 5.43 (4.49)% (if you use points for flights)
e. International Lounge 6/yr DIRECT SWIPE only Primary (no spend reqd)
18. Axis Privilege (Rs.1770, get 12.5k points) for--
ALL offline/online 2.50 lac target (except wallet, fuel, Govt taxes, education, utilities, rent, Gold/jewelry, insurance)
Return 4.00 (base) + 3.20 (2.5 lac target) = 7.20%
19. Axis Select (Rs.3540, get 10k points) for-
Grocery, Dept store, Apparel (max.20k spend per statement)
Return 4.00 (base) + 4.00 (2x) + 0.67 (3 lac target) = 8.67% on 3 lac / 8.00% on 2.4 lac
International Lounge 12/yr via Priority Pass for Primary (no spend reqd)
Bigbasket 500 on 3000
Swiggy 200 on 1000, use AXIS200
20. Axis Rewards (Rs.1180, get 5k points) for--
Dept store, Apparel, MCC 5399 (max.7k spend per statement)
Return (0.64) x 10 = 8.96%(B) or 12.80%(A)
Swiggy 150 on 500, use AXIS30
21. Axis Samsung Infinite (Rs.5900, get 30k points) for--
a. Samsung online/POS 10% cashback (max. cashback 5k/mth, 20k/yr)
b. Zomato, 1mg, Urban Co, BigBasket, Myntra
Return (2.80--4.00) x 3 = 8.40%(B) or 12.00%(A)
c. Foreign spends online/offline
Return (2.80--4.00) x 3 = (8.40--12.00) - 4.13 = 4.27%(B) or 7.87%(A)
Samsung welcome 30k points, 1x and 3x points of the whole month are credited on M+1 basis after 45-60 days.
22. Kotak Feast (Rs.590) for--
Restaurants, Pubs, Pizza, Coffee shop, fast food
Entertainment
Movies, Theatre
Return 10% cashback (max. 600 on 6000, first 5 spends below 4000). Min spend 5000/mth
23. HSBC Live+ (Rs.1180) for (only salaried employees)--
Restaurants, Pubs, Pizza, Coffee shop, fast food
Groceries
Zomato Swiggy food delivery
Return 10% cashback (max 1000 on 10000/mth)
24. IndusInd Tiger (LTF) for
Movies One FREE (500) BMS movie ticket every 6 mth
International Lounge 2/yr with Priority pass
Domestic Lounge 2/qtr, 8/yr (no spend reqd)
Golf 1 free class/qtr
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