Need help in building my credit card sheet

[Hisoka]

I've a rent payment due tomorrow and from last 3 months I was paying rent through my Vistara Signature card, only to realise last week that rent payments neither give us CV points nor they're counted in milestone spends. Plus they were charging 1% convenience fee, so 1000 rs wasted for no rewards :')

That's why I planned to build this sheet, and I need you guys to just review it once. It's not 100% complete, but all the main cards have information associated with them. It'd greatly help me in deciding which card to use for rent payments, although I see no card now which will give me decent rewards for rent. Here's the link for the same

Sheets link

 

[Hisoka]

The correct link is...

https//docs.google.com/spreadsheets/d/1B8oLu0kgm6Jvip1p-PfYdjZaO2dV_PyPC1cipYuo9a4/

Thanks for the correction, I've edited it

 

[shrewdoc]

Plat Charge LTF! What a flex!

 

[Hisoka]

Plat Charge LTF! What a flex!

It’s not LTF bro, I didn’t activate it
It’s just for show piece

 

[Card_Crafter]

HDFC first rent payment of the month is free. Second rent payment onwards charges are applicable.

 

[Hisoka]

HDFC first rent payment of the month is free. Second rent payment onwards charges are applicable.

Oh so if I pay rent with Tata neu I’ll get 1.5% neu coins plus no additional charges? (Except from Redgiraffe charges)

 

[Card_Crafter]

I don't think you will get any rewards for rent payment. By charges I am talking about the 1%+GST that most banks levy on rent payments.

Oh so if I pay rent with Tata neu I’ll get 1.5% neu coins plus no additional charges? (Except from Redgiraffe charges)

 

[Hisoka]

I don't think you will get any rewards for rent payment. By charges I am talking about the 1%+GST that most banks levy on rent payments.

Cool. So I guess there’s no card in my list which will give me rewards for rent. Just that in some cards the charges might get excluded

 

[shrewdoc]

Cool. So I guess there’s no card in my list which will give me rewards for rent. Just that in some cards the charges might get excluded

Just use HDFC Millennia for rent i guess. You won't be charged 1%+GST for 1st payment and I think it'll be counted towards 1L Quarterly Milestone (Can't confirm, never used it).

 

[Hisoka]

Just use HDFC Millennia for rent i guess. You won't be charged 1%+GST for 1st payment and I think it'll be counted towards 1L Quarterly Milestone (Can't confirm, never used it).

For that I've lost one month. In 2 months I can't spend 1L just by rent :\

 

[sousnake]

It’s not LTF bro, I didn’t activate it
It’s just for show piece

ok.. so you applied got the card but didn't activated 😎 . Damn I can do that with cards I like.

 

[shrewdoc]

For that I've lost one month. In 2 months I can't spend 1L just by rent :\

Buy 20K AmazonPay GC Today and on 1st Dec. There, 40k more done.

 

[Hisoka]

ok.. so you applied got the card but didn't activated 😎 . Damn I can do that with cards I like.

I'm a sucker for metal cards yarr. Couldn't resist 😅

 

[sousnake]

I'm a sucker for metal cards yarr. Couldn't resist 😅

Try for emerald metal as well. 😁

 

[Hisoka]

Try for emerald metal as well. 😁

I don't think I've a chance there. Don't have an account with ICICI

 

[aayusharyan]

I've a rent payment due tomorrow and from last 3 months I was paying rent through my Vistara Signature card, only to realise last week that rent payments neither give us CV points nor they're counted in milestone spends. Plus they were charging 1% convenience fee, so 1000 rs wasted for no rewards :')

That's why I planned to build this sheet, and I need you guys to just review it once. It's not 100% complete, but all the main cards have information associated with them. It'd greatly help me in deciding which card to use for rent payments, although I see no card now which will give me decent rewards for rent. Here's the link for the same

Sheets link


View attachment 36037

Also you can add LE History, that will help you keep track which one to ask for Manual LE after the cooldown.

 

[Hisoka]

Can I load all my rent money into Payzapp wallet and then pay rent through it (via RG)? As some cards give rewards on wallet load like HDFC Millenia and I won’t have to pay any charges also. Will that work?

Also will this technique work for milestone spends in cards like AMEX and Axis Vistara?

 

[shutapdiya]

Can I load all my rent money into Payzapp wallet and then pay rent through it (via RG)? As some cards give rewards on wallet load like HDFC Millenia and I won’t have to pay any charges also. Will that work?

Yes

Also will this technique work for milestone spends in cards like AMEX and Axis Vistara?

Amex doesnt work on payzapp, not sure about Vistara

 

[Hisoka]

Yes

Amex doesnt work on payzapp, not sure about Vistara

Cool Thanks !

 

[COSMOCRAT]

Keep bill generation on same date. One less headache.