• Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.

Suggest ways to make grocery payment of around 50 lakh per month

Apply For Lifetime Free IDFC First Credit Card
Divas_Garg

Divas_Garg

TF Buzz
I make purchases online of around 50 lakh every month for my business purpose. All these purchases are made through online payment and all transactions come under GROCERY category.

Currently I am using following cards for these payments:
1. Indusind bank pinnacle credit card
2. AU Zenith
3. SBI Cashback only upto 1 lakh

Earlier I used HDFC credit cards but now they have capped reward points for grocery at 2000 points per month. I don't want to use axis cards as they might block my account. Please suggest me credit cards or other ways to make these payments to earn maximum points without any capping. @TechnoFino

Thanks in advance.
 
Apply For LTF AU LIT Credit Card
Divas_Garg said:
I make purchases online of around 50 lakh every month for my business purpose. All these purchases are made through online payment and all transactions come under GROCERY category.

Currently I am using following cards for these payments:
1. Indusind bank pinnacle credit card
2. AU Zenith
3. SBI Cashback only upto 1 lakh

Earlier I used HDFC credit cards but now they have capped reward points for grocery at 2000 points per month. I don't want to use axis cards as they might block my account. Please suggest me credit cards or other ways to make these payments to earn maximum points without any capping. @TechnoFino

Thanks in advance.
Click to expand...
1)First thing you need to use , business credit cards not personal credit cards..
2) if you use personal cards , if not now at some point your cc accounts get blocked and all the points will be forfeited all of a sudden then you lose all your accumulated rewards…
3) these days all banks have computerised systems , it’s only a matter of time your business activities will be uncovered and appropriate bank policies will be enforced on your respective accounts…

Be careful
 
Last edited:
why not try amex cards if online portal accepts it?
Also you can pay via gift card brought on hdfc cards if buying thru leading grocery store app.
 
Divas_Garg said:
I make purchases online of around 50 lakh every month for my business purpose. All these purchases are made through online payment and all transactions come under GROCERY category.

Currently I am using following cards for these payments:
1. Indusind bank pinnacle credit card
2. AU Zenith
3. SBI Cashback only upto 1 lakh

Earlier I used HDFC credit cards but now they have capped reward points for grocery at 2000 points per month. I don't want to use axis cards as they might block my account. Please suggest me credit cards or other ways to make these payments to earn maximum points without any capping. @TechnoFino

Thanks in advance.
Click to expand...
Go for hdfc biz black. Good reward rate and they wont ban you for business payments.
 
Divas_Garg said:
I make purchases online of around 50 lakh every month for my business purpose. All these purchases are made through online payment and all transactions come under GROCERY category.

Currently I am using following cards for these payments:
1. Indusind bank pinnacle credit card
2. AU Zenith
3. SBI Cashback only upto 1 lakh

Earlier I used HDFC credit cards but now they have capped reward points for grocery at 2000 points per month. I don't want to use axis cards as they might block my account. Please suggest me credit cards or other ways to make these payments to earn maximum points without any capping. @TechnoFino

Thanks in advance.
Click to expand...
apply for hdfc biz black card newly launched.. 3.33% returns..
 
Last edited:
helloworld said:
Now, I know why these banks kept limit or exclusions in this category.

By the way, I'm curious. For me your question seems a bit suspicious and not very credible because if you were conducting transactions like this every month (as mentioned in your post), by now, all banks might have already suspended your account. In any case, do you collectively have a 50L limit on these three cards? I'm certain that SBI wouldn't offer a large limit, AU at most 10L, and Indus at most 15L. How are you managing a 50L limit?
Click to expand...
I am having 5 indusind bank credit cards in my name and all cards are issued against fixed deposit of 10 lakh each. Each card has limit of 9 lakh rs
 
gabu said:
why not try amex cards if online portal accepts it?
Also you can pay via gift card brought on hdfc cards if buying thru leading grocery store app.
Click to expand...
Reward rate on amex is less. Second thing they does not accept payments through wallets
 
You must log in or register to reply here.
Back
Top