Best card for offline spends

[Akash.nagori]

Hi everyone one of my friend he wants a credit card which provides maximum return for offline spends … he is planning to buy electronics worth 1.5 to 2 lakhs in upcoming months and he wants direct cash back he doesn’t want all that hassle of converting reward points and all that… he earns 1.5 lakh per month and he doesn’t have any other card and he holds a salary account with icici bank so experts please share your valuable feedback and suggestions

 

[MudraMantra]

Please check

Best Credit Card for Offline Spends

Hey Guys, Could you please suggest a credit card which gives maximum cashback on offline merchant (pos transactions) ?

www.technofino.in

 

[Anupama_Jha]

Hi everyone one of my friend he wants a credit card which provides maximum return for offline spends … he is planning to buy electronics worth 1.5 to 2 lakhs in upcoming months and he wants direct cash back he doesn’t want all that hassle of converting reward points and all that… he earns 1.5 lakh per month and he doesn’t have any other card and he holds a salary account with icici bank so experts please share your valuable feedback and suggestions

Since he's currently having salary account with ICICI, get in touch with RM/BM and get LTF Saphiro. Post that get ICICI Amazon Pay which is also a LTF card.

Some easily approved cards:

Axis Ace - 1.5% unlimited cashback on offline spends.

Tata Neu Infinity - 5% for tata and related brands.

SBI Cashback - 5% upto ₹5000 every month on all online spends.

 

[Akash.nagori]

Since he's currently having salary account with ICICI, get in touch with RM/BM and get LTF Saphiro. Post that get ICICI Amazon Pay which is also a LTF card.

Some easily approved cards:

Axis Ace - 1.5% unlimited cashback on offline spends.

Tata Neu Infinity - 5% for tata and related brands.

SBI Cashback - 5% upto ₹5000 every month on all online spends.

he doesn’t want to buy electronics online that is the problem otherwise sbi cash back was the best card for him … what is the reward structure for icici Saphiro ?

 

[Akash.nagori]

Please check

Best Credit Card for Offline Spends

Hey Guys, Could you please suggest a credit card which gives maximum cashback on offline merchant (pos transactions) ?

www.technofino.in

Ok I will go through

 

[Anupama_Jha]

he doesn’t want to buy electronics online that is the problem otherwise sbi cash back was the best card for him … what is the reward structure for icici Saphiro ?

I told ICICI Saphiro bcs he's having decent salary account with them. It's a mid-premium cc. By getting this you can easily get any other cc based on it's higher limit

 

[Akash.nagori]

I told ICICI Saphiro bcs he's having decent salary account with them. It's a mid-premium cc. By getting this you can easily get any other cc based on it's higher limit

Ok got it and no other cards than what your mentioned above for offline spends ?

 

[Akash.nagori]

Please check

Best Credit Card for Offline Spends

Hey Guys, Could you please suggest a credit card which gives maximum cashback on offline merchant (pos transactions) ?

www.technofino.in

I went through but not many options there also

 

[Anupama_Jha]

Ok got it and no other cards than what your mentioned above for offline spends ?

Yupp, get ICICI Saphiro then apply for Amazon Pay ICICI. It gives 1% unlimited cashback on offline spends.

Then get Axis ace and tata neu infinity accordingly.

 

[drsel]

Activate 5+1% bonus cashback and 10x reward points (2% return via Amazon pay) for offline transactions on AU Lit card.
Activate Apparel or Grocery for 5% cashback if shopping for clothes and accessories or groceries.
So 13% return on offline spends

Earlier electronics category was there for extra 5% cashback, but that was removed recently

 

[Akash.nagori]

Yupp, get ICICI Saphiro then apply for Amazon Pay ICICI. It gives 1% unlimited cashback on offline spends.

Then get Axis ace and tata neu infinity accordingly.

Ok got it

 

[Akash.nagori]

Activate 5% bonus cashback and 10x reward points (2.5% return) for offline transactions on AU Lit card.

Earlier electronics category was there for extra 5% cashback, but that was removed recently

What is the monthly capping?

 

[drsel]

What is the monthly capping?.

10000 per 30 days cycle for 750 return (500 cashback plus 250 Amazon pay, less 117 redemption fee)

 

[Akash.nagori]

20000 per 30 days cycle for 1500 return (1000 cashback plus 500 Amazon pay, less 117 redemption fee)

Capping won’t serve his purpose

 

[Fini7777]

Hi everyone one of my friend he wants a credit card which provides maximum return for offline spends … he is planning to buy electronics worth 1.5 to 2 lakhs in upcoming months and he wants direct cash back he doesn’t want all that hassle of converting reward points and all that… he earns 1.5 lakh per month and he doesn’t have any other card and he holds a salary account with icici bank so experts please share your valuable feedback and suggestions

SC Ultimate- 3.33% Rewards -> CASH, GV
BOB ETERNA - Milestone benefits Rewards -> CASH, GV(Core RR=0.75%)
TATA NEU Infinity, Axis ACE- 1.5% Direct CSHB (TATA NEU- Neu Coins)
SBI Simplysav - 1.67% Rewards -> CASH, GV
Kotak Myntra - 1.25% Direct CSHB
1% - SBI CSB,Axis Flipkart, SC Smart, HDFC swiggy, Millennia, Some AU cards, RBL DUET. airtel Axis, ICICI Apay- Direct CSHB
1% - Yes bank cards, KOTAK IOCL, HDFC Regalia , Axis Rewards, Privillege , Rewards -> CASH,GV

 

[Kumar93196]

Hi everyone one of my friend he wants a credit card which provides maximum return for offline spends … he is planning to buy electronics worth 1.5 to 2 lakhs in upcoming months and he wants direct cash back he doesn’t want all that hassle of converting reward points and all that… he earns 1.5 lakh per month and he doesn’t have any other card and he holds a salary account with icici bank so experts please share your valuable feedback and suggestions

Take any
Hdfc /icici/Sbi card/ axis card and if he's gonna buy things offline purchase GV of that particular store. Like croma/tata cliq/ Vijay sales.
He can get GV upto 10% discount. But before that he needs to be sure from where he want to purchase the goods. Most local shops accept the payment via cc but ask for 2% or total GST amount to be paid via buyer. That will be a drawback for you. So before buying the goods decide where you are gonna Purchase these things.

In my recent experience
I went to a local shop to buy wooden almirah. I chose the almirah and it's of 5000rs.He accepts the payment via cc but he clearly told me that if I pay via cc I need to 5k+18% GST. So just paid him via DC and saved the extra amount. Most cards give high rewards on online shopping but for offline shopping there are only few cards.

 

[anonymuos]

Does SBI SimplySAVE still give 1.67%? No devaluation in it yet? I am surprised that such a basic card now beats Axis Ace which has become just as ordinary now😆 @Ajay chodipilli

 

[Fini7777]

Does SBI SimplySAVE still give 1.67%? No devaluation in it yet? I am surprised that such a basic card now beats Axis Ace which has become just as ordinary now😆 @Ajay chodipilli

10 Reward Points per Rs 150 spent on Dining, Movies, Departmental Stores and Grocery Spends. -1. 67%
This card is not suitable in the above scenario I think

 

[anonymuos]

10 Reward Points per Rs 150 spent on Dining, Movies, Departmental Stores and Grocery Spends. -1. 67%
This card is not suitable in the above scenario I think

Yep for dining, movies, grocery and dept stores there are cards offering far bigger discounts which is why SimplySAVE falls so behind. If only we knew that some electronics store has set the MCC wrong to dept store, we could rely on that to get 1.67% 😀

 

[navdeep22]

Capping won’t serve his purpose

Why will it not solve the purpose. So 25000 Max that can be earned in one cycle. Where 1 point is 0.2 paisa. So you get 5000₹ on 2.5 lakh spending.

If you want to spend more than 2.5 lakh then capping is less else it's fine