Au lit card Query

[Avinav]

Hi I have AU lit card since couple of years but haven't used lately thought these offers can't be combined and all now I have learnt recently that we can combine them , So my use case would be to buy Apay vouchers (roughly 10k per month) can you suggest what all offers to combine to maximize the reward rate.
As per my understanding, I can combine

• 5 % on online transactions
• 5% on apparels
• 10x on online
  So as per calculation monthly reward rate should be (500+500+200= 1200) and expense per month (120+80+120=320) and net rewards would be (880). so 8.8% reward rate , would appreciate if someone can correct me and plus can we also combine amazon prime with all this?

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[helloworld]

Thread 'SBI Cashback vs HDFC Swiggy vs HDFC Millennia vs AU Lit'

Nov 28, 2024

Category​	SBI Cashback​	HDFC Swiggy​	HDFC Millennia​	AU LIT​
Fee / Fee Waiver	₹1,180 / Waived on ₹2L	LTF (till 31st Dec)#, or ₹590 / Waived on ₹2L	LTF (till 15th Jan)#, or ₹1,180 / Waived on ₹1L	₹3,776
Annual Fee Benefits / Net	None / (-₹1,180)	None / (₹-590)	₹1,000 / (-₹180)	None / (₹-3,776)

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• helloworld
• Replies: 64
• Forum: Credit Card Comparison

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: )

 

[2025]

Hi I have AU lit card since couple of years but haven't used lately thought these offers can't be combined and all now I have learnt recently that we can combine them , So my use case would be to buy Apay vouchers (roughly 10k per month) can you suggest what all offers to combine to maximize the reward rate.
As per my understanding, I can combine

• 5 % on online transactions
• 5% on apparels
• 10x on online
  So as per calculation monthly reward rate should be (500+500+200= 1200) and expense per month (120+80+120=320) and net rewards would be (880). so 8.8% reward rate , would appreciate if someone can correct me and plus can we also combine amazon prime with all this?

View attachment 86564

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Yes, your calculation is right. But for buying AGV in more likely scenario txns will not be tagged as apparel mcc. So, you may have to recalculate for the net benefits (and cost, if u adjust accordingly).

Those who says it's tagging is not sharing any evidence yet. So, can't validate whether they are lying or ignoring.

 

[Avinav]

@

Yes, your calculation is right. But for buying AGV in more likely scenario txns will not be tagged as apparel mcc. So, you may have to recalculate for the net benefits (and cost, if u adjust accordingly).

Those who says it's tagging is not sharing any evidence yet. So, can't validate whether they are lying or ignoring.

Thanks for the update so what other options do we have to buy agv other than direct website or I sense we can use au mainly for wallet load for same amount?

 

[Avinav]

Thread 'SBI Cashback vs HDFC Swiggy vs HDFC Millennia vs AU Lit'

Nov 28, 2024

Category​	SBI Cashback​	HDFC Swiggy​	HDFC Millennia​	AU LIT​
Fee / Fee Waiver	₹1,180 / Waived on ₹2L	LTF (till 31st Dec)#, or ₹590 / Waived on ₹2L	LTF (till 15th Jan)#, or ₹1,180 / Waived on ₹1L	₹3,776
Annual Fee Benefits / Net	None / (-₹1,180)	None / (₹-590)	₹1,000 / (-₹180)	None / (₹-3,776)

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• helloworld
• Replies: 64
• Forum: Credit Card Comparison

• 
• 
• 

: )

I had looked at this thread but was seeing some comments that things changed in feb'25 so wanted to confirm