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Mayura has a better reward structure than AU Ixigo! Use Mayura for now.... think about a new zero forex card after 10 months when you are closer to close Mayura

Hotels usually accept split payments. So do 10k via hsbc and remaining via zenith. You have already given the solution. Thats the best possible outcome if hotel is not accepting via easydiner or dineout

Have you explored taking add on cards on Infinia which will increase your Gyftr limits? HDFC is now giving diff add on card numbers. Combined with different mobile numbers can make it 30k+30k per month

For IDFC Wow / IDFC Mayura following apply 1) You have to use "ATM Fee saver" App to find nearby ATMs which do not charge any fees, airport ATM to be avoided 2) is 199+GST as I mentioned. 3) it is 0 4) it is 0 P.S: There is no concept of net profit for cash withdrawals. You have to focus on...

Yes, that seems to be an exception... If you have it, it will be best to use it instead of other cards

It is 199+GST per withdrawal....but it happens at zero forex and you can pay back in next 50 days. Similar charges are there with all zero forex debits cards also

Where are you using this card? Please provide complete information Tata Neu card used on Tata Neu app to pay utility bills gives 5% - 1.5% in current statement and 3.5% in the next statement

AU Ixigo is restrictive in terms of reward redemptions.. can be redeemed only on ixigo... also WoW can be used for cash withdrawals without any interest charges

Take IDFC Mayura for one year only. Close it after one year. It has zero forex charges and you can withdraw cash using it as well. It will be easy for you to get since you already hold IDFC wealth. But apply before tomorrow to get additional joining benefits If you don't want this hassle, then...

How much are you planning to put on Yes reserv? This will be counted as offline transaction and just to breakeven on subscription fees you will have to spend a lot. With calculations you have shown, you are just left with ~2L worth of spends. Is it enough to recover 3x cost and gain atleast 1%...

Infinia will give reward points after 1st Sept also. Only after 50K it will charge extra 1% Try to take Biz black floater, it will add another 50K for utility spends without charges. Tax spends also get rewarded

No card is going to work for you for such high spends. Try some business credit cards from HDFC …. But wallet loading and govt transactions are excluded for reward points

You can maintain 30L FD for a few months and ask them to upgrade to Burgundy account. Paid MB should be doable with this approach. Visit to the branch may be required for better negotiations. Online application for MB is not possible

I think SC Super value Titanium gives statement cash back

I am giving him little low cost options of cards which give good enough benefits Personally speaking, I am somehow not a fan of ICICI Emerald Private. It is better than other ICICI cards, but it is not a better card compared to its peers such as Infinia or DCB metal. But it can be a great card...

Try for Axis Atlas or Yes Marquee... These cards are quite good and enough to get good previlages

Payzapp is now charging 1.77% on wallet loads using cc from 1st Aug.... on top of it, bank transfer charges are 1.18%. So take a call based on these numbers. It won't be profitable

Axis Atlas for direct bookings or HDFC DCB metal / Infinia for smartbuy bookings

Use SBI BPCL Octane on BPCL pumps and Amex Gold charge / Platinum charge on HPCL fuel pumps. Suggesting specifically for high value transactions upwards of 4K per fill There is no such card which will give you benefits for 30k swipes at multiple pump companies

It will be 3.5% + GST = 4.13% total fees charged for transaction in foreign currency on Atlas