Amazon Pay Economy

[nileshgr]

Even though I am a DCBM user I have ample offline use for the same. In fact I even buy groceries and stuff offline with my card. Online use is limited and since most websites don't accept it, it has to be routed via amazon pay.

 

[cardio_guycardio_guy is verified member.]

Tata neu and Amazon are good general purpose cards. We can use Amazon pay balance and tata neu coins for a variety of purposes. Amazon pay balance even for bill payments and utilities. Tata neu coins can be used for grocery purchase, flight tickets and gold purchase.
I don't use neu card often. Other than that, like mentioned above, for 10% cashback I use Swiggy card sometimes. The net effect is not very visible apart from the fact that each month we get some cashback in the statement. But the only drawback is that it doesn't bring a visible change like a free hotel stay or flight ticket.

 

[nikhilv0303]

Tata neu and Amazon are good general purpose cards. You can use Amazon pay balance and tata neu coins for a variety of purposes. Amazon pay balance even for bill payments and utilities.
But tata neu coins for grocery purchase, flight tickets and gold purchase. I use neu card often. Other than that, like mentioned above, for 10% cashback I use Swiggy card sometimes. But the net effect is not very visible apart from the fact that each month we get some cashback in the statement. But the only drawback is that it doesn't bring a visible change like a free hotel stay or flight ticket.

Where do you use Tata Neu card. I mean for what kind of spends?

 

[cardio_guycardio_guy is verified member.]

Where do you use Tata Neu card. I mean for what kind of spends?

(Edited my previous post a bit)

Earlier, neu was my primary card for all spends, but now after other cards coming, usage has drastically reduced.
Still I use it rarely for the following spends:
1. UPI - Through neu app mainly. It is still my primary card for UPI spends.
2. For grocery spends through bigbasket - once a while. (partly using instamart)
3. For some purchase through croma (if it is not available or cheaper than other places)

In all these cases, I don't redeem neu coins, just keep collecting the neu coins and use it for flight bookings.

 

[nikhilv0303]

UPI - Through neu app mainly. It is still my primary card for UPI spends.
2. For grocery spends through bigbasket - once a while. (partly using instamart)

For UPI, it’s the primary card for me as well
For grocery I shifted to BB vouchers. Though usage has dropped now, and have shifted mostly to Instamart and Zepto in last 2-3 months

 

[HumorSimpson]

Have realized its too much effort for a little return

Have realized its too much effort for a little return... thinking of switching back to CB cards

It;s like the Jockey story, once in a while bored of Jockey underwear, we try other brands only to come back to Jockey.

Unless one frequently travels , the rewards cards are pain in earning and burning points.

 

[harshitharlalka]

It;s like the Jockey story, once in a while bored of Jockey underwear, we try other brands only to come back to Jockey.

Unless one frequently travels , the rewards cards are pain in earning and burning points.

I slightly disagree. Hoarding 5 cashback cards and figuring out which to use where and trying to optimize every spend and making sure cashback was received, it was the correct MCC and remembering to pay bill on time is equally painful.

To avoid the devil, sticking to 2-3 cards works best. That's why Infinia is a goated card and SBI Cashback is a goated card.

Me+My Wife : >80% of our monthly spends go through same Infinia (separate OTP for add-on card helps). >60% spends every months is through AGV/ASV or Swiggy Voucher.

 

[HumorSimpson]

I slightly disagree. Hoarding 5 cashback cards and figuring out which to use where and trying to optimize every spend and making sure cashback was received, it was the correct MCC and remembering to pay bill on time is equally painful.

To avoid the devil, sticking to 2-3 cards works best. That's why Infinia is a goated card and SBI Cashback is a goated card.

Me+My Wife : >80% of our monthly spends go through same Infinia (separate OTP for add-on card helps). >60% spends every months is through AGV/ASV or Swiggy Voucher.

I never said to hoard more CB cc. Jus SBI CB and hdfc millenia enough.

 

[akshayhs]

I wouldn't classify Amazon Pay gift card purchases as ration, but as drugs. It is said that when you take certain drugs, you can get high! APay gift cards are like that. You buy it and get that temporary dopamine.

 

[harshitharlalka]

I wouldn't classify Amazon Pay gift card purchases as ration, but as drugs. It is said that when you take certain drugs, you can get high! APay gift cards are like that. You buy it and get that temporary dopamine.

That's a good idea for my next post 😈

 

[harshitharlalka]

I learnt after all these years that Amazon Pay balance as well as Amazon Shopping Voucher can used be used to buy gold coins 😓