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AU LIT effective reward rate

Tezz

TF Buzz
Hi, I have been using AU LIT card for offline transactions past 3 months. Mainly shopping in mall and local grocery store (UPI CC) I had taken 3 months subscription of 3 services:
1. 5% CB - 299 + GST
2. 10X offline points - 299 + GST
3. 5% Apparel CB - 199 + GST

Total Spends: Rs. 57,371.96
Total Fees: 352.82 + 352.82 + 234.82 = Rs. 940.46
Total Points: 3400 (Value - 0.2 Rs per point -> Rs. 680 but Rs. 99 + GST (Rs. 116.82) point redemption fee)
Total Cashback: 1,500 (5% CB) + 1,298.9 (5% Apparel CB) = Rs. 2,798.9

Net Value (minus all fees): 2,421.62
Reward Rate: 4.22%

PS: Don't share this too much, don't make YT video on this. I don't want to get this devalued.
 

: )
 
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