Best Credit Card for Offline Spends

[John123]

Hi Friends,
Which card is best for offline spends?

 

[skchamp]

Have an upcoming wedding in the family.

While I have SBI Cashback Card for online purchases giving 5% flat cashback, looking for a credit card which gives best possible rewards on offline spends across categories- clothing, restaurants, grocery, etc.

Already holding MRCC, IDFC Select, Sbi Cashback

 

[hakunamatata]

SC Ultimate

 

[rp0703]

Have an upcoming wedding in the family.

While I have SBI Cashback Card for online purchases giving 5% flat cashback, looking for a credit card which gives best possible rewards on offline spends across categories- clothing, restaurants, grocery, etc.

Already holding MRCC, IDFC Select, Sbi Cashback

Get AU LIT. It's base rate is just 0.25 per Rs.100 spend. But you can activate features or packs (you have to pay) for additional cashback and points. All packs remain active for 90 days. For offline Spends following packs you can activate.

10x points on offline purchases. No cap on Points. (Rs. 299+GST)

2% additional CB (Minimum spend rs. 10000) upto Rs. 1000 in 30 days (Rs. 199+GST)

There are other packs also, you can check on their website.

 

[John123]

I'm trying to get Axis Ace. Yes this is bit difficult to get.

 

[tanvi]

Currently I have
Amazon icici,flipkart axis,Eazydiner indusind,sbi cashback, zomato rbl, onecard.

Here I am getting max 1-1.5% reward rate

Want to know which card should I get for offline spends (dmart, restaurants, etc) for max reward rate?

 

[SpiesCan'tCatchMe]

Cheapest option is axis ace 2% and other expensive options are SC ultimate 3.33% Magnus, infinia, DCB.
If you want to redeem in airmiles then vistara infinite i guess 4.2%

 

[luciferlucifer is verified member.]

au lit card

 

[Wealth is my birth right!]

for dmart, SC Manhattan 5% CB upto mly 500/-
(min swipe at pos to be 1000/- and max 3000/- per transaction, so split accordingly)

 

[kjs]

In case any one here is working for corporate companies then get a food card , helps in income tax benefits + can be used in offline grocery & restaurant (mostly) at least

 

[krishc]

In case any one here is working for corporate companies then get a food card , helps in income tax benefits + can be used in offline grocery & restaurant (mostly) at least

yeah I use Sodexo

 

[krishc]

AU Zenith is also a decent option only if you can get it LTF
The reward rate is 2.5%

 

[bugmenot]

10 Reward Points per INR 100 retail spends done on International transactions, Grocery and Departmental stores.

MCC matters here a lot otherwise 1.25% (5 RP/₹100).

AU Zenith is also a decent option only if you can get it LTF
The reward rate is 2.5%

 

[krishc]

10 Reward Points per INR 100 retail spends done on International transactions, Grocery and Departmental stores.

MCC matters here a lot otherwise 1.25% (5 RP/₹100).

that's why good only if ltf
paid is a strict no-no

 

[drsel]

Does bob eterna provides 3.75% for offline ??

Not for offline.
3.75% statement credit is for online shopping, travel (airlines, hotels), international, restaurants

 

[drsel]

that's why good only if ltf
paid is a strict no-no

How do I get AU Zenith lifetime free? I already have AU Lit

 

[deep@vie]

How do I get AU Zenith lifetime free? I already have AU Lit

If it's limit is =>5l,ask for upgrade, your employer should be in their LTF list

 

[codenerd]

Another option could be to buy Gold coins from bluestone and then sell it in muthoot etc or keep it as an asset class investment.

This sounds interesting. Can you please tell more about it

 

[beingmohit]

Hi Friends,
Which card is best for offline spends?

Axis Atlas - 4% miles (can go upto 7% if you consider the milestone benefits)
HDFC Infinia & DCB - 3.33% value back
SC Ultimate - 3.33% value back
Amex Plat Travel - Can give upto 7%
*DCB and Amex have very limited offline acceptance, especially in Tier2 and 3 cities

These are the best overall

 

[drsel]

If it's limit is =>5l,ask for upgrade, your employer should be in their LTF list

I am a self employed professional.
AU Lit limit is exactly 5 lacs, but I want to keep AU Lit also.
Will AU give me Zenith as a 2nd lifetime free card?
How many cards per person does AU allow?

 

[deep@vie]

I am a self employed professional.
AU Lit limit is exactly 5 lacs, but I want to keep AU Lit also.
Will AU give me Zenith as a 2nd lifetime free card?
How many cards per person does AU allow?

Currently only 1 card is allowed. May be in near future they allow 2