Best Credit/Debit Card to Use for Lalitha Jewellery Scheme (Razorpay/Billdesk) – ₹10K Monthly

[frugalSr]

Hey everyone!
I’m currently investing ₹10,000 every month in Lalitha Jewellery's savings scheme. They offer two online payment gateways:

• Razorpay (Wallets: MobiKwik, Airtel Payments Bank, Ola Money, JioMoney, Freecharge)
• Billdesk (Wallets: MobiKwik, PhonePe)
• MCC varies between 5944 (Jewelry) or 5094 (Precious Stones/Metals).

I’m trying to maximize cashback or rewards through the right credit/debit card or wallet route. Here’s what I currently have:

💳 My Cards:

1. SBI Cashback Credit Card
2. Airtel Axis Credit Card
3. HDFC IOCL Credit Card
4. ICICI Coral Credit Card
5. ICICI HPCL Credit Card
6. Kiwi Yes Bank RuPay Credit Card
7. Kotak 811 Credit Card
   
   
   
8. HDFC Millennia Debit Card
9. Kotak Super Debit Card
10. HSBC Salary Debit Card

Which is the best card or wallet combo to use for ₹10K/month spend to get maximum cashback?

💡Would love to hear from anyone already doing this with Lalitha or similar schemes. Any hacks, tricks, or confirmed cashback experiences? 🙏

Hey everyone!
I’m currently investing ₹10,000 every month in Lalitha Jewellery's savings scheme. They offer two online payment gateways:

• Razorpay (Wallets: MobiKwik, Airtel Payments Bank, Ola Money, JioMoney, Freecharge)
• Billdesk (Wallets: MobiKwik, PhonePe)
• MCC varies between 5944 (Jewelry) or 5094 (Precious Stones/Metals).

I’m trying to maximize cashback or rewards through the right credit/debit card or wallet route. Here’s what I currently have:

💳 My Cards:

1. SBI Cashback Credit Card
2. Airtel Axis Credit Card
3. HDFC IOCL Credit Card
4. ICICI Coral Credit Card
5. ICICI HPCL Credit Card
6. Kiwi Yes Bank RuPay Credit Card
7. Kotak 811 Credit Card
   
   
   
8. HDFC Millennia Debit Card
9. Kotak Super Debit Card
10. HSBC Salary Debit Card

Which is the best card or wallet combo to use for ₹10K/month spend to get maximum cashback?

💡Would love to hear from anyone already doing this with Lalitha or similar schemes. Any hacks, tricks, or confirmed cashback experiences? 🙏

Did anyone notice this, Lalitha jewellery monthly scheme has added phonepe payment gateway now.. apologies if im late to post it here... if you guys already know.. also wanted to know any advantage of paying through it will get cashback?

 

[frugalSr]

anyone who use OLA Money with SBI Cashback card can you please confirm if you are getting 5% cashback recently?