buying car with credit card

[arko]

I am eyeing buying xuv 300 or grand vitara(strong hybrid) with credit card. any car suggestion is welcome.

I think they will not take more than 5L using cc without charges

I can use

hdfc tata neu rupay(above 8 lakh limit) for upi ----will it get me neucoins?

hdfc diners black --but then i cant use neu card(joint limit)

axis ace 1.5L lakh limit

icici apay -4 lakh limit

cards i hold idfc select/simplyclick/amex mrcc/indusind legend/axis flipkart

 

[AritraSaha]

Upi limit is 1L per day. Bro

 

[pavan000]

Also only 500 coins per statement cycle for upi

 

[kkk]

Also only 500 coins per statement cycle for upi

This is not true as of now.

 

[arko]

bought vitara brezza zxi+ with lifetime road tax + insurance for 1420000(approx.) petrol mild hybrid manual transmission.

Only one model was left with the hybrid engine.(Maruti removed it from new models)

IDFC select 2% (300000) amazon voucher (approx 6k)

hdfc neu card(sbi pos machine diners didnt work) (885000) 1.5% neucoins(13275)

axis ace (225000) --2% cashback() (4500)

hdfc neu card upi (11000) advance -1.5% neucoins (165)

approx 24k savings not a single penny charged as fees.had to negotiate hard.

 

[saucy]

Wooaahh!! GG buddy
Good to hear your update!

 

[Card_Crafter]

Congrats. I hope you are going to pay off the outstanding amounts before bill generation. Else your CIBIL will be gone for a toss.

 

[ontherocks]

bought vitara brezza zxi+ with lifetime road tax + insurance for 1420000(approx.) petrol mild hybrid manual transmission.

Only one model was left with the hybrid engine.(Maruti removed it from new models)

IDFC select 2% (300000) amazon voucher (approx 6k)

hdfc neu card(sbi pos machine diners didnt work) (885000) 1.5% neucoins(13275)

axis ace (225000) --2% cashback() (4500)

hdfc neu card upi (11000) advance -1.5% neucoins (165)

approx 24k savings not a single penny charged as fees.had to negotiate hard.

Congrats!!
Whats the IDFC CC offer?

 

[AritraSaha]

bought vitara brezza zxi+ with lifetime road tax + insurance for 1420000(approx.) petrol mild hybrid manual transmission.

Only one model was left with the hybrid engine.(Maruti removed it from new models)

IDFC select 2% (300000) amazon voucher (approx 6k)

hdfc neu card(sbi pos machine diners didnt work) (885000) 1.5% neucoins(13275)

axis ace (225000) --2% cashback() (4500)

hdfc neu card upi (11000) advance -1.5% neucoins (165)

approx 24k savings not a single penny charged as fees.had to negotiate hard.

Congratulations for the new ride.

And pay those cc bill on time brother.

 

[Deleted member 11974]

congrats on the new car

 

[arko]

Congrats. I hope you are going to pay off the outstanding amounts before bill generation. Else your CIBIL will be gone for a toss.

do i need to pay before bill generation date .my cibil screenshot. want o earn some saving interest on it. will pay it after a week of bill generation. will also get good number of points by paying cc bills using burgundy debit card. after using 2x hdfc platinum and 2x indusind debit card cashback offer.

 

[arko]

Congrats!!
Whats the IDFC CC offer?

IDFC 2% reward points after 30k transaction.

 

[pprakash11]

do i need to pay before bill generation date .my cibil screenshot. want o earn some saving interest on it. will pay it after a week of bill generation.

View attachment 24307

Yeah no issues.
At max it will be 23% utilisation still safe

 

[Deleted member 11974]

do i need to pay before bill generation date .my cibil screenshot. want o earn some saving interest on it. will pay it after a week of bill generation. will also get good number of points by paying cc bills using burgundy debit card. after using 2x hdfc platinum and 2x indusind debit card cashback offer.

View attachment 24307

pay it anytime before due date

 

[Card_Crafter]

do i need to pay before bill generation date .my cibil screenshot. want o earn some saving interest on it. will pay it after a week of bill generation. will also get good number of points by paying cc bills using burgundy debit card. after using 2x hdfc platinum and 2x indusind debit card cashback offer.

View attachment 24307

You have high limits, so that should be fine. In the original post it was not clear about your total limits.

 

[ontherocks]

hdfc neu card(sbi pos machine diners didnt work) (885000) 1.5% neucoins(13275)

I read they are blocking for getting high neu coins

 

[gabu]

@arko any reduction in price for non hybrid model?

 

[arko]

@arko any reduction in price for non hybrid model?

no. If you want to buy now you can get some may months stock from the dealers but you cannot choose color variant etc, will post the car pic after all modifications.

 

[vaibhav111vaibhav111 is verified member.]

do i need to pay before bill generation date .my cibil screenshot. want o earn some saving interest on it. will pay it after a week of bill generation. will also get good number of points by paying cc bills using burgundy debit card. after using 2x hdfc platinum and 2x indusind debit card cashback offer.

View attachment 24307

I think this isn’t accurate cause if you have same bank multiple card that shared limit then it could multiply shared limit twice.
My actually should be 50,85,000 where if I take all of cc limit then it should be 65,94,000

 

[card.enthusiast]

Which app is this screenshot from?