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

 

[Rocky Bhai]

Which app is this screenshot from?

Onescore

 

[arko]

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
View attachment 24996

I think my limit will be 9 lakhs less as hdfc is shared limit. axis increased by credit limit by 75k so i think it will be less than 8 lakhs .so my credit limit will be around 50l

 

[arko]

car pics

 

[Greencheese]

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.

Can you please share your negotiation strategy?

 

[asimkumar]

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

haha....i learn so much here.

 

[arko]

Can you please share your negotiation strategy?

always say that you are also looking for direct competitor car and may go for it. tell them you will buy from other dealers as they are offering free cc payement etc.

 

[WandereR]

Hey, I'm a little curious. Why did you prefer neu infinity over diners black? Neu infinity has 1.5% reward rate while DCB has 3.33%. Neucoins are technically 1:1 but bb etc have other card offers which would lower the net return..

 

[arko]

Hey, I'm a little curious. Why did you prefer neu infinity over diners black? Neu infinity has 1.5% reward rate while DCB has 3.33%. Neucoins are technically 1:1 but bb etc have other card offers which would lower the net return..

they did not have hdfc poc machine.they had sbi in which diners did not work. I bought medicines using the neucoins as my family monthly medicine is up wards of 60k

 

[arko]

also got rewards in idfc and got amazon voucher nearing 9k(previously had some points) axis ace cashback will be credited next month.

 

[saucy]

also got rewards in idfc and got amazon voucher nearing 9k(previously had some points) axis ace cashback will be credited next month.

How many of these credit cards got limit extension after this purchase? I'm assuming this much of usage might not be a regular thing?

 

[Pgoel06]

Can we split the total cost and pay from 2 credit cards ?

 

[arko]

Can we split the total cost and pay from 2 credit cards ?

i paid by 3 cards. you can pay by n number of cards.

 

[arko]

How many of these credit cards got limit extension after this purchase? I'm assuming this much of usage might not be a regular thing?

all 3 cards limit got exhausted ,but my total credit limit is upwards of 50 lakh combining all cards.

 

[saucy]

all 3 cards limit got exhausted ,but my total credit limit is upwards of 50 lakh combining all cards.

Yep I read your and vaibhav's threads, pretty cool flex

Did the banks offer you limit extension after this purchase?

 

[arko]

Yep I read your and vaibhav's threads, pretty cool flex

Did the banks offer you limit extension after this purchase?

no, it is the same now

 

[Deleted member 9785]

Which car will be best in 15 lac budget. I was looking at honda city , but there are ground clearance issue in Bengaluru rains

 

[arko]

Which car will be best in 15 lac budget. I was looking at honda city , but there are ground clearance issue in Bengaluru rains

buy a suv .brezza is good . xuv 300 is also an option but beware of mahindra poor service

 

[drshenoy]

Bought Honda City, of the 19L, 7.6L paid thru Infinia and about 2.5L paid thru Tata Neu and BoB Energie UPI

 

[KLB@96]

Bought Honda City, of the 19L, 7.6L paid thru Infinia and about 2.5L paid thru Tata Neu and BoB Energie UP

Any merchant charges ?

 

[V360V360 is verified member.]

Which car will be best in 15 lac budget. I was looking at honda city , but there are ground clearance issue in Bengaluru rains

Go for Slavia or Virtus