Only Premium & Super Premium Cards Discussion

[Deleted member 11974]

You mean he pays 34 rupees x 500 times to his friend by UPI (Gpay, Paytm, etc) and collects 17000 cash from the friend?

yes
not 34*500 but
many people here rotate for free

 

[sourpai]

For Amex, everyone keeps talking about Marriott. But somehow I do not think that Marriott B program is very rewarding.

1. For starters, there is no breakfast while doing point redemptions - this is the biggest deal breaker for me as morning breakfast at resort is very important part of experience. Sure they give exceptions for Gold members. But how many have Gold membership?
2. Point redemptions work well only for select properties. For rest of the properties it is as low as 0.5
3. Revenue rate has lot of other benefits. Like for example, in Prestige golfshire, adding package deal by paying 1-2K extra gives one major meal for 2+1 people.

If you include all these points, MB points are worth much less compared to equivalent revenue rate including package deals.

Many people give example of Westin resort and spa etc. but how long are those MB point rates are going to stay?

Miles accrued on Amex wont be as valuable as miles accrued on Infinia. We need to consider this important aspect while doing these calculations. Amex gives better conversions only for MB, but considering above points, I dont think it is worth full value

 

[sourpai]

When using Neu coins to pay at Bigbasket, you cannot get a 20% discount on your order.
Also, Bigbasket needs a minimum amount to avoid the delivery charges

If your order value is lets say 2800, you can use neu coins balance upto 300 and also get 20% on amount paid by card for 2500. I do it for Axis select every month.

 

[drsel]

If your order value is lets say 2800, you can use neu coins balance upto 300 and also get 20% on amount paid by card for 2500. I do it for Axis select every month.

Excellent but I don't have Select card and I cannot get any more cards, because I already have 4

 

[rockking1994]

what about movies , fuel categories also for restaurants?

 

[Random123]

Excellent but I don't have Select card and I cannot get any more cards, because I already have 4

20% offer is on axis select and specific indusind debit cards - Pioneer, Grande, Exclusive and Select / Paywave Debit cards

 

[drsel]

For Amex, everyone keeps talking about Marriott. But somehow I do not think that Marriott B program is very rewarding.

1. For starters, there is no breakfast while doing point redemptions - this is the biggest deal breaker for me as morning breakfast at resort is very important part of experience. Sure they give exceptions for Gold members. But how many have Gold membership?
2. Point redemptions work well only for select properties. For rest of the properties it is as low as 0.5
3. Revenue rate has lot of other benefits. Like for example, in Prestige golfshire, adding package deal by paying 1-2K extra gives one major meal for 2+1 people.

If you include all these points, MB points are worth much less compared to equivalent revenue rate including package deals.

Many people give example of Westin resort and spa etc. but how long are those MB point rates are going to stay?

Miles accrued on Amex wont be as valuable as miles accrued on Infinia. We need to consider this important aspect while doing these calculations. Amex gives better conversions only for MB, but considering above points, I dont think it is worth full value

I agree wholeheartedly.
Also everyone does not want to stay in 5 star hotels
There are people who save money by staying in three star hotels, which require much less points or cash

 

[drsel]

20% offer is on axis select and specific indusind debit cards - Pioneer, Grande, Exclusive and Select / Paywave Debit cards

Yes I have exclusive debit card

 

[drsel]

If your order value is lets say 2800, you can use neu coins balance upto 300 and also get 20% on amount paid by card for 2500. I do it for Axis select every month.

So what you are saying is earn these Neu coins by doing multiple UPI payments among friends,
Then use the exclusive debit card to get 20% discount on big basket on the Neu app, but don't use the Tata Neu card on big basket, because discount is only 10%?

 

[Random123]

So what you are saying is earn these Neu coins by doing multiple UPI payments among friends,
Then use the exclusive debit card to get 20% discount, but don't use the Tata Neu card on big basket, because discount is only 10%

Yes I think that is best option. I generally use the offer in first weekend of month with additional coins. For eg.
2500 - 500 (bank discount) - 150 (extra coins) - 100 (5% coins) which comes to about 30% discount. These neu coins can be added as buffer for the additional amount for next purchase.

 

[NOOBY]

Miles accrued on Amex wont be as valuable as miles accrued on Infinia.

People always compare acc to current structure.. before Sept23, Magnus would be way ahead of Amex in above scenario

As I tried to analyse acc to what anirban said, on 4L transactions (1L per month), Plat Travel would fetch 48k MR (including milestone) while Infinia would fetch only 13.33k RP (without any multipliers)... so for someone who wishes to stay in any of MarriotB hotel, Amex would give more value.

PS: I don't have any Amex.. so not a follower of it (or any card).. just want to understand you views

We need to consider this important aspect while doing these calculations. Amex gives better conversions only for MB, but considering above points, I dont think it is worth full value

Even though there are some shortcomings, Amex seem to give better reward for MarriotB (on paper and that too specific to 1 partner)

While with Infinia, the pts can be anything (tanishq/apple/flights/hotels). I assume Amex pts can be converted from Mariott to others as well (I dont know anything about it)

 

[drsel]

If your order value is lets say 2800, you can use neu coins balance upto 300 and also get 20% on amount paid by card for 2500. I do it for Axis select every month.

Fantastic!
When Neu app was first launched it was offering 10% with Neu card, but it did not show any 20% discount coupon.
I thought the launch of Neu app was a cost cutting measure to reduce the discount from 20 to 10%

So we continued using only Bigbasket app to get 20% discount.
Now I can see the 20% discount also on the Neu app!

 

[D7162]

Yes I think that is best option. I generally use the offer in first weekend of month with additional coins. For eg.
2500 - 500 (bank discount) - 150 (extra coins) - 100 (5% coins) which comes to about 30% discount. These neu coins can be added as buffer for the additional amount for next purchase.

Moreover I am getting 5% on 2500 (total value) rather than 2000 (actual paid)

 

[drsel]

So is the HDFC Tata Neu infinity card only to collect Neu coins from UPI payments and spend these coins on Bigbasket? /

Because we're going to use IndusInd Exclusive debit card on Bigbasket (on Neu app) to get 20% discount , not Neu infinity card, which gives only 10%

 

[sourpai]

People always compare acc to current structure.. before Sept23, Magnus would be way ahead of Amex in above scenario

As I tried to analyse acc to what anirban said, on 4L transactions (1L per month), Plat Travel would fetch 48k MR (including milestone) while Infinia would fetch only 13.33k RP (without any multipliers)... so for someone who wishes to stay in any of MarriotB hotel, Amex would give more value.

PS: I don't have any Amex.. so not a follower of it (or any card).. just want to understand you views

I actually have Amex and Infinia both. Have been using Amex Plat Travel for last 3-4 years. Best use of card I find is for Taj Vouchers for which conversion is 1MR = 0.5. It effectively brings down value to 24K instead of 48K miles

For Infinia, there are a lot of use cases for using multipliers. Even while booking hotels, flights, remaining 30% goes on multipliers. So effectively, reward rate is much higher than 13.33K RP. Infinia now added Accor also as partner. Plus many Airline transfers are at 1:1, where as Amex it is 2:1. So effectively value of Infinia point is much higher than Amex MR in my opinion and it equals in the end for 4L calculation shown in the earlier post by Anirban

 

[Salvo08]

So is the HDFC Tata Neu infinity card only to collect Neu coins from UPI payments and spend these coins on Bigbasket? /

Because we're going to use IndusInd Exclusive debit card on Bigbasket (on Neu app) to get 20% discount , not Neu infinity card, which gives only 10%

20% is only for placing orders beyond the benchmark amount say 2K. What do you do for day to day orders?

 

[Salvo08]

People always compare acc to current structure.. before Sept23, Magnus would be way ahead of Amex in above scenario

As I tried to analyse acc to what anirban said, on 4L transactions (1L per month), Plat Travel would fetch 48k MR (including milestone) while Infinia would fetch only 13.33k RP (without any multipliers)... so for someone who wishes to stay in any of MarriotB hotel, Amex would give more value.

PS: I don't have any Amex.. so not a follower of it (or any card).. just want to understand you views

When you include the purchases through Smart Buy platform then return goes up substantially

 

[drsel]

20% is only for placing orders beyond the benchmark amount say 2K. What do you do for day to day orders?

I order 2500 every 15 days

 

[D7162]

never saw promotional coins in app, will have a look.. please do share where you see the offer as I have blocked app notifications

Offer is live - spend 2500 and get 250 neu coins

So
Use your Indusind Select/Exclusive card for 20%
Promotional Neu coins - 10%
Base Neu coins - 5% (on 2500 spend)
So you will get total 35% discount if you have indus select/Exclusive debit card else 25% if you use other credit card which have offers running on BB

 

[Random123]

Offer is live - spend 2500 and get 250 neu coins

Thanks just sharing the link - https://www.tatadigital.com/v2/cdp/grandsaleofferrepeat