Only Premium & Super Premium Cards Discussion

[drsel]

29 Dec 2023
I made some major improvements to the original post

 

[drsel]

DCB LTF for Rent 2.87%

or DCB Metal FYF for Rent 5.37% (assuming 4L spends per quarter)

SBI Vistara (1770) for excluded MCC 3.5% (upto 2.25L py)

Axis Atlas (5900) for Offline - 4%

Axis Atlas (5900) for Direct hotel and Direct flights - 10% **

Axis Atlas (5900) via Intermiles Apay for Online / Fuel - 10% (upto 50k pm)

Axis Airtel (590) for 25% on Airtel, 10% on utility bills, 10% on Swiggy Zomato

Infinia / DCB via Smartbuy Apay for Online / Fuel - 13% / 7% (upto 20k pm)

SBI cashback (Fee waiver) for other online 5% (upto 100k pm)

BOB Eterna (Fee waiver) for other online 4.75% (upto 41.6k pm)

Amex MRCC (FYF) 1500 X 4 for Amazon GV 18.6%

Amex Plat Travel (FYF) for insurance, govt, Amazon GV 12%

** Atlas direct spends 10% is useful when paying tax component in award tickets, and balance amount in accor / marriott

Amex Platinum travel card (FYF) looks like 12% return but the same points are being sold by American Express themselves for 40 paisa and the 10000 hotel voucher is worth 10000 x 8000/14000 = 5714
48000 x 0.40 =19200
19200 + 5714 = 24914

Then when you deduct 2950 renewal fee (at 50% discount if you ask), you will get 5.49% return on 4 lacs.

Investment bankers who designed the reward structure, are the highest paid professionals in the whole world and American Express will hire the best.

The Amex Plat travel reward structure is designed so that very few people can reach the 4 lakh target, considering the very low acceptance of Amex cards all over India.
And for the few who do, the loss to Amex is only 5.49--3.00 MDR commission = 2.49%, which is peanuts

 

[Deleted member 9785]

if we us atlas at skyscanner or any travel portal we get 10% returns?

 

[drsel]

if we us atlas at skyscanner or any travel portal we get 10% returns?

No.
but someone reported that Agoda has got Hotel MCC and is giving 10% on Atlas
but you may have to pay 1% dynamic currency conversion free.
Can any expert kindly confirm this?

 

[CCUser_1999]

Which card to use and where? (02 Feb 2024)
This analysis of 'return on spends' is after deducting annual fees and also considering the welcome benefits--

1. Axis Magnus Burgundy (LTF) for--
a. Rent <50k
b. Insurance <1 lac/calendar month
c. Dining-- Extra 40% discount on EazyDiner 1000/2500 once a month. Also 50% discount on EazyDiner max 3000/6000 once a year
d. Movies. 1+1 upto Rs.500, 5 times/month
e. Theatre/live shows. 1+1 upto Rs.500, 5 times/month
f. ALL offline & ALL online (except fuel, rent >50k, insurance >1 lac, Govt, utilities, wallet, EMI, withdrawals)
Return 4.80% upto 1.5 lacs/month, 14.00% above 1.5 lacs/month) if 5:4 Burgundy points transferred to Accor (Rs.1 value)
Return 3.84% upto 1.5 lacs/month, 11.20% above 1.5 lacs/month) if 5:4 Burgundy points transferred to other partners. (max 80p value)

2. Axis Magnus Burgundy (LTF) for--
Flights on Traveledge 5x points
Return 24% if 5:4 Burgundy points transferred to Accor (Rs.1 value)
Return 12.00--19.20% if 5:4 Burgundy points transferred to other partners. (max 80p value)
No convenience fee, no discount.
But check for price markup compared to the direct airline/Skyscanner/MMT/Cleartrip.
Traveledge 1x points come after 3 days.
Traveledge 4x points of the whole month are credited on M+2 basis on the 15th (45+ days later).
eg. January 4x points will come on 15 March.

3. HDFC Infinia (Rs.2250) for--
a. Amazon pay (--2.95% fee), Amazon shopping, Flipkart, Myntra, Swiggy on Smartbuy 5x points (upto 112500 per day/mth
b. Flights on SmartBuy 5x points (upto 112500 per day/mth)
c. Hotels on Smartbuy 10x (upto 56250 per day/mth)

If points used for direct flight booking on Smartbuy--
Return 13.46% (since points can be used for only 70% of flight booking).
If points transferred to 3 hotel and 13 airline partners--
Return 8.33%, if 2:1 points transferred to Accor (Rs.1 value)
Return 4.16--6.66% if 2:1 points transferred to Turkish, Avianca, British, Etihad, United, Air Canada (max 80p value)
Return 8.33--13.33%, if 1:1 points transferred to AirAsia, KLM/Air France, Finnair, Singapore, Vistara, Vietnam, Hainan, IHG, Wyndham (max 80p value)

How much are International Airline Miles worth in India? - moolahgeeks

Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally.

www.moolahgeeks.com

Convenience fee extra, No discount.
But check for price markup compared to the direct airline/Skyscanner/MMT/Cleartrip

4. Axis Atlas (Rs.5900 better than LTF) for--
Direct hotel, Agoda, direct flights (both online and offline)
Return 10.00/11.33/12.00/12.33% if 1:2 Atlas Edge miles transferred to Accor (Rs.1 value) based on target spends <3lacs/3 lacs/7.5 lacs/15 lacs per card anniversary year.
No convenience fee, no discount, no price markup

5. Axis Atlas (Rs.5900 better than LTF) for--
a. Rent <50k
b. Insurance <5k
c. ALL offline & ALL online (except fuel, rent >50k, insurance >5k, wallet, EMI, withdrawals).
Return 4.00/5.33/6.00/6.33% if 1:2 Atlas Edge miles transferred to Accor (Rs.1 value), based on target spends <3lacs/3 lacs/7.5 lacs/15 lacs per card anniversary year.

6a. HDFC Tata Infinity (LTF) for--
UPI / scan QR code
Return 1.50% (1 on 34)

6b. CSB Edge Rupay (LTF, waiting list) for--
UPI / scan QR code
Return upto 5.00% (not verified)

7. Axis Magnus Burgundy (LTF) for--
Gyftr, Grabdeals (2x/3x/5x)
Return 9.60/14.40/24.00%
Gyftr, Grabdeals 1x points come after 3 days.
Gyftr, Grabdeals 4x points of the whole month are credited on M+3 basis on the 25th (90+ days later).
eg. January 4x points will come on 25 April

8. Amex Platinum Travel (FY free, Rs.5900) for 4 lacs target spend on--
a. Insurance (upto 4 lacs)
b. Govt & taxes (upto 4 lacs)
c. Amazon pay on Gyftr Amex 3x
Return 6.35% (1st yr, incl FYF, 2000+4000 points) @35 paisa/point
Return 4.88% (2nd yr onwards) @35 paisa/point
Offline low acceptance

9. SBI Cashback (Rs.1179) for--
a. Online (except Utility, Insurance, Fuel, Rent, Wallet, School & Educational Services, Jewelry, Railways)
Return 5% cashback (max. 5000 on 1 lac).
b. Fuel--buy IOCL voucher on Park plus.
Return 2% + 5% cashback
c. Railways--buy 5000 MMT e-pay gift card at 4% discount on Amazon
Discount 4% + 5% cashback

10. Any Kotak/PNB/Federal/Canbank card (----) for--
Hotels (both domestic and international)
Discount 25--35% (upto 5000/7500/10000 per booking, per card) on Cleartrip.

11. Axis Airtel (Rs.590) for--
a. Airtel bills--prepaid, billing, broadband
Return 25% cashback (max. 300 on 1200)
b. Utility bills--Electricity, Gas, Water, DTH
Return 10% cashback (max. 300 on 3000)
c. Food delivery--Swiggy, Zomato
Return 10% cashback (max. 500 on 5000)

12. AU Lit (LTF) for--
a. Travel/Electronics/Dining/Grocery
Activate travel/electronics/dining/grocery, target spend and online for 353+353+353 fee for 3 months
Return 8.97% after deducting fees
b. Apparel (all clothing stores)
Activate apparel, target spend and online for 235+353+353 fee for 3 months.
Return 9.36% after deducting fees

13. HDFC Diners club Black Metal (if 1st yr free) for--
Rent on HDFC Bill pay (only if 4 lacs/qtr)
Return 5.37% (only if 4 lacs/qtr)

14a. Amex MRCC (FY free, Rs.885) 1500x4/mth for--
a. Fuel--buy 1500 x 4 Indian Oil voucher on Park+ app
Return 2.00+9.33%
b. Amazon pay on Gyftr Amex 2x
Return 10.27% (1st yr, incl FYF, 2000+4000 points) if 18k points converted to 7k Amazon pay
Return 5.62% (2nd yr onwards, incl 50% fee for 15mth) if 18k points converted to 7k Amazon pay.
FYF, get 2000 referral points and 4000 joining points by spending 15k in 90days.
Spend 4x1500 every month for 10 months
Offline low acceptance

14b. Amex Gold (FY 1180, CLOSE) 6x1000/month for--
a. Fuel only at HPCL (no surcharge)
Return 7.55% on Fuel at HPCL, if 18k points converted to 7k Amazon pay
b. Fuel--buy 1500 x 4 Indian Oil voucher on Park+ app
Return 2.00+7.55%
c. Amazon pay on Gyftr Amex 5x
Return 10.38% on Amazon pay 5x, (incl 1180, 2000+4000 points) if 18k points converted to 7k Amazon pay.
Pay 1180 fee, get 2000 referral points and 4000 joining points by spending 10k in 90days.
Spend 6x1000 every month for 8 months

14c. SBI Octane (Rs.269) for--
Fuel only at BPCL
Return 6.25% cashback + 1% surcharge waiver
(only if you phone 18001801290 or (prefix local STD code) 39020202 and ask for the conversion of your points into cash)

14d. StanChart super value Titanium (LTF) for-
Fuel at all pumps
Return 4% cashback+ 1% surcharge waiver

14e. One Metal (LTF)--
Fuel buy 1500 IOCL voucher on Park plus
Return 10% discount (150 on 1500)

15. Kotak Privy league PAID (Rs.2950) for--
1000 Amazon pay once a month
Return 28.75% (only 1000 spend every month)
DISCONTINUED, NOT AVAILABLE NOW

16. Yes Marquee (Rs.11800, better than free) for--
(Except Rent, Wallet, Recharge, withdrawals, Utilities , Insurance, Education, Government)
Indian online spends (some exceptions)
Return 4.50%
Indian offline/swipe spends (some exceptions)
Return 2.25%
Foreign online spends (4.50--1.18)(some exceptions)
Return 3.32%
Foreign offline/swipe spends (2.25--1.18)(some exceptions)
Return 1.07%

17a. Yes Reserv 3x (Rs.2359+4130) for--
(Except Rent, Wallet, Recharge, withdrawals, Utilities , Insurance, Education, Government)
Indian online spends (some exceptions)
Return 6.00% (if you use points for flights)
Indian offline spends (some exceptions)
Return 4.50% (if you use points for flights)
Foreign online spends (6.00--2.07)(some exceptions)
Return 3.93% (if you use points for flights)
Foreign offline/swipe spends (4.50--2.07)(some exceptions)
Return 2.43% (if you use points for flights)

17b. Yes Reserv 5x (Rs.2359+5900) for--
Travel/Dining/Fashion/Healthcare
Indian online spends
Return 9.00% (if you use points for flights)
Indian offline spends
Return 7.50% (if you use points for flights)
Foreign online spends (9.00--2.07)
Return 6.93% (if you use points for flights)
Foreign offline/swipe spends (7.50--2.07)
Return 5.43% (if you use points for flights)

Please like if you appreciate my advice, thank you 🙏

Hi
Thanks for detailed post. Why have you restricted Axis Magnus for insurance upto 1 lakh per month only. In my understanding, they have limit on per transaction limit and no limit on transaction in a month. An I missing anything?

 

[drsel]

Hi
Thanks for detailed post. Why have you restricted Axis Magnus for insurance upto 1 lakh per month only. In my understanding, they have limit on per transaction limit and no limit on transaction in a month. An I missing anything?

The limit is for getting edge points.
you can transact beyond 1 lac in a calendar month, but you won't get edge points

 

[Copycat]

@drsel
Thanks. Great content & what's even better is that you keep updating it

Do you by any chance know how to pay advance tax using an Amex Platinum Travel? Any idea if Amex Platinum works on the Kotak gateway? The charge is 2.75%, though (international cards)
I would have tried but my first Amex card, an MRCC, is still on its way and I wanted to order a Platinum Travel soon if someone has already tried paying advance tax

 

[drsel]

@drsel
Thanks. Great content & what's even better is that you keep updating it

Do you by any chance know how to pay advance tax using an Amex Platinum Travel? Any idea if Amex Platinum works on the Kotak gateway? The charge is 2.75%, though (international cards)
I would have tried but my first Amex card, an MRCC, is still on its way and I wanted to order a Platinum Travel soon if someone has already tried paying advance tax

Yes I just updated it to include the devaluation of Amex Gold and MRCC on 27 Feb 2024
The reduction in returns in both cards is quite significant

 

[Deleted member 9785]

Which card to use and where? (28 Feb 2024)
This analysis of 'return on spends' is after deducting annual fees and also considering the welcome benefits--

1. Axis Magnus Burgundy (LTF) for--
a. Rent <50k
b. Insurance <1 lac/calendar month
c. Dining-- Extra 40% discount on EazyDiner 1000/2500 once a month. Also 50% discount on EazyDiner max 3000/6000 once a year
d. Movies. 1+1 upto Rs.500, 5 times/month
e. Theatre/live shows. 1+1 upto Rs.500, 5 times/month
f. ALL offline & ALL online (except fuel, rent >50k, insurance >1 lac, Govt, utilities, wallet, EMI, withdrawals)
Return 4.80% upto 1.5 lacs/month, 14.00% above 1.5 lacs/month) if 5:4 Burgundy points transferred to Accor (Rs.1 value)
Return 2.88--3.84% upto 1.5 lacs/month, 8.40--11.20% above 1.5 lacs/month) if 5:4 Burgundy points transferred to other partners. (60--80p value)

2. Axis Magnus Burgundy (LTF) for--
Flights on Traveledge 5x points
Return 24% if 5:4 Burgundy points transferred to Accor (Rs.1 value)
Return 14.40--19.20% if 5:4 Burgundy points transferred to other partners. (60--80p value)
No convenience fee, no discount.
But check for price markup compared to the direct airline/Skyscanner/MMT/Cleartrip.
Traveledge 1x points come after 3 days.
Traveledge 4x points of the whole month are credited on M+2 basis on the 15th (45+ days later).
eg. January 4x points will come on 15 March.

3. HDFC Infinia (Rs.2250) for--
a. Amazon pay (--2.95% fee), Amazon shopping, Flipkart, Myntra, Swiggy on Smartbuy 5x points (upto 112500 per day/mth
b. Flights on SmartBuy 5x points (upto 112500 per day/mth)
c. Hotels on Smartbuy 10x (upto 56250 per day/mth)

If points used for direct flight booking on Smartbuy (BEST option) --
Return 15.56% or discount of 13.46% on airtickets on Smartbuy (since points can be used for only 70% of flight booking). Convenience fee extra, No discount, no price markup.

If points are transferred to 3 hotel and 13 airline partners--
Return 8.33%, if 2:1 points transferred to Accor (Rs.1 value)
Return 5.00--6.66% if 2:1 points transferred to Turkish, Avianca, British, Etihad, United, Air Canada (60--80p value)
Return 6.66--10%, if 1:1 points transferred to AirAsia, KLM/Air France, Finnair, Singapore, Vistara, Vietnam, Hainan, IHG, Wyndham (40-- 60p value)

How much are International Airline Miles worth in India? - moolahgeeks

Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally.

www.moolahgeeks.com

4. Axis Atlas (Rs.5900 better than LTF) for--
Direct hotel, Agoda, direct flights (both online and offline)
Return 10.00/11.33/12.00/12.33% if 1:2 Atlas Edge miles transferred to Accor (Rs.1 value) based on target spends <3lacs/3 lacs/7.5 lacs/15 lacs per card anniversary year.
No convenience fee, no discount, no price markup

5. Axis Atlas (Rs.5900 better than LTF) for--
a. Rent <50k
b. Insurance <5k
c. ALL offline & ALL online (except fuel, rent >50k, insurance >5k, wallet, EMI, withdrawals).
Return 4.00/5.33/6.00/6.33% if 1:2 Atlas Edge miles transferred to Accor (Rs.1 value), based on target spends <3lacs/3 lacs/7.5 lacs/15 lacs per card anniversary year.

6a. HDFC Tata Infinity (LTF) for--
UPI / scan QR code
Return 1.50% (1 on 34)

6b. CSB Edge Rupay (LTF, waiting list) for--
UPI / scan QR code
Return upto 5.00% (not verified)

7. Axis Magnus Burgundy (LTF) for--
a. Flipkart on Grabdeals 5x points
Return 24% if 5:4 Burgundy points transferred to Accor (Rs.1 value)
b. Other Gyftr, Grabdeals (2x/3x/5x)
Return 9.60/14.40/24.00% if 5:4 Burgundy points transferred to Accor (Rs.1 value)
Gyftr, Grabdeals 1x points come after 3 days.
Gyftr, Grabdeals 4x points of the whole month are credited on M+3 basis on the 25th (90+ days later).
eg. January 4x points will come on 25 April

8. Amex Platinum Travel (FY free, Rs.5900) for 4 lacs target spend on--
a. Insurance (upto 4 lacs)
b. Govt & taxes (upto 4 lacs)
c. Amazon pay on Gyftr Amex 3x
Return 6.35% (1st yr, incl FYF, 2000+4000 points) @35 paisa/point
Return 4.88% (2nd yr onwards) @35 paisa/point
Offline low acceptance

9. SBI Cashback (Rs.1179) for--
a. Online (except Utility, Insurance, Fuel, Rent, Wallet, School & Educational Services, Jewelry, Railways)
Return 5% cashback (max. 5000 on 1 lac).
b. Fuel--buy IOCL voucher on Park plus.
Return 2% + 5% cashback
c. Railways--buy 5000 MMT e-pay gift card at 4% discount on Amazon
Discount 4% + 5% cashback

10. Any Kotak/PNB/Federal/Canbank card (----) for--
Hotels (both domestic and international)
Discount 25--35% (upto 5000/7500/10000 per booking, per card) on Cleartrip.

11. Axis Airtel (Rs.590) for--
a. Airtel bills--prepaid, billing, broadband
Return 25% cashback (max. 300 on 1200)
b. Utility bills--Electricity, Gas, Water, DTH
Return 10% cashback (max. 300 on 3000)
c. Food delivery--Swiggy, Zomato
Return 10% cashback (max. 500 on 5000)

12. AU Lit (LTF) for--
a. Travel/Electronics/Dining/Grocery
Activate travel/electronics/dining/grocery, target spend and online for 353+353+353 fee for 3 months
Return 8.97% after deducting fees
b. Apparel (all clothing stores)
Activate apparel, target spend and online for 235+353+353 fee for 3 months.
Return 9.36% after deducting fees

13. HDFC Diners club Black Metal (if 1st yr free) for--
Rent on HDFC Bill pay (only if 4 lacs/qtr)
Return 5.37% (only if 4 lacs/qtr)

14a. Amex MRCC (FY free, Rs.885) 1500x4/mth for--
a. Fuel--buy 1500 x 4 Indian Oil voucher on Park+ app
Return 2.00+8.00%
b. Amazon pay on Gyftr Amex 2x
Return 8.80% (1st yr, incl FYF, 2000+4000 points) if 18k points converted to 6k Amazon pay
Return 5.62% (2nd yr onwards, incl 50% fee for 15mth) if 18k points converted to 6k Amazon pay. (devalued 27 Feb 2024)
FYF, get 2000 referral points and 4000 joining points by spending 15k in 90days.
Spend 4x1500 every month for 10 months
Offline low acceptance

14b. Amex Gold (FY 1180, CLOSE) 6x1000/month for--
a. Fuel only at HPCL (no surcharge)
Return 6.47% on Fuel at HPCL, if 18k points converted to 6k Amazon pay
b. Fuel--buy 1500 x 4 Indian Oil voucher on Park+ app
Return 6.47% + 2.00% cashback
c. Amazon pay on Gyftr Amex 5x
Return 8.80% on Amazon pay 5x, (incl 1180, 2000+4000 points) if 18k points converted to 6k Amazon pay.
Pay 1180 fee, get 2000 referral points and 4000 joining points by spending 10k in 90days.
Spend 6x1000 every month for 8 months

14c. SBI Octane (Rs.269) for--
Fuel only at BPCL
Return 6.25% cashback + 1% surcharge waiver
(only if you phone 18001801290 or (prefix local STD code) 39020202 and ask for the conversion of your points into cash)

14d. StanChart super value Titanium (LTF) for-
Fuel at all pumps
Return 4% cashback+ 1% surcharge waiver

14e. One Metal (LTF)--
Fuel buy 1500 IOCL voucher on Park plus
Return 10% discount (150 on 1500)

15. Kotak Privy league PAID (Rs.2950) for--
1000 Amazon pay once a month
Return 28.75% (only 1000 spend every month)
DISCONTINUED, NOT AVAILABLE NOW

16. Yes Marquee (Rs.11800, better than free) for--
(Except Rent, Wallet, Recharge, withdrawals, Utilities , Insurance, Education, Government)
Indian online spends (some exceptions)
Return 4.50%
Indian offline/swipe spends (some exceptions)
Return 2.25%
Foreign online spends (4.50--1.18)(some exceptions)
Return 3.32%
Foreign offline/swipe spends (2.25--1.18)(some exceptions)
Return 1.07%

17a. Yes Reserv 3x (Rs.2359+4130) for--
(Except Rent, Wallet, Recharge, withdrawals, Utilities , Insurance, Education, Government)
Indian online spends (some exceptions)
Return 6.00% (if you use points for flights)
Indian offline spends (some exceptions)
Return 4.50% (if you use points for flights)
Foreign online spends (6.00--2.07)(some exceptions)
Return 3.93% (if you use points for flights)
Foreign offline/swipe spends (4.50--2.07)(some exceptions)
Return 2.43% (if you use points for flights)

17b. Yes Reserv 5x (Rs.2359+5900) for--
Travel/Dining/Fashion/Healthcare
Indian online spends
Return 9.00% (if you use points for flights)
Indian offline spends
Return 7.50% (if you use points for flights)
Foreign online spends (9.00--2.07)
Return 6.93% (if you use points for flights)
Foreign offline/swipe spends (7.50--2.07)
Return 5.43% (if you use points for flights)

Please like if you appreciate my advice, thank you 🙏

Agoda gives 5x on atlas?

 

[jack333]

Agoda gives 5x on atlas?

Yes its Lodgings mcc 7011

 

[drsel]

Agoda gives 5x on atlas?

Yes, 10% return on Agoda, but you will lose 4.13% on forex markup

 

[sm9811911]

Yes, 10% return on Agoda, but you will lose 4.13% on forex markup

Markup only when you select foreign currency for international trips. If you select inr, no fx Mark up.
Or are they charging dcc for subsidiaries of foreign parent now?

 

[4uziaul]

Markup only when you select foreign currency for international trips. If you select inr, no fx Mark up.
Or are they charging dcc for subsidiaries of foreign parent now?

I have used Agoda in the past and paid in INR without incurring any Forex markup fees.

 

[drsel]

I have used Agoda in the past and paid in INR without incurring any Forex markup fees.

But INR rate will be 3.50--4.00% more on Agoda, when they charge you in INR.
Check the forex rate on xe.com
Also DCC 1.18% may or may not be charged by the credit card issuing bank. @sm9811911

 

[sm9811911]

But INR rate will be 3.50--4.00% more on Agoda, when they charge you in INR.
Check the forex rate on xe.com
Also DCC 1.18% will be charged by the credit card issuing bank. @sm9811911

As i said in the past it did not happen (3-4 months ago). I checked the fx rate as well.
And this is all for international, you can easily book domestic without worrying about fx fee.

 

[jack333]

Yes i also used in the past. Didn't get charged any dcc or markup for domestic booking

But INR rate will be 3.50--4.00% more on Agoda, when they charge you in INR.
Check the forex rate on xe.com
Also DCC 1.18% will be charged by the credit card issuing bank. @sm9811911

 

[drsel]

Yes i also used in the past. Didn't get charged any dcc or markup for domestic booking

I was referring to international hotels.
when the room rate is charged in rupees for international hotels, it will not be the correct rate on xe.com

So the markup is hidden in the price and the DCC may or may not be charged by your credit card issuing Bank

 

[VasukiVasuki is verified member.]

Which card to use and where? (5 Mar 2024)
This analysis of 'return on spends' is after deducting annual fees and also considering the welcome benefits--

1. Axis Magnus Burgundy (LTF) for--
a. Rent <50k
b. Insurance <1 lac/calendar month
c. Dining-- Extra 40% discount on EazyDiner 1000/2500 once a month. Also 50% discount on EazyDiner max 3000/6000 once a year
d. Movies. 1+1 upto Rs.500, 5 times/month
e. Theatre/live shows. 1+1 upto Rs.500, 5 times/month
f. ALL offline & ALL online (except fuel, rent >50k, insurance >1 lac, Govt, utilities, wallet, EMI, withdrawals)
Return 4.80% upto 1.5 lacs/month, 14.00% above 1.5 lacs/month) if 5:4 Burgundy points transferred to Accor (Rs.1 value)
Return 2.88--3.84% upto 1.5 lacs/month, 8.40--11.20% above 1.5 lacs/month) if 5:4 Burgundy points transferred to other partners. (60--80p value)

2. Axis Magnus Burgundy (LTF) for--
Flights on Traveledge 5x points
Return 24% if 5:4 Burgundy points transferred to Accor (Rs.1 value)
Return 14.40--19.20% if 5:4 Burgundy points transferred to other partners. (60--80p value)
No convenience fee, no discount.
But check for price markup compared to the direct airline/Skyscanner/MMT/Cleartrip.
Traveledge 1x points come after 3 days.
Traveledge 4x points of the whole month are credited on M+2 basis.
eg. January 4x points will come in March.

3. HDFC Infinia (Rs.2250) for--
a. Amazon pay (--2.95% fee), Amazon shopping, Flipkart, Myntra, Swiggy on Smartbuy 5x points (upto 112500 per day/mth
b. Flights on SmartBuy 5x points (upto 112500 per day/mth)
c. Hotels on Smartbuy 10x (upto 56250 per day/mth)

1. If points used for direct flight booking on Smartbuy (BEST option) --
Return 15.55% or discount of 13.46% on airtickets on Smartbuy (since points can be used for only 70% of flight booking). Convenience fee extra, No discount, no price markup.
Return 12.60% for Amazon pay (cos 2.95% fee)

2. If points are transferred to 3 hotel and 13 airline partners--
Return 8.33%, if 2:1 points transferred to Accor (Rs.1 value)
Return 5.00--6.66% if 2:1 points transferred to Turkish, Avianca, British, Etihad, United, Air Canada (60--80p value)
Return 6.66--10%, if 1:1 points transferred to AirAsia, KLM/Air France, Finnair, Singapore, Vistara, Vietnam, Hainan, IHG, Wyndham (40-- 60p value)

How much are International Airline Miles worth in India? - moolahgeeks

Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally.

www.moolahgeeks.com

4. Axis Atlas (Rs.5900 better than LTF) for--
Direct hotel, Agoda, direct flights (both online and offline)
Return 10.00/11.33/12.00/12.33% if 1:2 Atlas Edge miles transferred to Accor (Rs.1 value) based on target spends <3lacs/3 lacs/7.5 lacs/15 lacs per card anniversary year.
No convenience fee, no discount, no price markup

5. Axis Atlas (Rs.5900 better than LTF) for--
a. Rent <50k
b. Insurance <5k
c. ALL offline & ALL online (except fuel, rent >50k, insurance >5k, wallet, EMI, withdrawals).
Return 4.00/5.33/6.00/6.33% if 1:2 Atlas Edge miles transferred to Accor (Rs.1 value), based on target spends <3lacs/3 lacs/7.5 lacs/15 lacs per card anniversary year.

6a. HDFC Tata Infinity (LTF) for--
UPI / scan QR code
Return 1.50% (1 on 34)

6b. CSB Edge Rupay (LTF, waiting list) for--
UPI / scan QR code
Return upto 5.00% (not verified)

7. Axis Magnus Burgundy (LTF) for--
a. Flipkart on Grabdeals 5x points
Return 24% if 5:4 Burgundy points transferred to Accor (Rs.1 value)
b. Other Gyftr, Grabdeals (2x/3x/5x)
Return 9.60/14.40/24.00% if 5:4 Burgundy points transferred to Accor (Rs.1 value)
Gyftr, Grabdeals 1x points come after 3 days.
Gyftr, Grabdeals 4x points of the whole month are credited on M+3 basis on the 25th (90+ days later).
eg. January 4x points will come on 25 April

8. Amex Platinum Travel (FY free, Rs.5900) for 4 lacs target spend on--
a. Insurance (upto 4 lacs)
b. Govt & taxes (upto 4 lacs)
c. Amazon pay on Gyftr Amex 3x
Return 5.57% (1st yr, incl FYF, 2000+4000 points) @30 paisa/point
Return 4.18% (2nd yr onwards) @30 paisa/point
Offline low acceptance

9. SBI Cashback (Rs.1179) for--
a. Online (except Utility, Insurance, Fuel, Rent, Wallet, School & Educational Services, Jewelry, Railways)
Return 5% cashback (max. 5000 on 1 lac).
b. Fuel--buy IOCL voucher on Park plus.
Return 2% + 5% cashback
c. Railways--buy 5000 MMT e-pay gift card at 4% discount on Amazon
Discount 4% + 5% cashback

10. Any Kotak/PNB/Federal/Canbank card (----) for--
Hotels (both domestic and international)
Discount 25--35% (upto 5000/7500/10000 per booking, per card) on Cleartrip.

11. Axis Airtel (Rs.590) for--
a. Airtel bills--prepaid, billing, broadband
Return 25% cashback (max. 300 on 1200)
b. Utility bills--Electricity, Gas, Water, DTH
Return 10% cashback (max. 300 on 3000)
c. Food delivery--Swiggy, Zomato
Return 10% cashback (max. 500 on 5000)

12. AU Lit (LTF) for--
a. Travel/Electronics/Dining/Grocery
Activate travel/electronics/dining/grocery, target spend and online for 353+353+353 fee for 3 months
Return 8.97% after deducting fees
b. Apparel (all clothing stores)
Activate apparel, target spend and online for 235+353+353 fee for 3 months.
Return 9.36% after deducting fees

13. HDFC Diners club Black Metal (if 1st yr free) for--
Rent on HDFC Bill pay (only if 4 lacs/qtr)
Return 5.37% (only if 4 lacs/qtr)

14a. Amex MRCC (FY free, Rs.885) 1500x4/mth for--
a. Fuel--buy 1500 x 4 Indian Oil voucher on Park+ app
Return 8.18% + 2.00% cashback
b. Amazon pay on Gyftr Amex 2x
Return 9.00% (1st yr, incl FYF, 2000+4000 points) if 18k points converted to 6k Amazon pay (worth 5400)
Return 5.62% (2nd yr onwards, incl 50% fee for 15mth) if 18k points converted to 6k Amazon pay (worth 5400)
FYF, get 2000 referral points and 4000 joining points by spending 15k in 90days.
Spend 4x1500 every month for 10 months
Offline low acceptance

14b. Amex Gold (FY 1180, CLOSE) 6x1000/month for--
a. Fuel only at HPCL (no surcharge)
Return 6.39% on Fuel at HPCL, if 18k points converted to 6k Amazon pay (worth 5400)
b. Fuel--buy 1000 x 6 Indian Oil voucher on Park+ app
Return 6.39% + 2.00% cashback
c. Amazon pay on Gyftr Amex 5x
Return 8.79% on Amazon pay 5x, (incl 1180, 2000+4000 points) if 18k points converted to 6k Amazon pay (worth 5400)
Pay 1180 fee, get 2000 referral points and 4000 joining points by spending 10k in 90days.
Spend 6x1000 every month for 8 months
Offline low acceptance.

14c. SBI Octane (Rs.269) for--
Fuel only at BPCL
Return 6.25% cashback + 1% surcharge waiver
(only if you phone 18001801290 or (prefix local STD code) 39020202 and ask for the conversion of your points into cash)

14d. One Metal (LTF)--
Fuel buy 1500 IOCL voucher on Park plus
Return 10% discount (150 on 1500)

15. Kotak Privy league PAID (Rs.2950) for--
1000 Amazon pay once a month
Return 28.75% (only 1000 spend every month)
DISCONTINUED, NOT AVAILABLE NOW

16. Yes Marquee (Rs.11800, better than free) for--
(Except Rent, Wallet, Recharge, withdrawals, Utilities , Insurance, Education, Government)
Indian online spends (some exceptions)
Return 4.50%
Indian offline/swipe spends (some exceptions)
Return 2.25%
Foreign online spends (4.50--1.18)(some exceptions)
Return 3.32%
Foreign offline/swipe spends (2.25--1.18)(some exceptions)
Return 1.07%

17a. Yes Reserv 3x (Rs.2359+4130) for--
(Except Rent, Wallet, Recharge, withdrawals, Utilities , Insurance, Education, Government)
Indian online spends (some exceptions)
Return 6.00% (if you use points for flights)
Indian offline spends (some exceptions)
Return 4.50% (if you use points for flights)
Foreign online spends (6.00--2.07)(some exceptions)
Return 3.93% (if you use points for flights)
Foreign offline/swipe spends (4.50--2.07)(some exceptions)
Return 2.43% (if you use points for flights)

17b. Yes Reserv 5x (Rs.2359+5900) for--
Travel/Dining/Fashion/Healthcare
Indian online spends
Return 9.00% (if you use points for flights)
Indian offline spends
Return 7.50% (if you use points for flights)
Foreign online spends (9.00--2.07)
Return 6.93% (if you use points for flights)
Foreign offline/swipe spends (7.50--2.07)
Return 5.43% (if you use points for flights)

Please like if you appreciate my advice, thank you 🙏

Can anyone Help understand whole context
With atlas .
Understood the reward now
How to utilise redeem & earn in efficient way ..
If you know any trick plz Dm 😍

 

[hrishig]

Best post I have seen so far. Thanks for adding them in one place. Regarding HDFC Tata Infinity, Do you want to add neu pass info? They practically give back 10% on BigBasket, 1 mg, and other things.

 

[noobdipesh]

18. Axis Privilege (Rs.1770, better than free) for--
ALL offline/online 2.50 lac target (except wallet, fuel, Govt taxes, education, utilities, rent, Gold/jewelry, insurance)
Return 4.00 (base) + 3.20 (2.5 lac target) = 7.20%

This was the reward rate when we were able tp redeem it into multi brand voucher, right? If yes, then you should remove it from the list.