CC for offline transactions

[raghumahajan]

I am looking for a new credit card which can give me good rewards/cashback/miles for offline transactions.
Category - shopping/apparel/gold/hotels
(P.S. there are many threads, but after so many devaluations, need a new thread)

I have the below cards:
1. HDFC millennia - 1% + 1000 voucher milestone
2. SC smart - 1%
3. Kotak Myntra - 1.5%
4. Indusind Legend - 1% on weekends.

My considerations:
--> Not considering HDFC premium cards like infinia/dcb due to very complex rewarding and redemption procedure.
--> SC ultimate but GV redemption is very limited.
--> Axis cards are devalued now

Thanks in advance to TFians

 

[Pollex]

Idfc wealth gives 2.5% over spends of 30k. But under 30k its 0.75% for offline spends.

 

[raghumahajan]

Idfc wealth gives 2.5% over spends of 30k. But under 30k its 0.75% for offline spends.

IDFC not getting issued due to not being present in tier 1 or tier 2 cities.
Drawbacks of WFH.

 

[Vasuki]

I am looking for a new credit card which can give me good rewards/cashback/miles for offline transactions.
(P.S. there are many threads, but after so many devaluations, need a new thread)

I have the below cards:
1. HDFC millennia - 1% + 1000 voucher milestone
2. SC smart - 1%
3. Kotak Myntra - 1.5%
4. Indusind Legend - 1% on weekends.

My considerations:
--> Not considering HDFC premium cards like infinia/dcb due to very complex rewarding and redemption procedure.
--> SC ultimate but GV redemption is very limited.
--> Axis cards are devalued now

Thanks in advance to TFians

Axis atlas. .

 

[SSV]

Axis atlas. .

This is super card, pls go and get it

 

[akash2401]

This is super card, pls go and get it

+1
Min 4% reward rate via airmiles or accor

 

[raghumahajan]

@DocFixIt @SSV_2210
Gold and insurance removed after devaluation.
Which don't make it suitable.
Thanks for your references.

 

[Pollex]

Axis pe kaise bharosa kar rahe ho bhaiyo. Ex se jyada trust issues hai Axis cards se.

 

[SSV]

Axis pe kaise bharosa kar rahe ho bhaiyo. Ex se jyada trust issues hai Axis cards se.

My view was satirical

 

[telescope]

I am looking for a new credit card which can give me good rewards/cashback/miles for offline transactions.
(P.S. there are many threads, but after so many devaluations, need a new thread)

I have the below cards:
1. HDFC millennia - 1% + 1000 voucher milestone
2. SC smart - 1%
3. Kotak Myntra - 1.5%
4. Indusind Legend - 1% on weekends.

My considerations:
--> Not considering HDFC premium cards like infinia/dcb due to very complex rewarding and redemption procedure.
--> SC ultimate but GV redemption is very limited.
--> Axis cards are devalued now

Thanks in advance to TFians

Get sbi cashback. Buy pineperks rupay and spend with it offline. You'll get, 4% net cashback after considering shipping charges of you buy 10k worth of card. You'll get 4.5% value if you buy 20k value and so on.

 

[Pollex]

My view was satirical

Sir hum naye hai shama kare.

ab toh Axis k credit card info ka data breach bhi ho gya hai lagta hai

 

[SSV]

Sir hum naye hai shama kare.

ab toh Axis k credit card info ka data breach bhi ho gya hai lagta hai

Yes, anything can happen with axes

 

[akash2401]

@DocFixIt @SSV_2210
Gold and insurance removed after devaluation.
Which don't make it suitable.
Thanks for your references.

I am using SBI vistara prime for both..

 

[newinnov]

IDFC not getting issued due to not being present in tier 1 or tier 2 cities.
Drawbacks of WFH.

How you got SC then? Just curious

 

[msk1437]

Since you're not into airmiles, consider amex plat travel + amex gold/mrcc

 

[raghumahajan]

How you got SC then? Just curious

I had sc smart when I was in metro. So upgrade didn't have any problem 😅

 

[raghumahajan]

Since you're not into airmiles, consider amex plat travel + amex gold/mrcc

I am open to miles also.

 

[mj01]

HSBC Cashback. Not for all types of offline spends, but dining/ groceries will get you 10% CB.

 

[helloworld]

Grocery / Supermarkets / Dining - HSBC Cashback 10%*, SC Mahnattan 5%* (if SC still issue this card)
Apparel / Shopping - Reserv w/ Subscription 4.5%*, Kotak Zen 1.7%*, AMEX MRCC 5%* (if AMEX accepted), SC Manhattan 5%* (if SC still issue this card)
Other offline spends - Reserv w/ Subscription 4.5%*

also, do check milestone cards: https://www.technofino.in/community/threads/credit-cards-with-quarterly-annual-milestones.2491/

Gold and insurance removed after devaluation.

Which don't make it suitable.

If you have specific category requirement in offline, do mention in your post. Helpful for suggestions. If possible, suggest me best card for online.

*on eligible MCC.

 

[techt]

Since you're not into airmiles, consider amex plat travel + amex gold/mrcc

Offline and amex