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

 

[msk1437]

I am open to miles also.

Then you can consider sbi/idfc vistara

Gives effectively >7% return on most spends

 

[raghumahajan]

Then you can consider sbi/idfc vistara

Gives effectively >7% return on most spends

REJECTED for both with CIBIL hit

 

[raghumahajan]

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/



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.

What is

Reserv w/ Subscription 4.5%

- Manhattan is not issuing any more.

Category - shopping/apparel/gold/jewellery/hotels/hospitality

 

[bhaveshS]

Will i get 10% for dmart also through Hsbc cashback card??

 

[CyberPsych]

Kotak Myntra - 1.5%

Isn't this 1.25% (for transactions over ₹2000)?

 

[plastikman]

Will i get 10% for dmart also through Hsbc cashback card??

Use Onecard at DMart for 12% 🙂

 

[Shubham Yadav]

Use Onecard at DMart for 12% 🙂

No sir for 20%

 

[dexter_greycells]

Axis Ace at 1.5% unlimited CB is unbeatable if you are not looking for Reward Points. It has been recently devalued from 2%. So, it might be some months before they think of devaluing it again.

 

[Cc_creditguy]

Use Onecard at DMart for 12% 🙂

Guyz in my one card app no store is available, but only 300m is distance between my house and dmart am I eligible for that offer ??

 

[plastikman]

Guyz in my one card app no store is available, but only 300m is distance between my house and dmart am I eligible for that offer ??

Maybe your local DMart is not eligible for this offer.

 

[Zacobite]

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

2.5 % is long gone.. now it is around 1.75% for 10x.. one of the lowest for a pseudo premium card

 

[Zacobite]

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

hdfc premium cards are. phenomenal.. not complex at all.. scb ult is also gd if u can make use of the brands that it has.. however both these sets are usually paid cards.. SBI CB is probably a gd bet, yes marquee is emerging as overall... else i can get category specific cards.. hotels ( mmt, bonvoy) types..

 

[plastikman]

Axis Ace at 1.5% unlimited CB is unbeatable if you are not looking for Reward Points. It has been recently devalued from 2%. So, it might be some months before they think of devaluing it again.

Yes, Ace is not bad at 1.5% offline reward rate

 

[Pollex]

2.5 % is long gone.. now it is around 1.75% for 10x.. one of the lowest for a pseudo premium card

Arey bhai deval k pehle ka statement hai yeh

 

[Pollex]

net return for 50k spends (=1.2%) now

even before devaluation its never 2.5% unless that first 30k spend by someone else or spent without actually spending 🤔

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

yeh tha OG statement posted before the deval. Don’t quote old posts now and keep rehashing useless points. Everyone knows the card was devalued.

 

[techt]

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

yeh tha OG statement posted before the deval. Don’t quote old posts now and keep rehashing useless points. Everyone knows the card was devalued.

IDFC wealth gone with deval. From May 1st it is 0.5% till 20K and 1.6% later on.

 

[Pollex]

IDFC wealth gone with deval. From May 1st it is 0.5% till 20K and 1.6% later on.

Arey pata hai sir.

 

[its_karan]

No sir for 20%

Ye offer hata denge

Sabko btado bhai

 

[helloworld]

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

always consider net reward, not highest. it never 2.5% even before devaluation. If that is the case, then we can say HSbC Platinum gives 3.25% being an entry card.

unless that 30% spend by someone else, it never since day 1 .. never 2.5%.

Might be useful for other cards calculation.

 

[Shubham Yadav]

Ye offer hata denge

Sabko btado bhai

one card khudh apni chaati pr poster chipka kr sabko bata raha h