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qwert

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Hello, I am currently using sbi pulse card. I am getting 2 offers right now.
  1. Upgrade current card:- sbi Elite is showing and its paid card (4999+gst)
  2. apply for new one: BPCL and simply save, both are paid card(499+gst)
can anyone suggest me if I should opt for any of these options? tbh I want cashback more than these but I am not getting offer regarding that. My current card is not that great. I need sbi card which will be beneficial for me.

fyi: I am using millennia mostly, planning to get swiggy and one good rupay card9currently using coral).
 
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qwert said:
Hello, I am currently using sbi pulse card. I am getting 2 offers right now.
  1. Upgrade current card:- sbi Elite is showing and its paid card (4999+gst)
  2. apply for new one: BPCL and simply save, both are paid card(499+gst)
can anyone suggest me if I should opt for any of these options? tbh I want cashback more than these but I am not getting offer regarding that. My current card is not that great. I need sbi card which will be beneficial for me.

fyi: I am using millennia mostly, planning to get swiggy and one good rupay card.
Click to expand...
BPCL and simply save are both available on rupay
So you can check if ticks both boxes for you.
Honestly, never heard of Elite card and how useful it is with 5k+GST fees.
 
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qwert said:
Hello, I am currently using sbi pulse card. I am getting 2 offers right now.
  1. Upgrade current card:- sbi Elite is showing and its paid card (4999+gst)
  2. apply for new one: BPCL and simply save, both are paid card(499+gst)
can anyone suggest me if I should opt for any of these options? tbh I want cashback more than these but I am not getting offer regarding that. My current card is not that great. I need sbi card which will be beneficial for me.

fyi: I am using millennia mostly, planning to get swiggy and one good rupay card.
Click to expand...
1. Cancel your sbi card
2. Apply simplisave/click
3.Apply hdfc swiggy
4.Apply yes bank kiwi
 
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qwert said:
Hello, I am currently using sbi pulse card. I am getting 2 offers right now.
  1. Upgrade current card:- sbi Elite is showing and its paid card (4999+gst)
  2. apply for new one: BPCL and simply save, both are paid card(499+gst)
can anyone suggest me if I should opt for any of these options? tbh I want cashback more than these but I am not getting offer regarding that. My current card is not that great. I need sbi card which will be beneficial for me.

fyi: I am using millennia mostly, planning to get swiggy and one good rupay card.
Click to expand...
BPCL lelo aishh kro
50k spend based for fees reversal which is easy with rupay spend
 
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Vasuki said:
BPCL lelo aishh kro
50k spend based for fees reversal which is easy with rupay spend
Click to expand...
No guarantee that sbi will continue to give discount in co-branded credit cards.
Hdfc too used to give discount in co branded credit cards, recently stopped.
You can expect the same for other banks.
So better to go for simplisave/simpliclick
Also better chance to convert ltf if it is a core card
 
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qwert said:
Hello, I am currently using sbi pulse card. I am getting 2 offers right now.
  1. Upgrade current card:- sbi Elite is showing and its paid card (4999+gst)
  2. apply for new one: BPCL and simply save, both are paid card(499+gst)
can anyone suggest me if I should opt for any of these options? tbh I want cashback more than these but I am not getting offer regarding that. My current card is not that great. I need sbi card which will be beneficial for me.

fyi: I am using millennia mostly, planning to get swiggy and one good rupay card.
Click to expand...
I'd suggest u go ahead and opt for Simplysave rupay if it's available in ur offered list
BPCL : not recommended as it's co-branded and redemption is not that easy
Elite: The fee doesn't justify the benefits it offer but still if u want lifestyle benefits go ahead and consider upgrading to this card
 
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Sahil_07 said:
1. Cancel your sbi card
2. Apply simplisave/click
3.Apply hdfc swiggy
4.Apply yes bank kiwi
Click to expand...
1. I will but on the month of jan.
2. I don't see any major benefit, I am using rupay coral right now so I am looking for better card for rupay variant
3. Its showing FYF, I am waiting for LTF offer
4. Its on my plan as of now
 
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Fini7777 said:
I'd suggest u go ahead and opt for Simplysave rupay if it's available in ur offered list
BPCL : not recommended as it's co-branded and redemption is not that easy
Elite: The fee doesn't justify the benefits it offer but still if u want lifestyle benefits go ahead and consider upgrading to this card
Click to expand...
Simplysave rupay: its showing paid card and I don't see that much of benefit. I am currently using coral for rupay so I need batter card than this.
yes I don't want to get into co branded card. HDFC has given many ppl headache for same reason
Elite: Tbh I am not sure about this, I might get atlas instead of this
 
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qwert said:
I am currently using coral, is it good compared to this?
Click to expand...
BPCL is good
If you don't have ltf card from sbi

1- u can use it as fuel card
2- points are redeemable at petrol pump other than usual voucher
3- 50k fees reversal which is very easy to achive
4- works everywhere in sale for 10% off


Save and click has 1 lakh fees reversal
But they have milestone
So you have see what fits your needs
 
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qwert said:
1. I will but on the month of jan.
2. I don't see any major benefit, I am using rupay coral right now so I am looking for better card for rupay variant
3. Its showing FYF, I am waiting for LTF offer
4. Its on my plan as of now
Click to expand...
2.Its only for bank discount and later convert it to ltf
And apply kiwi,best rupay card currently
 
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qwert said:
Simplysave rupay: its showing paid card and I don't see that much of benefit. I am currently using coral for rupay so I need batter card than this.
Click to expand...
it gives 1.67% valueback on Dining, Movies, Departmental Stores and Grocery Spends
I've seen many merchants accepting UPI payments on RuPay cc comes under the above categories
The decision is upto u but I'd suggest going with this card.
qwert said:
yes I don't want to get into co branded card. HDFC has given many ppl headache for same reason
Click to expand...
yes, u r right
qwert said:
Elite: Tbh I am not sure about this, I might get atlas instead of this
Click to expand...
ok, Atlas is far better than elite if r into travel
 
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Sahil_07 said:
No guarantee that sbi will continue to give discount in co-branded credit cards.
Hdfc too used to give discount in co branded credit cards, recently stopped.
You can expect the same for other banks.
So better to go for simplisave/simpliclick
Also better chance to convert ltf if it is a core card
Click to expand...
Does not apply for Tata Neu, all offers applies on neu, irctc
Also, even HDFC treats it's irctc card as core card, but not neu
 
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Vasuki said:
BPCL is good
If you don't have ltf card from sbi

1- u can use it as fuel card
2- points are redeemable at petrol pump other than usual voucher
3- 50k fees reversal which is very easy to achive
4- works everywhere in sale for 10% off


Save and click has 1 lakh fees reversal
But they have milestone
So you have see what fits your needs
Click to expand...
okay thanks for explanation, I will think about it.
 
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