Credit cards for eletricity bill rewards or cashback

[Chaitanya-a]

Are you sure? I wasn't able to do it for bescom

Yup. It was allowing to edit the amount.

 

[lhgeek]

Yup. It was allowing to edit the amount.

But I couldn't pay lower than the billed amount.. had to pay greater than or equal to the billed amount

 

[Chaitanya-a]

But I couldn't pay lower than the billed amount.. had to pay greater than or equal to the billed amount

Is it? I thought it should allow any amount if giving edit option.

 

[lhgeek]

Is it? I thought it should allow any amount if giving edit option.

Yeah.. edit is there.. but you can't pay lower than the billed amount. I was trying this for the Friday rupay offer.

 

[ak93]

I had a bill of around 1.5k, so paid 1k with amazon pay balance (bought from gyftr) and 500 with rupay dc to get 100 discount.

 

[rockking1994]

I was unable to load wallet trough my bob virtual debit card failed transaction after putting in details in payu money gateway
Tried direct electric bill payment said 100 discount but after putting in card details and cvv it doesn’t ask for otp and directly says electric bill payment pending 🥲😕

 

[Chaitanya-a]

I was unable to load wallet trough my bob virtual debit card failed transaction after putting in details in payu money gateway
Tried direct electric bill payment said 100 discount but after putting in card details and cvv it doesn’t ask for otp and directly says electric bill payment pending 🥲😕

Bob virtual card is facing issues since past 2 weeks atleast.

 

[rockking1994]

Bob virtual card is facing issues since past 2 weeks atleast.

I guess then i have to settle for my bob snapdeal 2.5% rewards or should i try for next Friday i have ordered the rupay platinum debit card from the app lets see if physical card works

 

[saucy]

I have to pay electricity bill of about 6500 = 3000 + 2000 + 1500
I have airtel axis cc soo 3000 should get me 300 cb which is 10% no brainer
how ever what can i do to maximize the reward for remaing amout of 3500

I have HDFC millenia, SBI vistara Prime, BoB snapdeal, amazpn icici and amex smart earn
i also have BoB debit cards visa, master and rupay and HDFC easyshop platinum debit card

Here is what I've been thinking (I'm in a similar situation)
Airtel CC + Axis Ace, then cc payment via HDFC platinum.

If you can't get ACE, get amex MRCC. you get 5% ish if you spend around 90k on the card (read tnc)
If you have good amount of recurring transactions, Amex MRCC + Airtel card should be top level.

 

[rockking1994]

Here is what I've been thinking (I'm in a similar situation)
Airtel CC + Axis Ace, then cc payment via HDFC platinum.

If you can't get ACE, get amex MRCC. you get 5% ish if you spend around 90k on the card (read tnc)
If you have good amount of recurring transactions, Amex MRCC + Airtel card should be top level.

To be honest I don’t have any real expenses for my credit cards i just pay electricity bill me sometime buy groceries on amazon or flipkart some swiggy order or dinner with wife some train tickets for family which hardly cross 10k
Most of my salary goes towards investment in mutual fund and cash to wife for which I can’t use my cc i am currently just artificially increasing my cc spends trough wallet loads and paying off cc with cc trough wallet loads to earn rewards
I tried to get mrcc as ltf as I already have amex smart earn didnt get it

 

[saucy]

Mrcc is good if you can do 4 txn a month worth 1500 each.
That's about 6k a month
This, plus an occasional spend here and there would get you to 7.5k a month spend on amex which gets best reward.

However I'd recommend that credit cards shouldn't feel like a task - you must get pleasure in chasing that extra 5% off or something. That's why i feel artificially getting rewards kills the "game". It's mostly mindless cheating

 

[masumshah59]

I have to pay electricity bill of about 6500 = 3000 + 2000 + 1500
I have airtel axis cc soo 3000 should get me 300 cb which is 10% no brainer
how ever what can i do to maximize the reward for remaing amout of 3500

I have HDFC millenia, SBI vistara Prime, BoB snapdeal, amazpn icici and amex smart earn
i also have BoB debit cards visa, master and rupay and HDFC easyshop platinum debit card

If these amounts are somewhat regular year round, apply for another Airtel Axis in your family name!

 

[rockking1994]

If these amounts are somewhat regular year round, apply for another Airtel Axis in your family name!

Its a regular 4.5 to 6k dont see that much value in getting a card in family for just a spending of around 2k a month

 

[rockking1994]

Mrcc is good if you can do 4 txn a month worth 1500 each.
That's about 6k a month
This, plus an occasional spend here and there would get you to 7.5k a month spend on amex which gets best reward.

However I'd recommend that credit cards shouldn't feel like a task - you must get pleasure in chasing that extra 5% off or something. That's why i feel artificially getting rewards kills the "game". It's mostly mindless cheating

To be honest unless you are heavy spender with your cc the rewards don’t make sense with the amount of risk that comes with owning a credit card i only do it as a hobby to get a feeling of infinite money glitch i am stupid that way and get a extra few thousand earned trough intrest will i be able to buy a jet with no but its just fun knowing you worked your way around the system

 

[saucy]

To be honest unless you are heavy spender with your cc the rewards don’t make sense with the amount of risk that comes with owning a credit card i only do it as a hobby to get a feeling of infinite money glitch i am stupid that way and get a extra few thousand earned trough intrest will i be able to buy a jet with no but its just fun knowing you worked your way around the system

Isn't jumping through these hoops a part of the system?
If one's being philosophical - they made this system for people like you and me, to jump through these hoops - making them some money. It's not gaming the system.
Sir Game to woh karte hai, jinka loan is a liability to the companies!

 

[rockking1994]

Isn't jumping through these hoops a part of the system?
If one's being philosophical - they made this system for people like you and me, to jump through these hoops - making them some money. It's not gaming the system.
Sir Game to woh karte hai, jinka loan is a liability to the companies!

I am just playing the game for fun and to win and credit cards are only fun to use when you dont have to wory about paying of debt