DCB Vs Magnus Vs Platinum Vs SCB Ult - Which payments are best on which card

[Zacobite]

With so many cards and so many offers.. its beginning to get confusing on which card to use where.. My views are as below

Rent : RedGiraffe - DCB - 3.33% reward points + RG Points + Minimal Charges + Milestone benefits and Annual Charge Waiver Milestone - All Counted

Fuel : SCB Titanium for spends upto 4k p. m with cash back at 5% less surcharge OR Amex Platinum at HPCL OR SCB Ultimate at 3.33.% less surcharge

Utility Bills: SCB Titanium upto 2000 p. m above 750 per trans for 5% OR SCB ULT OR DCB at 3.33% return

Insurance : DCB OR SCB ULT OR MRCC ( via AMZ PAY) if spends are above 20k and more than 4 transactions of 1500

All Other Transactions : Scb Ultimate for acceptance being high or DCB whenever possible

Magnus actually is only relevant when you have more than 1 L spend less all the devalued transactions of rent and others.. Actually is a huge devaluation

 

[TheMentalist]

With so many cards and so many offers.. its beginning to get confusing on which card to use where.. My views are as below

Rent : RedGiraffe - DCB - 3.33% reward points + RG Points + Minimal Charges + Milestone benefits and Annual Charge Waiver Milestone - All Counted

Fuel : SCB Titanium for spends upto 4k p. m with cash back at 5% less surcharge OR Amex Platinum at HPCL OR SCB Ultimate at 3.33.% less surcharge

Utility Bills: SCB Titanium upto 2000 p. m above 750 per trans for 5% OR SCB ULT OR DCB at 3.33% return

Insurance : DCB OR SCB ULT OR MRCC ( via AMZ PAY) if spends are above 20k and more than 4 transactions of 1500

All Other Transactions : Scb Ultimate for acceptance being high or DCB whenever possible

Magnus actually is only relevant when you have more than 1 L spend less all the devalued transactions of rent and others.. Actually is a huge devaluation

Magnus is quite useful without the milestone, if you can somehow make your spends using gift vouchers.

 

[seekndestroy99]

Does DBC give rewards for Rent Payment on RedGiraffe? (through Payzapp ig)

 

[ak93]

Does DBC give rewards for Rent Payment on RedGiraffe? (through Payzapp ig)

If you mean Diner black, yes

 

[seekndestroy99]

@adigk That's great!
But I have 2 (Genuine) Rent Payments every month. Will the Rent Surcharge be applied on the 2nd transaction? [for DCB]

 

[WhoU]

We are getting reward points only via RG because of the bug - rent is counted as insurance. If you use 3rd party, you will not get rp, and will also be charged additional for 2nd rent payment.

 

[ak93]

@adigk That's great!
But I have 2 (Genuine) Rent Payments every month. Will the Rent Surcharge be applied on the 2nd transaction? [for DCB]

Since it's counted as insurance payment, there won't be surcharge. This could change anytime, so keep checking everymonth.

 

[card.enthusiast]

Utility and others online- SBI Cashback, 5%, no lower or (practically) upper limit

 

[hs23]

I think the best card for Rent, Utility, Insurance, Fuel, taxes is SBI vistara prime (2% CV + Milestone flight tickets = ~4.27%). No need for multiple cards.