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FI Money Infinite account | 2% in UPI/Debit Card spends

I have had the FI app / account for a while now, and I always consistently receive the 2% money back plant by end of day on 5th. I have prime and always keep between 50k and 62k. When the amount drops below 52k, I "top up" by bringing in a 10k from my main account.

I always used to try debit card first, then UPI because debit card used to fetch more "Fi Money". but now that that has been devalued, I don't bother with debit card anymore I guess

They recently made a change where they started showing the FI coins/ cash back for each transaction. That made it super easy to track, actually.

Not really happy about maintaining 50k in the account, but for the free debit card, free foreign transactions (which I have done a lot too ) and 2% cash back on UPI, it is worth it I guess. I make enough merchant transactions that I typically make around 450-500 CB in the month anyway. But not sure if it is worth keeping 1L for the 3%/ Rs 1000 bonus.

Also, any transaction more than Rs. 2k I end up using Axis Ace since I get 1.5% CB there. So FI is only for transactions up to Rs. 2k for me
 
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