[Help needed] Is M4B or Magnus better for me?

[Firewing224]

Hello TFians,
So, I have an Infinia cc currently - limit is 9.5L. My major spends are amazon, amazon pay, swiggy.
Once every 3 months, I have to pay school fees for which I swipe on POS machine.
Once every 3 months I book flight tickets which cost me 10-15k.
Once every 6 months, Flight + hotel. (not luxury hotel - just decent 4 star hotel)

I dont cross 1.5L / month spends ever... unless i'm paying for a car (which I might in the next year)

I like infinia because its easy to use honestly, however for my expenses, would M4B or Magnus plain be more useful? please advice on how I can get best value.
[Open to suggestions for other cards as well]

 

[drsel]

See my featured article
Cards giving more than 10% return

 

[sahilgulati5]

M4B is best along with Infinia. Take it!! But M4B Cost 35K plus u have to Maintain the TRV. IF u r able to extract more than that then yes IF not stick with Infinia or get Atlas

 

[Firewing224]

See my featured article
Cards giving more than 10% return

Hi, thanks for replying. I saw your thread.
1. Axis Magnus Burgundy (30% on Eazy, 24% on Grabdeals and Traveledge) <- What all is covered under grabdeals? is it like Gyftr or different?

M4B is best along with Infinia. Take it!! But M4B Cost 35K plus u have to Maintain the TRV. IF u r able to extract more than that then yes IF not stick with Infinia or get Atlas

So I need help in understanding if I can extract more than that or not. seeing that I SPEND on normal transactions and redeem on flights. (Hotels I dont use much as I'm a club mahindra member so for holidays, I use them)

 

[sourpai]

For the spends you have mentioned, Infinia will provide better value...

amazon, amazon pay, swiggy - Infinia between 13.8% to 16.7% vs M4B will be 9.6% (swiggy is slightly higher)
Domestic hotels - non branded - Infinia smartbuy provides much better value than M4B... but for direct hotel swipes M4B is better.
Flights - Both are equal mostly as Travel Edge is inflated compared to smartbuy... I personally prefer Infinia as you can use 70% points where as M4B is full payment

School fees - M4B is better than Infinia

If you are getting LTF M4B then go for it, else skip, unless you foresee expenses more than 1.5L/month more frequently or if you have to buy a car in which case M4B is no brainer

 

[bs77]

See my featured article
Cards giving more than 10% return

where do i find this article?

 

[drsel]

where do i find this article?

Thread 'Cards giving 10% return or more' https://www.technofino.in/community/threads/cards-giving-10-return-or-more.25667/

 

[gamecreepers]

See my featured article
Cards giving more than 10% return

Couldnt find your article

 

[drsel]

Couldnt find your article

 

[iROS]

View attachment 68526

But recent Gyftr update made M4B basically useless. So no more Amazon vouchers or any other vouchers for that matter!
Coming to Travel Edge, I don’t prefer it personally as we can’t buy upgraded packages in flights/hotels.
What’s your opinion about it?

 

[drsel]

But recent Gyftr update made M4B basically useless. So no more Amazon vouchers or any other vouchers for that matter!
Coming to Travel Edge, I don’t prefer it personally as we can’t buy upgraded packages in flights/hotels.
What’s your opinion about it?

I use it and get 30% points up to 60000 points on 2 lakhs spend in 3 to 5 days