High value spends card combination

[Approaching_Minimums]

Hello there. Which card combination would be best for the below spends?

1) Interiors for property
~35L (Single or split payment in a month)

Considering Magnus for the reward multiplier using as single payment.

2) Property registration and stamp duty charges ~12L

Most of the cards have excluded govt transactions so pretty dicey on this one.
Was thinking Atlas
Is there any way to maximize using different combinations?

 

[Deathsnatcher]

Which cards do you hold?

 

[Deleted member 11974]

go for magnus in interiors and end your spends at around 15L on that card essentially making it free for next year
also what other cards you hold

 

[Approaching_Minimums]

My current cards include Magnus, Atlas, M&M axis, Vistara SBI and few other normals cards. Magnus is already free for next year as I had achieved the spends. Other than reward multiplier don't see any other benefit.
Not sure about the registration part though.

 

[Deleted member 11974]

reach all the vistara sbi milestones
and in the high end cards you only have magnus
try getting any other super premium card if possible
emirates emralde,infiniia

 

[Approaching_Minimums]

Would any Amex combinations yield better returns? Also I believe hdfc does not reward govt transactions

reach all the vistara sbi milestones
and in the high end cards you only have magnus
try getting any other super premium card if possible
emirates emralde,infiniia

 

[AlgoTrader]

If you have infinia, nothing else needed

 

[Deleted member 11974]

Would any Amex combinations yield better returns? Also I believe hdfc does not reward govt transactions

yes amex plat travel upto 4L woould yeild good returns

 

[Approaching_Minimums]

I

If you have infinia, nothing else needed

Don't have Infinia but I fail to see how it rewards better? Since these spends are not smartbuy spends so no x multipliers

 

[Deleted member 11974]

I

Don't have Infinia but I fail to see how it rewards better? Since these spends are not smartbuy spends so no x multipliers

if you dont have magnus with burgundy then your rewards will be capped at 5L
and magnus has much more exclusions compared to infinnia
althoug magnus at 5:2 is 2.4% net returns vs infinnia at 2:1 is 1.75%

 

[Deathsnatcher]

I

Don't have Infinia but I fail to see how it rewards better? Since these spends are not smartbuy spends so no x multipliers

flat 3% without any multiplier thats how its the best

 

[Approaching_Minimums]

if you dont have magnus with burgundy then your rewards will be capped at 5L
and magnus has much more exclusions compared to infinnia
althoug magnus at 5:2 is 2.4% net returns vs infinnia at 2:1 is 1.75%

My idea was to put the interiors on Magnus as it falls under eligible spends. So that's 5L + points earned. Only concern is for the govt transaction.
I also believe the reward capping is for redemption and not earn

 

[Deleted member 11974]

My idea was to put the interiors on Magnus as it falls under eligible spends. So that's 5L + points earned. Only concern is for the govt transaction.
I also believe the reward capping is for redemption and not earn

yes reward capping is for redemption

 

[anirban.choudhuryanirban.choudhury is verified member.]

flat 3% without any multiplier thats how its the best

Why not Atlas then
Flat 4% return without any multiplier ??

 

[anirban.choudhuryanirban.choudhury is verified member.]

Hello there. Which card combination would be best for the below spends?

1) Interiors for property
~35L (Single or split payment in a month)

Considering Magnus for the reward multiplier using as single payment.

2) Property registration and stamp duty charges ~12L

Most of the cards have excluded govt transactions so pretty dicey on this one.
Was thinking Atlas
Is there any way to maximize using different combinations?

For your spends
Take 2 atlas in family
Do 15 lakhs + 15 lakhs transaction
Remaining 4 lakhs pay using Platinum Travel

For property management
Use IDFC Wealth and earn 3x If it's offline and 6x if it's online.

This is the best return any card would give.

 

[AlgoTrader]

For your spends
Take 2 atlas in family
Do 15 lakhs + 15 lakhs transaction
Remaining 4 lakhs pay using Platinum Travel

For property management
Use IDFC Wealth and earn 3x If it's offline and 6x if it's online.

This is the best return any card would give.

IDFC Wealth gives 10x for anything above 30K in a month, so it is 2.5% regardless of whether it is offline or online. Still Infinia beats it with base rate at 3.3
Atlas may be the best option here

 

[anirban.choudhuryanirban.choudhury is verified member.]

IDFC Wealth gives 10x for anything above 30K in a month, so it is 2.5% regardless of whether it is offline or online. Still Infinia beats it with base rate at 3.3
Atlas may be the best option here

The official reward rate is different and the actual reward is bit different
Also IDFC wealth is life time free , and Infinia comes with JF and annual fees of 12500 for which it gives 12500 points but the GST is still payable.
For a once of 12 L property management payment it's good to take a LTF and get the returns later you can keep the card or close it as per your will.

 

[Deathsnatcher]

Why not Atlas then
Flat 4% return without any multiplier ??

atlas purely travel card so 4% is good
considering infinia 3% flat reward usage like anywhere is more rewarding that atlas
rewards are usually variable from person to person.
i would choose infinia over atlas all the time considering the flexibility to choose the RP

 

[AlgoTrader]

The official reward rate is different and the actual reward is bit different
Also IDFC wealth is life time free , and Infinia comes with JF and annual fees of 12500 for which it gives 12500 points but the GST is still payable.
For a once of 12 L property management payment it's good to take a LTF and get the returns later you can keep the card or close it as per your will.

agreed

 

[anirban.choudhuryanirban.choudhury is verified member.]

atlas purely travel card so 4% is good
considering infinia 3% flat reward usage like anywhere is more rewarding that atlas
rewards are usually variable from person to person.
i would choose infinia over atlas all the time considering the flexibility to choose the RP

True
I would rather choose Atlas till 15 lakhs , then Plat travel for 4 lakhs post that if any further spend can be moved to DCB .
As Amazon vouchers are incurring surcharges on smart buy so for me I would use Amex reward multiplier with my GC and MRCC , post that as smartbuy is of no use to me I would choose DCB over Infinia for 2 reasons ,
it offers the exact same reward rate as Infinia , it's easily available LTF and even if not LTF just 5 lakhs spend would waive off the charges.