| Card Type | Card Name | Card's Reward Type | Reward | Fees | Effective Reward | Capping |
|---|---|---|---|---|---|---|
| Lifetime Free | N/A | |||||
| Entry Level (Fees upto Rs. 1,000) | SC Smart Credit Card | Cashback | 2% | 1% + 18% GST | 0.82% | Maximum cashback: Rs. 1000 per statement. |
| Mid Range (Fees: Rs. 1001 to Rs. 5000) | SC Ultimate Credit Card | Reward Points | 2% | 1% + 18% GST | 0.82% | No capping |
| Super Premium (Fees: Rs. 5001 to 12500) | N/A | |||||
| Luxury (Fees more than Rs. 12500) | Axis Magnus Burgundy Credit Card | Reward Points/Airmiles | 4.8% Airmiles | 1% + 18% GST | 3.62% | Points accrued only up to ₹50000 per statement |
| HSBC Premier | Reward Points/Airmiles | 3% Reward Points | 1% + 18% GST | 1.82% | No capping | |
| Axis Reserve Credit Card | Reward Points/Airmiles | 3% Airmiles | 1% + 18% GST (max: Rs. 1500) | 1.82% | Points accrued only up to ₹1L per statement | |
| Axis Primus Credit Card | Airmiles | 5% Airmiles | No Fee | 5% | No Capping |
amex plantium 4L milestone you get 40,00 MR point + 10 taj experience (30%-50% discount if you need to sell) against you would be paying 2.65-2.95% so some 11-12k extra. simple you need to use mobikwik for these and do full kyc and then use PocketUPI and load via cc and pay the charges and then you can transfer to anyone including yourself. don't need your landlord pancard. housing app another option so search if any issue would come and also you would do a lower amount of trnx like 50-1.5L. couple of thread on these exist though.
so if i use pocket upi and load vai amex plat travel
1- 2.35%-2.95% on 10k (since i have done so many trnx sometime 2.95% show up but upto 15k it should be 2.35% above/equal to 15k you can use 50rs discount)
