helloworld
TF Legend
Key Features
- 10% Cashback on Grocery, Dining & Food Delivery (MCC)
- Categories: Grocery, Dining, Swiggy/Zomato & Food Delivery
- Cashback cap: ₹1000 per month (limit reached if spent ₹10,000)
- 1.5% Cashback on All Other Spends
- No Cap on the cashback amount
- Categories not eligible for 1.5% Cashback:
- Fuel | Rent | Utilities | Government Transactions | e-Wallets | Insurance | Education | B2B Goods & Services | Jewelry | Charity | Toll Fees | Cash Advances | Outstanding Balance Payments | Card Fees & Other Charges
- Additional Benefits
- BookMyShow: Buy 1 Get 1 Free on Saturdays (when booked through the app)
- EasyDiner: 15% discount (up to ₹500, with a minimum spend of ₹2500).
- Airport Lounge Access: 4 domestic lounge visits per year (no spend criteria)
- Annual Fee: ₹999 (waived on spending ₹2 lakhs in a year)
Sample 10% Eligible MCCs (Reference Purpose Only):
Mall Food courts, Nearby grocery stores, Supermarkets, Swiggy Instamart, EasyDiner, Restaurants, KFC, Dominos and DMart - working for 10% cashback (provided they have proper MCC).
Note: The transactions for each category are identified through Merchant Category Codes* (MCC), defined by the Network, e.g. Visa, MasterCard and RuPay.
This card will replace below cards (for alternative or to keep as backup):
1.5% offline - Alternative to Ace 1.5% Card
10% grocery (offline) - Alternative to Manhattan 5% Card
10% grocery and food delivery (online) - Alternative to Airtel 10% Card
10% dining (offline) - Alternative to Zenth 5% Card
Exclusion MCC List:
Realistic Return %
Note: An example scenario
Spend: 7000 per month (2k/3k Dining/Food, 4k/5k Grocery) = 84000
Paid annual fee: 1180
Get cashback: 8400
Return %: 8.5%
Airtel card benefits: https://www.technofino.in/community...k-credit-card-maximizing-your-cashback.31701/
HSBC Credit card offers [for all users] https://www.technofino.in/community/threads/credit-card-offer-mails-messages-for-all-users.7887/
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