helloworld
TF Legend
Key Features
- 10% Cashback on Grocery, Dining & Food Delivery (MCC)
- Categories: Grocery, Dining, Swiggy/Zomato & Food Delivery
- Cashback cap: ₹1000 per statement (limit reached if spent ₹10,000) after that 0%.
- 1.5% Cashback on All Other Spends
- No Cap on the cashback amount
- Exclusions
- 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)
Oct'24 Update: Cashback is credited in about 3 working days after the statement date.
Sample 10% Eligible MCCs (Reference Purpose Only):
Below stores has MCC 5411
1. DMart= 5411
2. Reliance Smart Superstore
3. JioMart (online)
5. Vijetha super market
Reliance Smart = Saw multiple posts mentioning different MCCs: 5722
Amzn Fresh = Saw multiple posts mentioning different MCCs: 5399
Flipkart Grocery = Ensure "Flipkart Grocery" (5411) on OTP Page.
6. Cashfree gateway = 5499
7. Swiggy = 5499
8. CountryDelight = 5499
9. Tatanue Food delivery = 5499
10. Tatanue Grocery = 5411
11. FTH Daily
12. Zomato
13. BB Daily
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 is alternative to or as backup:
1.5% offline - Alternative to Ace 1.5% 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%
References:
- 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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