Just trying to understand which among these cards is better for online spends where gyftr is not used and also not doing the transaction in smartbuy or travel edge portal.
I have few online spends every month like
1) community utility bill (paid through ADDA app - tried using all 3 cards and the MCC provides RPs)
2) Few cosmetology related medicines which are purchased directly from the website etc.
I use points only for flights and hotel bookings. And w.r.t miles, I convert to Accor, Kris flyer, Qatar Avios mostly and Marriott (only my Amex points - so not applicable in this scenario).
Considering this, below is my calculation and I am inclined towards Yes Marquee which gives me freedom to book any flights/hotels. And if am particular with a specific partner for mile conversion then Atlas.
Please suggest any better thought process or better optimization.
Lets take an eg of 5000 Rs.
Infinia - 5000/150 = 33*5 = 166 (Equivalent to 166 Rs for flights, hotels, apple etc on smartbuy and (166/2) * 1.8 = 149 for Accor (considering normal conversion and no bonus))
Marquee - 5000/200 = 25*36 = 900 (Equivalent to 225 Rs for flights, hotels on Yes rewardz)
Atlas - 5000/100 = 50*2 = 100 (Equivalent to 100 Rs for flights, hotels on travel edge and 100*2*1.8 = 360 for Accor (considering normal conversion and no bonus))
I have few online spends every month like
1) community utility bill (paid through ADDA app - tried using all 3 cards and the MCC provides RPs)
2) Few cosmetology related medicines which are purchased directly from the website etc.
I use points only for flights and hotel bookings. And w.r.t miles, I convert to Accor, Kris flyer, Qatar Avios mostly and Marriott (only my Amex points - so not applicable in this scenario).
Considering this, below is my calculation and I am inclined towards Yes Marquee which gives me freedom to book any flights/hotels. And if am particular with a specific partner for mile conversion then Atlas.
Please suggest any better thought process or better optimization.
Lets take an eg of 5000 Rs.
Infinia - 5000/150 = 33*5 = 166 (Equivalent to 166 Rs for flights, hotels, apple etc on smartbuy and (166/2) * 1.8 = 149 for Accor (considering normal conversion and no bonus))
Marquee - 5000/200 = 25*36 = 900 (Equivalent to 225 Rs for flights, hotels on Yes rewardz)
Atlas - 5000/100 = 50*2 = 100 (Equivalent to 100 Rs for flights, hotels on travel edge and 100*2*1.8 = 360 for Accor (considering normal conversion and no bonus))
