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iPhone 15: Who is buying? And What Credit Card Should One Use For Maximum Value Back?

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Now that the new fruit phone is out in its 15th iteration, who'se buying it & on which card?
iPhone 15 - ₹79,900 iPhone 15 Plus - ₹89,900 iPhone 15 Pro - ₹1,34,900 iPhone 15 Pro Max - ₹1,59,900
 
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AlphaCAT said:
Slightly confused . I already have 12 . If i get 13 around 42k , then will go for 13 . if not then for 15 . I am seriously considering 15 though and avoiding the temptation to preorder on 15 Sep.

1) If 13 , would buy from Flipkart (BBD) using card of bank which has partnered for BBD

2) If 15, then would buy from Croma (Neu app) . 79990-5000-750 (Neu coins) - 5% ( 3750 Neucoins) using Tata Neu Infinity . Rs 70,500 it would cost me .

Guys suggest any other ways to get 15 with max discount. I wish I had GST or Infinia card for that matter !!
Click to expand...
So I just read if we use tata Neu app 10% for infinity card and 5% for neu membership.

Whopping 15% + 5k off

Edit: neu membership is capped at 2k coins.
Can someone do the exact calculation?

Also will I get these coins on no-cost emi?
 
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Dhruvit.S said:
S

So I just read if we use tata Neu app 10% for infinity card and 5% for neu membership.

Whopping 15% + 5k off

Edit: neu membership is capped at 2k coins.
Can someone do the exact calculation?

Also will I get these coins on no-cost emi?
Click to expand...
I guess they won't allow this much discount particularly on these items.
 
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NOOBY said:
Cities mai aise boards nahi dekhe ?

Its fairly common, usually shopkeepers (or lenders) do this and they charge nominal fees on the transaction (when compared to Bank's interest charges in cash withdrawal via CC)

I have seen "2.5% charges only", which is good enough for high rewarding cards.

Example: If you use Infinia for this method for getting 10k, then they would charge ₹250 on it (keeping 2.5% in mind), so you swipe ₹10,250 and get 10k cash. for the transaction (if its in utility), will fetch around 341 RP, which in case of Infinia would be ₹341 (1:1 conversion). So, basically profit of ₹91 😛

This could also have been used for getting Magnus Milestone benifits as reward would be much higher (but now it's worthless for this)

Biggest issues in this are:
- whether cash is counterfeit or not (big iff)
- in which category it get's charged
Click to expand...
Petrol Pumps par dekha h, but they charge high and no rewards on Fuel Spends. Swipe your card and get cash from the pump attendant
 
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AlphaCAT said:
Slightly confused . I already have 12 . If i get 13 around 42k , then will go for 13 . if not then for 15 . I am seriously considering 15 though and avoiding the temptation to preorder on 15 Sep.

1) If 13 , would buy from Flipkart (BBD) using card of bank which has partnered for BBD

2) If 15, then would buy from Croma (Neu app) . 79990-5000-750 (Neu coins) - 5% ( 3750 Neucoins) using Tata Neu Infinity . Rs 70,500 it would cost me .

Guys suggest any other ways to get 15 with max discount. I wish I had GST or Infinia card for that matter !!
Click to expand...

1. you should be able to get 13 for 40-42k but i'm expecting it on amazon instead of flipkart as per history
2. you should be able to get 14 for 50-52k on BBD via Axis mostly. I might get this.
 
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Dhruvit.S said:
S

So I just read if we use tata Neu app 10% for infinity card and 5% for neu membership.

Whopping 15% + 5k off

Edit: neu membership is capped at 2k coins.
Can someone do the exact calculation?

Also will I get these coins on no-cost emi?
Click to expand...
They say upto 10% . Not seprately 10% plus 5% . 5% is through card and 5% through NeuPass which was earlier capped at 2000 for Croma and now at 750 . On NCEMI , u will be getting just 1.5% from card and not the 5%. Also, promo codes can be applied for more discounts but sadly they aren't applicable on Apple products .
 
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neo.puneet said:
1. you should be able to get 13 for 40-42k but i'm expecting it on amazon instead of flipkart as per history
2. you should be able to get 14 for 50-52k on BBD via Axis mostly. I might get this.
Click to expand...
13 will be anyday more practical than 14 at the mentioned price ranges. There isn't much difference between them . 5-6k difference can be justified , not 10k !! Anyways it boils down to personal biases and preferences.
 
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AlphaCAT said:
13 will be anyday more practical than 14 at the mentioned price ranges. There isn't much difference between them . 5-6k difference can be justified , not 10k !! Anyways it boils down to personal biases and preferences.
Click to expand...
yeah that's why i might skip upgrading as already have 13. the only benefit for 14 is a brighter screen and 6GB ram instead of 4 but i don't see it benefiting much, may skip this year and upgrade to 15 next year in BBD - i stay 1 year behind in iphones to save 35-40% cost lol
 
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