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

[cardex]

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

 

[Dhruvit.SDhruvit.S is verified member.]

S

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 !!

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?

 

[deep@vie]

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?

I guess they won't allow this much discount particularly on these items.

 

[Dhruvit.SDhruvit.S is verified member.]

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?

If someone buys with this method then update here please

 

[deep@vie]

If someone buys with this method then update here please

+1, please share if we can avail all these at once

 

[Predator]

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

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

 

[Predator]

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?

No, cap is of 750 coins per transaction for Croma
You will get 5% Neu coins + 750 coins in Total

 

[deep@vie]

No, cap is of 750 coins per transaction for Croma
You will get 5% Neu coins + 750 coins in Total

Even 5% neu coins would be 10k for Pro max 1tb & extra 6k(instant discount)

 

[neo.puneet]

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 !!

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.

 

[AlphaCAT]

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?

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 .

 

[AlphaCAT]

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.

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.

 

[AritraSaha]

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

Imo..
This year ifone are pretty good..
Will wait for 24'bbd to buy it.. lolmeow

 

[AlphaCAT]

Even 5% neu coins would be 10k for Pro max 1tb & extra 6k(instant discount)

It makes no sense to buy pro models from India if u don't have GST. Better plan a round trip to Habibi land , and save some bucks !!

 

[AritraSaha]

Sadly we don't get iphones on student discount

Cus it doesn't help you with your studies..

 

[AlphaCAT]

Imo..
This year ifone are pretty good..
Will wait for 24'bbd to buy it.. lolmeow

I would have also waited till 24 BBD but bcoz I have surplus funds parked , I am finding hard to resist the temptation . Consumerism and Capitalism have deepened their roots even here in India !!

 

[deep@vie]

It makes no sense to buy pro models from India if u don't have GST. Better plan a round trip to Habibi land , and save some bucks !!

You're right

 

[AritraSaha]

I would have also waited till 24 BBD but bcoz I have surplus funds parked , I am finding hard to resist the temptation . Consumerism and Capitalism have deepened their roots even here in India !!

Very easy..
Only see tech products when you have a need for them..
Otherwise forget they even exist..

 

[AritraSaha]

The titanium body is a great step.

Consider coming to the Fold side now (Pro users).

Next they will do carbon fibre...

 

[deep@vie]

Next they will do carbon fibre...

Wo bnaate rhenge.
Public banti rahegi

 

[deep@vie]

Very easy..
Only see tech products when you have a need for them..
Otherwise forget they even exist..

Can't expect this rationalism from ladies

 

[neo.puneet]

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.

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