Hey everyone,
so I see the best offer for iPhone 16 pro max (desert gold) 256gb is on apple.com, even retail stores don't have this good offer, let me know otherwise.
Ohh, I see.
So this is on 3 cards 5k instant cashback(discount?) + no cost emi discount 12 months (which i can cancel to get discount) via amex, axis, icici.
I know amex don't allow emi cancellations(Customer service told me so) so I'll prolly go with axis/icici unless someone tells me i can get better offer.
So I have these cards for this
Amex : Gold charge, MRCC(Complimentary free with gold charge).
ICICI : Rubyx mastercard LTF, Rubyx Amex LTF, Rupay LTF, HPCL Coral LTF and Apay card.
Axis : Citibank rewards, flipkart axis, and myzone LTF card.
Can someone help me to get the most of this offer?
I feel ICICI (rubyx/amex/hpcl) is giving the best offer so with 12 months no cost emi (which i will cancel) it's costing me 1,28,500 (5k discount + 11,400 no cost benefit) + reward points but those will be only around 1285 points which is like max 400 rupees? or I can use apay and get 1% cashback (i hope that counts?) also does icici have a website where i click on the link and get more discount/cashback similar to amex rewards multiplier or axis grab deals etc?
or I can use axis flipkart to get 1% more? or may be axis ciitibank i can use to get annual fee waiver? I don't know abt axis reward points here so enlighten me if possible.
You won't be getting upfront instant discount rather you will be receiving cashback.
In case of ICICI, within 90 days but when you will cancel EMI within 17 days (Cancellation without any charges is available for the period of 15 days only, so it's obvious you will cancel within 15 days), you wouldn't be getting any cashback. However, you will also be charged processing fee of 1% on 75% of transaction amount in the first month of EMI tenure along with GST. Not only that, foreclosure charges equal to 3% on outstanding principal amount + next month’s interest shall also be levied.
No such info regarding, cashback credit is found in case of Axis, don't know exactly when it will get credited and how it will get impacted. In lack of info, let say you will be receiving cashback even after cancellation within 30 days.
But in case the rewards points will get credited, are supposed to be reversed as well.
or I can use amex gold charge , and that wiill help in annual fee waiver but then i can use no cost emi discount as charge card don't have emi option and mrcc i can use but it is ltf anyways and mrcc's spend isn't counted towards amex gold charge card annual spend. if i use amex gold charge, i can points too via rewards multiplier so around 14000 points i will get + fee waiver full + there is a 1500 gift voucher i am getting on 50k spend + 2500 e vouchers via rewards multiplier for 50k spend more so basically 5000 instant discount + 14k points i.e 4620 + 1500 gv + 2500 gv = 8620 but it's not better than icici/axis and only upside is the amex fee waiver (which basically is like i am paying for fee on my total discount which sucks i guess?)
Based on above reasons, it's better to use Axis than ICICI and Amex, assuming Axis has no such policy. Otherwise, Amex is best.
Once needs to get cross checked before making any txn.
Any other affiliate link perhaps I can use for more better offer?
Don't think so. Not applicable for EMI txn.
I do have GST of my brother's business, but does that help in any discount??
Yes, why not.
i believe input credit doesn't get credited in the bank anyways right? it just offsets the cost to input debit (I can be wrong 100% pls correct me), if i ask for input credit and get discount, my brother does need to pay that gst in gst portal isn't?)
Input GST gets set off with output GST. Why pay if you can set it off with your outstanding balance and need to pay less?
Suppose you owe ₹10 to your brother and your brother owes you ₹5. You can pay ₹5, that’s all. This is also a derived benefit, assuming ₹5 is not part of Sales.
Now, replace you with your brother business entity and brother with government.
I know I am asking too much by giving so much complicated info but technofino is know for discount champs and credit card superheroes and how to use them effectively hence being detailed here, lemme know, thanks guys.
