Jewellery shopping from a local store. What are my options for credit card payment?

[aries]

Planning to buy jewellery from a local, trusted shop in coming days. Is there a way to maximise return with credit card?

These are the cards that I have right now:
SBI cashback
HDFC millennia
Tata neu infinity
Onecard
Federal imperio

Regarding MDR, is this something I need to clarify before payment? How much are MDR charges generally?

 

[drsel]

Check which cards give points on gold and jewellery.
Or You have to buy a gift card and use offline

 

[IKFLRT]

If you spend 1L on Millennia, you should get ₹1000 as cashback and ₹1000 as amazon milestone voucher. 2% effective returns.

 

[aries]

Check which cards give points on gold and jewellery.
Or You have to buy a gift card and use offline

Small store so it's unlikely they'll accept gift card

 

[aries]

If you spend 1L on Millennia, you should get ₹1000 as cashback and ₹1000 as amazon milestone voucher. 2% effective returns.

So as long MDR is below 2% I'm in profit. Thanks for sharing

 

[IKFLRT]

So as long MDR is below 2% I'm in profit. Thanks for sharing

Try finding a store which doesn't impose charges on CC payments.

 

[Alex292929]

I used AMEX recently at a local store. *Making charges 10%

 

[aries]

I used AMEX recently at a local store. *Making charges 10%

Was it a chain? Did they charge anything extra for credit card payment?

 

[drsel]

Was it a chain? Did they charge anything extra for credit card payment?

Usually 2% for CC, 3% GST, 8--10% making charges
If they don't charge anything for CC use, then making charges are much higher.

 

[Sriim]

I've used CC in branded shops, they didn't charge any MDR

 

[Alex292929]

Was it a chain? Did they charge anything extra for credit card payment?

No extra charges, it is not a chain

 

[aries]

No extra charges, it is not a chain

That's nice. I gotta try my luck with local shop

 

[Alex292929]

That's nice. I gotta try my luck with local shop

Don’t mention that you’ll use AMEX right away.

 

[Pragadeesh2193]

Some shops have E gift cards in amazon with some offers. If you have AMEX you can use it as Milestone benefit. Not sure if it gives Cashback using SBI Cashback.

 

[Maitri_Maniya]

Planning to buy jewellery from a local, trusted shop in coming days. Is there a way to maximise return with credit card?

These are the cards that I have right now:
SBI cashback
HDFC millennia
Tata neu infinity
Onecard
Federal imperio

Regarding MDR, is this something I need to clarify before payment? How much are MDR charges generally?

are they even excepting online payments? in my area jewellers mostly don't accept the online payments

 

[Anindya98]

are they even excepting online payments?

Yes, very few. Normal Upi is available all most everywhere.

in my area jewellers mostly don't accept the online payments

Still, the local jewellery business runs on cash, and they prefer it.

 

[krishc]

Can AU LIT be of use in this scenario?