Need help in figuring out if I should go with a cashback card of sorts to optimize my spend

[Bhokaal]

Hi folks I am holding the below cards and I wanted to know if I should get a cashback card or a Rupay card for daily UPI transactions?

Cards I currently hold

1. HDFC Infinia - Effectively free since I got it as FYF and I have already crossed 10L in fact much more and still have 4 months to go for card anniversary date
2. ICIC Sapphiro (Amex and Master) - These are LTF, dont have a lot of spend on these maybe around 1-2L in past 8 months
3. Amazon Pay - LTF do not use it at all since the cashback has gone to negetive because some order was cancelled and I dont want to spend to bring it back to positive
4. Kotak Zen - LTF, not used at all

Spend breakdown is

1. Monthly groccery: about 8-10K from Dmart direct Infinia swipe
2. Utility bills
   • Electricity about 3-5K via Amazon Pay voucher from smartBuy from Infinia
   • Airtel Black about 3.5K via Amazon Pay voucher from smartBuy from Infinia
3. Zomato: about 3-4K again via Zomato voucher from smartBuy from Infinia
4. Couple of EMI (Home, auto, personal) amounting to about 2L but they are auto-debited from bank - Can I do something here?
5. Any other expenses like eating out or anywhere a card can be swiped is done from Infinia
6. A lot of spend about 10K-15K over UPI payments either from SuperMoney or Bhim
7. Rent of about 50K from UPI
8. Transferring to family about 30-50K using UPI

I recently got a SBI VDC to pay the Infinia bill

Should try to get a Axis Airtel or SBI cashback for some utility payment and stop paying 3% processing fee to Gyftr?
Also since I have big home loan from BoB I am trying to negotiate for a LTF eterna but not sure if they will agree.

 

[Channakya]

Hi folks I am holding the below cards and I wanted to know if I should get a cashback card or a Rupay card for daily UPI transactions?

Cards I currently hold

1. HDFC Infinia - Effectively free since I got it as FYF and I have already crossed 10L in fact much more and still have 4 months to go for card anniversary date
2. ICIC Sapphiro (Amex and Master) - These are LTF, dont have a lot of spend on these maybe around 1-2L in past 8 months
3. Amazon Pay - LTF do not use it at all since the cashback has gone to negetive because some order was cancelled and I dont want to spend to bring it back to positive
4. Kotak Zen - LTF, not used at all

Spend breakdown is

1. Monthly groccery: about 8-10K from Dmart direct Infinia swipe
2. Utility bills
   • Electricity about 3-5K via Amazon Pay voucher from smartBuy from Infinia
   • Airtel Black about 3.5K via Amazon Pay voucher from smartBuy from Infinia
3. Zomato: about 3-4K again via Zomato voucher from smartBuy from Infinia
4. Couple of EMI (Home, auto, personal) amounting to about 2L but they are auto-debited from bank - Can I do something here?
5. Any other expenses like eating out or anywhere a card can be swiped is done from Infinia
6. A lot of spend about 10K-15K over UPI payments either from SuperMoney or Bhim
7. Rent of about 50K from UPI
8. Transferring to family about 30-50K using UPI

I recently got a SBI VDC to pay the Infinia bill

Should try to get a Axis Airtel or SBI cashback for some utility payment and stop paying 3% processing fee to Gyftr?
Also since I have big home loan from BoB I am trying to negotiate for a LTF eterna but not sure if they will agree.

if you have a home loan from BOB so open a masterstroke account so that you get free Eterna .
Get sbi cashback card , helps to get 5% on all the online transactions except some excluded like jewellery, fuel , educational payments, rent payments etc.

 

[prankster]

Hi folks I am holding the below cards and I wanted to know if I should get a cashback card or a Rupay card for daily UPI transactions?

Cards I currently hold

1. HDFC Infinia - Effectively free since I got it as FYF and I have already crossed 10L in fact much more and still have 4 months to go for card anniversary date
2. ICIC Sapphiro (Amex and Master) - These are LTF, dont have a lot of spend on these maybe around 1-2L in past 8 months
3. Amazon Pay - LTF do not use it at all since the cashback has gone to negetive because some order was cancelled and I dont want to spend to bring it back to positive
4. Kotak Zen - LTF, not used at all

Spend breakdown is

1. Monthly groccery: about 8-10K from Dmart direct Infinia swipe
2. Utility bills
   • Electricity about 3-5K via Amazon Pay voucher from smartBuy from Infinia
   • Airtel Black about 3.5K via Amazon Pay voucher from smartBuy from Infinia
3. Zomato: about 3-4K again via Zomato voucher from smartBuy from Infinia
4. Couple of EMI (Home, auto, personal) amounting to about 2L but they are auto-debited from bank - Can I do something here?
5. Any other expenses like eating out or anywhere a card can be swiped is done from Infinia
6. A lot of spend about 10K-15K over UPI payments either from SuperMoney or Bhim
7. Rent of about 50K from UPI
8. Transferring to family about 30-50K using UPI

I recently got a SBI VDC to pay the Infinia bill

Should try to get a Axis Airtel or SBI cashback for some utility payment and stop paying 3% processing fee to Gyftr?
Also since I have big home loan from BoB I am trying to negotiate for a LTF eterna but not sure if they will agree.

Consider kiwi rupay for upto 5% on UPI transactions

 

[draja-cc]

Check if you can get HSBC Live + for offline grocery spend. It gives 10% cashback upto 1000 per month on grocery and restaurants.

Depends on how much you spend and if the restaurants you visit are on Easydiner get IndusInd Easydiner signature credit card it gives instant discount of gives 25% upto 1000.

 

[Bhokaal]

Check if you can get HSBC Live + for offline grocery spend. It gives 10% cashback upto 1000 per month on grocery and restaurants.

Depends on how much you spend and if the restaurants you visit are on Easydiner get IndusInd Easydiner signature credit card it gives instant discount of gives 25% upto 1000.

Yeah I wanted to get HSBC but it seems they are only in Metro and few major city so they will not provide me

 

[Bhokaal]

if you have a home loan from BOB so open a masterstroke account so that you get free Eterna .
Get sbi cashback card , helps to get 5% on all the online transactions except some excluded like jewellery, fuel , educational payments, rent payments etc.

I was checking with them about Radiance but might be applicable to me. Does masterstroke has any eligibility criteria?

Consider kiwi rupay for upto 5% on UPI transactions

Cool let me check this out will compare with SBI cashback to see which is better. Thanks

 

[prankster]

I was checking with them about Radiance but might be applicable to me. Does masterstroke has any eligibility criteria?

Cool let me check this out will compare with SBI cashback to see which is better. Thanks

Get both, they have very different use cases. Kiwi for offline usage, SBI CB for online

 

[Anindya98]

SBI CB(Online) + Yes Kiwi(Upi) + HSBC Live +(Grocery) + Airtel Axis(Utility + Zomato)

 

[draja-cc]

SBI CB(Online) + Yes Kiwi(Upi) + HSBC Live +(Grocery) + Airtel Axis(Utility + Zomato)

Hdfc Swiggy (online)[ If not SBI CB ] + IndusInd Easydiner signature (dining/movies)

 

[Bhokaal]

SBI CB(Online) + Yes Kiwi(Upi) + HSBC Live +(Grocery) + Airtel Axis(Utility + Zomato)

Then where will I use my Infinia 😋

 

[Channakya]

I was checking with them about Radiance but might be applicable to me. Does masterstroke has any eligibility criteria?

Cool let me check this out will compare with SBI cashback to see which is better. Thanks

If you have a home loan above 10 lakhs , the relationship can be considers to open a free master strokes account , where I got to know this from my branch .

 

[Bhokaal]

If you have a home loan above 10 lakhs , the relationship can be considers to open a free master strokes account , where I got to know this from my branch .

It’s above 1.5cr

 

[Channakya]

It’s above 1.5cr

Then you can easily get Masterstroke account, once visit the branch so that you can get some clarity

 

[Bhokaal]

Then you can easily get Masterstroke account, once visit the branch so that you can get some clarity

Will do this tomorrow
Thanks

 

[Anindya98]

Then where will I use my Infinia 😋

Infinia - Primary Card
Upi - Kiwi Best
Airtel services - 25% back
Places where you see a 5% return are better to get.