Optimising spends on BoB Eterna, SBI cashback, AU Lit with Offline spends addon

[Paritosh]

I am holding BoB Eterna, SBI cashback, AU Lit with Offline spends addon. 15x categories on Eterna are Online shopping, dinning, travel, international spends.

SBI cashback is already giving 5% on online payment. AU Lit with Offline spends addon gives 5% on offline spends.

So most of the categories are covered by SBI and AU cards.

Are there any categories where I should use Eterna over other 2 cards?

Please share how do you optimise your spends (you can share your combination of cards).

 

[Slayer]

I am holding BoB Eterna, SBI cashback, AU Lit with Offline spends addon. 15x categories on Eterna are Online shopping, dinning, travel, international spends.

SBI cashback is already giving 5% on online payment. AU Lit with Offline spends addon gives 5% on offline spends.

So most of the categories are covered by SBI and AU cards.

Are there any categories where I should use Eterna over other 2 cards?

Please share how do you optimise your spends (you can share your combination of cards).

Eterna to do wallet reload

I've been making a net profit of 1.5% (approx) every month through Eterna (considering reward rate at 3.75% if you spend 5L then it becomes 4.75%)

 

[V360]

Eterna to do wallet reload

I've been making a net profit of 1.5% (approx) every month through Eterna (considering reward rate at 3.75% if you spend 5L then it becomes 4.75%)

Are you getting 3.75% on wallet reloads?

If yes, then which app?

 

[Slayer]

Are you getting 3.75% on wallet reloads?

If yes, then which app?

PayTM

 

[REGIUS24]

PayTM

Dear technofino , does bob eterna still gives 3.75% cashback on paytm or payzapp or any wallet load. is it worth taking?

 

[drsel]

Dear technofino , does bob eterna still gives 3.75% cashback on paytm or payzapp or any wallet load. is it worth taking?

It's worth taking for
3.75% on travel
3.75--2.36=1.39% on international spends.
But I don't think wallet reload will give cashback