Please suggest a credit card for offline purchases

[VibhavBilgoji]

I have enough cards to cover all my online purchases and return good amount of cashback. I want a card which would give a decent cashback on offline purchases especially departmental store shopping.

Preferably a lifetime free card, I already have few paid cards which offer 1% cashback on offline purchases, so I don't want a paid card for offline purchases specifically

 

[Dreamgrill]

AU LIT: with ₹598 Quarterly fees, u'll get
~5%/month upto ₹10K spend (min 7.5K spend/month is required) & ~2.5% unlimited

How is 2.5% unlimited?

 

[Shrinit Padwal]

How is 2.5% unlimited?

Go through this -> https://www.technofino.in/community/threads/au-lit-customizable-features.2848/

 

[VibhavBilgoji]

Go through this -> https://www.technofino.in/community/threads/au-lit-customizable-features.2848/

Wait you can get Amazon prime 3 months membership for just 199?

 

[silly_putty]

I see three options.
1. The unpopular opinion - Flipkart card. Kuch sochna nahi padta. Easily LTF can be gotten, keep your eyes open.

2. Ace - it's an upgraded version of Flipkart (but 500rs chargeable) so I'm not really sure as for yet. To apply for it - https://www.technofino.in/community...rs-500-cashback-not-visible.10516/post-171392

Cons for axis cards - insurance spends don't get cashback. Pros - mostly rest of the things covered.
Ace is specialised for utilities payment so that's something you should consider.
Here's a link if you want to do more research - https://www.technofino.in/community...xis-flipkart-for-offline-spends-purely.10828/

3. Tata neu infinity - there's an offer right now - do around 15k+ spends across 9 orders and get the card LTF.
Pros - if you're a bigbasket spender, this is a good opportunity.
Insurance also gets 5% cashback.
1.5% flat cashback on offline spends.

Cons - the cashback is neu coins, and everything on the neu app is V.Expensive 🤣🤣

not true for everything, just bought mechanical keyboard worth 2.7k for 2.4k as croma gives flat 10% off upto 500 for electronics. Although had alot of problems while redeeming GVs and using different bill to ship to addresses.

 

[VibhavBilgoji]

Bob snapdeal.
10 reward points for 100 rs on grocery and department store
20 points on snapdeal spends.
Added benefit is its a rupay card.
Flat 2.5% reward rate is pretty decent imo.
Annual fees is 250+gst
You also get a snapdeal voucher worth 500

Hey
I am considering this card
But how's the bob customer service
Like do we get rewards points on time?
How the overall experience?

 

[noob69]

Go for HDFC MILLENIA card..
No one will normally suggest you..
But it's a best balanced card n better than axis ace of spent 33-35k /month.
1% ofline spend cashback +1000/1lacs amazon quarterly voucher.
So, technically of 1 lacs/3 months spend we get 2% cashback.. 😃
Get it in LTF Or waiver on 1lacs/yearly spend..
Extra add on
Wallet Load, EMI sab pe 1% cashback.
Online 5% limited cashback on many major sites..

How to get Millenia LTF?

 

[bugmenot]

I don't spend much actually 😅
Under 3k probably

If your offline spends are such low then buy zingoy rupay prepaid card and use offline. You may use sbi cashback card for better cashback. Zingoy card has charges probably so you may get net 3-4 %

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