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- Thread starter TechnoFino
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yeah for smartbuy i get voucher but whenever i want to buy something for strange i order through amazon app instead of heading over to smartbuy , infact we get 5x or 5% so for example for 2000 rs purchase on amazon , i should use which card among them would get 100 rs back on apy icici and 5x reward on hdfc which could be how much ? @AllSeeker
thank to you i came to know , i did crossed 10 cc before , today will take pic of active card for my reference 🤣
I can speak for millennia
It has straight up cash back on 5% on both the sites but there is capping of 1k per month.
Smartbuy is bonus for me.
So in your case I assume you get better base reward rate, better smart buy return and sometimes offers like 10x rewards through smartbuy. Infinia > Millennia after all.
So, as long as there is no capping for you, you should almost always use smartbuy using your infinia card to purchase on them. You can also try their coupons in smartbuy but their rules have changed recently. But still, since you have infinia, you will still come out on top.
Only thing you need to keep in mind is that when you buy using smartbuy portal, it has certain rules and the order should be successfully executed through it. There is a thread here somewhere which had this discussion.
Just today I incashed my reward points from last month, they were almost 1k and I accumulated them on amazon. (I don't even use flipkart tbh)
Which app you used for tracking?
oh like i said i had use smartbuy portal but for voucher twice to thrice for smartbuy>amazon i forget i have no clue why! 🤣 , but will have to train my mind now to stop myself adding to card from phone and one more thing 5x reward on 2000 purchase and the capping is 15000 point per month,
For infinia? Okay.
I'm pretty sure Infinia is the best cc in India, so if you have it you can safely close all other if they are not LTF. 🤣
excel sheet bro, every month , my last statement come from idfc on 24th so i add all transaction and pdf in the respective folder and double check for any mistake or transaction which hasn't been missed by bank yet or refund which isn't reflected if there is and on weekly i add spending in the same excel so i know on which date/card i had spend so i cross-reference instead of relying on my app
only paytm one is not LTF , but they haven't charged me in 3 straight year any fees and zomato would also join that lists unfortunately , while axis fk is 500 but fees got reversed
Ohh i am soo bad with Excel can't even do the basic things 🥲 Do you know any trusted app earlier i can track on cred but i don't why the option is removed or maybe i am not able to find that🥲
paytm not charging is mistake or some criteria you are hitting?
I've never applied for paytm card due to charges tbh.
I've 10 cards (I think), I only have airtel axis as paid card.
bro the last couple of transcation is can always to seen in home recent transactions in cred, i don't use app cause it hurt my head looking at so many app, so i stay away
Infinia is LTF too? 👀
Can you share your card folio? 😁
hmmm first 2 year i crossed 1 lakhs needed for reversal and 3 year is coming in December will have to see if they charge me or not ! but then spending 1 lakhs and getting 1 % cashback is nothing it my 3rd card so i did email citi to closed my card but they didn't offer fees reversal nor LTF so i didn't bother and haven't charge me fees yet so all good until they charge in dec of this year then will see what to do
Wow 😳
Can you share how you got it LTF? 👀
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