Rent payment with super premium cards

[CC_Fire]

There have been a number of posts but would like to create 1 master post to summarize the best current rent payment strategy for the superpremium cards (infinia/dcb, magnus, reserve, plat charge, stanc ultimate)

1. HDFC Cards (Infinia, DCB); Redgiraffe is the best solution with no upper limits and c.0.5% charge. The MCC here is insurance so until that loophole is plugged, one can continue to earn RPs and get milestone benefits

2. Axis Cards (Magnus, Reserve); Payzapp + Redgiraffe if you are able to add your card. If not, then BharatNXT but uptil a limit of 1L/month. No real proper solutions other than that?

3. Amex Cards (Plat Charge); full RPs but doesnt seem to have a cost effective + dependable way to pay. Folks have suggested Mobikwik with charges of 2.5%+ leaves nothing on the table. Any other ideas ?

4. StanC Ultimte; through redgiraffe and despite recent devaluation still offers 2% RPs for rental payments. So if the infnia route is plugged, this can be a fallback option

Any other ideas for these bunch of cards?

 

[PiperatGatesofDawn]

Amex no app accepts so not very useful. How about sbi and idfc?

IDFC Wealth gives 0.75% rewards. That makes it barely worth it for using with RG. I don't know if it can be used with RG though.

 

[netsec]

One hack which sounds odd but worth trying if anyone has airtel payment bank account and airtel fastag.

- You can recharge fastag account from mobikwik/freecharge, which will load the money in airtel wallet and use the airtel payment bank debit card for rent payment. 😉

 

[shivi946]

SBI gives normal reward points on all rental spends + fuel. For ex - SBI Club Vistara Prime gives 4 points per 200 spend on rent and fuel too.

 

[shivi946]

IDFC will add your rental, insurance and fuel spends to your milestone spends but reward points are very less, I guess 1 CV point per 200 in IDFC Club Vistara card

 

[Sudip]

Hi folks,

In redgiraffe, can we do rent payment each month manually or we need to setup a mandate?

Planning to use redgiraffe using Au zenith card with rent amount being 17500 INR and I'm charged 81 INR, so effective reward rate = 175-81= 94 INR, right?

Also, if SC smart is used - can anyone help how much cashback shall be received as it has 1%+GST as charges. I'm finding zenith to be more rewarding here, is that right?

Thanks, pleasant day ahead!

 

[luciferlucifer is verified member.]

Hi folks,

In redgiraffe, can we do rent payment each month manually or we need to setup a mandate?

Planning to use redgiraffe using Au zenith card with rent amount being 17500 INR and I'm charged 81 INR, so effective reward rate = 175-81= 94 INR, right?

Also, if SC smart is used - can anyone help how much cashback shall be received as it has 1%+GST as charges.

Thanks, pleasant day ahead!
View attachment 40538

you can do it manually too

 

[Sudip]

Hi folks,

In redgiraffe, can we do rent payment each month manually or we need to setup a mandate?

Planning to use redgiraffe using Au zenith card with rent amount being 17500 INR and I'm charged 81 INR, so effective reward rate = 175-81= 94 INR, right?

Also, if SC smart is used - can anyone help how much cashback shall be received as it has 1%+GST as charges. I'm finding zenith to be more rewarding here, is that right?

Thanks, pleasant day ahead!
View attachment 40538

hi,
can anyone confirm if we can pay rent using au zenith card in redgiraffe, the customer care of redgiraffe stated au bank is not supported and hence cannot be used.
any thoughts on this?

 

[sourpai]

hi,
can anyone confirm if we can pay rent using au zenith card in redgiraffe, the customer care of redgiraffe stated au bank is not supported and hence cannot be used.
any thoughts on this?

You can pay the rent using AU Zenith via Payzapp. Payzap pulls the RG bill which can be paid via any Visa/Master card