Reward Point vs Cashback Card & My journey of cc i have collected so far

[vaibhav111vaibhav111 is verified member.]

 

[AllSeeker]

Use it on Birthday for relatively fair reward 😁.

On birthday will be using zomato for sure.

IDFC birthday benefit is 10x without spending criteria, so it's nothing special either.

 

[AllSeeker]

yeah i did calculate on that but it either phone or some electronic , so hdfc will give me cashback & reward so will have to calculate and zomato rbl will do better on 10% cashback just need to see if they would adjust the cashback in statement or not

RBL zomato doesn't adjust in statement. Only zomato cash - which is a crappy part,

 

[vaibhav111vaibhav111 is verified member.]

2021: Canara secured CC (30K, LTF)
Jan 2022: HDFC business moneyback (75K, LTF)
March 2022: BOB Select (50K, LTF)

wait canara give cc too? oh damn for me personally only MRCC (LTF 🤞)i would like to get this year and close to end for the year will apply for ICICI LTF card whichever is best cause i will go in hiberate mode and relax now cause i had apply for 4 card in 5 months

 

[AllSeeker]

That's because they want to promote Zomato
Same as Amazon APay CC ... Whole concept of cobranded CCs ...

But amazon pay has great amount of uses for me, so I don't mind apay balance but zomato has virtually no use for me, not to mention overpriced.

Funny thing is zomato card itself loses out to some of the other normal CC I've on zomato, even some debit cards do better. 🤣

 

[vaibhav111vaibhav111 is verified member.]

RBL zomato doesn't adjust in statement. Only zomato cash - which is a crappy part,

you sure ? sumant sir did mentioned in this video of rbl zomato ,
cashback can be adjusted or not pls confirm @TechnoFino

 

[AllSeeker]

you sure ? sumant sir did mentioned in this video of rbl zomato ,
cashback can be adjusted or not pls confirm @TechnoFino

I can only see cashback in zomato and redemption is limited to zomato itself.

 

[TechnoFinoTechnoFino is verified member.]

you sure ? sumant sir did mentioned in this video of rbl zomato ,
cashback can be adjusted or not pls confirm @TechnoFino

No, you can not adjust Cashback, you can use the cashback to order food from Zomato or pay restaurant bill pay Zomato app.

 

[vaibhav111vaibhav111 is verified member.]

But amazon pay has great amount of uses for me, so I don't mind apay balance but zomato has virtually no use for me, not to mention overpriced.

Funny thing is zomato card itself loses out to some of the other normal CC I've on zomato, even some debit cards do better. 🤣

yeah plus zomato pricing is so expensive , swiggy win , so zomato card i received today would be using only for dinning then i don't know will close then before the next renewal

 

[AllSeeker]

yeah plus zomato pricing is so expensive , swiggy win , so zomato card i received today would be using only for dinning then i don't know will close then before the next renewal

If you use blinkit, there are some offers on zomato card, you can see offer of month on zomato statement. Always check your statement PDF.

 

[vaibhav111vaibhav111 is verified member.]

No, you can not adjust Cashback, you can use the cashback to order food from Zomato or pay restaurant bill pay Zomato app.

oh no 🙁, rbl and me never get along , in 2019 i wanted to close the card by the time it got delivered and even i want to close the card after it got delivered

 

[vaibhav111vaibhav111 is verified member.]

If you use blinkit, there are some offers on zomato card, you can see offer of month on zomato statement. Always check your statement PDF.

blinkit app sucks , never let me order , grofer was great in 2018-2019 then i switched to bigbasket

 

[AllSeeker]

oh no 🙁, rbl and me never get along , in 2019 i wanted to close the card by the time it got delivered and even i want to close the card after it got delivered

🤣 🤣 🤣 🤣

 

[AllSeeker]

blinkit app sucks , never let me order , grofer was great in 2018-2019 then i switched to bigbasket

Yeah, I also love bigbasket.

Zomato RBL card also has some other offers for which you get mails. In my first month there was offer for bigbasket too but at that time I had better option somewhere else so did not use it.

 

[vaibhav111vaibhav111 is verified member.]

Exactly that was my mindset when I posted this thread:

A card to trump them all?

Hi folks, I would like to know about a card that gives max benefits on all your spends. So that I can get that card and don't have to bother about others anymore. In your suggestions please take into consideration the fees and milestone benefits. Also, give a spend range to maximize benefits on...

www.technofino.in

After one point of time most would want to make their life simple. TBH most here (including me) don't factor in the time we put in this process (from getting a card to redeeming the reward points earned). 🤷‍♂️

i did checkout this post and i did agree with them we need different card as per usage but time is essential too and yes we don't factor time and we should factor time we put to get apply cc and redeem point and so many other factor too!!

 

[vaibhav111vaibhav111 is verified member.]

Yeah, I also love bigbasket.

Zomato RBL card also has some other offers for which you get mails. In my first month there was offer for bigbasket too but at that time I had better option somewhere else so did not use it.

oh i checkout out smartbuy they are giving some discount too check https://www.gyftr.com/instantvouchers/bigbasket-gift-vouchers
even axis grabdeal started bigbasket voucher too

 

[Souvik]

RBL zomato doesn't adjust in statement. Only zomato cash - which is a crappy part,

That makes it almost useless for me, as I would not like to utilize all of it into Zomato again and again. Flexible spends option would help.

 

[Souvik]

absoultely agree man, even i use idfc for movine, 250 off on 2 ticket , wealth will be card i would like but spending on idfc isn't motivating for 10x reward after 30,000 that too only 0.25 paisa and plus for large transaction either offer would be going on or i will wait for some sale on amazon or in store so other cc of mine will have offer for sure so getting wealth seem impossible under 3 year from now

I am trying to get wealth, trying to push in my IDFC RM for wealth which he has promised by beginning of next month, I am maintaining MAB.

Also allured him with promise of one more savings account and some more balance in my existing savings account if he gets me wealth, can be a win-win for both lets see.

 

[vaibhav111vaibhav111 is verified member.]

If it's LTF you can keep it anyway
But I guess you missed out on LTF offer, right?

Yeah unfortunately

 

[souvikdey2002]

I appreciate your disagreement, we agree to disagree 🤣😀🙂

It's a democratic country so we respect everybody's choice.
On a personal note my only motto to take as LTF as possible just to save money.
I have many family members who earns but don't how to get the maximum discounts from any sale(Amazon/Flipkart)
So basically for all of them & off course my own interest directed me to get those but again without giving any money to any bank.

P:S:- So far only one card I took knowingly that I may be charged is Union Bank Rupay Wellness JCB Credit Card. Don't even know whether it will be approved.

 

[prc1990]

It's a democratic country so we respect everybody's choice.
On a personal note my only motto to take as LTF as possible just to save money.
I have many family members who earns but don't how to get the maximum discounts from any sale(Amazon/Flipkart)
So basically for all of them & off course my own interest directed me to get those but again without giving any money to any bank.

P:S:- So far only one card I took knowingly that I may be charged is Union Bank Rupay Wellness JCB Credit Card. Don't even know whether it will be approved.

My role is also very similar which includes my colleagues as well 😂.