Reward Points Earning Comparison

[subham23]

Just a general discussion on different credit cards reward points earning comparison and impact on regular spends. I am not sure if credit cards give points on pro-rated spends. Kindly confirm.
I am taking example of few popular cards only.

1. ICICI Bank Emeralde Private Metal Credit Card - Earn 6 Reward Points for every Rs 200 spent. This has highest spent:earn ratio. Fo ex if a customer spent 190/-, he will not get any points, same way if another customer spent 395/-, he will get only 6 reward points.
2. HDFC Infinia Metal Credit Card - Earn 5 Reward Points for every Rs.150 spent. so no points for 140/- or 5 points for 290/- etc.
3. Axis Atlas Card - Earn 2 Reward Points for every Rs 100 spent.
4. AMEX Platinum Travel Card - Earn 1 Reward Point for every Rs. 50 spent

As a human nature we can not monitor or calculate for each txns, but is it a good idea for those doing a lot of regular and small txns?

 

[cardio_guycardio_guy is verified member.]

My 2 cents, banks keep such blocks of transactions because they don't want to give us reward points for granular transactions. It's not worth for them at all.
Even for amex, there is no rewards points for Rs 49 spent and only 1 reward points for Rs 99 spent.
These are like similar to milestone rewards. In amex or atlas, or whichever card there is milestone rewards, even if we spend 1 rs less from the milestone number we don't get the bonus points. That's how it is and we need to plan our expenses accordingly.