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SBI Cashback vs HSBC Cashback vs SC Ultimate? And smoothest way to apply (no prior relationship with these banks)

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moneyMaker

moneyMaker

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Basically need maximum cashback on all online random stores.

Annual fees doesn't matter (good amount will be sent through these CC's so will get return)

LTF is sweet but not mendatory but got then nice.... Etc.

Smoothest onboarding is also priority.
 
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Do Check Out SBI Cashback via Sprint (If and only if you are not over leveraged). Just make sure the details entered are exactly matched with the previous applications. If all satisfied then its a instant card. Over usage u can request for fee waiver, anyways its almost equivalent to ltf card.

Even HSBC process is smooth, just that application approval time is not known and long.
 
Everybody said:
Do Check Out SBI Cashback via Sprint (If and only if you are not over leveraged). Just make sure the details entered are exactly matched with the previous applications. If all satisfied then its a instant card. Over usage u can request for fee waiver, anyways its almost equivalent to ltf card.
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Thx for the tips, appreciate it!

How much usage is required and how much is the annual fees?

Its 5% cb right?
 
5% SBI cashback on online spends alone. Offline 1%.
Cashback shall not be earned for following spends/transactions on the card:

  • Any purchases at petrol pumps/service stations
  • Balance transfers, Balance Transfer on EMIs
  • Cash advances
  • Financial charges (e.g., late payment fee, dishonored cheque charges, service fee, transaction charges etc.)
  • Disputed transactions
  • Encash
  • ATM Withdrawals
  • E wallet loading transactions identified under MCCs 6540 and 6541
  • Payments towards Rent/property management under MCCs 6513 and 7349
  • Flexipay Transactions
  • Merchant EMI i.e. EMI’s availed at the time of purchase at Merchant establishment or websites.
  • (Card Cashback reversed for Flexipay/Merchant EMI will be credited back to account only when the respective Flexipay/Merchant EMI has been successfully cancelled by the cardholder. In the event of Foreclosure of Flexipay/Merchant EMI, no Card Cashback will be credited back in any scenario)
 
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moneyMaker said:
There is no other card with more than 5% cb?
Click to expand...
Bhai... What kind of spends you are talking about.. Every card has its own features.. Dining n groceries 10% HSBC live+.. Online spends 5% is max you can get through sbi cashback.. Utilities n insurance you can go for TNI.. Airtel customer then go for axis airtel.. If you want more returns then go for reward structure based cards.. Eg. Regalia gold 6 % returns through smart buy portal, atlas Almost 10% through Accor transfer (7L spend)

Annual spends of around 5L then these are best.. Max push for Regalia gold. Usse upar na.. Spends ke liye rewards.. Rewards ke liye spend na karo
 
If you are considering

[SBI Cashback & HSBC Cashback ] vs SC Ultimate​

don't apply SC ultimate, it has different use. There is no comparison of first two cards with SC ultimate.
 
moneyMaker said:
Basically need maximum cashback on all online random stores.

Annual fees doesn't matter (good amount will be sent through these CC's so will get return)

LTF is sweet but not mendatory but got then nice.... Etc.

Smoothest onboarding is also priority.
Click to expand...
All three cards serve different purpose. What’s the end use of yours and how much spends on those use cases?
 
moneyMaker said:
Why. . . ?
Click to expand...
SBI cashback is good for online spends
HSBC cashback is good for dining spends

SC ultimate is good for Offline spends but it is not a cashback card. it gives points which are redeemable to limit options mentioned in this link https://retail.sc.com/in/rewards360/rewards_home/in

In short, these 3 cards have their own purpose. That is why everyone is asking your spend pattern.
 
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