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

[moneyMaker]

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.

 

[EverybodyEverybody is verified member.]

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.

 

[BeingIncogBeingIncog is verified member.]

SBI, au smoothest onboarding.

 

[moneyMaker]

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.

Thx for the tips, appreciate it!

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

Its 5% cb right?

 

[BeingIncogBeingIncog is verified member.]

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

2 lakhs and 999+gst

 

[EverybodyEverybody is verified member.]

Thx for the tips, appreciate it!

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

Its 5% cb right?

Yes - 5% Cashback.

 

[Abhi21]

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)

 

[moneyMaker]

There is no other card with more than 5% cb?

 

[BeingIncogBeingIncog is verified member.]

There is no other card with more than 5% cb?

Au lit hehehe

 

[moneyMaker]

Au lit hehehe

How much ?

 

[moneyMaker]

Also sbi cashback vs simplyclick?

Note: I want cashback on random ecom sites not any specific affiliations.

 

[BeingIncogBeingIncog is verified member.]

How much ?

Around 8-9% if you you utilise it well. Check forums for threads/posts.

Also sbi cashback vs simplyclick?

Note: I want cashback on random ecom sites not any specific affiliations.

Simplyclick is for offers only no cashback ever. So sbi cb is for 5%cb.