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1. DCB gives 5x on Airlines not 3x
2. Infinia on Apay Voucher - current processing charges are 3.54%. Also you get RPs for the processing charges as well. So its 17.25% - 3.54% = 13.71%. Max 10k/ transaction. if transaction value is less than 5k, the return percentage will also go down
3. Similarly for DCB it's 10.35 - 3.54 = 6.81% for 10k transaction
4. infinia Amazon Shopping voucher is 17-2.95 = 14.05%
5. DCB amazon shopping voucher is 10.25-2.95= 7.25%
6. SBI cashback can't be used for sale discounts in Amazon/Flipkart
7. Split Flipkart and Myntra separately as infinia and DCB charge 2.95% on Flipkart voucher but not on Myntra voucher
8. In dining, Infinia runs 15% discount in dineout under good food trail program
9. In food delivery Infinia and DCB can be used to purchase Zomato vouchers as well and can be used similar to Swiggy money
10. For fuel, consider adding BOB HPCL Energie and Kotak Indian Oil
11. Grocery - Infinia and DCB has a limit of 1500/month
12. Medicine purchases - SBI cashback gives 5% on most online platforms
13. Medicine purchases - HDFC Infinia (30-33%}, DCB(30-33%) and Regalia Gold (10-13%) gives 10x points and HDFC Millenia gives 10% Cashback on Pharmeasy via smartbuy