Just made a spreadsheet customized to my spending, here are my observations:
1. SBI CASHBACK CC - As long as i can use the trick of buying amazon gift cards using sbi cashback card @ 5% the card is unbeatable. Im sure they will patch it soon. If they patch it, ill incur loss. Its almost funny how this ranks best and worst.
2. AIRTEL AXIS CC - I didnt find any info saying Airtel Axis CC will not give 1% cb for insurance, property tax or other spends so i assumed 10% for electricity and gas and 1% for every other spend (I might be wrong, please correct me). This card ranks 2nd.
3. AMAZON ICICI CC - LTF and still ranks better than AXIS ACE without prime membership. (According to data i found, ll get 2% on all bills, insurance and property tax paid via amazon pay portal and 1% on any other online/offline spends.
4. AXIS ACE - this cc told me to F**k off with my insurance and property tax payments. 5% for electricity, gas and mobile recharge and 2% for online and offline spends is good but still ranks worse than LTF Amazon ICICI.
5. IDFC 1st Wealth - The card i have, pretty bad cashbacks but ill thank this card for building some credit scores.
I request gurus to spend some time and go thru my observations and suggest best for my condition. Please correct me with the assumed cb % and suggest me other CCs which i might not be aware of.
My heart says i should just get icici amazon cc and be happy with whatever cb i get.
1. SBI CASHBACK CC - As long as i can use the trick of buying amazon gift cards using sbi cashback card @ 5% the card is unbeatable. Im sure they will patch it soon. If they patch it, ill incur loss. Its almost funny how this ranks best and worst.
2. AIRTEL AXIS CC - I didnt find any info saying Airtel Axis CC will not give 1% cb for insurance, property tax or other spends so i assumed 10% for electricity and gas and 1% for every other spend (I might be wrong, please correct me). This card ranks 2nd.
3. AMAZON ICICI CC - LTF and still ranks better than AXIS ACE without prime membership. (According to data i found, ll get 2% on all bills, insurance and property tax paid via amazon pay portal and 1% on any other online/offline spends.
4. AXIS ACE - this cc told me to F**k off with my insurance and property tax payments. 5% for electricity, gas and mobile recharge and 2% for online and offline spends is good but still ranks worse than LTF Amazon ICICI.
5. IDFC 1st Wealth - The card i have, pretty bad cashbacks but ill thank this card for building some credit scores.
I request gurus to spend some time and go thru my observations and suggest best for my condition. Please correct me with the assumed cb % and suggest me other CCs which i might not be aware of.
My heart says i should just get icici amazon cc and be happy with whatever cb i get.
| Payment options | Expenses | per month | annual | Amazon ICICI | Axis ACE | Airtel Axis | SBI Cashback with trick | SBI Cashback without trick | IDFC 1st Wealth |
| - | Online shopping | 500 | 6000 | 180 | 120 | 60 | 300 | 300 | 90 |
| apay, gpay, airtel | Electricity | 1500 | 18000 | 360 | 900 | 1800 | 900 | 0 | 270 |
| apay, gpay, airtel | Gas | 350 | 4200 | 84 | 210 | 420 | 210 | 0 | 63 |
| apay, gpay, airtel | Mobile recharge | 630 | 7560 | 151.2 | 378 | 75.6 | 378 | 0 | 113.4 |
| apay | Broadband | 588 | 7056 | 141.12 | 141.12 | 70.56 | 352.8 | 0 | 105.84 |
| apay, gpay, airtel | LIC Person 1 | 346 | 4152 | 83.04 | 0 | 41.52 | 207.6 | 0 | 62.28 |
| apay, gpay, airtel | LIC Person 2 | 1970 | 23640 | 472.8 | 0 | 236.4 | 1182 | 0 | 354.6 |
| apay, gpay | City 1 property tax | 1590 | 19080 | 381.6 | 0 | 190.8 | 954 | 0 | 286.2 |
| - | City 2 property tax | 200 | 2400 | 24 | 0 | 24 | 0 | 0 | 18 |
| - | Scooty insurance | 100 | 1200 | 12 | 0 | 12 | 0 | 0 | 3 |
| - | Offline meds | 300 | 3600 | 36 | 72 | 36 | 36 | 36 | 27 |
| - | Offline groceries | 5000 | 60000 | 600 | 1200 | 600 | 600 | 600 | 450 |
| ANNUAL FEES | - | - | 0 | -590 | -590 | -1178 | -1178 | -118 | |
| TOTAL | 156888 | 2525.76 | 2431.12 | 2976.88 | 3942.4 | -242 | 1725.32 |
