Vote for Possible Credit Card Partners In Upcoming BBD,GIF, Diwali sale 2024

[Das.N]

Festival are coming.

We need credit cards to grab maximum discounts while shopping in Big Billion sale, Great Indian Festival, Dussehra Sale and Diwali sale.
So please cast your vote for your favourite Credit Card company you want to participate in theses sales.

Everyone is allowed to cast 4 votes.

 

[NCD]

Kash mere vote se, HDFC BBD/GIF Ka partner ban jata

 

[HumorSimpson]

Where is NOTA ? Of late, most of the discounts are on EMIs and nothing on regular (non-emi) purchases.

 

[Infamous]

Where is NOTA ? Of late, most of the discounts are on EMIs and nothing on regular (non-emi) purchases.

Agreed. I wonder why are banks pushing EMIs so much.

 

[HumorSimpson]

Agreed. I wonder why are banks pushing EMIs so much.

That's seems to be the only way now to earn some interests as none are into FDs.

 

[Infamous]

That's seems to be the only way now to earn some interests as none are into FDs.

Those No cost EMI options are there, maybe they get that from merchants? Because order has an upfront discount for the interest amount.

 

[R!ppEr]

i think it will be fuckol option like federal bank or something

 

[vine]

No scapia onecard, kiwi , etc

 

[HumorSimpson]

Those No cost EMI options are there, maybe they get that from merchants? Because order has an upfront discount for the interest amount.

No cost emis, will push consumers to increase their budget. One who wants to buy a 30K inr gadget, will easily gets tempted to buy a more costly gadget of 50K inr, if there is no emi. I think still there is some processing fee I guess.

 

[Infamous]

No cost emis, will push consumers to increase their budget. One who wants to buy a 30K inr gadget, will easily gets tempted to buy a more costly gadget of 50K inr, if there is no emi. I think still there is some processing fee I guess.

Yup Processing fee + GST, and you also pay the GST on interest.

 

[Slayer]

Then there are people who do no cost emi transaction and then cancel the emi after emi gets posted to card

 

[the_dark_knight]

I can bet that Axis credit card wouldn't be tie-uping with Flipkart, also HDFC is least likely to tie-up with Amazon,FK. SBI as always should tie-up with Amazon.
I am waiting for AU Lit to tie-up with amazon like last year. @VISHESH_BANSAL Please do share all amazon mcc category pairs in advance, apart from PRIVATET we already know it

 

[vine]

Yup Processing fee + GST, and you also pay the GST on interest.

Am not going to take EMIs.
What terms should we negotiate before taking a "no-cost-EMI"? and which CC are best?

 

[Infamous]

Not that amount going to take EMIs.

what do you mean by this?

 

[praful47]

No cost emis, will push consumers to increase their budget. One who wants to buy a 30K inr gadget, will easily gets tempted to buy a more costly gadget of 50K inr, if there is no emi. I think still there is some processing fee I guess.

Not only processing fee but 18% gst on each EMI too

 

[vine]

what do you mean by this?

Sorry . FFT. Fat finger typo. I have edited my question.

 

[Infamous]

What terms should we negotiate before taking a "no-cost-EMI"? and which CC are best?

Well there isn't much to negotiate, you can probably get the processing fee waived off in some rare case.

The best CC is the one's having low processing fee and they must be eligible for offers on that particular brand/website.

 

[Chacha_vidhayak]

I can bet that Axis credit card wouldn't be tie-uping with Flipkart, also HDFC is least likely to tie-up with Amazon,FK. SBI as always should tie-up with Amazon.
I am waiting for AU Lit to tie-up with amazon like last year. @VISHESH_BANSAL Please do share all amazon mcc category pairs in advance, apart from PRIVATET we already know it

If axis won’t be tying up … still axis flipkart card makes sense due to 10% extra cashback from grab deals platform in the sale pd. …. Net 15% cb.

 

[vine]

Well there isn't much to negotiate, you can probably get the processing fee waived off in some rare case.

The best CC is the one's having low processing fee and they must be eligible for offers on that particular brand/website.

So if I take a no-cost-EMI and then, say, after 3 days if I pay the whole amount, will I still be charged processing fee + GST + interest + GST?
Any way out of this ?

 

[Infamous]

So if I take a no-cost-EMI and then, say, after 3 days if I pay the whole amount, will I still be charged processing fee + GST + interest + GST?
Any way out of this ?

Interest is given as an upfront discount on the platform/merchant. You only pay the GST on it when the EMI hits.
I'm not sure about thee upfront payment but there is a way to do that, maybe someone else can help.