Which are the best cards for these platforms (3L+ spending)

[newIntern]

My cibil is 782, I already have HSBC Cashback, HDFC Millenia, HDFC Nue+, ICICI Amazon, ICICI Platinum.

I use HSBC Cashback for dmart, swiggy, zomato and all offline purchases.

HDFC Millenia was mostly for purchasing amazon gift cards but now my account is banned so cant but GC with CC, so looking for alternative platforms/ card for discounts.

HDFC Nue+ is for all UPI CC payments, its paid so considering getting yes bank kiwi LTF instead.

ICICI Amazon is for all amazon shopping and fuel

ICICI Platinum is for offers only.

considering getting Axis airtel for my fiber & utility payments but not sure if its the best.

I dont take flights so dont need lounge access. my fuel spend is also very low

 

[drsel]

Why was your millennia card blocked or banned?

 

[newIntern]

Why was your millennia card blocked or banned?

there is a limit which amazon impose, i recently bought 30-40k worth gift card for my insurance payment. i initial thought it was a soft ban but now its been more than 3 month and i still cannot use my card on amazon for purchasing giftcard. Also, my amazon account is banned for purchasing GC using CC. i can still use CC on other account to but GC, but i dont want to use my friend account.

 

[Fini7777]

My cibil is 782, I already have HSBC Cashback, HDFC Millenia, HDFC Nue+, ICICI Amazon, ICICI Platinum.

I use HSBC Cashback for dmart, swiggy, zomato and all offline purchases.

HDFC Millenia was mostly for purchasing amazon gift cards but now my account is banned so cant but GC with CC, so looking for alternative platforms/ card for discounts.

HDFC Nue+ is for all UPI CC payments, its paid so considering getting yes bank kiwi LTF instead.

ICICI Amazon is for all amazon shopping and fuel

ICICI Platinum is for offers only.

considering getting Axis airtel for my fiber & utility payments but not sure if its the best.

I dont take flights so dont need lounge access. my fuel spend is also very lowView attachment 75496

Apply for Axis airtel and Ace CCs
U can pay all ur utility bill payments using the above cards

for insurance payments consider SC smart or Apay CC or Neu+
I feel u r using the right cards for the remaining categories.

U can also utilize the Friday offer (20% off on bill payments on amazon) if u have RuPay platinum DC

 

[Kumar93196]

Take sbi cb cc

 

[prasenjitp04]

My cibil is 782, I already have HSBC Cashback, HDFC Millenia, HDFC Nue+, ICICI Amazon, ICICI Platinum.

I use HSBC Cashback for dmart, swiggy, zomato and all offline purchases.

HDFC Millenia was mostly for purchasing amazon gift cards but now my account is banned so cant but GC with CC, so looking for alternative platforms/ card for discounts.

HDFC Nue+ is for all UPI CC payments, its paid so considering getting yes bank kiwi LTF instead.

ICICI Amazon is for all amazon shopping and fuel

ICICI Platinum is for offers only.

considering getting Axis airtel for my fiber & utility payments but not sure if its the best.

I dont take flights so dont need lounge access. my fuel spend is also very lowView attachment 75496

Consider AU LIT, it is LTF & activate reward as per monthly spend, you can gain 5%-8% if used prudently.

 

[sunit123]

You started same thread in May'24...Check screenshot....You have not implemented any suggestions mentioned in previous thread....Your spending reduced from 4 lac to 3 lac....Next post will be on 2 lac spending...

 

[leonneel]

there is a limit which amazon impose, i recently bought 30-40k worth gift card for my insurance payment. i initial thought it was a soft ban but now its been more than 3 month and i still cannot use my card on amazon for purchasing giftcard. Also, my amazon account is banned for purchasing GC using CC. i can still use CC on other account to but GC, but i dont want to use my friend account.

It is not a ban by amazon..there is a limit for buying gc with cc for certain period. It's same with everyone.

 

[newIntern]

You started same thread in May'24...Check screenshot....You have not implemented any suggestions mentioned in previous thread....Your spending reduced from 4 lac to 3 lac....Next post will be on 2 lac spending...

I know what i posted, I dont need the screenshot, but maybe you need to learn to read.
Those were my spending of 2023, these are actual 2024 so far. if you read the first line in my old thread I clearly mentioned that. so maybe read carefully before you make your stupid comment and point figures.

And I am pretty sure I implemented what people suggested, thats the only reason I got HSBC CB card and are happy with it.
that thread also help me understand how I can use apay for my heal & term insurance and get 5% CB (GC with millennia)
The card folio is also different. so not sure what are you implying or if you can read.

and my spent are lower because those were my estimate/prediction for 2024, these are actual figures.

 

[newIntern]

It is not a ban by amazon..there is a limit for buying gc with cc for certain period. It's same with everyone.

its been a little more than 3 months, that ban/ cool off should have ended by now. but its not

 

[newIntern]

Thank you

Apply for Axis airtel and Ace CCs
U can pay all ur utility bill payments using the above cards

Axis Airtel was on my radar, will look into Ace also

for insurance payments consider SC smart or Apay CC or Neu+

someone suggested Amex gold card, he said that can get me ~13% CB for amazon GC and then simply use that on policy bazaar to pay for insurance.
he said amex also works for tax payment & give rewards for that? do you know anything about that?

U can also utilize the Friday offer (20% off on bill payments on amazon) if u have RuPay platinum DC

not sure if I have that, will check. are there any limit or cap on 20%?

 

[Fini7777]

Thank you

welcome.

someone suggested Amex gold card, he said that can get me ~13% CB for amazon GC and then simply use that on policy bazaar to pay for insurance.
he said amex also works for tax payment & give rewards for that? do you know anything about that?

Yes it gives a 14.44%(1MR =0.5p) return without a Referral bonus But but... only when u purchase Amazon GC from Gyftr
u will get Multiplier points which leads to more ROI here
Remember, I calculated the ROI assuming that u spend around 72k only on gyftr
From 2nd yr u have to pay AF so, the return reduces to 6%
U can consider MRCC from 2nd yr bcoz it has fee waiver
"AMEX Gold card does not provide MR points for govt related transactions"

 

[cardio_guy]

I know what i posted, I dont need the screenshot, but maybe you need to learn to read.
Those were my spending of 2023, these are actual 2024 so far. if you read the first line in my old thread I clearly mentioned that. so maybe read carefully before you make your stupid comment and point figures.

And I am pretty sure I implemented what people suggested, thats the only reason I got HSBC CB card and are happy with it.
that thread also help me understand how I can use apay for my heal & term insurance and get 5% CB (GC with millennia)
The card folio is also different. so not sure what are you implying or if you can read.

and my spent are lower because those were my estimate/prediction for 2024, these are actual figures.

Easiest way to track and also continue the discussion is to post on the same thread rather than creating a new thread. Just keeps things organized.

 

[newIntern]

Easiest way to track and also continue the discussion is to post on the same thread rather than creating a new thread. Just keeps things organized.

spending are different, platforms are different, cards i have are different. would not have made sense