Which Card to use for Scooter purchase?

[hi buddy what to do]

Which card should i swipe at the dealer place to get maximum benefit via reward points. I am looking to buy a honda scooter (around 1 lakh) and these are the cards that i currently hold.
1. HDFC Millenia & Tata Neu Infinity
2. Idfc Wealth
3. Sbi Cashback
4. Au Ixigo
5. ICICI Dual Sapphiro
6. Axis Neo
7. BOB premier

 

[viru5678]

Tata Neu Infinity will give you 1.5% Neucoins back.

 

[_amit_]

Which card should i swipe at the dealer place to get maximum benefit via reward points. I am looking to buy a honda scooter (around 1 lakh) and these are the cards that i currently hold.
1. HDFC Millenia & Tata Neu Infinity
2. Idfc Wealth
3. Sbi Cashback
4. Au Ixigo
5. ICICI Dual Sapphiro
6. Axis Neo
7. BOB premier

Have you confirmed with the dealer about the MCC code of the POS?

 

[hi buddy what to do]

Have you confirmed with the dealer about the MCC code of the POS?

no, will have to check with the dealer

 

[D₹V]

Which card should i swipe at the dealer place to get maximum benefit via reward points. I am looking to buy a honda scooter (around 1 lakh) and these are the cards that i currently hold.
1. HDFC Millenia & Tata Neu Infinity
2. Idfc Wealth
3. Sbi Cashback
4. Au Ixigo
5. ICICI Dual Sapphiro
6. Axis Neo
7. BOB premier

First know the MCC of merchant, here's how
Now if MCC not excluded in SBI cashback card, use SBI cashback card for purchase after turning on online transaction using Bharat QR & get 5% cashback
Know more details about Bharat QR -

Thread 'Bharat QR - The NPCI Payment Saga'

Aug 7, 2024

Introduction:
Bharat QR is a revolutionary payment method designed in 2016 by NPCI to make transactions quicker and more secure. BharatQR supports payment via cards, UPI, mobile banking, etc. It's a great payment method but didn't catch eye as much as UPI.


PC: NPCI

Difference between UPI QR & Bharat QR:
1. UPI QR supports UPI only while Bharat QR supports wide payment options like Debit card, credit card, UPI, etc.
2. UPI QR can be used for P2P, P2M transactions while Bharat QR can be used only for P2M transactions.

How...

• D₹V
• bharat qr bharatqr ccupi credit card debitcard npci payment upi
• Replies: 164
• Forum: Finance World News

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Hope it answers your query, you can mark my answer as solution by clicking best answer button below my reply.

 

[_amit_]

no, will have to check with the dealer

It would be better to confirm that.
The method has been shared above in case dealer does not know the MCC. Also its better to confirm by self so that there is not misunderstanding.

If its insurance MCC (used by most vehicle dealers), there isn;t much scope.
In this case you can look into booking it online if possible. Confirm with honda/dealer.



Remember to disable all transaction before.

 

[hi buddy what to do]

Thanks all for your suggestions. will confirm all these details.

 

[HumorSimpson]

Eagerly waiting for your update

 

[viru5678]

Last month I purchased car with Tata Neu - It was a machine swipe and I got 1.5% reward.

Surprisingly I also pay to Big Basket (So called a Tata Comany) using Tata Neu and this does not fetch any rewards.

 

[ManojGowda]

View attachment 64393

Last month I purchased car with Tata Neu - It was a machine swipe and I got 1.5% reward.

Surprisingly I also pay to Big Basket (So called a Tata Comany) using Tata Neu and this does not fetch any rewards.

What was the MDR charges?

 

[viru5678]

What was the MDR charges?

I negotiated Zero MDR.

 

[Sriim]

View attachment 64393

Last month I purchased car with Tata Neu - It was a machine swipe and I got 1.5% reward.

Surprisingly I also pay to Big Basket (So called a Tata Comany) using Tata Neu and this does not fetch any rewards.

Rewards on tata products (Big basket etc) will be provided separately lower down in the statement

 

[Quiksilver27]

I recently bought a Suzuki scooter for 1.1 lakh with my Atlas and got the full points.. dealer was asking 2% extra but came down to 1%.. at the very least got a one night ibis stay out of it..

 

[Enthusiast]

Try to book the vehicle by their official website by selecting your dealer choice, I recently bought a Jupiter 125 where i paid 96k around in the website and rest through upi payment in the showroom during delivery.

 

[hi buddy what to do]

If I use Millennia card to swipe, then will i be getting 1000 (1% cashback) and 1000 (quarterly milestone) if the MCC is insurance also?
around 2% cashback will be there and can cover mdr charges if can't be negotiated plus extra 1% cashback for bill payment using hdfc platinum debit card. Net gain of 1% + interest free period (1 month). Better than paying full in cash?

 

[HumorSimpson]

If I use Millennia card to swipe, then will i be getting 1000 (1% cashback) and 1000 (quarterly milestone) if the MCC is insurance also?

Millenia expert . @D₹V

 

[D₹V]

If I use Millennia card to swipe, then will i be getting 1000 (1% cashback) and 1000 (quarterly milestone) if the MCC is insurance also?
around 2% cashback will be there and can cover mdr charges if can't be negotiated plus extra 1% cashback for bill payment using hdfc platinum debit card. Net gain of 1% + interest free period (1 month). Better than paying full in cash?

Y e s

 

[dravidsarang]

Cashback cards are not the best for big purchases.
But at the same time I do not see any cards which will help you with milestone benefit on earning RP(s).

If there are 0 MDR, just go ahead with Tata Neu Infinity and grab the 1.5% NeuCoins.

 

[hi buddy what to do]

Cashback cards are not the best for big purchases.
But at the same time I do not see any cards which will help you with milestone benefit on earning RP(s).

If there are 0 MDR, just go ahead with Tata Neu Infinity and grab the 1.5% NeuCoins.

I will get more cashback with Millennia right ? it will be close to 2% cashback while tata neu infinity gives only 1.5%. ( considering same mdr for both visa and rupay)

 

[HumorSimpson]

I will get more cashback with Millennia right ? it will be close to 2% cashback while tata neu infinity gives only 1.5%. ( considering same mdr for both visa and rupay)

How 2%. …?