Which credit card will give maximum benefits for a 26L car purchase ?

[DevD]

I am planning to buy a car of Rs 26L, which credit card should I use for this purchase that will give me maximum benefits including all aspects .
What will be the net returns with calcualtions.

 

[Mogambo]

i recommend to go for 50% payment and 50% loan. int rate is cheap. eterna, ultimate, infinia

 

[pratikjain4]

Is the car dealership allowing purchase via CC ? I recently got a 2w and they denied.

 

[tuhin]

Is the car dealership allowing purchase via CC ? I recently got a 2w and they denied.

Few 2W dealers allow purchasing through CC. I purchased my 2W using CC from Honda Showroom. Even, one of my friends purchased 2W from TVS & TVS dealer allowed CC. I don't know whether anyone can purchase a card through CC. Is it lumpsum or EMI? If EMI, it's costlier than a normal car loan.

 

[hariselio]

I think it's all depends on the dealer level payment setup. I could buy a 1.3L bike on CC and 5L through CC for car. In bike case, I used pos machine and they were not interested initially due to the extra charges, but somehow I could convince.

But car dealer had different tie-up with free charge gateway and CC payment possible using online link generated on demand. Payment through this link did not had any service charges extra, but if we use their POS, they asked to pay 2% extra. After paying through online, later I came to know these will be considered as wallet load for credit card and no rewards 🙁. If I've known this earlier I could have used APay card🙁

 

[Gautham]

I think it's all depends on the dealer level payment setup. I could buy a 1.3L bike on CC and 5L through CC for car. In bike case, I used pos machine and they were not interested initially due to the extra charges, but somehow I could convince.

But car dealer had different tie-up with free charge gateway and CC payment possible using online link generated on demand. Payment through this link did not had any service charges extra, but if we use their POS, they asked to pay 2% extra. After paying through online, later I came to know these will be considered as wallet load for credit card and no rewards 🙁. If I've known this earlier I could have used APay card🙁

Why Apay card?

 

[hariselio]

Why Apay card?

This was in 2021, that time APay card had 1% cashback for wallet load also.

 

[DevD]

Thank you all for your suggestions. The car dealer is ready to accept credit card, debit card , neft rtgs any payment mode. I am thinking of using axis vistara infinite or sbi aurum considering milestone benefits.

 

[dav33]

Thank you all for your suggestions. The car dealer is ready to accept credit card, debit card , neft rtgs any payment mode. I am thinking of using axis vistara infinite or sbi aurum considering milestone benefits.

Which cards do u have and limit. Is dealer allowing to swipe multiple times.

 

[DevD]

Which cards do u have and limit. Is dealer allowing to swipe multiple times.

Using two cards I can pay the amount.. approx that much limits I have in my cards.