Which Credit Cards Do You Possess Purely for Offers and Find Most Rewarding?

[Itachi_UchihaItachi_Uchiha is verified member.]

Tata Neu Infinity since I use Neu for groceries, medicines and sometimes apparel shopping too. Also, 1.5% cb for upi spends with no minimum spends is a kickass deal.

 

[bhaveshS]

Use Federal Bank CC/DC for grocery spends three months and you’ll get 21X points.

It’s a no brainer for me as Federal Bank usually have offers on Zepto.

user specific ?

 

[suhasa010]

Hey TF Community,

I'm curious to know which credit cards you guys have acquired specifically for bank offers and have been super useful/rewarding in terms of getting discounts?

For me, it’s the Federal Bank Celesta! I usually get good discounts on Swiggy, Zepto (up to 21x for grocery spends, etc.), and a 1000 Amazon Voucher for paying my insurance! It has the highest limits among my 9 cards. It’s pretty great, and the best part is, it’s LTF like other Federal Bank Cards!

So, I’m curious to know if you have any card like this that you didn’t expect to be so rewarding but were pleasantly surprised by?

Axis Neo: Rarely use for any normal spends because of low reward rate but frequently I use it on Zomato (most of my spends are food related) to get flat ₹120 off when no better offers are there on a particular restaurant. Yes, it doesn't work for all the restaurants but when it does, it's a steal. Recently got 2 sundaes from Belgian Waffle just for ₹177!!!
And even for Blinkit 10% offer it's worth.

ICICI Sapphiro Amex: another super low rewarding card but frequently I use it on Zomato/Swiggy for Amex Network offer (₹150 off on orders above 699).

Fi Amplifi: Despite the ridiculous restrictions on 3% cb sites, it gives monthly ₹200 off on Zomato which is sometimes by far the best offer. useless card otherwise.

If I had to pick the best one for offers on Food delivery, I'd pick Axis Neo which gives the best value for money (₹0 because LTF).

 

[Card_Crafter]

Axis Airtel: use it only for Airtel recharge now. Flat 25% cashback. We have three Airtel sim, saved a lot on recharges.

Jupiter CSB : Flat 2% on UPI spends. Best for making payments at Kirana stores. Earlier used to give upto 5% CB.

 

[maheshspanicker]

I have the Federal Imperio card and do get a lot of offers, and use it when there are instant discounts. The reward rate isn't great, but they do have a lot of offers.
Another one is RBL Monthly Treats, 10 percent up to 300 each on Uber, Zomato and Myntra every month, though they never credit reward points correctly and the reward rates aren't great as such, but the cashbacks are credited within a week...
Have ended up using my SBI Simplyclick as an instant discount only card as it has become useless otherwise.

 

[cardio_guy]

Some of my cards that I use for specific offers:
- Federal Celesta: Occasional festival offers on some apps, B1G1 movie tickets, lounge access without spend criteria.
- ICICI Sapphiro: B1G1 movie offer on BMS upto Rs 500, twice a month.
- HDFC Swiggy: 10% cashback on Swiggy orders and 5% on Amazon, Myntra & Ola.
- Indusind Tiger: One free movie ticket once in 6 months, lounge access without spend criteria.