Which one is your most used credit card and what % of value do you get back as reward?

[kunal89]

I'm starting this thread to see who is using which card as their primary or most used card and what is the value he/she is getting back in terms of cashback , airmile, hotel points etc.
I'm using ICICI Amazon pay card the most out of all cards. I'm getting 5% cashback + 1% bill payment (HDFC debit card) for every transaction (non bill payment). So this is my default 6% value back card.

SC ultimate comes second at 4.33% value back (including bill pay). It takes care of all the offline swipes.

Share yours!

 

[Sathishmani]

SBI Cashback CC - For Online transactions
Axis Ace CC- For Offline Transactions and utility bill payments
HDFC Tata Infinity CC - For UPI merchant Payments.

I have below cards will use it based on the offer.
HDFC
SBI
ICICI
Axis
HSBC
SCB
Citi
Yes
IndusInd
IDFC
RBL
BOB
Canara
Pnb
One Card

 

[n00b]

ICICI APay
SBI Cashback

 

[palen]

SBI CC for online, Kiwi for UPI and Scapia for forex.

 

[AlgoTrader]

Amex MRCC - 5% for first 20 K spends
SC Ultimate - 3.33% for most spends

 

[Raj Gopal]

SBI Cashback CC - For Online transactions
Axis Ace CC- For Offline Transactions and utility bill payments
HDFC Tata Infinity CC - For UPI merchant Payments.

I have below cards will use it based on the offer.
HDFC
SBI
ICICI
Axis
HSBC
SCB
Citi
Yes
IndusInd
IDFC
RBL
BOB
Canara
Pnb
One Card

Hi Bro, Because of these many cards will your effects negatively, whais your Cibil score and how you mange Cibilscore

 

[Sathishmani]

Hi Bro, Because of these many cards will your effects negatively, whais your Cibil score and how you mange Cibilscore

Cibil 798
Experian 844

 

[Sathishmani]

Cibil 798
Experian 844

On time payements since 11 years. Hope I will maintain the same in future.

 

[Raj Gopal]

I am Using 8 cards at Present but from past one year i am Opening New cards, my cibil score movening between 720 to 737, i don't know how to increase

 

[Sathishmani]

I am Using 8 cards at Present but from past one year i am Opening New cards, my cibil score movening between 720 to 737, i don't know how to increase

Make on time payment regularly and don't apply CC, PL, BNPL for 3 months. It will help you to increase

 

[Hisoka]

I'm starting this thread to see who is using which card as their primary or most used card and what is the value he/she is getting back in terms of cashback , airmile, hotel points etc.
I'm using ICICI Amazon pay card the most out of all cards. I'm getting 5% cashback + 1% bill payment (HDFC debit card) for every transaction (non bill payment). So this is my default 6% value back card.

SC ultimate comes second at 4.33% value back (including bill pay). It takes care of all the offline swipes.

Share yours!

Axis Magnus till last month

Got Approx reward rate of 20-22% in the 6 months period I used.

Now it’s SBI Cashback for all online spends. Reward rate of 5%

For offline use I use Axis Vistara Signature, it gives reward rate of 8-9% (3 premium economy tickets on 3L spends till now and 2% CV points per 100)

 

[Raj Gopal]

On time payements since 11 years. Hope I will maintain the same in future.

Make on time payment regularly and don't apply CC, PL, BNPL for 3 months. It will help you to increase

Ok Thanks you Bro

 

[Deleted member 5552]

Axis Ace is my preferred card.

👍 I get 4% cashback on insurance payment using this card
👍 Looted a good amount of 4% cashback using OLA money with different tricks (that time is gone)
👍 I get 5% cashback on recharge and bill payments

 

[techno123]

Which website you used for all this rewards

 

[kumars_001]

Amex MRCC - 5% for first 20 K spends
SC Ultimate - 3.33% for most spends

May I know how mrcc gives 5%?
We get 2k points for 20k.spends. if.we redeem for Amazon vouchers 7k rupees for 18k points. So it would be something around 3.4% right

 

[srichaitanya]

Online Transactions - SBI Cashback (5%)
Offline Transactions - Axis Ace (2%) and for grocery/departmental spends between 1k-3k, SC Manhattan (5%)
UPI Transactions - HDFC Tata Neu Infinity (1.5%)

 

[rockking1994]

Axis Airtel 25% on phone recharges and 10% on electricity
Milenia for amazon purchase and extra electricity bill pay 5% or
Amex for AGV for bill pay
Next for fuel sbi vistara prime 4CV for every 200
Bob snapdeal for cc upi 1% on all

 

[AlgoTrader]

May I know how mrcc gives 5%?
We get 2k points for 20k.spends. if.we redeem for Amazon vouchers 7k rupees for 18k points. So it would be something around 3.4% right

You missed regular MR points

 

[avikrish]

SBI CC for online, Kiwi for UPI and Scapia for forex.

Do we have any hidden charges or limit for forex transactions using scapia ?

 

[asahi]

My go to card if no specific offer is available is sbi simply click card