I use credit cards for all my expenses for making the best of reward points. I earn around ~Rs.30,000-60,000 a year on reward points
As the Indian middle-class, every rupee reward counts in saving more
Below is the thread of some cards that I use for my expenses π§΅
#CreditCard
As the Indian middle-class, every rupee reward counts in saving more
Below is the thread of some cards that I use for my expenses π§΅
#CreditCard
Key things to consider:
- FREE CARDS - I prefer only free cards & never paid a single rupee as membership fee for any of my cards
- CREDIT as DEBIT - I use my credit card like debit card, spend and pay immediately
- TRACK OFFERS - Credit cards have specific offers, track them
- FREE CARDS - I prefer only free cards & never paid a single rupee as membership fee for any of my cards
- CREDIT as DEBIT - I use my credit card like debit card, spend and pay immediately
- TRACK OFFERS - Credit cards have specific offers, track them
1. Amex Rewards Credit Card (5-10% rewards)
BEST EVER
1000 Bonus points for 4 transactions of >Rs.1500
1000 Bonus points every month for spending >20K
After 24000 points, you can redeem it for 9000 Amazon/Flipkart or 14000 Taj voucher
Note - Amex not accepting new cards
BEST EVER
1000 Bonus points for 4 transactions of >Rs.1500
1000 Bonus points every month for spending >20K
After 24000 points, you can redeem it for 9000 Amazon/Flipkart or 14000 Taj voucher
Note - Amex not accepting new cards
2. Amex Gold Charge Card
1000 Bonus points for 6 transactions of >Rs.1000
Specific intermittent offers for utility payments, insurance & electronics
LIFETIME FREE CARD. NO PRESET LIMIT
24000 points = 9000 Amazon/Flipkart voucher
Note - Amex not accepting new cards in INDIA
1000 Bonus points for 6 transactions of >Rs.1000
Specific intermittent offers for utility payments, insurance & electronics
LIFETIME FREE CARD. NO PRESET LIMIT
24000 points = 9000 Amazon/Flipkart voucher
Note - Amex not accepting new cards in INDIA
3. Best card for online spends
FLAT 5% Cashback on online transactions upto Rs.10000 & additional offers
Amazinggggg card for online shoppers & I got the virtual card in 2 minutes
FIRST YEAR FREE
Apply here - sbicard.com
Or use code - j0Men5R7Y2D
FLAT 5% Cashback on online transactions upto Rs.10000 & additional offers
Amazinggggg card for online shoppers & I got the virtual card in 2 minutes
FIRST YEAR FREE
Apply here - sbicard.com
Or use code - j0Men5R7Y2D
4. Fuel spends - CITI INDIAN OIL CREDIT CARD
4 turbo points / Rs.150 spend. Each point = Rs.1 for fuel purchases
LIFETIME FREE
Works only in Indian Oil petrol pumps. Not so available in tier 2 cities
Full tank gives 1-ltr free petrol
Register here - online.citibank.co.in
4 turbo points / Rs.150 spend. Each point = Rs.1 for fuel purchases
LIFETIME FREE
Works only in Indian Oil petrol pumps. Not so available in tier 2 cities
Full tank gives 1-ltr free petrol
Register here - online.citibank.co.in
5. Slice card - Not a credit card (Its a consumer loan)
Many online and offline offers. FLAT 2% rewards when you cross Rs.5L spend.
Most useful for utility & insurance payments. 2% on insurance is huge. Specific SPARK offers every week to save more
Many online and offline offers. FLAT 2% rewards when you cross Rs.5L spend.
Most useful for utility & insurance payments. 2% on insurance is huge. Specific SPARK offers every week to save more
Key points to note
- Credit cards are not for cash. Never take loan of credit cards, life will get screwed
- Switch between cards wisely for more points
- Dont apply for too many cards- Impacts CIBIL
- Dont spend more than 10% of limit- impacts CIBIL
- Credit cards are not for cash. Never take loan of credit cards, life will get screwed
- Switch between cards wisely for more points
- Dont apply for too many cards- Impacts CIBIL
- Dont spend more than 10% of limit- impacts CIBIL
Are these the best cards ever ?? I donβt know.
These are just the cards I use, there might be other cards which I donβt know off
I donβt promote any of these products nor I have partnerships.
Sharing for awareness only.
Please RT the main post of you like π
These are just the cards I use, there might be other cards which I donβt know off
I donβt promote any of these products nor I have partnerships.
Sharing for awareness only.
Please RT the main post of you like π
I also use the the Amazon ICICI card with prime account for 5% cashback on all Amazon purchases.
This has become a bit useless after getting the SBI Cashback card as SBI card offers 10% discount (in offers) + 5% cashback to card. Amazon offers only 5% +5% to Amazon pay
This has become a bit useless after getting the SBI Cashback card as SBI card offers 10% discount (in offers) + 5% cashback to card. Amazon offers only 5% +5% to Amazon pay
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