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WobblyCupcake
WobblyCupcake
Apple

Credit card suggestions

I was checking my credit card rewards and realised that HDFC gives 4 points for every Rs150 spent.

Now I have a decent amount of credit card expenses every month but the majority of my transactions are less than 150. I spend a lot buying snacks, soft drinks and energy drinks from a shell store near my office.

Is there a way like using any buy now pay later product and then pay that from my credit card? Or Is there any credit card which can give a similar level of benefits and also account for small transactions as well?

Additional question: How is the Rupay or one credit card?

15mo ago
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BouncyPancake
BouncyPancake
SAP15mo

I would say withdraw some amount to Paytm wallet using Credit card and then use the wallet for payments at stores.

QuirkyPickle
QuirkyPickle
Collins Aerospace15mo

Takes around 2-3% transaction charges for wallet loads using credit card

BouncyPancake
BouncyPancake
SAP15mo

F. You're right. Used it once but didn't notice it back then. Thanks dude

QuirkyPickle
QuirkyPickle
Collins Aerospace15mo

HDFC tata neu infinity(rupay)- 1.5% cashback on UPI merchant spends For other transactions, SBI Cashback credit card - 5% cashback on online spends.

JazzyKoala
JazzyKoala
Ericsson3mo

For 1.5% CB you have to pay via Tata Neu app...back breaking effort. App is too slow. SBI CB CC only gives CB on online transactions.

QuirkyPickle
QuirkyPickle
Collins Aerospace3mo

This limitation has been introduced recently.

WobblyBagel
WobblyBagel
Stealth15mo

Go to TechnoFino or CC Twitter. You'll find great info, mostly at TechnoFino community. FYI, not affiliated with them, TF Community got me into credit cards last year, have extracted close to 20k cash value from them. Also, if you prefer videos, YT has many good YTbers as well, just don't fall for any referrals scams or overly positive reviewers.

And if you can provide your monthly spending distribution, I can suggest a couple cards. Currently best in terms of rewards is Infinia after the Magnus Deval.

ZestyDumpling
ZestyDumpling
PayTM15mo

TechnoFino is a community on which platform?

WobblyBagel
WobblyBagel
Stealth15mo

They have their own forum, search for them, you'll find their site

GigglyWaffle
GigglyWaffle
Stealth15mo

Go for Amazon Pay ICICI card

SnoozyBoba
SnoozyBoba
Kantar15mo

Go for SBI Cashback card for shopping and Airtel axis credit card for bill payments, swiggy/zomato/bigbasket.

JazzyPenguin
JazzyPenguin
Stealth14mo

unable to get through airtel axis. referral possible?

SnoozyBoba
SnoozyBoba
Kantar14mo

Not able to refer. If you are an airtel user, open airtel app and go to pay tab from bottom. You will find credit card option there.

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