Please help to find a suitable credit card for offline purposes

Hi. I have a cibil score of 797 and using two credit cards (hdfc millenia and sbi simply click) for my online expenses. I am looking for a credit card for my offline expenses.

monthly offline expenses on average

groceries - 8K
shopping(cloths, shoes and others) - 6K
fuel - 4K
dining out -1K
other expenses like medicine, small vendors through upi payments - 1K

Can some one please recommend suitable credit cards which gives maximum savings?
 

wcgxlr8

KF Mentor
OneCard would be the best but I have been told that they aren't accepting new members (check it out once though to be sure). Other than this, I feel that SC ultimate and Infinia are good options.
 

zack54

KF Mentor
Hi. I have a cibil score of 797 and using two credit cards (hdfc millenia and sbi simply click) for my online expenses. I am looking for a credit card for my offline expenses.

monthly offline expenses on average

groceries - 8K
shopping(cloths, shoes and others) - 6K
fuel - 4K
dining out -1K
other expenses like medicine, small vendors through upi payments - 1K

Can some one please recommend suitable credit cards which gives maximum savings?
Hello there,

Take Axis ace card which is best for offline purposes and utility bill payments. Currently they are offering it with 0 joining fee and gives you 1.5% for offline purchases and 5% for utility bill payments through gpay app.

Thanks
 
has any one used au lit cards? the add on features looks good. but adding them seems making the cards annual charge very high (365*12 = 4380).
 

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zack54

KF Mentor
I also have AU LIT card, but among all my credit cards only axis ace is the one which gives my cashback of 1.5% for offline purchases.
 

_rohitsoni

KF Expert
If you like to shop from brands, then SC Ultimate is the best one. It will give flat 3.33% reward on all purchases. Only con is you can redeem the points for branded vouchers only.
 
If you like to shop from brands, then SC Ultimate is the best one. It will give flat 3.33% reward on all purchases. Only con is you can redeem the points for branded vouchers only.
thanks. will check it out. i usually shop from standalone shops, supermarkets etc.

can anyone share their experience with hsbc cashback (now live+) card. i think it will be better for me as it gives 10% on groceries and food related spends. is it hard to get?
 

hemanthbn

KF Expert
thanks. will check it out. i usually shop from standalone shops, supermarkets etc.

can anyone share their experience with hsbc cashback (now live+) card. i think it will be better for me as it gives 10% on groceries and food related spends. is it hard to get?
Is this for offline spends you meant
 
M

mkate

Guest
You can use the Jupiter CSB bank card, which gives 2% CB on shopping. Also, you can try the SBI BPCL Octane card which gives 2.5% CB on offline stores.
 
You can use the Jupiter CSB bank card, which gives 2% CB on shopping. Also, you can try the SBI BPCL Octane card which gives 2.5% CB on offline stores.
Thanks. Bpcl card is also under consideration. No bpcl outlet near my home at the moment. One is under construction. Waiting for it to be completed.
 

abhimarda

KF Mentor
can anyone share their experience with hsbc cashback (now live+) card. i think it will be better for me as it gives 10% on groceries and food related spends. is it hard to get?
It is available in limited cities. If you are in one of them then apply for it. This is good for people whose major expense is in grocery and dining. On remaining categories it's not that great and better alternatives are available.
 
It is available in limited cities. If you are in one of them then apply for it. This is good for people whose major expense is in grocery and dining. On remaining categories it's not that great and better alternatives are available.
Tried. But didn't get as my pincode doesn't come under their allowable area
 

zack54

KF Mentor
Plus sabse achi baat ye hai ye card ki aap kahi par bhi kitana bhi spend karo iske rewards points milte hai or plus offer bhi milte hai
Hello Friend,
I have BPCL card and also it has 3755 reward points. kindly share how can I convert for free fuel ?
I have already checked the sbi app there are no vochers for fuel, also discussed the same with customer care as well.

Thankyou
 
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