Get Max Discount

[ironreaper]

I want to buy a samsung phone ( max 25k ) and laptop ( max 1.3 lakhs ) can be windows or mac , I am currently a college student so have id card for discount so with two scenarios I want to know which credit card can give me max possible discount for electronics purchase specifically brands like samsung , lenovo , apple , etc , and it would be better if it's lifetime free credit card and if not then the value should be good enough to make up for that charges . ( I already have idfc first wow secured credit card lifetime free , but it doesn't give much discount in electronics I guess )

 

[TaxWiser]

I want to buy a samsung phone ( max 25k ) and laptop ( max 1.3 lakhs ) can be windows or mac , I am currently a college student so have id card for discount so with two scenarios I want to know which credit card can give me max possible discount for electronics purchase specifically brands like samsung , lenovo , apple , etc , and it would be better if it's lifetime free credit card and if not then the value should be good enough to make up for that charges . ( I already have idfc first wow secured credit card lifetime free , but it doesn't give much discount in electronics I guess )

For Online Purchases:

• Swiggy HDFC CC
• SBI Cashback CC/Amazon ICICI CC/Flipkart Axis CC
• Any HDFC/ICICI Core CC

For Offline/Store Purchases:

• HDFC Tata Neu Infinity RuPay CC - Croma
• Samsung Axis CC
• Any HDFC/ICICI Core CC

Pro Tip: Start by figuring out the exact product you want to buy. Once you've decided, hunt for the best discounts—whether it’s on Amazon, Flipkart, or at an offline store or mall. After that, try to find a credit card that gives you the maximum cashback or rewards. Since you're a student, it might be tricky to get one in your name. So, it’s a good idea to apply using your parent’s name or borrow a card from a friend or relative who’s cool with it. Happy shopping and saving!

 

[amitvicky]

You may get good discount on Apple products with your verified student id card.
Enquire for it. And th n look for card offers on top of that.

 

[Maitri Maniya]

For Online Purchases:

• Swiggy HDFC CC
• SBI Cashback CC/Amazon ICICI CC/Flipkart Axis CC
• Any HDFC/ICICI Core CC

For Offline/Store Purchases:

• HDFC Tata Neu Infinity RuPay CC - Croma
• Samsung Axis CC
• Any HDFC/ICICI Core CC

Pro Tip: Start by figuring out the exact product you want to buy. Once you've decided, hunt for the best discounts—whether it’s on Amazon, Flipkart, or at an offline store or mall. After that, try to find a credit card that gives you the maximum cashback or rewards. Since you're a student, it might be tricky to get one in your name. So, it’s a good idea to apply using your parent’s name or borrow a card from a friend or relative who’s cool with it. Happy shopping and saving!

Buying from the Lenovo website gives 5% cashback on all credit cards. If I pay using HDFC swiggy, will I receive an additional 5%, a feature of HDFC swiggy card + 5% CB of Lenovo = 10%? Or will I receive 5% only?

 

[TaxWiser]

Buying from the Lenovo website gives 5% cashback on all credit cards. If I pay using HDFC swiggy, will I receive an additional 5%, a feature of HDFC swiggy card + 5% CB of Lenovo = 10%? Or will I receive 5% only?

If Lenovo's 5% cashback is processed separately and HDFC Swiggy Card recognizes Lenovo as an eligible merchant, you should get 10% total cashback.

To be sure:

• Check Lenovo’s terms to confirm all cards qualify.
• Verify HDFC’s merchant category eligibility for Lenovo.
• Look for past user experiences to see if both cashback offers stack.

If both apply independently, you’re in luck! Otherwise, you may only get Lenovo’s 5% cashback.