Need suggestion for right cc for buying laptop

[lakshaymukhija]

I am planning to buy a Macbook air costing around 1 lakh 20k
They are giving me 10k flat cashback on icici and axis bank card and a no cost emi for 6 months

Are there any cards from these banks that give rewards on emi transactions too?
I currently have axis atlas cc and icici amazon pay credit card, can apply different card if i can get rewards on emi transaction

 

[arjungoyal12]

Most credit cards don’t give reward points on EMI transactions, especially on no-cost EMI. Once you convert a purchase into EMI, banks usually either don’t give any rewards or they reverse the points later.

In your case, both Axis Atlas and ICICI Amazon Pay credit cards don’t offer rewards on EMI transactions. Even other cards from Axis and ICICI generally follow the same rule, so switching cards within these banks won’t really help.

The ₹10,000 cashback you’re getting is already a very good deal. It gives you a clear and guaranteed saving, which is usually better than trying to earn uncertain reward points.

If you’re able to pay the full amount upfront, you might earn rewards depending on the card. But if you convert that transaction into EMI later, those rewards are usually removed.

So the best option here is to go ahead with the ₹10K cashback along with the no-cost EMI. That combination already gives you the maximum benefit, and trying to get extra rewards on EMI usually doesn’t work.