The Credit Card Thread

Mr. Nobody · 25th January 2020, 00:05

Quote:

Originally Posted by ruzbehxyz

Which is currently the best fuel cash back credit card or the credit card best for fuel ?

In my view there is Standard chartered Titanium card which gives upto 200 cashback on fuel a month but it has a high annual fee and spend requirement to get fee waiver. Before this i used HDFC bharat cashback which i got free but it limits fuel cashback to 150 a month at 5% as well like standard chartered titanium( when i got the card it used to be 250). Other cards are usually for one company only of fuel bunk like IOCL/BP/HP etc.

rkg · 25th January 2020, 11:42

SCB SVT card will not give any cash back or fuel surcharge waiver, if the amount is 2000/-and above

To get cashback and fuel surcharge waiver, total value of transaction including surcharge should be less than 2000/- I had faced this.

If one fills for 2000, final bill will be 2000+ surcharge. As per SCB this is more than 2000/ upper limit for transaction. Hence surcharge revarsal, no cash back

haridsv · 26th January 2020, 14:38

Quote:

Originally Posted by rkg

SCB SVT card will not give any cash back or fuel surcharge waiver, if the amount is 2000/-and above

To get cashback and fuel surcharge waiver, total value of transaction including surcharge should be less than 2000/- I had faced this.

If one fills for 2000, final bill will be 2000+ surcharge. As per SCB this is more than 2000/ upper limit for transaction. Hence surcharge revarsal, no cash back

FYI, I just checked transactions for my last fill of Rs.2000:

Quote:

14/01/2020 72SGST @ 09.00%
INR 1.14 CR
14/01/2020 71CGST @ 09.00%
INR 1.14 CR
13/01/2020 XXX
INR 2,023.60 DR
13/01/2020 D2Surcharge Reversal 1%
INR 20.03 CR

Total credits do add up to the surcharge.

bluevolt · 27th January 2020, 11:16

Members, request to list down some cards options which are lifetime free in terms of annual fees.

nrahul · 27th January 2020, 19:54

While very few cards are marketed as lifetime free, almost all cards offers LTF option. It depends on the relationship with the provider.

Quote:

Originally Posted by bluevolt

Members, request to list down some cards options which are lifetime free in terms of annual fees.

Aroy · 28th January 2020, 13:38

Quote:

Originally Posted by bluevolt

Members, request to list down some cards options which are lifetime free in terms of annual fees.

I have three - ICICI, Kotak and AMEX

Red Liner · 28th January 2020, 13:43

Quote:

Originally Posted by Aroy

I have three - ICICI, Kotak and AMEX

What is the name of the KOTAK card?

Aroy · 28th January 2020, 14:21

Quote:

Originally Posted by Red Liner

What is the name of the KOTAK card?

Kotak : League
ICICI : Amazon Pay and Platinum
Amex : Gold

rkg · 28th January 2020, 14:53

Quote:

Originally Posted by haridsv

FYI, I just checked transactions for my last fill of Rs.2000:

Total credits do add up to the surcharge.

In my case SCB refused to revert the fuel surcharge.
Amount was 2K with surcharge it is 2023+. No cash back also

haridsv · 28th January 2020, 18:02

Quote:

Originally Posted by bluevolt

Members, request to list down some cards options which are lifetime free in terms of annual fees.

Depends on your relationship with the bank. I got SC SVT card for lifetime free because I currently qualify for premium account.

adi.mariner · 30th January 2020, 01:10

Has anyone bought the Amazon Pay ICICI Bank Credit Card? I haven't used Credit Cards till date and thought that this would be a good option considering it's Lifetime free. Any advice is appreciated?

digitalnirvana · 30th January 2020, 01:30

Quote:

Originally Posted by adi.mariner

Has anyone bought the Amazon Pay ICICI Bank Credit Card? I haven't used Credit Cards till date and thought that this would be a good option considering it's Lifetime free. Any advice is appreciated?

I have it and it's a very good option considering the cashback / reward point benefits it offers on Amazon and all online purchases, plus the fact that there is no cap on cashback amount. I would strongly recommend the card.

dmplog · 30th January 2020, 08:21

Quote:

Originally Posted by digitalnirvana

I have it and it's a very good option considering the cashback / reward point benefits it offers on Amazon and all online purchases, plus the fact that there is no cap on cashback amount. I would strongly recommend the card.

Is cashback applicable to all online purchases or just Amazon? I thought 5% cashback was valid for Amazon purchases.

Aroy · 30th January 2020, 10:00

Quote:

Originally Posted by adi.mariner

Has anyone bought the Amazon Pay ICICI Bank Credit Card? I haven't used Credit Cards till date and thought that this would be a good option considering it's Lifetime free. Any advice is appreciated?

I have even though I have a regular LTF ICICI bank card.

The cash back is there for purchases on Amazon. Apart from that it is a regular ICICI card, so you get all the benefits of discounts and cashback of the ICICI cards.

Ithaca · 30th January 2020, 12:16

Quote:

Originally Posted by adi.mariner

Has anyone bought the Amazon Pay ICICI Bank Credit Card? I haven't used Credit Cards till date and thought that this would be a good option considering it's Lifetime free. Any advice is appreciated?

It is a good card. Go for it. I applied for it after reading good posts about it on this thread itself.

Being an existing ICICI Bank customer, after showing KYC documents for the card to the verifier who visited the residence, it was issued to me within a week of applying.

This is the post #3317 by member vvijay on page 222 of this thread in reply to member ARoy.

https://www.team-bhp.com/forum/shift...ml#post4704605 (The Credit Card Thread)

25th January 2020, 11:42	#3407
rkg Senior - BHPian Join Date: Apr 2005 Location: bangalore Posts: 1,044 Thanked: 594 Times	Re: The Credit Card Thread SCB SVT card will not give any cash back or fuel surcharge waiver, if the amount is 2000/-and above To get cashback and fuel surcharge waiver, total value of transaction including surcharge should be less than 2000/- I had faced this. If one fills for 2000, final bill will be 2000+ surcharge. As per SCB this is more than 2000/ upper limit for transaction. Hence surcharge revarsal, no cash back
	() Thanks

27th January 2020, 11:16	#3409
bluevolt Senior - BHPian Join Date: Jan 2011 Location: New Delhi Posts: 3,274 Thanked: 3,474 Times View My Garage	Re: The Credit Card Thread Members, request to list down some cards options which are lifetime free in terms of annual fees.
	() Thanks

30th January 2020, 01:10	#3416
adi.mariner BHPian Join Date: Mar 2019 Location: Pune Posts: 524 Thanked: 1,290 Times	Re: The Credit Card Thread Has anyone bought the Amazon Pay ICICI Bank Credit Card? I haven't used Credit Cards till date and thought that this would be a good option considering it's Lifetime free. Any advice is appreciated?
	() Thanks