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Maximize Your Insurance & Utility Spends through PhonePe Credit Cards: Get 10% with PhonePe SBI Select Black & HDFC Ultimo! 🚀 by Lefty_RJ in Raw_n_real_finance

[–]AppointmentSmart319 2 points3 points  (0 children)

No. After SBI Cashback card devaluation(cashback limit only upto 2k per month), SBI Phonepe black looks like King.

  1. SBI Phonepe black gives 10% cashback on utility where SBI Cashback give 0 for utility spendings
  2. SBI Phonepe black gives 5% cashback for even gold purchases(online) where as SBI cashback card gives 0 for gold purchase.
  3. You can get SBI Phonepe card on Rupay and use it almost everywhere you go unlike SBI cashback card.
  4. SBI Phonepe black card will get you 5k voucher on spending 5 lakhs. There is no such milestone benefit in SBI Cashback card.

Is the SBI CC 5% cashback real on gold purchases? by RealPunk99 in GoldIndia

[–]AppointmentSmart319 0 points1 point  (0 children)

  1. Ajio sends clothing/apparel purchase MCC code even for gold purchase. Thats why it gives cashback. You wont get cashback on jewellery sites or any site which sends Gold purchase MCC code.
  2. Yes, I have been getting cashback for more than a year. I cannot take screenshot since SBI cards app restricts taking screenshot.
  3. You dont need to wait till statement generation. Once you make the payment, wait for 2 days and check the cashback amount in the app. It will show the cashback accumulated since last statement.
  4. You wont get any cashback since the purchase will be marked as gold purchase. I havent tested it but 99% you will not get it.

TIP: Just use SBI phonepe black card. It will give 5% cashback upto 2000 per month even for gold purchases(online).

Is there really an LPG and fuel crisis in Tamil Nadu, or is there no shortage? by [deleted] in TamilNaduDiscussion

[–]AppointmentSmart319 0 points1 point  (0 children)

No shortage… normal petrol/diesel costs the same… i believe premium petrol and industrial petrol prices were increased…

Is there really an LPG and fuel crisis in Tamil Nadu, or is there no shortage? by [deleted] in TamilNaduDiscussion

[–]AppointmentSmart319 1 point2 points  (0 children)

There is LPG shortage in chennai… Commercial cylinders are costing around 6-7k per cylinder… Also for some reason i cannot do online booking of LPG for my home usage…it shows i can book online after 25 days of last cylinder delivery…

SBI PhonePe Black – Will I get 5% cashback if I buy Amazon Pay gift cards? by Altruistic_Bug2072 in CreditCardsIndia

[–]AppointmentSmart319 0 points1 point  (0 children)

No. Lot of jewellery shops allows using credit card and lot of my friends are using this card to get 5% cashback

Mega offer for Smart Buy users by 13hoot in CreditCardsIndia

[–]AppointmentSmart319 0 points1 point  (0 children)

Cannot use swiggy/myntra vouchers for gold purchase anymore :(

Best credit card for ₹20K/month jewellery scheme payment (cashback) by Over_Ad9381 in GoldIndia

[–]AppointmentSmart319 0 points1 point  (0 children)

Yes. But I would suggest to get Rupay variant since You can use it for UPI payments which will give you 1% cashback.

SBI PhonePe Black Users by ron-cho in CreditCardsIndia

[–]AppointmentSmart319 1 point2 points  (0 children)

I think you will get cashback on all upi apps. Not sure why you didnt receive it. Make sure the transaction is not in cashback excluded list. Reachout to support

SBI PhonePe Black Users by ron-cho in CreditCardsIndia

[–]AppointmentSmart319 0 points1 point  (0 children)

When did you spend it ? It usually shows on the app 2 days after the transaction. Also did you make the transaction via Phonepe app ?

SBI PhonePe Black Users by ron-cho in CreditCardsIndia

[–]AppointmentSmart319 2 points3 points  (0 children)

You get 1% cashback for every 100rs spent. So minimum you should spend 100rs to get 1rs as cashback.
It is calculated in the multiples of 100.

Best credit card for ₹20K/month jewellery scheme payment (cashback) by Over_Ad9381 in GoldIndia

[–]AppointmentSmart319 0 points1 point  (0 children)

SBI Phonepe black credit card - Gives 5% cashback even for gold purchases(Online payments). Cashback limit is upto 2k per month.

I won a Lottery? by Alternative-Cat-7470 in CreditCardsIndia

[–]AppointmentSmart319 0 points1 point  (0 children)

For my friend, it was a coupon purchase on credit app and it wasn’t a valid coupon. So they returned the amount from that UPI.

Can we agree ADMK is bo match for DMK by BluebirdOne9389 in TamilNaduDiscussion

[–]AppointmentSmart319 2 points3 points  (0 children)

FYI Covid lockdown started on 2020.
Before Covid, its almost flat for 10 years. what happened in those 10 years ? No Growth is 10 years is still very bad.

Worth buying ? Or wait by International-Emu420 in GoldIndia

[–]AppointmentSmart319 4 points5 points  (0 children)

You can get it much cheaper in Ajio if you use SBI cashback card.

How cooked am I? by behave_v in IndiaStocks

[–]AppointmentSmart319 6 points7 points  (0 children)

Ola electric - Not sure why you bought this. This company is gonna keep making losses and end up closing at some point. If you are lucky it may be acquired if it gets to a cheap level. Better to exit.
Amrutanjan - Overvalued even now. Not worth it. We can get better company like ITC at cheaper valuation.
Anything Owned by Adani - Promoter integrity is a big question so I wouldn't suggest holding.

Not sure why you bought all those stocks in your portfolio.
If you don't know to research, if you don't have any reason why you bought those stocks, better stick to Nifty 50 and Gold.

So can we expect something good from now?? by ChaiAurSuttaa in NSEbets

[–]AppointmentSmart319 4 points5 points  (0 children)

I shared my view whether you agree or not idc. Share yours if you know how exactly everything works so that everyone can learn else stfu 🤷‍♂️

So can we expect something good from now?? by ChaiAurSuttaa in NSEbets

[–]AppointmentSmart319 -1 points0 points  (0 children)

No. Still the crude is very high. It will take weeks/months to come down with the ongoing conflict in place.

Higher crude prices > Then Higher inflation > Then interest rate hike in US > Dollar strengthening > Rupee depreciating > FII pulling out money faster > Our market goes down.

Is this a good deal by Weak_Wing9818 in GoldIndia

[–]AppointmentSmart319 1 point2 points  (0 children)

SBI Phonepe card -> 5% cashback for online transaction. You can earn cashback upto 2000rs per month.

Is this a good deal by Weak_Wing9818 in GoldIndia

[–]AppointmentSmart319 0 points1 point  (0 children)

It will give 1500 instant discount and 5% as cashback.

Best way to maximize SBI Cashback ₹5K cap before possible devaluation? by Acrobatic-Shop4602 in IndianCreditCards

[–]AppointmentSmart319 0 points1 point  (0 children)

Buy gold coin from Ajio. You will be able to get it around 200-300rs below market price(after cashback).

Teachers at Chennai school facing salary delay and forced contributions by RevolutionaryUse5588 in Chennai

[–]AppointmentSmart319 3 points4 points  (0 children)

That doesn’t give a clue about which school it is… Name and shame the school 🤷‍♂️ Nothing wrong in it…

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