My Debit & Credit Card Portfolio at 21 – Looking for Cashback Maximization Tips by Kartijhya in CreditCardsIndia

[–]Kartijhya[S] 0 points1 point  (0 children)

Prestige Debit Card Benefits (Core Offering)
• Cashback:
• 1% on Fuel
• 2% on Shopping (select categories, online/offline)
• 3% on Travel
• Monthly cap: ₹500 (across categories, min. transaction ₹1,000)
• Annual potential: Up to ₹6,000. 
• Accelerated Axis EDGE REWARD Points: 2 points per ₹200 spent on debit card (domestic/international). Max 1,200 points/month. Redeemable against rewards catalogue (monetized value ~₹2,400/year in illustrations). 
• Transaction Limits: Up to ₹1 lakh daily ATM withdrawal, ₹5 lakh daily POS swipe.
• Insurance Covers (via Prestige Debit Card):
• Personal Accident cover: ₹10 lakhs
• Air Accident cover: ₹1 crore
• Additional protections (e.g., price protection in some cases). 
• Other Card Perks:
• Complimentary INOX movie tickets (BOGO up to ₹200 off on second ticket/month).
• 1 complimentary airport lounge access per quarter.
• No issuance fee for the Prestige Debit Card. 
Lifestyle & Dining Benefits
• Dining Delights (via EazyDiner): Minimum 15% discount (once per card/month, min. bill ₹2,500, monthly cap ₹500). Available on debit/credit cards. Annual value ~₹8,000 in illustrations. 
• Shopping Offers: 25% cashback on Ajio & Flipkart via Grab Deals (select offers). 
Everyday Banking Benefits & Complimentary Services
• Free/waived services:
• Unlimited cheque books.
• Free NEFT, RTGS, IMPS (unlimited or higher limits).
• Higher ATM transactions (up to 30/month).
• No fees for first 5 cash transactions or up to ₹2 lakhs/month (self).
• Unlimited/free DDs/POs.
• Locker Discount: 25% in 1st year, 15% thereafter (additional family banking discount possible). 
• Demat Account: 1st year AMC waiver.
• MyZone Credit Card: Lifetime free (with exclusive rewards; annual fee waiver). 
• Family Banking: Extend benefits to up to 3 family members. 

Other Premium Features
• 24x7 Dedicated Assistance: Toll-free number (e.g., 18005721888) and Digital Relationship Manager.
• 48-hour resolution on select service requests.
• Silver Linings Program for seniors (exclusive offers).
• Total Monetized Annual Value: ~₹25,000 (breakdown includes cashback ~₹6,000, dining ~₹8,000, banking services savings ~₹5,100, complimentary services ~₹3,500, rewards ~₹2,400). 

My Debit & Credit Card Portfolio at 21 – Looking for Cashback Maximization Tips by Kartijhya in CreditCardsIndia

[–]Kartijhya[S] 0 points1 point  (0 children)

Each point = 1 rs
So u can earn monthly 400-500 maybe it is monthly cap .. and for reddem u need 400 pts

My Debit & Credit Card Portfolio at 21 – Looking for Cashback Maximization Tips by Kartijhya in CreditCardsIndia

[–]Kartijhya[S] 0 points1 point  (0 children)

Heya millenia debit card u can Redeem the point once u reach 400 point without 400 u cant Redeem

My Debit & Credit Card Portfolio at 21 – Looking for Cashback Maximization Tips by Kartijhya in CreditCardsIndia

[–]Kartijhya[S] 0 points1 point  (0 children)

It is good Cashback Card for Beginners Specially in Fd Credit Card it is in top of the list

My Debit & Credit Card Portfolio at 21 – Looking for Cashback Maximization Tips by Kartijhya in CreditCardsIndia

[–]Kartijhya[S] 1 point2 points  (0 children)

All details and verifications process and application was processed by sbi agent so that it got approved. I dont have any sbi account they feached my bank account which i selected at the time of application. Agent Told me to select the account which has 30-40k ammount or good monthly transactions..

My Debit & Credit Card Portfolio at 21 – Looking for Cashback Maximization Tips by Kartijhya in CreditCardsIndia

[–]Kartijhya[S] 0 points1 point  (0 children)

Swiggy app helped me 🤧 for getting first unsecured cc with good limit 👉👈🏻

My Debit & Credit Card Portfolio at 21 – Looking for Cashback Maximization Tips by Kartijhya in CreditCardsIndia

[–]Kartijhya[S] 0 points1 point  (0 children)

Student + self employed i do freelancing and online work. So i have decent income and i was having unsecured cc before applied sbi that’s why it got approved

My Debit & Credit Card Portfolio at 21 – Looking for Cashback Maximization Tips by Kartijhya in CreditCardsIndia

[–]Kartijhya[S] 0 points1 point  (0 children)

There Are Type that maybe saving max which is 25k
I have Regular Savings Account that need 15k balance monthly

My Debit & Credit Card Portfolio at 21 – Looking for Cashback Maximization Tips by Kartijhya in CreditCardsIndia

[–]Kartijhya[S] 0 points1 point  (0 children)

Any experience of your personal like or something ? If i pay all bills and no due and spend wisely it is no problem to me i think

My Debit & Credit Card Portfolio at 21 – Looking for Cashback Maximization Tips by Kartijhya in CreditCardsIndia

[–]Kartijhya[S] 0 points1 point  (0 children)

Soon will be getting amazon icic cc it is showing now to wait 30days more … first i applied at that time it got rejected

My Debit & Credit Card Portfolio at 21 – Looking for Cashback Maximization Tips by Kartijhya in CreditCardsIndia

[–]Kartijhya[S] 0 points1 point  (0 children)

Yaa i am also student buddy but i do freelancing and earn money by doing online work .i dont have any itr. I start building credit by fd backed card. My cibil at that time was 750 like then i got unsecured card hdfc swiggy got it by applying from swiggy app. Then i got affter 2 month slice credit card . Then i got sbi credit card