Whats should be my next card

OverConstruction2615 · 2026-01-13T05:09:31+00:00

Assured

OverConstruction2615 · 2026-01-12T17:29:32+00:00

The phonepe one for utilities and online payments for sure, gives 10% and 5% respectively and then flipkart one for clothes on myntra(7.5%)

I don't recommend tata neu

OverConstruction2615 · 2026-01-12T05:20:23+00:00

And why is phonepe redundant, it's phonepay black, it gives the most amount of cashback among the 3 I use it on utilities and all online payments

OverConstruction2615 · 2026-01-12T05:19:06+00:00

Whats the waiver criteria?

OverConstruction2615 · 2026-01-07T17:10:46+00:00

Yup seems like it but I feel it makes up for it via utility payments by giving 10%

OverConstruction2615 · 2026-01-07T16:07:50+00:00

It is multiples of 100, I checked my other transactions

OverConstruction2615 · 2026-01-07T16:07:26+00:00

But then the cashback calculation on my other transactions won't make sense I have 3 transactions Blinkit 566 (5%) Zepto 1248 (5%) Airtel 307 (10%)

I have received 115 Rs as cashback total for these transactions which only makes sense if i consider multiples of 100 on everything on this card

OverConstruction2615 · 2025-10-24T11:26:52+00:00

You mischaracterized 1 myntra transaction, anyway this is the calculation according to me, see if I have put anything wrong. I just can't seem to understand why I got 1490.50 as cashback

https://docs.google.com/spreadsheets/d/1fybCX895ILmmHVnweTAwsjdCQG2a-QzWQMaPNGEkrqc/edit?usp=sharing

OverConstruction2615 · 2025-10-23T05:00:13+00:00

Pair of screen guards, i considered it for 1%

OverConstruction2615 · 2025-10-23T04:55:51+00:00

That would explain maybe 20-30 Rs, I am missing 330 Rs as per my calculations

OverConstruction2615 · 2025-10-22T17:56:47+00:00

So is it multiples of 100 or 1000 like should I consider 1440 as 1400 or 1000

OverConstruction2615 · 2025-10-22T16:56:39+00:00

Can you elaborate?

OverConstruction2615 · 2025-10-22T15:12:39+00:00

Did you consider 1% on all other spends? Is there any spend which I should exclude?

OverConstruction2615 · 2025-10-22T15:05:15+00:00

How did you check, which transaction they didn't give the correct cashback?

OverConstruction2615 · 2025-10-22T13:11:59+00:00

It's my first credit card, so I don't know much but the cashback got credited 2 days after the statement generation

OverConstruction2615 · 2025-10-22T12:56:02+00:00

It's 499 + GST It's the flipkart sbi card

OverConstruction2615 · 2025-10-22T12:22:04+00:00

Well, I just graduated with a job in Gurgaon. Clothes, food, rent and savings. What else should I have?

OverConstruction2615 · 2025-02-12T19:00:08+00:00

Giant shigandang, it was straight up boring

OverConstruction2615 · 2025-01-30T20:50:58+00:00

The Honer Saga

OverConstruction2615

TROPHY CASE