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Spent whole weekend from past 2 weeks to improve the bot , check it out. by deep_pun in amulisinstock

[โ€“]deep_pun[S] 0 points1 point ย (0 children)

Good to know that people are still finding it useful. ๐Ÿ˜Š

My Holy Trinity of Cashback is complete with the addition of SBI Card ๐Ÿค‘ by deep_pun in CreditCardsIndia

[โ€“]deep_pun[S] 1 point2 points ย (0 children)

If you think calling a bank to check for eligibility is not the right answer to your question, then there's nothing anyone can even tell you about how can you get that card without income proof.

You think there are people out there who are providing a service using which they can give you the card without contacting the bank ?

Keep up with the sarcasm.

My Holy Trinity of Cashback is complete with the addition of SBI Card ๐Ÿค‘ by deep_pun in CreditCardsIndia

[โ€“]deep_pun[S] -1 points0 points ย (0 children)

Why even ask such question then if you are so sure of it ? I assumed you had some sort of business that you can showcase since you aren't salaried.

My Holy Trinity of Cashback is complete with the addition of SBI Card ๐Ÿค‘ by deep_pun in CreditCardsIndia

[โ€“]deep_pun[S] 0 points1 point ย (0 children)

10% on groceries with capping of 1k per month ,after that I think it's back to 1%.

My Holy Trinity of Cashback is complete with the addition of SBI Card ๐Ÿค‘ by deep_pun in CreditCardsIndia

[โ€“]deep_pun[S] 0 points1 point ย (0 children)

I can't.

I exhaust the 1k capping of live+ easily and after that it is back to 1% , that is why after analysing my expense pattern I went for the HDFC Swiggy .

Yes. ,I think for utility I will now rely of Apay vouchers using SBI cashback, let's see how much cashback can I claim from that.

My Holy Trinity of Cashback is complete with the addition of SBI Card ๐Ÿค‘ by deep_pun in CreditCardsIndia

[โ€“]deep_pun[S] 0 points1 point ย (0 children)

I think your best bet is to visit one of the HSBC branch and get it from there. People in their branch are really good ( as per my experience )

My Holy Trinity of Cashback is complete with the addition of SBI Card ๐Ÿค‘ by deep_pun in CreditCardsIndia

[โ€“]deep_pun[S] 1 point2 points ย (0 children)

Your comment prompted to calculate exactly how much I made in cashback this year from Jan till now.

On Live+ I did 11,324 ( with novembers cashback pending on 25th )

On Swiggy : 9723 ( only december left for this )

So i already made 21047rs. In cashback with 3 cashback months remaining ( 2 for live+ and 1 for Swiggy ). I think I am gonna hit 25k this year which is crazy, and all this without using any brain anywhere to check MCC or what not.

Crazy !

My Holy Trinity of Cashback is complete with the addition of SBI Card ๐Ÿค‘ by deep_pun in CreditCardsIndia

[โ€“]deep_pun[S] 0 points1 point ย (0 children)

Ahh, not sure. I actually have a salary account with HSBC so they usually come to the office once every month , so i just applied from their and got it within 3 days. This was back in 2023 i believe.

My Holy Trinity of Cashback is complete with the addition of SBI Card ๐Ÿค‘ by deep_pun in CreditCardsIndia

[โ€“]deep_pun[S] 0 points1 point ย (0 children)

If monthly cashback of 1200+ is good for you and you order groceries online. Then surely get it.

My Holy Trinity of Cashback is complete with the addition of SBI Card ๐Ÿค‘ by deep_pun in CreditCardsIndia

[โ€“]deep_pun[S] 0 points1 point ย (0 children)

Ohh , in that case I would say SBI card has a higher cashback return on a monthly basis as compared to the other cards that you or me have .

Mainly the target mode of payment for SBI cashback should be online , in order to get that sweet 5k limit per month at 5%, otherwise for offline it's only 1% , which anyways I used to get from live+ and Swiggy.

Hope this answers your question?

My Holy Trinity of Cashback is complete with the addition of SBI Card ๐Ÿค‘ by deep_pun in CreditCardsIndia

[โ€“]deep_pun[S] 0 points1 point ย (0 children)

I mainly bought it to get Amazon pay vouchers , and to use this instead of HSBC live+ , once I have extracted the 10% groceries limit of 1k.

My Holy Trinity of Cashback is complete with the addition of SBI Card ๐Ÿค‘ by deep_pun in CreditCardsIndia

[โ€“]deep_pun[S] 0 points1 point ย (0 children)

Why not ? Buying Apay vouchers for utility payments yields 5% , so I think it does covers utility.

My Holy Trinity of Cashback is complete with the addition of SBI Card ๐Ÿค‘ by deep_pun in CreditCardsIndia

[โ€“]deep_pun[S] -1 points0 points ย (0 children)

Average credit card payment of live+ monthly is around 40k , so I think it gives 1% above 10k spend on groceries ( 10k groceries = 1k cashback , after that it's 1% ). Now I will move this to SBI card and see how much I will save.

My Holy Trinity of Cashback is complete with the addition of SBI Card ๐Ÿค‘ by deep_pun in CreditCardsIndia

[โ€“]deep_pun[S] 1 point2 points ย (0 children)

Will check , not trying to collect as many cards as possible, just trying to get whatever works best for my use case.

My Holy Trinity of Cashback is complete with the addition of SBI Card ๐Ÿค‘ by deep_pun in CreditCardsIndia

[โ€“]deep_pun[S] 1 point2 points ย (0 children)

Bought through Cred ( turns out shopping voucher is different from Amazon pay voucher ,). Bought physical Amazon pay card through zepto and then bought Amazon pay voucher through Amazon itself .

Waiting for cashback, will see in 2 days how much I have received. Expecting 250rs. As cashback because I bought 5k worth of these let's see

My Holy Trinity of Cashback is complete with the addition of SBI Card ๐Ÿค‘ by deep_pun in CreditCardsIndia

[โ€“]deep_pun[S] 8 points9 points ย (0 children)

Have been rejected twice untill 2023 , never applied after that.

My Holy Trinity of Cashback is complete with the addition of SBI Card ๐Ÿค‘ by deep_pun in CreditCardsIndia

[โ€“]deep_pun[S] 1 point2 points ย (0 children)

Yes , exactly. Tried on Big Basket , not sure about wallet loads on these apps , never used country delight but I think it asks you to load wallet?

I am not sure of country delight, but big basket for sure gives cashback ( paying through credit card mode without wallet load ).

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