And on top of that, they recently announced the reduction in value of the points from 0.40p to 0.25p making them even less of a value. !I own Manhattan and find it perfect for my needs. 150 spent, so the earn rate is 1/150. Makes all the hard work worth while.WoW!! For Example, consider the ICICI Jet (Amex ver) Sapphiro Card.
If you consider an average spending of 20000 pm, you earn 15000 more miles.

5000/-. Rs.125 = 1 point. other banks such as sbi and citi were not charging for the loans taken with them.Can you please see the terms and conditions of the card ? As per the rules of Standard Chartered, no single customer of them can hold both Stan chart Titanium & Manhattan Platinum cards together as both are cash back cards. Burn Rate: Burn Rate is the Rupee value of a reward point. But that will happen only when you are paying dues on time. It also has other addons like lounge access with the card.Thanks for adding these valuable informationGreat work Manish….I would like to fine tune your work.Thanks for those additional points !Now the Manhatten platinum card rewards had changed the 5 points from 100 to 150 from Jan 2013. How to check your reward point?

I have already cancelled Kotak card – just based on the similar analysis done by the author.Yes .. good to maintain less credit cards, but if you can handle them well without falling in trap, then there is not a big issue even if you have 3-5 .The article is for information purpose. IndianOil Citi Titanium & Platinum Card. I was charged with two service charge for the two loan instalments and losing nearly 1000 Rs. To know more about the rewards earning structure, please 4 Reward point = 1 INR, so based on your reward point you can either recharge your mobile, DTH or buy items from the list.You can do that using SBI Rewardz app or by sending n SMS -REWARDS (Last four digits of your card number) from your registered mobile number to 5676791. This one is a winner.I have another card from StanChart – Titanium card. Deal?We'll process your application faster too!Gain an edge by connecting with us via email. This is post for financial savvy power card user (unlike most personal finance post which aim at debt ridden fellow)! of StanChart’s vs Rs. Based on my usage, do u think firstly think I should own a credit card? Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.Please provide some details to get the best offers. Will checkout other two.Thanks for appreciations AshishOh My God!!!!!!!!! Keep up the great work Manish, Thanks a lot for in depth analysis but here’s a caveat in the amount you have shown in the table above. 16 K Thanks again to Manish, Jago Investor team and Gaurav…Yes, StanChart does not issue Titanium and Manhattan to a single customer simultaneously. MoneyBack : 2 Reward points for every Rs 150: 6 Reward points for every Rs 150 spent online: 2: … The SMS format should be – REWARDS XXXX (last 4 digits of your Citibank Credit Card number).You can log in to Citi Bank Net Banking and check your reward points if you hold a Citibank PremierMiles Credit Card, Citibank Rewards Credit Card, IndianOil Citibank Titanium Credit Card, Citi Prestige Credit Card or IndianOil Citibank Platinum Credit Card.No, you cannot club together the reward points available on different credit cards. Always heard that having many credit card may create problems for you with delay in payments, interest charges, dispute but you are managing quite nicely it seemsI use stan chartd manhattan platinum.

So I am not sure how feasible it is to edit the article now . What really matters is your credit limit and your usage (should be atmax 50% of the limit) .This is awesome post and thanks for doing all the grunt work! Whereas each credit card reward point of a silver/gold card is worth 15 paise or Rs 0.15 only. In a retail store where you can get cashback, if you do not spend Rs. So, I shopped at a different chain the next month and I was pretty sure I got 10x rewards, but soon the same thing repeated. I usually use my credit card in case of buying costly things (as I can pay in easy installments) or for flight tickets (used only twice till now in the past 3 years though).
Same features at very competetive annual fees: Rs.

All these cards have sign-up bonuses and even if you are not a very frequent traveler and doing just 3-4 round-trips a year, these cards can save you a lot of money. However, I do have a simple excel sheet which I use to keep a track on which card to use on which date of the month depending upon Shopping date and Statement date. thanks for that point Sachin .. Focus more on the take away from the article , its more about the benefits these cards offer .. if it makes sense to carry them, then go ahead, else dump . And given that it is unsecured exposure – it may be a negative point in your credit profile.

I have a question, you are saying you had swiped your card on the same EDC machine in the same store of Big Bazaar, earlier you would get a cashback, now you don’t.

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