Appreciation post & detailed review of my cards - SBI CB, IDFC Wow, RBL Shoprite.

Hi guys, I've started my CC journey late Oct 2024. Thanks for letting me know about all the information!!!

So, Here's my journey!

Applied (in order): Kiwi YesB, IDFC Wow, Amazon ICICI, SBI Cashback, AU Ixigo, Airtel Axis, RBL Shoprite, IndusIND Tiger, SBI Platinum Debit, Uni Gold X, Axis Neo.
Approved: IDFC Wow Visa LTF + Rupay Virtual 200/yr FYF (FD max limit), SBI Cashback (20k) - 999/yr, RBL Shoprite LTF (25k), SBI Platinum Debit 300/yr.

Closing off overdraft against FD gave me a boost of 64 points immediately (692 -> 756), it was my only credit product I had, running since 3 years since I was a student back then. It was a flexi loan, so no EMI = no default possible, was just interest at 1% above FD.
Multiple enquiries does not really cost much, in my experience - 1 point drop every 2 enquiries. This has been my experience, maybe it differ for other ppl.

IDFC App: Really helpful, every details is clearly given, easy dispute for old transactions, MCC code is clearly given of each and every txn (I really like this feature - helps for other card spend criterias too).
IDFC Wow Visa: Good discounts on Flipkart Mobile phones, used for 2-3k off on 20-25k segment twice. This is other than reward points which is 0.67% in addition.
IDFC Wow Rupay: Zomato for limited period have flat 15% off over 3k+ bill upto Rs1200, used that multiple times (almost once or twice every month). I got this as FYF and 200/yr after, mostly only for UPI or zomato, might not close as the benefit of viewing MCC codes is actually a plus for me. Found a lot of juice shops have groccery MCC which I can utilize with my other card.
Cons: Rs99+gst redemption fees (468 points go in vain), so haven't yet redeem anything till now, good thing points never expire.

No Nonsense card, straight 5% off (I see effective ~4.81% because of rounding off maybe). Cashback visible within 2-4 days as soon as txn is settled.
Sadly got only 20k limit. For big ticket purchases I generally mix with rest of amount to Amazon Shopping Voucher from IDFC Poshvine (3% off).
SBI Card App: is little shit. My card is currently in my hometown, can't swipe and get 1% sadly for now, Tap n Pay doesn't work in SBI Card App (says server down). Although Scan n Pay worked in one of the restaurant (BharatQR) making me eligible for 5% back on offline.

Just issued, already knew MCC of frequent juice shops & dmart using my previous txn on IDFC Wow. 5% off on groccery offline / upi.
Con: Previous txn rewards not visible, don't know when it is processed.
Con: Same problem with IDFC Wow, Rs99+gst for redemption, and points expire in 2 years. But hey, its better than 1% I'd be getting using SBI CB in offline setting.

Online / BharatQR (rare) / McDonalds online order on dinein: SBI CB (5%).
Offline Grocery / Juice Shops: RBL Shoprite via UPI (5%).
Limit exhausted: IDFC Wow - via poshvine GV or directly (0.67% swipe|upi>2k or 0.16% on upi<2k).
Lounge - SBI Platinum DC (2/quater).
Dipping
- IDFC Poshvine -> AmazonPay Voucher (1%) -> Uber (5%)
- Nowadays I use namma yatri in blr or I already get 17% off on Uber iykyk.
- IDFC Poshvine -> Amazon Shopping Voucher (3%) partial pay possible, rest via other CC
- Any Rupay -> Zomato Dining (15%)
Bill Pay
- IndMoney with UPI, I was getting 0.3% consistently back.
- Might switch to Mobikwik this month, getting Rs350 cb as first time user for first payment and fullpay consecutively, later 1% is back as supercash (which can be used as 5% of utility payments / mobile recharges - Axis Neo alternative lol). Also, Mobikwik allows SBI DC as payment method, which gives 0.25% back similar to the INDMoney anyway.

Here's the list of MCC Codes I found using my IDFC card (will keep updating):

Thanks again, will keep you posted! Feel free to ask any questions you may have :)