As Deepavali is around the corner, you might already be in shopping spree by making use of the raining festive promos back to back along with Flipkart BBD & amazon Festive sale. Yet, here are some inputs from my end which may be further helpful to find new ways to save more while spending less.
#1 Pantaloons Offer
Yes, this is not a Credit card offer, but worth a lot. Every year pantaloons has been running the festive promo wherein you get complimentary gifts like Trolley/other gift items on shopping X amount with them. This year too they were running a similar promo across various cities with different offers.
In Salem, we have this offer: Purchase for Rs.10k or above on any brand (7k with limited brands) in pantaloons to get the Trolley worth Rs.6500. That’s more than 50% value back and also as my current trolley is getting old, this came in right time.
What’s even more exciting is i didn’t spend this 10k from pocket, rather used the 10K Pantaloons voucher which i received from SBI Prime (3K welcome voucher + 7k milestone voucher).
I love giving shopping treats to my family at pantaloons and infact this is the second time i’m shopping at Pantaloons in this year. Early 2018 too i used a 10k voucher that i received from Indusind Iconia.
So on a bill of Rs.10,500, i got value worth ~Rs.16,500 (10.5k dress+ 6k trolley) on spending ~Rs.500. Me happy, family even more happy 😉
P.S. That ~Rs.500 too i paid with that Cash credit received from converting the points. 🙂
Total Savings: Rs.16,500 (100% Free)
It’s sense of achievement to walk out of Pantaloons with a complimentary trolley + full of dresses inside worth 10k. 😊
— Siddharth Raman (@flywithsid) October 28, 2018
#2 HDFC 10X Points
I’ve stopped spending on 10X offers since past 1 year except on few small txns now and then as i’ve mentioned it on 2017 Year in Review but this time we did have real shopping needs in the family, so that was a nice 33% saving on Diners Black.
Total Savings: 33% as Points
#3 Indusind Accelerated Points
Indusind Bank Credit cards has 2X/3X/5X offer that are very lucrative especially because you can convert the points to cash. As i’ve comparatively low spend targets on Indusind Iconia, this comes very much handy to me for the spends that doesn’t fall under the HDFC 10X category.
Total Savings: ~10% as cashback
#4 ICICI Gold & Dining Vouchers
That aside, they’ve also launched a new promo where you get Tanishq Gold vouchers which will anyway be covered if Marriott promo target is met.
Total Savings: ~15% + JPMiles/Points
Diwali season is the best season for shopping. Merchant’s throw lucrative offers hoping for high volume orders and credit card companies come up with raining spend based offers as they want you to use their cards & probably put EMI on it.
As a customer this will save us a huge amount at the end of the day. But make sure you don’t buy things just because its on offer, as the Oracle of Omaha rightly said:
“If you buy things you don’t need, you will soon sell things you need” – Warren Buffett
While these are some of the high value returns that i get by spending during this Deepavali, there are also other set of Offers that you maybe interested in. To check all Diwali Offers this festive season, check out this link.
Shop to Save & burn less crackers to save the environment. Advance Diwali Wishes 🙂