Cardback Suggests: Gift Vouchers for ICICI NetBanking Customers who buy IPL Tickets from BookMyShow

It’s the last leg of the Indian Premier League (IPL) 2013 and the finals are scheduled for Sunday, May 26. Here’s the schedule for the remaining matches.

Now, if you’re planning to watch any of these matches live and have an account with ICICI Bank, we’ve found a few offers for you :)

Just buy the tickets for an IPL match from BookMyShow and pay for the tickets via ICICI NetBanking and you’ll be eligible for these offers:

1. A ₹1,000 gift voucher redeemable at Caratlane (valid on diamond and gemstone jewelery)
2. A ₹500 gift voucher redeemable at Sports365 (valid on bill amounts of ₹1,500 or more)
3. A ₹500 gift voucher redeemable at Sunglasses India (valid on bill amounts of ₹1,000 or more)

Valid till: May 31, 2013

Terms and Conditions: Payment of tickets should be done via NetBanking and should be purchased via bookmyshow.com

Cardback Suggests: Apple iPhone 4 Cashback, Zero Processing EMI and Old Phone Exchange / Buyback Offer for Students + American Express Credit Cards

Apple has tweaked their earlier buyback / old phone exchange offer, but this time in the favor of students. Now, whenever students buy a new iPhone 4 for themselves, they can exchange an old phone of theirs for ₹7,777 :)

Furthermore, if they make the payment using an American Express card, then they get eligible for a 10% cashback on their new iPhone along with a 6-month EMI scheme that comes with zero processing fee.

Valid till: June 10, 2013

Valid at: All Apple resellers, Croma, Jumbo Electronics, Planet M, Reliance Digital, Spice Hotspot, The Mobile Store

Terms and Conditions: Valid student ID required to avail this offer

Cardback Suggests: Gift Wisely on Mother’s Day using Credit / Debit Cards

(Image Source: http://webclipart.about.com/od/special/ss/Mothers-Day_5.htm)

 

Tomorrow (May 12, 2013) is Mother’s Day and if you’re planning to gift something to your mother on this occasion, here are some suggestions that you might find useful. And you’ll also save some money if you use the right cards to pay for them :)

Dining

If you wanna take your mom out for a meal on Mother’s Day, there are several places that offer discounts on different cards. You can use Cardback on your Android and see which ones offer discounts on your cards.

Flowers

1. Use your ICICI credit / debit card to get 20% off at fnp.com (Promo Code: FNPICICI20). Valid till June 30, 2013
2. Use your Kotak credit card to upto 15% off at local Ferns N Petals outlets. Valid till June 30, 2013

Apparel and Accessories

1. Rs. 500 off on Rs. 2,000 or more on Kotak credit cards at jabong.com. Promo code: KOTKV500SC. Valid till July 31, 2013. Not applicable on Puma, Nike, Adidas, and Casio
2. Rs. 300 off on Rs. 1,500 or more on Kotak credit cards at jabong.com. Promo code: KOTKV300HL. Valid till July 31, 2013
3. 15% off on Rs. 1000 or more on HDFC MasterCard and Maestro credit cards at myntra.com. SMS ‘MCI MNT10 <Email ID>’ to 56677. Valid till Mar 31, 2014
4. 10% off on Rs. 1000 or more on SBI credit cards at myntra.com. Promo code: SBI<1st 6 digits of card number>. Valid till May 31, 2013
5. 20% off at ladyblush.com on ICICI credit and debit cards. Promo code: MYMOMSPECIAL. Valid till May 31, 2013

Home Furnishings

If your mom loves decorating the house, you can get 15% off at fabfurnish.com on your ICICI credit or debit card by using the code ICICI15P till May 31, 2013.

iPad Mini

And finally, if you wish to turn your mom into an Internet savvy mom, or if she has been asking you to teach her how to use a computer for a long time, then you can gift her an iPad Mini :) And if you have a Citibank credit card, then you’ll get 10% cashback if you use that card to pay for the iPad. Valid till May 25, 2013.

So, what will you gift your mom this Mother’s Day? Let us know in the comments.

Cardback Suggests: Zero Processing Fee EMIs Still Available on Samsung Phones Under Own Now Scheme

If you couldn’t benefit from the Samsung Own Now cashback scheme last month, you’ve got a second chance in the form of zero percent interest EMIs and zero processing fee EMIs this entire month if you hold a credit card of any of these banks:

1. Axis Bank: 6 and 12-month EMI periods
2. Kotak Mahindra Bank: 6 and 12-month EMI periods
3. SBI: 6 and 12-month EMI periods
4. IndusInd Bank: 6 and 12-month EMI periods
5. HDFC Bank: 6 and 12-month EMI periods
6. Citibank: 6 and 9-month EMI periods
7. ICICI Bank: 6 and 12-month EMI periods
8. Standard Chartered: 6 and 12-month EMI periods

Validity: May 31, 2013

Valid on: Samsung Galaxy s4, Samsung Galaxy Note 2,  Samsung Grand Duos,  Samsung Galaxy s3,  Samsung Galaxy Note 510, Samsung Galaxy Note 800, Samsung Galaxy Tab 2, Samsung Galaxy Camera

Valid at: All major Samsung mobile retailers across India (inform the store staff about availing the offer before your card is swiped)

Cardback in April 2013 – Updates for our Friends

For those of you who are interested in knowing what we’ve been up to, here’s a public summary of what we did and achieved last month – April 2013:

1. We now have all dining offers in Delhi / NCR for these banks: ICICI, SBI, Kotak, Citibank, Amex, HDFC, StanChart. This amounts to around 650 venues in the city where Cardback shows at least one offer on cards issued by at least one of these banks.
   
2. We’ve upgraded our servers, so now those offers will come to you 2x to 3x times faster. Give it a spin :)
3. Our blog’s regional Alexa ranking for India has jumped up by 150,000 ranks in less than 10 days, and we’ve started getting hundreds of hits here on a daily basis. Thanks for all your support. Keep the love flowing. It’s heartening!

Addendum: For those of you who aren’t aware, we’ve been a partner of dineout for a while now. What this means is that, along with seeing offers on your cards at eating places in Delhi / NCR, you can also book tables at dineout partner restaurants, and get discount for that too – all from within our app.

Try us if you haven’t yet :)

Micromax – The New Troll King!

If you live in India, we’re sure you would have come across the Samsung own now offer at least once in the last two weeks. Its everywhere – on TV, on the Radio, in print media, on the web!

Come Apr 26, 2013 – Micromax has an answer to Samsung’s offer – a troll that ridicules EMI and cashback schemes on expensive phones by using this slogan – “Can Own Now Without EMI” (Notice how this is a play on the name of Samsung’s OWN NOW campaign)

Watch the actual ads and you’ll smile (or laugh) for sure :D

Samsung’s OWN NOW ad first:

Now watch Micromax’s Can Own Now Without EMIs Ad:

Also, if you look closely, Micromax’s canvas range of phones have an uncanny resemblance to Samsung’s Galaxy Note series, albeit with a much lesser price tag (under ₹15,000).

But Samsung is not the only biggie that Micromax has trolled. They’ve done this with Apple and their iPhone too in the past. See these print ads and how they’ve taken on the iPhone and its price!

Great marketing we must say!

But even if you can own a Micromax phone now, will you, instead of a Samsung Note or an iPhone to save on costs? Let us know in the comments :)

Cardback Suggests: What Exactly is Cashback?

A lot of people often ask us what exactly is cashback and whether it is the same as discount.

Especially as a result of the Samsung 15% cashback offer announced earlier this month, more people have started looking for an answer to this question. So, we decided put up the answer to this as a part of Cardback Suggests in QnA format, so that it can serve the larger interest of the card user community.

Q. Is cashback the same as discount?
A. No, cashback is not the same as discount. Discount is usually given instantaneously on-the-spot before a bill or invoice is generated, but cashback gets reflected in the monthly statement of a card as a credit to the person who holds the card.

Q. When is the cashback amount credited to a buyer?
A. As a part of a card’s monthly statement – usually at the end of each billing cycle.

Q. Who bears the cashback amount?
A. More often than not, the issuing bank

Q. Is cashback applicable on both credit as well as debit cards?
A. It could be. It completely depends on the issuing bank and the terms and conditions of the offer. Cashback is more popular on credit cards, but debit cards are not ruled out. In case of debit cards, the cashback would reflect in the bank statement, rather than the card’s statement.

Q. A simple example?
A. Suppose you have to buy a phone that is priced at  ₹10,000.  If you were entitled to a 15% discount on the phone, you would pay only 85% of its price which is ₹8,500 and your instantaneous discount would be ₹1,500. But in case of cashback, you would pay the full amount when you buy the phone. However, your bank will credit ₹1,500 to your credit card’s statement that is due after the purchase. Of course, you have to pay using the card who’s issuer is offering you the cashback.

Cardback Suggests: New Dining Offers for American Express Card Holders in Delhi / NCR

Great news for holders of American Express cards in Delhi / NCR!

We’ve added offers at 150+ premium restaurants in Delhi, Noida, Gurgaon and Faridabad that are valid on all American Express cards. Nothing’s gonna be less than 15% discount :)

To see which places these offers are valid at, use Cardback on your Android

Validity: Apr 30, 2013

Cardback Suggests: Lifecycle of an Offer – Difficulties and Hurdles in Redeeming Offers and Discounts

We live in a world of offers. But how many times are we able to successfully redeem an offer or a discount?

Here’s the lifecycle of a typical offer according to an analysis done by us:

1. We spot an offer in an email, SMS, app, website, pamphlet, newspaper, standee or hoarding
2. If we find it interesting or relevant, we try to save it for future reference
3. But we lose track of the offer, courtesy our busy life, or due to lack of appropriate tools
4. If we somehow manage to remember the offer and decide to use it, there’s a sudden change in plan, thanks to Murphy’s Law ;)
5. If Murphy was magically sleeping during (4), then we’re unable to pull out details of the offer when needed the most
6. If we manage to pull out the offer’s details, then the cashier or store staff who is supposed to honor it, will refuse to do so, rattling off one of several canned responses that have been mugged up in advance
7. We get fed up and tired, and pay at the original price
8. If the offer is able to survive (6), we might be able to redeem it :D

While we can’t do much about (4), there are a few mobile apps to take care of (2), (3) and (5) [Disclaimer: Cardback does that for credit, debit, prepaid and loyalty card related offers].

But for (6), you as the consumer of the offer should be aware and tactful. Stay tuned for a follow-up post that addresses this problem and ways to tackle it :)

Cardback Suggests: 15% Cashback – Samsung Galaxy Note 10.1, Galaxy S3, Galaxy Grand, Galaxy Note 2, Galaxy Camera on ICICI and Standard Chartered Credit Cards

Update [May 10, 2013]: The 15% cashback scheme is over now, but 0% interest and 0 processing EMI schemes are still being offered by India’s leading banks for Samsung phones all through May. Read this post for details.

Samsung has come up with a phenomenal way to boost the sale of its products in India. Now if you have an ICICI credit card or a Standard Chartered credit card, you can get any one of the following products at a 12-month instant EMI with zero down payment  and zero processing fee :)

1. Samsung Galaxy Note 10.1
2. Samsung Galaxy S3
3. Samsung Galaxy Grand
4. Samsung Galaxy Note 2
5. Samsung Galaxy Camera

Validity: Apr 30, 2013

Locations: All authorized Samsung stores in India, or check Cardback on Android