Is it worth going for Tata Neu Rupay card FYF for paying thru UPI?
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I have a millennia card but I'm applying for Tata Neu Rupay card, just so I can pay thru UPI, but I'm only getting First Year Free (FYF) offer with shared credit limit. Should I still go for it? I'm thinking to cancel it before the next yearly renewal and get another Rupay card of another bank as there will be more options by that time.
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I don't think that it's worth getting Tata Neu card just for making upi purchases.
I hold money-back cc from HDFC and was facing similar dilemma to opt for Tata Neu or HDFC Rupay cc but I made sure of not giving into FOMO.
I have got a Neu Infinity card (Rupee) recently as LTF. I find it useful for purchases from Bigbasket and other Rupee offers. I am also using for UPI through Payzapp.
I suggest LTF would be ideal even though you may be able to get more savings than the fee based on your spends.
@romilq I already wait so long, don't want to wait more now. :/
@Aksh3213 You can get tata neu card while keeping another hdfc card, you don't need to replace it.
@abhishek012 I think amazon has closed that loophole and others are working on it. It won't work in the future for sure.
You can convert it to ltf by participating in the league offer and completing till finals (15k amount and 9 orders of 500 plus) this will give you ltf card if you dont hold, and will convert to ltf if you hold a paid card.
Neu card can be had as a secondary card... Also, UPI cb of 1.5% for infinity variant for common MCC upto 500/month is quite a good option for offline payments through merchant QR if received as LTF. (I did recently)
Already everyone earned 10k to 12k neu coins per month using UPI spend and also annual fee wavier after 1lakh/3lakhs spend via UPI.
Are you sure you are doing UPI linked payment ?
Some people are still enter full credit card number on payment page and complete the payment through otp.
And why bad experience ? you got your product na without any extra charges ? merchant earn more than 2.26%.
Win Win for both of you.
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If you wait 2-3 months after FYF offer you will get LTF offer. Same happened to me and my friend. Just keep checking Experian score through Tata Neu app.