NeuCard UPI for Bike Payment / BharatQR etc.

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Finance Mentor
Agni007

Say, I tend to pay approx 1.5L for a bike and outlets should accept UPI (merchant). So, in 3 installments I pay using Rupay CC (neu infinity), effective CB should be 2250, right? (done within an hour using different UPI handles to reduce failures/limit cap)

What are the other options available considering I have the following cards : HDFC millennia, neu infinity, onecard, SBI SClick, CB

* BharatQR is considered online payment I guess... (and SBI cb card might give 5%) but dealer might back out or jack up prices through it, any real life experiences? What is the best app for BharatQR (if available with dealer)?

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Deal Cadet Deal Cadet
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Max CB for tata neu card upi is 500 per month

Commentator Commentator
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Any UPI Spends on Rupay Credit Card (Including partner Tata Brands) will fetch 1.5% back as NeuCoins (max of 500 NeuCoins per calendar month)

https://www.hdfcbank.com/content/bbp/repositori... 

Simply Click will give 1RP per 100 on offline so 1.5L will fetch only 1500 Rps and 1RP is 0.25 Re so final will be Rs.375

Neu Infinity will fetch 1.5% neu coins so for 1.5L it will Rs. 2250

SBI CB will fetch only 1% (offline) so Rs. 1500 but can help to achieve 2L spends for the year to save on 999+GST renewal fees

HDFC Millenia will also fetch 1% so Rs. 1500 but you can get a 1000 voucher for spending 1L in a quarter so 2500

No info on One Card and UPI as online for SBI CB card 5% as haven't tried it.. based on the above info, Millenia will be best  interms of CB when swiped offline and other card that I can think of is Axis ACE for flat 2% offline spends so Rs. 3000

Finance Mentor Finance Mentor
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Aware of that 500 cap (infact cited tnc myself) but @abhishek012 insisted still not implemented yet... @arundass007378 @dibo

Finance Ninja Finance Ninja
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SBI Cashback credit card give 5% cashback on Bharat QR, scan & pay payment. Many users already verified but personally not tried.

Its count under online payment.
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Deal Lieutenant Deal Lieutenant
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Daily upi limit is 1l i believe.  Probably wont be able to pay full amount same day. But yeah, 500 limit not implemented and getting full cashback till now

Community Angel Community Angel
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@Agnivo007  Scan and pay with SBI CB card. The dealer has no way to know which card you are using. If he is not charging extra for scanning go for it. Just make sure to spread it across 2 statements if possible as you are paying in installments as i understand. 1lac itself will fill the quota of 5k cashback. 

I have scanned and paid at apparel/medical stores and got 5%. 

PS - the scan feature of sbi card app is buggy, it sometimes shows that txn not allowed for 24 hours even when the app was installed since my previous birth 😉Add the card to gpay and then scan from it. 

Finance Mentor Finance Mentor
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@DEALSTER You mean scanning BharatQR using sbicard/gpay app?

Deal Cadet Deal Cadet
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Yes.. I even scanned the Bharat QR code in Gpay using SBI CB and got cashback ..

SBI card app may not work , so first add your SBI CB card in Gpay and then do the payment

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Deal Newbie Deal Newbie
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How can we use SBI CB credit card with scan pls explain

Community Angel Community Angel
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you can do this via the scan feature in the sbi card app or via normal scan and pay in gpay. For gpay you will need to add in you card beforehand like you add a bank account. The QR has to be bharat qr for credits cards to work, you will only get upi option in gpay and sbi app wont recognize the QR otherwise. Just try scanning and if credit card shows, you have got a bharat qr. 


@Agnivo007 doesn't matter which bank the bharat QR belongs to. I have used it on a payzapp bharat qr which was by hdfc at a medical store. 

Generous Generous
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Also note that the merchant should be under P2M category and not P2P.
Means if he as simply created his UPI for personal use and just added his saving account. Then You wont get option to pay using your credit card, you'll see only your bank accounts for payment.
If he has registered as business QR then only you'll get an option to choose your CC for payment to him. 
I paid yesterday, the limit is 1L/day. 

Deal Newbie Deal Newbie
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how to distinguish Bharat QR code?

Finance Mentor Finance Mentor
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Look for the "Bharat QR" Logo near the code...
Finance Mentor Finance Mentor
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* I can confirm BharatQR scan-n-pay using gPay and SBI CB card gives 5% * - tested this myself 2 days ago with a HDFC bank BharatQR+All-in-one UPI QR desk-card at a big grocery store. Excluded MCCs will not give CB as usual...

Deal Cadet Deal Cadet
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So what happened? Which bike did you get?

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