Rupay Credit Card

156°
Deal Newbie
dealooterz
Hello Dimers,
I currently have a ICICI Coral Rupay credit but it's reward structure is not good. I have monthly spends of ~10K through UPI so wanted to get a decent card
Can you all suggest some rupay cards with decent reward rates (LTF is best wink).
Also holding HDFC Millenia with 3.5L limit.
Thanks
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27 Comments  |  
12 Dimers
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Cool Cool
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Go for Axis kiwi. it gives flat 1%

Deal Newbie Deal Newbie
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Should I get it as a first Axis card (asking because people have adviced not to get first card as cobranded in case of HDFC/ICICI)

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Deal Cadet Deal Cadet
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Rupay UPI has low MDR charges. So keep your reward expectations low.
Meanwhile try Kotak Myntra.

Deal Newbie Deal Newbie
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Kotak Myntra isn't LTF and no rewards for txns <2K

Deal Newbie Deal Newbie
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go for tata neu plus card

Deal Cadet Deal Cadet
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It gives neu coins and then you are bound to spend them with tata only. 

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Deal Cadet Deal Cadet
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Jupiter edge csb rupay card

Deal Subedar Deal Subedar
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Only we can get this card if we have Jupiter bank account, so another lock in to a digital bank:) so hard to get it without their bank account

Deal Subedar Deal Subedar
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Since you are already holding HDFC Millenia with 3.5L limit. 


Try applying virtual HDFC RUPAY CC, its easy to get for you:) the reward is not that bad in HDFC Rupay cc

3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions. (Maximum of 500 Points can be earned in a calendar month)
2% Cashpoints on Utility spends (Maximum of 500 Points can be earned in a calendar month)
1% Cashpoints on other spends (Excluding Rent, Wallet loads, EMI, Fuel, Insurance Payments & Government categories) (Maximum of 500 Points can be earned in a calendar month)


1 CashPoint = ₹0.25

do your math and get it:)

Deal Newbie Deal Newbie
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Yeah been thinking of taking it for a while now, HDFC daily sends me tons of notifications to get this grimacing

Deal Subedar Deal Subedar
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You can try applying BOB Snapdeal rupay card which gives around 2.5% reward points on UPI i think, check it , its the best card for rupay for now:) try to get that

Deal Cadet Deal Cadet
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1% upto 125 only 

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Commentator Commentator
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kiwi
tata neu

Helpful Helpful
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Kotak Myntra (if txn above 2001)

Flat 1.25% cashback instant in statement.

Deal Newbie Deal Newbie
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Mostly in range 50-200 sweat_smile

Finance Mentor Finance Mentor
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Install tanateu app and check credit score for some months (2 atleast) regularly, this IPL season they may give out LTF neucards, try for the LTF infinity (shall be shown in app), as you already have 3.5L millennia, LTF infinity should trigger in 2 months...

Also don't be bothered about spending on tata platform, free money has some tnc always, buy groceries off your neucoins, best rupay card... holding LTF infinity and millennia (10yr) since last yr using same strategy as above...

Deal Newbie Deal Newbie
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Been checking credit score on their app since 5-6 months (though not regularly)

Currently it shows 0 Joining fee and 1500 renewal fee. If I do check eligibility they do a hard CIBIL enquiry which I want to avoid unless I am really going to apply...Screenshot20240403-172834
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