Tata Neu Infinity RuPay HDFC CC - No RP for Certain UPI Transactions

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sahil1033

The first statement of my Tata Neu Infinity RuPay HDFC CC recently generated and I can see I didn't get any reward point for UPI transaction at certain merchants, any idea why this happened?

From what I know, one should at least spend Rs. 34 to get 1 RP (1.5% of 34 = 0.51 which is rounded off to 1).

For the transactions I didn't get any RP, they were more than Rs. 34. Am I missing something here? If that's the case, kindly let me know so that I can avoid it in future.

Very Important :
 I'll be purchasing a two-wheeler using this CC via UPI. Two questions here - now that I didn't get cashback for certain merchants, am I likely to not earn any RP on this transaction too? Second question, the amount will be around Rs. 1.15 - 1.16 lacs, can I pay more than Rs. 1 lac in one transaction as I've heard now daily UPI limit is 2 lacs?

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Super Stud Super Stud
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Best way to make the payment would be to pay the booking amount as around 50k and rest amount afterwards. 

Make sure you pay the 2 amount in 2 different credit cycles so that you can get 750 on both the transactions. 

But do check if 750 points is per statement or per month and do accordingly. 

Deal Cadet Deal Cadet
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UPI reward limit is 500 or 750?

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Coupon Connoisseur Coupon Connoisseur
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The merchants which you didn't see RP's are those grocery mercants?

If so check there will be a additional section at the bottom which says base_grocery with cumulated reward points.

Generous Generous
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You're correct, seems like grocery merchant transactions are clubbed together for RP calculation.

Thanks everyone who gave their inputs.
Benevolent Benevolent
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Try to convince the dealer for credit card. The UPI reward points are not predictable as I too see for some payments are not rewarded and they are not groceries. 

Coupon Connoisseur Coupon Connoisseur
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could you share what types of payments didn't fetch RP's , so it can be avoided
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Deal Subedar Deal Subedar
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Bro for two-wheeler, just swipe your card directly as dealers are not charging extra 1.2 or % for RuPay cards.

Last month I swiped my RuPay infinity card at TVS without any extra charges 

Generous Generous
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Actually they've denied taking payment via CC and anyway purchase has to be made in another city and I'm currently in another city, so, will be relying UPI and hoping it fetches 1.5% Neu coins.

Deal Cadet Deal Cadet
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I have not received neucoins for following :

1. Bigbasket Gift card purchase

2. Credit card bill payment thru Payzapp

Generous Generous
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Update : I was able to pay for two-wheeler purchase of 1.18 lacs using 2 x RuPay CC on UPI.

Used Paytm and for some reason, only Rs. 50k in a single transaction was successful, higher amounts were failing. Did Rs. 1L payment by paying Rs. 50k twice from Tata Neu Infinity RuPay CC and rest ~18k using BoB RuPay Premier CC.

Statement is yet to be generated and suspense is still ON whether it will fetch 1.5% Neu coins or not but I'm hopeful, it should.

Deal Cadet Deal Cadet
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You got coins for this ? You paid via scanning QR ?

I COULDN'T EVEN MAKE 10k transaction by scanning merchant QR to be paid with tata neu rupay UPI.

Benevolent Benevolent
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@sahil1033 when is your statement date ?

Generous Generous
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1st of every moth
Generous Generous
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Another update :

Missed out on posting on time. Statement was generated on 1-Aug and I did receive 1,500 Neu coins for 1L transaction by scanning merchant UPI QR code.

Used Paytm for transaction, has the highest success rate in my case till date.

@prashanth.m1111757 Yes, paid via scanning QR and try Paytm app, by far has the highest success rate


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