Help me choose a Rupay credit card

[Jeevan raoJeevan rao is verified member.]

I am exploring options to get a LTF Rupay credit card for upi spends with good rewards structure (bonus if it's a upi + fuel card). I am not much inclined towards Tata neu infinity because I'm not a user of any Tata brands. So, I won't be able to extract much value out of it. Also, there is a mobile number mismatch between my Aadhar & Banks so I am not able to apply for Yes KIWI.

I currently hold cards from HDFC, SBI, Axis & ICICI.

Currently, my options are:
1) Indusind Platinum (0.7%)
2) BOB Premier (0.5%)
3) PNB Rupay Select (0.5%)
4) HDFC Upi (0.5-0.75%)
5) Axis Neo (0.1%)

Please let me know the best option among these or suggest a card with its benefits.

Update: I have got BOB Premier Rupay LTF (0.5%), TATA Neu Infinity Rupay LTF (1.5%) & BOB Snapdeal Rupay LTF (1%) after this post.

 

[Channakya]

Option one is good .

If you’re okay to pay joining an annual fees

For fuel + UPI, you can apply for

Idfc power plus cc (500)
RBL extra Indian oil cc ( 1500 )

But you can extract the amount in the first month, whether it is Idfc or RBL. You can get those rewards as statement credit.

 

[_Mayank_]

PNB Select is one of the toughest to get. Having 11 Credit cards, a good CIBIL score, a great salary, and 18 years of Banking Relationship, still I was rejected twice. BOB Premier is a good card but TAT is 3 weeks to 2 months. You can try the Axis Neo or SBI BPCL Octane card.

 

[Jeevan raoJeevan rao is verified member.]

Option one is good .

If you’re okay to pay joining an annual fees

Thank you very much for your inputs.

one doubt, Indusind Platinum is LTF right?

 

[Jeevan raoJeevan rao is verified member.]

PNB Select is one of the toughest to get. Having 11 Credit cards, a good CIBIL score, a great salary, and 18 years of Banking Relationship, still I was rejected twice. BOB Premier is a good card but TAT is 3 weeks to 2 months. You can try the Axis Neo or SBI BPCL Octane card.

Thank you very much for your inputs🙏

 

[Channakya]

Thank you very much for your inputs.

one doubt, Indusind Platinum is LTF right?

In my case, it’s yes, because I got it with a legend credit card.

 

[Jeevan raoJeevan rao is verified member.]

In my case, it’s yes, because I got it with a legend credit card.

Currently it is showing ltf in their website. Looks to be a fairly rewarding card for upi

 

[Channakya]

Currently it is showing ltf in their website. Looks to be a fairly rewarding card for upi

Ok then you can take it , but if you get Tata Neu Cards it is better rewarding in the rupay variant.

 

[Jeevan raoJeevan rao is verified member.]

Ok then you can take it , but if you get Tata Neu Cards it is better rewarding in the rupay variant.

I'm not using any Tata brands, so not very keen on getting neu cards.
One query, is there any redemption charges for Indusind Platinum?

 

[Channakya]

I'm not using any Tata brands, so not very keen on getting neu cards.
One query, is there any redemption charges for Indusind Platinum?

yes 100+gst
118 in total ,

but tata neu is best among the rupay cards

 

[SnowLucifer]

I am exploring options to get a LTF Rupay credit card for upi spends with good rewards structure (bonus if it's a upi + fuel card). I am not much inclined towards Tata neu infinity because I'm not a user of any Tata brands. So, I won't be able to extract much value out of it. Also, there is a mobile number mismatch between my Aadhar & Banks so I am not able to apply for Yes KIWI.

I currently hold cards from HDFC, SBI, Axis & ICICI.

Currently, my options are:
1) Indusind Platinum (0.7%)
2) BOB Premier (0.5%)
3) PNB Rupay Select (0.5%)
4) HDFC Upi (0.5-0.75%)
5) Axis Neo (0.1%)

Please let me know the best option among these or suggest a card with its benefits.

You can apply for kiwi credit card (2-5% reward)
or can wait for superplus card to get launched

 

[HumorSimpson]

kiwi 🥝 2% CB + some extra random kiwis due to some ongoing offer

Spend 50K yearly ---> Get 3% CB
Spend 1L yearly ---> Get 4% CB
Spend 1.5L yearly ---> Get 5% CB

No non sense , extremely fast and get your CB instant.

 

[Jeevan raoJeevan rao is verified member.]

You can apply for kiwi credit card (2-5% reward)
or can wait for superplus card to get launched

kiwi 🥝 2% CB + some extra random kiwis due to some ongoing offer

Spend 50K yearly ---> Get 3% CB
Spend 1L yearly ---> Get 4% CB
Spend 1.5L yearly ---> Get 5% CB

No non sense , extremely fast and get your CB instant.

Thank you very much for the inputs. Unfortunately I'm having a issue with my Aadhar linked mobile number...so the application is getting rejected for Kiwi & also Indusind.

 

[Jeevan raoJeevan rao is verified member.]

yes 100+gst
118 in total ,

but tata neu is best among the rupay cards

Thank you very much for clarifying my queries

 

[JustMak]

I tried Kiwi. Can't get Yes bank CC, as it seems to be not serviceable in my area.

But they are offering free 1 year neon subscription, based on credit profile.

So if I link my savings account or existing HDFC Rupay CC, and pay using Kiwi app; would I still get cashback?

Any suggestion on some other high cashback Rupay credit card (OK to pay fee). I usually have large monthly spends or 50K+ for vendor payments (Rupay CC works, have checked). Need to be without merchant restrictions (not specific to dining, etc. like BoB Eterna).

 

[Jeevan raoJeevan rao is verified member.]

I tried Kiwi. Can't get Yes bank CC, as it seems to be not serviceable in my area.

But they are offering free 1 year neon subscription, based on credit profile.

So if I link my savings account or existing HDFC Rupay CC, and pay using Kiwi app; would I still get cashback?

Any suggestion on some other high cashback Rupay credit card (OK to pay fee). I usually have large monthly spends or 50K+ for vendor payments (Rupay CC works, have checked). Need to be without merchant restrictions (not specific to dining, etc. like BoB Eterna).

If you are okay with paying the fees, you can go for TATA Neu infinity. If you are not having any other HDFC card, you can also get it LTF (offer till Dec 31st)

 

[JustMak]

If you are okay with paying the fees, you can go for TATA Neu infinity. If you are not having any other HDFC card, you can also get it LTF (offer till Dec 31st)

Have 4 HDFC CCs, including BizBlack, Marriott (also Infinia approved and will be getting in couple of days), and their basic Rupay UPI card.

Also don't wish to be tied to neucoins for Tata app spends only. Need simple cashback, if possible.

OK to pay annual fee.

 

[JustMak]

kiwi 🥝 2% CB + some extra random kiwis due to some ongoing offer

Spend 50K yearly ---> Get 3% CB
Spend 1L yearly ---> Get 4% CB
Spend 1.5L yearly ---> Get 5% CB

No non sense , extremely fast and get your CB instant.

I tried Kiwi. Can't get Yes bank CC, as it seems to be not serviceable in my area.

But they are offering free 1 year neon subscription, based on credit profile.

So if I link my savings account or existing HDFC Rupay CC, and pay using Kiwi app; would I still get cashback?

 

[Syed Adil Abbas]

get AU BANK SPONT RUPAY CC it's good

Approval rate is HIGH NOW...!!!!

 

[HumorSimpson]

get AU BANK SPONT RUPAY CC it's good

Approval rate is HIGH NOW...!!!!

Its benefits ?