Best Rupay credit cards

[hellowo₹ld]

Card Name	UPI/Regular Rewards	Accelarated Benefits	Additional Benefits	UPI App
Axis MyZone RuPay Credit Card	-	-	24% Swiggy Food B1G1 (upto 200) District*	-
Airtel Axis Bank RuPay Credit Card	1% UPI	Airtel Axis 7% Utility Bills, 25% Airtel Bills	10% Swiggy, Zomato, BB	Any app
Axis NEO RuPay Credit Card	-	5% Utility Bills	24% Zomato Food	-
SNAPDEAL RuPay BOBCARD	1% UPI	-	-	Any app
Tata Neu Plus HDFC Bank Credit Card	1% UPI	2% Tata Brands 5% Tataneu App Spends	-	Tataneu App
HDFC MoneyBack+ RuPay Credit Card	-	3.33% FK, BB, Swiggy 5% Smartbuy	1% Quarterly Milestone	-
BOBCARD Eterna RuPay Credit Card	-	3.75% Online Shopping	B1G1 (upto 250) District*	-
Tata Neu Infinity HDFC Bank Credit Card	1.5% UPI	5% Tata Brands 5% Tataneu App Spends	-	Tataneu App
BOBCARD Tiara RuPay Credit Card	-	3.75% Online Shopping	Rupay Select Credit Card	-
YES BANK Reserv Credit Card	-	YES Reserv 0.9%-6%	25% BMS	-
Millennia RuPay HDFC Credit Card	1% UPI	5% Amazon, FK, BB, Swiggy 5% Smartbuy	1% Quarterly Milestone	-
PhonePe Select Black SBI Credit Card	1% UPI	10% PhonePe Bills 5% Online Spends	-	PhonePe App
HSBC Rupay Cashback	1% UPI	10% Grocery, Food	-	Any App
Uni GoldX	1% UPI	-	-	Any App

 

[Ak Singh]

Take sbi simplysave rupay.
It is also good for grocery spends.

 

[Hemang]

As far as I know, it's 0.40% for Coral. Do not know if they have changed anything in between.

Bhai ICICI 0.50% hai reward rate koi bhi card ho humare pas. Indusind Platinum is 0.70%.

 

[Beyond]

• Tata Neu: Unreliable app outside, struggles to open, inconvenient RP split between HDFC and their platform, and requires using their app only and if any issues have to check support here and there.

@Abhishek012

Blasphemy! Tata App works fine 😉

 

[hellowo₹ld]

Take sbi simplysave rupay.
It is also good for grocery spends.

grocery very limited mcc, if missed then its 0.17% from 1.6% (not sure whther rupay spends included 10x or not).

 

[hellowo₹ld]

Blasphemy! Tata App works fine 😉

it works for me with broadband only. Mobile network, it struggles and in that working time also 50% card option wont work.

same merchant, same QR works with credit card on other apps.

 

[hitirfan]

ICICI Coral Rupay or Sapphiro Rupay whichever you are getting as LTF. I have linked it to UPI and every transaction above Rs. 50 has earned reward points atleast @2%

Coral Rupay gives 2 RP on ₹100, value of 1 RP is just ₹0.25

 

[hellowo₹ld]

Coral Rupay gives 2 RP on ₹100, value of 1 RP is just ₹0.25

same for coral, platinu, rubyx, sapphiro: no changes.. consistence in ICICI. Unless someone find a way to redeem 1 RP = 1rs. which I would very much like to know.

Post in thread 'Best Rupay credit cards'

Apr 3, 2025

ICICI Coral Rupay or Sapphiro Rupay whichever you are getting as LTF. I have linked it to UPI and every transaction above Rs. 50 has earned reward points atleast @2%

I'm serious 🙂 : )

Regular transactions on these cards provide 2RP per 100 = 0.5% (1RP=0.25p).

• hellowo₹ld

 

[S U D O]

ICICI Coral Rupay or Sapphiro Rupay whichever you are getting as LTF. I have linked it to UPI and every transaction above Rs. 50 has earned reward points atleast @2%

 

[S U D O]

@helloworld SBI BPCL Octane gives 10 RPs for dining, grocery and departmental stores
I have it in RuPay and I think I get 2.5% at department stores
Can someone confirm?

 

[panchabhut]

Indus Platinum Rupay, but only if you are willing to block 50K in Indie Acct

 

[hellowo₹ld]

Indus Platinum Rupay, but only if you are willing to block 50K in Indie Acct

0.7%. Looks good.

 

[hellowo₹ld]

@helloworld SBI BPCL Octane gives 10 RPs for dining, grocery and departmental stores
I have it in RuPay and I think I get 2.5% at department stores
Can someone confirm?

yes and very limited mcc, similar to simplysave. but if it works it provides 2.5% (not sure scan and pay reward rate though in sbi).

 

[panchabhut]

0.7%. Looks good.

When combined with Indie Megastar Acct, it becomes 2.7% (no guarantee how long the addl 2% will last)

 

[Random123]

When combined with Indie Megastar Acct, it becomes 2.7% (no guarantee how long the addl 2% will last)

Oh thanks can you share more details on megastar + rupay combo ? But already have 3 IndusInd cards so not sure if I can get rupay card too

 

[panchabhut]

Oh thanks can you share more details on megastar + rupay combo ? But already have 3 IndusInd cards so not sure if I can get rupay card too

Indus Plat Rupay is available on split limit basis for existing card holders. search forum for details. Details of Megastar acct also availble in other threads.

 

[SJM]

Looking for a RuPay card that meets the following requirements:

• Must work without a minimum spend of ₹2000
• Should have the same reward rate across different apps (not just the issuer’s app)
• Must earn reward points on grocery purchases and roadside eating places
• At least 1% reward rate or cashback

I haven't been tracking RuPay cards much lately, so if any fit these criteria, please let me know. Thanks in advance!

Special Thanks!

@Hemang : Axis Airtel Rupay (1% offline spends)
@2025 : AU InstaPay (1% on selected categories include eating places, grocery and pharmacy)

---

Note:

• Eterna: 0 points for 95% of my spending in these categories, same applies to Snapdeal
• Tata Neu: Unreliable app outside, struggles to open, inconvenient RP split between HDFC and their platform, and requires using their app only and if any issues have to check support here and there.

@Abhishek012

What is your issue with Tata Neu App? I use it everyday for all UPI transactions (CC enabled), never face any problems.

 

[SJM]

it works for me with broadband only. Mobile network, it struggles and in that working time also 50% card option wont work.

same merchant, same QR works with credit card on other apps.

Change your mobile. Works smoothly with mobile data always, every time. Works for all merchants and all amounts as well 😀

 

[SatyG]

Tata Neu app has been more stable of late. Almost all UPI transactions go through seamlessly, only downside is that the app is sometimes a bit slow.
Whenever the amount is less than 100, I switch to super.money app with the same Inifnity rupay card which has given me >0.5% on avg till now.

 

[Aeon-Nocturne]

I use Yes bank paisabazzar rupay 1.5% upi and airtel rupay 1%

 

[hellowo₹ld]

Anyone with HDFC UPI Rupay Credit Card...

- How do cashpoints split in Payzapp app? Because with card 1CP=0.25p and in Payzapp 1CP=1rs. how it differentiate two different denominations?