Best credit card for daily UPI transactions - replacement of TATA Neu

[Orio]

Best credit card for daily UPI transactions - replacement of TATA Neu
After GPAY removed BHIM option and this month no neu coins for most of the transactions, need to replace HDFC TATA Neu to any other best UPI CC in terms of rewards.

Please suggest. TIA!!

 

[RAMESH BABU N]

So finally which was the card that can be used as an alternative to the UPI Payments ?

I am very happy with PNB Platinum RuPay. Used 50+ times in the last 2 months. Worked all times - on very first attempt - direct scans n thru apps like PhonePe, Paytm, Cred n Mobikwik and across the counter physically. LTF - if you do 1 trxn per quarter. I am not interested in RPs or other benefits... But on cash-free convenience. alone.

 

[SarPanch]

I am very happy with PNB Platinum RuPay. Used 50+ times in the last 2 months. Worked all times - on very first attempt - direct scans n thru apps like PhonePe, Paytm, Cred n Mobikwik and across the counter physically. LTF - if you do 1 trxn per quarter. I am not interested in RPs or other benefits... But on cash-free convenience. alone.

Sir Ji but My question was not from the perspective of smoothness but was basis on rewards. Has anyone tried BOB Snapdeal, whats the reward ratio on UPI payments.

 

[cc24x7]

Is the bob snap deal really worth it for UPI-only transactions?

 

[SarPanch]

Is the bob snap deal really worth it for UPI-only transactions?

Yes.
1% cashback on upi transaction

 

[cc24x7]

Yes.
1% cashback on upi transaction

Sir, I have PNB select (conditional LTF), ICICI Coral (LTF) and IDFC Power+(FYF) for UPI transactions, and my UPI spending is limited.

Tata Neu, I am not getting an LTF offer hence I dont have this card.

I am an existing BOB eterna card holder.
So I am in dual mind about whether I really go for the Snapdeal card or not. (I dont apply a card if it's not LTF unless there is a real benefit)

 

[SarPanch]

Sir, I have PNB select (conditional LTF), ICICI Coral (LTF) and IDFC Power+(FYF) for UPI transactions, and my UPI spending is limited.

Tata Neu, I am not getting an LTF offer hence I dont have this card.

I am an existing BOB eterna card holder.
So I am in dual mind about whether I really go for the Snapdeal card or not. (I dont apply a card if it's not LTF unless there is a real benefit)

I would recommend you to take Tata Neu if you are getting it, because infinity offers the best rewards on upi till date.
Else, Snapdeal BOB is for people like me who have surrendered their tata neu card and still want a best rewarded for upi transaction.



For now, the cards you mentioned, bob Snapdeal is straightforward card which remains chargeable but the beauty is that it allows cashback on wallet loads as well.

 

[cc24x7]

I would recommend you to take Tata Neu if you are getting it, because infinity offers the best rewards on upi till date.
Else, Snapdeal BOB is for people like me who have surrendered their tata neu card and still want a best rewarded for upi transaction.



For now, the cards you mentioned, bob Snapdeal is straightforward card which remains chargeable but the beauty is that it allows cashback on wallet loads as well.

Okay Thank you, Why did you close the Tata Neu card? (They are offering FYF not LTF)
My experience with HDFC is also not that great, I had regalia paid they refused to convert it into LTF I did ask for closure and they closed it without any retention. Now dont haven't had an HDFC card for the last 9 months 🙂 and I am not even trying to apply again unless I get the LTF option.

 

[CC Enthu]

You may go for kiwi credit card (powered by Axis) if you're okay with these exclusion from Reward. 1% instant cashback Directly to account.
View attachment 25678

They should make list of inclusion. That will be samller.

 

[R@J]

Anything more to add in that list. 🤣

Haan, next in list is "UPI SPENDS"
🤣🤣🤣

 

[rockking1994]

Get BoB snapdeal card simply no bullshit get 1% cb

 

[prc1990]

Get BoB snapdeal card simply no bullshit get 1% cb

Where does the cashback get credited to? Card itself?

 

[SarPanch]

Where does the cashback get credited to? Card itself?

Yes. The card itself

 

[SarPanch]

Okay Thank you, Why did you close the Tata Neu card? (They are offering FYF not LTF)
My experience with HDFC is also not that great, I had regalia paid they refused to convert it into LTF I did ask for closure and they closed it without any retention. Now dont haven't had an HDFC card for the last 9 months 🙂 and I am not even trying to apply again unless I get the LTF option.

Exactly, my experience is with HDFC isn't great as well. For them TATA NEU Cards are basic cards, hence I closed them all and took a Regalia Gold LTF through fresh application

 

[prc1990]

Get BoB snapdeal card simply no bullshit get 1% cb

1% cb for any UPI transaction upto 500 per month?

 

[VISHESH_BANSAL]

1% cb for any UPI transaction upto 500 per month?

1% upto 125.
Minimum Txn 100

 

[prc1990]

1% upto 125.
Minimum Txn 100

And wallet load pe bhi cashback milta and how much and capping?

 

[John Since]

1% upto 125.
Minimum Txn 100

Min transaction amount ka kahan likha hai? Couldn't find it

 

[VISHESH_BANSAL]

Min transaction amount ka kahan likha hai? Couldn't find it

In Tncs PDF

Below 100 Upi Txn, would not fetch any RP

 

[VISHESH_BANSAL]

And wallet load pe bhi cashback milta and how much and capping?

Woh toh Regular txn pe milega

As per website it is 2.5% upto 500

 

[steiner03]

I am very happy using PNB PLATINUM RUPAY CREDIT Card - almost free for life - need to do ONLY ONE transaction - per quarter.
Online application n VKYC - very smooth.
PNB Genie - their App - is too good.
No hesitation in recommending it. Did over 40 transactions in the first 40 days. Paid Income Tax thru that card.

The only issue I found with this is the bill payment. We can pay the bill with a my 3rd party app such as Cred. The payment has to be done in the PNB Genie app and the process is a bit long.