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

 

[hender]

neu coins can be redeemed on tata group online purchases including bigbasket, 1mg, air india express etc. entire neu coin balance can be used for single txn without any min/max limit

I see it in a slightly different way.

Tata Neu UPI rewards come in 2 ways -

• 1% in the neu app if you use Neu app for UPI scan. (you won't get this 1% if you use some other app)
• 0.5% in the card statement for the infinity card (irrespective of the app like gpay, amazonpay, neu, phonepe etc)

In the app side, I have seen that I get '1 neu coin earned' notification only when I scan something above Rs 60 or Rs 70. (That means your assumption of 67 could be right) [Also, this unlocks after 7 days of the UPI scan and is valid for 1 year]

In the card side, what I think is - add the total UPI spends in the month - and then multiply by 0.5% = you will see this as UPI rewards in the card statement.
(Here I am not sure if there is a minimum limit exist or not). It will appear as "NeuCoins_on_UPI_Acc" [This gets credited in bulk (along with other neu coins earned in the statement) after 3 days of the staetment generation date]

This time when I checked, my total UPI spends (excluding petrol) is Rs 10012 and the neu coins received is 44. So there is a small difference. It should be 50, but I got 44. That means there also there is a minimum spend. Since it is difficult to calculate, I left it. (not worth the time freaking for 10-20 Rs I felt)

In in the above case how he can use 44 neu coins, as a cash back or by purchasing something else ?

 

[cardio_guycardio_guy is verified member.]

Thanks.

Could you please check that statment again. But this time do txn wise (not together) in multiple of 200.

Let me know whether it coming close to 44. (200*44 = 8800, valid) My guess is remaining could be either below Rs. 200 or excess after Rs. 200 multiples.

You are giving me more work 😄🤣😊
I will do but need some time.
Most of my UPIs are 8 rs, 11 rs, 23 rs and so on..

 

[cardio_guycardio_guy is verified member.]

In in the above case how he can use 44 neu coins, as a cash back or by purchasing something else ?

Bro in neu card there is nothing called cashback or statement credit.
Everything comes as neu coins in the app.

Technically you can call it cashback but it is not really 'cash' coming back in the statement.
You can use neu coins instead of paying cash in the app itself while buying something else.

 

[hender]

Bro in neu card there is nothing called cashback or statement credit.
Everything comes as neu coins in the app.

Technically you can call it cashback but it is not really 'cash' coming back in the statement.
You can use neu coins instead of paying cash in the app itself while buying something else.

Simply use "Ecosystem of Tata".

 

[raghumahajan]

I am monitoring Tata Neu very closely using an Excel sheet.
The statement credit formula I derived after months of data entry is =ROUND(IF(Amount< 33, 0, 0.5% * Amount),0)
It is rounding up to the zero decimal point transaction if the amount > 33.

For Neu coints in app, =IF(Mode= "neu app", ROUND(IF(Amt < 100, 0,1% * Amt),0),0)

 

[cardio_guycardio_guy is verified member.]

I am monitoring Tata Neu very closely using an Excel sheet.
The statement credit formula I derived after months of data entry is =ROUND(IF(Amount< 33, 0, 0.5% * Amount),0)
It is rounding up to the zero decimal point transaction if the amount > 33.

For Neu coints in app, =IF(Mode= "neu app", ROUND(IF(Amt < 100, 0,1% * Amt),0),0)

Excellent. Thanks. @2025

 

[2025]

I am monitoring Tata Neu very closely using an Excel sheet.
The statement credit formula I derived after months of data entry is =ROUND(IF(Amount< 33, 0, 0.5% * Amount),0)
It is rounding up to the zero decimal point transaction if the amount > 33.

For Neu coints in app, =IF(Mode= "neu app", ROUND(IF(Amt < 100, 0,1% * Amt),0),0)

I think that's what I said. I am not a programming guy. So can u please elaborate with some example in layman language. whether these txn will be getting neucoins? If yes how much?
like
1. Tata neu app taking example of 40, 50, 70, 80, 100, 120, 150, 180.

2. Same exercise for other apps with amount for example 60, 90, 130, 180, 230, 300, 400.

 

[hellowo₹ld]

I think that's what I said. I am not a programming guy. So can u please elaborate with some example in layman language. whether these txn will be getting neucoins? If yes how much?
like
1. Tata neu app taking example of 40, 50, 70, 80, 100, 120, 150, 180.

2. Same exercise for other apps with amount for example 60, 90, 130, 180, 230, 300, 400.

Earlier its 35rs when they provide whole 1.5% in hdfc statemetn, later when they moved to tataneu I stopped using due to app problems, but occasional usage with 1% credit, as follows..

as mentioned neucard is one of the rarest that do 'roundup' ..

- still one of the worst reward system by splitting 0.5% + 1% and this 1% is transaction date + 1 month instead of cumulative at month end like 0.5%.. poor design IMO...

anyway,

tataneu app (1%) // HDFC statement as usual 0.5%

150 -- 2 NC
120 -- 1 NC
730 -- 7 NC
79 -- 1 NC
197 -- 2 NC

 

[raghumahajan]

I think that's what I said. I am not a programming guy. So can u please elaborate with some example in layman language. whether these txn will be getting neucoins? If yes how much?
like
1. Tata neu app taking example of 40, 50, 70, 80, 100, 120, 150, 180.

2. Same exercise for other apps with amount for example 60, 90, 130, 180, 230, 300, 400.

Using Neu App cashback credit in statement:
40-> 0,
50 -> 0,
60->0,
70-> 0,
80->0,
90->0,
99->0,
100->1,
120,->1,
130->1,
150->1,
151->1,
180->1,
230->1,
299->1,
300->2,
400->2

Not used other apps, but it must be using the same logic

Due to rounding, the actual cashback is way less sometimes and way up sometimes.
Example: Rs 99 gives 0% cashback, but Rs 100 gives 1% cashback.

Attaching sample I derived from my statement:

 

[hender]

Using Neu App cashback credit in statement:
40-> 0,
50 -> 0,
60->0,
70-> 0,
80->0,
90->0,
99->0,
100->1,
120,->1,
130->1,
150->1,
151->1,
180->1,
230->1,
299->1,
300->2,
400->2

Not used other apps, but it must be using the same logic

Due to rounding, the actual cashback is way less sometimes and way up sometimes.
Example: Rs 99 gives 0% cashback, but Rs 100 gives 1% cashback.

Attaching sample I derived from my statement:
View attachment 97689

NOT so lucrative TNI.
But thank you, for in-depth analysis and sharing with data.

 

[2025]

Earlier its 35rs when they provide whole 1.5% in hdfc statemetn, later when they moved to tataneu I stopped using due to app problems, but occasional usage with 1% credit, as follows..

as mentioned neucard is one of the rarest that do 'roundup' ..

- still one of the worst reward system by splitting 0.5% + 1% and this 1% is transaction date + 1 month instead of cumulative at month end like 0.5%.. poor design IMO...

anyway,

tataneu app (1%) // HDFC statement as usual 0.5%

150 -- 2 NC
120 -- 1 NC
730 -- 7 NC
79 -- 1 NC
197 -- 2 NC

Using Neu App cashback credit in statement:
40-> 0,
50 -> 0,
60->0,
70-> 0,
80->0,
90->0,
99->0,
100->1,
120,->1,
130->1,
150->1,
151->1,
180->1,
230->1,
299->1,
300->2,
400->2

Not used other apps, but it must be using the same logic

Due to rounding, the actual cashback is way less sometimes and way up sometimes.
Example: Rs 99 gives 0% cashback, but Rs 100 gives 1% cashback.

Attaching sample I derived from my statement:
View attachment 97689

Excellent buddy. Thanks. From the list u shared I can infer following major points.

1. Statement cashback (0.5%) starts from 100 and then upward rounding off considering 1st decimal point. 100+ = 1, 300+ = 2. 500+ = 3.

2. Direct credit at neu app (1.0%) starts from 67 (?), but counted as upward rounding off with first decimal point into consideration. 67+ = 1, 150+ = 2, 250+ = 3, 350+ = 4, 450+ = 5.

So net, net, (starting point)
67(?) = 1
100 = 2
150 = 3
250 = 4
300 = 5
350 = 6
450 = 7
500 = 8
550 = 9
650 = 10
700 = 11
750 = 12
850 = 13
900 = 14
950 = 15
1050 = 16
1100 = 17
1150 = 18
1250 = 19
1300 = 20

A little bit further refinement is needed particularly at the lower end.

For non tneu app it is straightforward.
100 = 1
300 = 2
500 = 3
700 = 4
and so on....

Also read this: https://www.technofino.in/community/threads/suggest-rupay-credit-card.39715/post-1021958

cc @cardio_guy @fradela @hender

 

[hender]

Excellent buddy. Thanks. From the list u shared I can infer following major points.

1. Statement cashback (0.5%) starts from 100 and then upward rounding off considering 1st decimal point. 100+ = 1, 300+ = 2. 500+ = 3.

2. Direct credit at neu app (1.0%) starts from 67 (?), but counted as upward rounding off with first decimal point into consideration. 67+ = 1, 150+ = 2, 250+ = 3, 350+ = 4, 450+ = 5.

So net, net, (starting point)
67(?) = 1
100 = 2
150 = 3
250 = 4
300 = 5
350 = 6
450 = 7
500 = 8
550 = 9
650 = 10
700 = 11
750 = 12
850 = 13
900 = 14
950 = 15
1050 = 16
1100 = 17
1150 = 18
1250 = 19
1300 = 20

A little bit further refinement is needed particularly at the lower end.

For non tneu app it is straightforward.
100 = 1
300 = 2
500 = 3
700 = 4
and so on....

cc @cardio_guy @fradela @hender

1-If have CC as LTF ✅
2- Ready to use - Tata Neu App ✅
3-Heavy Usage, ✅,
it's worth, otherwise... it's Individual call.

 

[hellowo₹ld]

Using Neu App cashback credit in statement:
40-> 0,
50 -> 0,
60->0,
70-> 0,
80->0,
90->0,
99->0,
100->1,
120,->1,
130->1,
150->1,
151->1,
180->1,
230->1,
299->1,
300->2,
400->2

Not used other apps, but it must be using the same logic

Due to rounding, the actual cashback is way less sometimes and way up sometimes.
Example: Rs 99 gives 0% cashback, but Rs 100 gives 1% cashback.

Attaching sample I derived from my statement:
View attachment 97689

no, this is for other cards not tataneu.. its roundup.. check once again..

 

[2025]

no, this is for other cards not tataneu.. its roundup.. check once again..

He was referring that to statement credit part (0.5%) only. I have summarised it together based on the given input by you guys here: https://www.technofino.in/community/threads/suggest-rupay-credit-card.39715/post-1021586

In brief,
About 25% time returns are below 1.5%, like between 0-66(?), 134-149, 201-249, 401-449, 601-649, 801-849, and so on. (Start with values divisible by 200 till immediate next value divisible by 50)
Rest of the time (theoretically ~75% occasions) returns are above 1.5%, like between 67-133, 150-200, 250-400, 450-600, 650-800, and so on.

At lower end [excl. initial upto 66(?)] it is higher upto 2.0%, but at higher values they are very close to 1.5%. For example, 150 = 3 (2.0%), but 900 = 14 (1.56%). But, if the person do six separate txn of 150*6= 900 then he would get 18 (3*6= 18).

We only need some verification. And a bit more clarity at the starting point. It could be 51/67/75. (Ideally it should be 50 or 67, but @raghumahajan already stated at 50 he got 0), and you stated at 79 u got 1.

 

[raghumahajan]

no, this is for other cards not tataneu.. its roundup.. check once again..

For all amounts, formula will be same, I applied multiple combinations to match with total, rounding works for me. I can share excel template, people can input their bills and confirm their cashback. For last 3 months, it is working fine.

 

[hellowo₹ld]

any new rupay cards not specific to individual app launched which gives 1% or more?

 

[panchabhut]

any new rupay cards not specific to individual app launched which gives 1% or more?

HSBC rupay cashback (limit 400/mth)

 

[hellowo₹ld]

Summarized the thread based on rupay cards available in the Industry. Let me know if any suitable / valuable card missing in the list.

 

[sunit123]

Summarized the thread based on rupay cards available in the Industry. Let me know if any suitable / valuable card missing in the list.

Uni gold rupay cc...1% reward on UPI on actual amount not on multiples of 50/100..2% to 5% rewards on large no of vouchers..Use on any app....LTF

 

[hellowo₹ld]

Uni gold rupay cc...1% reward on UPI on actual amount not on multiples of 50/100..2% to 5% rewards on large no of vouchers..Use on any app....LTF

whats the reward with this card, seeing gold and can be redeemed for 24k, if that is then whats the redemption process?