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

 

[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

 

[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.