Help me choose a Rupay credit card

[Jeevan rao]

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.

 

[HumorSimpson]

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]

• 1% Cashback on all UPI transactions made via any UPI channel.
• 1% Cashback on all other transactions like eComm, POS & Contactless transactions.

Earn never-expiring coins with UPI transaction using your AU SPONT Credit Card.

• Earn 5 coins on each UPI transaction made on AU 0101 App.
• Earn 500 coins on first UPI transaction made on AU 0101 App.

• Save more on your commutes. Get 1% Fuel Surcharge Waiver for transactions between ₹400 and ₹5,000 at all fuel stations across the country (up to ₹100 per statement cycle).

• Unwind during your travel with 2 Complimentary access to Domestic Airport Lounges per quarter upon achieving Rs. 30,000 spends in previous quarter.
• 2 complimentary Railway lounge access per calendar quarter.

In an unfortunate event of loss of Credit Card, you carry zero liability on any fraudulent transactions made with card after reporting the loss to the bank.

Joining/Annual Fee: ₹299 + applicable taxes​

 

[JustMak]

• 1% Cashback on all UPI transactions made via any UPI channel.
• 1% Cashback on all other transactions like eComm, POS & Contactless transactions.

Earn never-expiring coins with UPI transaction using your AU SPONT Credit Card.

• Earn 5 coins on each UPI transaction made on AU 0101 App.
• Earn 500 coins on first UPI transaction made on AU 0101 App.
• Save more on your commutes. Get 1% Fuel Surcharge Waiver for transactions between ₹400 and ₹5,000 at all fuel stations across the country (up to ₹100 per statement cycle).

• Unwind during your travel with 2 Complimentary access to Domestic Airport Lounges per quarter upon achieving Rs. 30,000 spends in previous quarter.
• 2 complimentary Railway lounge access per calendar quarter.

In an unfortunate event of loss of Credit Card, you carry zero liability on any fraudulent transactions made with card after reporting the loss to the bank.

Joining/Annual Fee: ₹299 + applicable taxes​

Thanks for the suggestion.

What is diff between direct cashback and coins? In which scenario you get what, is it like cashback on GPay, etc. and coins on said AU app? And what is coin value if redeemed for cash, or better redemption options available? Best strategy for this card?

Your inputs on above will help. 🙏