Which Rupay card should I go for?

[agentbond]

I have been looking for a good Rupay credit card. As my UPI spends are not much I don't want a card with annual fees as I am already paying annual fees for the SBI CB card. Usually all my spends are done by credit cards so I just want a Rupay Card to pay on places which don't accept credit cards or ask for extra amount to use credit card.

I have 3 options after looking the rewards.
1. Axis KIWI (but they have stopped issuing new cards now)
2. IndusInd Rupay Card
3. ICICI Coral Rupay Card

I already have ICICI Platinum, Axis Flipkart and SBI CB card, ICICI is giving Coral LTF but it will have shared limit and my current ICICI limit is 1L and I don't want it to be shared as it can affect the utilisation ratio and IndusInd I have read that don't give more than 1 card so everyone suggests to get a card like Legend and then get a rupay card, but currently I have no use of that credit card.

Should I apply directly for IndusInd rupay card?
Or is there any news about Axis KIWI Card when they again going to start issuing new cards

 

[ankit ojha]

Take indusind legend or any card in visa or Mastercard variant of IndusInd bank as LTF, they will give u a floater rupay card ( bcs IndusInd generally give only one card)

 

[magnusfan]

Why is HDFC Tata Neu Infinity not in the list?

 

[atx]

In my opinion, ICICI is below avg and IndusInd is okay in general terms, but very good if you're interested in accumulating CV points.
Otherwise, take BOB Snapdeal.

It indeed has a fee, but its minimal and easily recoverable in practical terms. Some people have also got it LTF.

It has good 1% upto 125 on UPI, so UPI spends upto 12500 are covered, which is a fair limit imo.
On regular online Txns and offline grocery/departmental store purchases, you get 2.5%, which is not so bad either.

Check this amazing compilation for reference:

UPI Credit Card Reward Rates Compilation

Creating a compilation of reward rate of most UPI Cards available . Please collaborate and make it comprehensive Card NameReward RateMin Spend Max RewardsCommentsUnique HDFC Tata Neu Infinity1.5%Rs 33500 Neu coins /monthNeu coins to be used via TATA NEU app and Westside & Croma.5% on...

www.technofino.in

 

[SSV]

I have been looking for a good Rupay credit card. As my UPI spends are not much I don't want a card with annual fees as I am already paying annual fees for the SBI CB card. Usually all my spends are done by credit cards so I just want a Rupay Card to pay on places which don't accept credit cards or ask for extra amount to use credit card.

I have 3 options after looking the rewards.
1. Axis KIWI (but they have stopped issuing new cards now)
2. IndusInd Rupay Card
3. ICICI Coral Rupay Card

I already have ICICI Platinum, Axis Flipkart and SBI CB card, ICICI is giving Coral LTF but it will have shared limit and my current ICICI limit is 1L and I don't want it to be shared as it can affect the utilisation ratio and IndusInd I have read that don't give more than 1 card so everyone suggests to get a card like Legend and then get a rupay card, but currently I have no use of that credit card.

Should I apply directly for IndusInd rupay card?
Or is there any news about Axis KIWI Card when they again going to start issuing new cards

Not sure if it helps you.
A few of the top upi cards rn
1) Tata Neu
2) Kotak Myntra

 

[LimaT]

Jupiter Edge CSB is decent LTF card in my opinion. If you didn't get any LTF options. I choose shopping for 2% reward. Sometimes even for small paytm merchant it's giving 2%.

 

[sujayghosh]

my current ICICI limit is 1L and I don't want it to be shared as it can affect the utilisation

What is your utilisation ratio in ICICI card? Unlike IndusInd, ICICI Coral will share your entire credit limit of ICICI.

So, since you have 1L limit in other ICICI card, Coral will share that limit as well, but you can use total of 1L together. You won't even get a separate statement for Coral Rupay...

In case of IndusInd, if you have a Legand card with a limit of say 3L and you applied for Rupay, then they will allow you to allocate some limit for Rupay Card (upto max 1L). Then, you will have 2L for Legend and 1L for Rupay. So, that will affect the utilisation ratio for both cards. You'll get separate statement for both cards.

So, I would suggest getting for ICICI Coral as that will help you to use a flexible limit. Also, regular usage of ICICI card will ensure that you'll get quicker limit upgrade offer from ICICI.

Disc: I have all the three types of Rupay card you listed.

 

[agentbond]

Not sure if it helps you.
A few of the top upi cards rn
1) Tata Neu
2) Kotak Myntra

Both of them are not LTF credit cards

 

[agentbond]

Take indusind legend or any card in visa or Mastercard variant of IndusInd bank as LTF, they will give u a floater rupay card ( bcs IndusInd generally give only one card)

Yes that's my question is should I get any other IndusInd card because I have no use and mostly the IndusInd cards are not that rewarding.

 

[magnusfan]

Tata Neu is FYF... Too long a time to predict future - I am sure one will figure out something by then!

 

[agentbond]

Why is HDFC Tata Neu Infinity not in the list?

Because it is a paid card and I mostly don't use Tata services.

 

[VasukiVasuki is verified member.]

Both of them are not LTF credit cards

I like this attitude of getting everything ltf
Keep going boi

@SSV why suggest kotak 😂
They are banned 🚫

 

[SSV]

@SSV why suggest kotak 😂
They are banned

This is an informative post ,once ban is lifted the person can act.

 

[agentbond]

I like this attitude of getting everything ltf
Keep going boi

@SSV why suggest kotak 😂
They are banned 🚫

Hey man, I already have 2 paid cards, if I don't have much use of a thing and there are LTF alternatives available why I go for a paid one. It would be wrong if I am asking to get a paid thing for free.

I like your attitude of not reading the whole thing and ignorant attitude.
Keep going boi

 

[agentbond]

Tata Neu is FYF... Too long a time to predict future - I am sure one will figure out something by then!

Yes, but I don't use Tata services regularly. So the coins are of no use to me.

 

[VasukiVasuki is verified member.]

Hey man, I already have 2 paid cards, if I don't have much use of a thing and there are LTF alternatives available why I go for a paid one. It would be wrong if I am asking to get a paid thing for free.

I like your attitude of not reading the whole thing and ignorant attitude.
Keep going boi

@SSV gave you two best card
1 - kotak Myntra ( no one has it LTF before ban 3 year free offer ) best rewarding card above 2k

2- tata nei infinity/ plus - ltf are based on luck and negotiation
Tata app stopped giving ltf so its sole discretion of Hdfc now
It's best rewarding card above transaction of 34 rs







All other cards u can close it if you have these

 

[VasukiVasuki is verified member.]

This is an informative post ,once ban is lifted the person can act.

Once ban is lifted I want kotak white 🥲

 

[BeingIncogBeingIncog is verified member.]

Yes, but I don't use Tata services regularly. So the coins are of no use to me.

best rupay card is Jupiter Edge CSB, referral link is in my signature (viewed best on desktop version, can also dm for it)

 

[imdjay]

Once ban is lifted I want kotak white 🥲

and I white reserve. Actually I was about get it. and the same day this ban happened. 🙁

 

[VasukiVasuki is verified member.]

and I white reserve. Actually I was about get it. and the same day this ban happened. 🙁

They should come with a bang and give us

L.e and Upgrade.

I let go 3k or.more.reward and took mojo in visa instead of rupay 🥲
So better it be worth it