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Rio RuPay Credit Card Early Access (Rs250 Welcome Voucher & chance to win T20 match ticket)

Onboarding for closed user group is started
  • No Joining Fee
  • 3% Rio Coins on UPI transaction above Rs 50
  • 1% Rio Coins on non-UPI transaction above Rs 50
  • Zero First Year Membership Fee
  • Annual Renewal Membership Fee: ₹399+ applicable taxes, waived off on total retail spends of INR 1,20,000/- or more in previous year
  • Cashback is covered in spends on certain categories. Exclusion categories include Rentals, Wallet Payments, Utilities, Insurance and other services, Government Payments, Education, Fuel, etc. Subject to changes.
  • 4 Rio coins = ₹1


From this I can say that reward rate is 0.75% for Txn done in multiple of Rs.50
 
This or Yes Kiwi?
looks like yes kiwi is better in terms of better rewards on upi (1% + 1% kiwi neon) for now and LTF but virtual only card. Any thoughts on this?
 
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