Rupay Select Credit Card.

[Sandy213]

Which is the best Rupay Select Credit Card and why?

 

[pprakash11]

PNB Rupay Select

 

[Sandy213]

PNB Rupay Select

Thanks.

 

[Chiku]

PNB Rupay Select

Why?

 

[RupayMan]

Why?

Because LTF with a condition of 1 transaction every quarter is enough.

 

[Sandy213]

I personally prefer cards which give you higher returns rather than LTF. Most of the times, the rewards/rewards rate compensate for the annual fees.

 

[RupayMan]

I personally prefer cards which give you higher returns rather than LTF. Most of the times, the rewards/rewards rate compensate for the annual fees.

But this Rupay select cards most people get only for instant benefit rupay is providing instead of rewards, example like health voucher, gym membership..

 

[RupayMan]

I personally prefer cards which give you higher returns rather than LTF. Most of the times, the rewards/rewards rate compensate for the annual fees.

You cannot spend on single card if multiple annual fee cards are there with you, so LTF cards are better

 

[Sandy213]

You cannot spend on single card if multiple annual fee cards are there with you, so LTF cards are better

Valid point. I have 16 super premium and premium credit cards. Some of the premium cards like ICICI Sapphiro, IDFC First Wealth, etc are LTF. For Infinia, Eterna, Amex, etc, I get a fees reversal based on usage. I don't mind paying for Magnus, Vistara Infinite, SC Ultimate, etc for the features, rewards, etc. Paid or LTF cards depends on requirements and spending patterns.

 

[RupayMan]

Valid point. I have 16 super premium and premium credit cards. Some of the premium cards like ICICI Sapphiro, IDFC First Wealth, etc are LTF. For Infinia, Eterna, Amex, etc, I get a fees reversal based on usage. I don't mind paying for Magnus, Vistara Infinite, SC Ultimate, etc for the features, rewards, etc. Paid or LTF cards depends on requirements and spending patterns.

Yes it's upto individuals usage and capacity to pay annual fees, usage is very High then ppl don't mind getting paid cards if it's add value to their lifestyle