Which rupay select is better? Bob premier, Pnb or union bank? Which is better for upi and other benefits like lounge? JCB or discover which is better?
@Abhishek012 @TechnoFino
First let me tell you, RuPay cards are currently not good for International lounge access, On paper you will see long lounge list but most banks are disabled International lounge access for RuPay cards.
Go for visa/mastercard/amex/diners club, if you want debit/credit card only for lounge access.
RuPay discover variant is good because this card BIN is fully integrate approx all Indian websites.
RuPay JCB variant currently accept all major websites except few like Mi, Emirates, jiopos, old payzapp app and few others and within next few years, i guess all websites in India will integrate RuPay JCB BIN.
for International travel, JCB has better acceptance compare with Discover/Diners club variant.
HDFC RuPay Regalia is best for UPI transactions because you will get rewards on UPI spend + milestone benefit also count (UPI transaction on wallets, paytm, mobikwik are not count under rewards point but i guess milestone benefit count)
2nd best is PNB RuPay Select Wellness CC for UPI and 3rd best is Union bank RuPay JCB Select Wellness CC for UPI.
Note - PNB and Union bank both are currently not live on rewards point for UPI spend.
I guess after April month - ICICI, SBI CARD, Axis bank and other HDFC cards will also live on CC link with UPI.
BOB RuPay Premier is only offer Golf benefit under RuPay Select program.