5% Cashback on Credit Card or Debit Card ?
I think you ask about credit cards because RuPay Select DC give better offers.
There are few RuPay credit card available and in future more RuPay credit cards coming soon, some cards already announced -
1) SBI Phonepe Select Black RuPay CC - 10% upto 2k cb on RC/Utility/Insurance/Fastag/Gv and other Phonepe app trxn + 5% upto 2k cb on other merchant spend + Milestone benefit + airport lounge
2) HDFC Ultimo Phonepe CC - 10% upto 1k on RC/Utility and 5% upto 1k + 5% upto 500 cb on other merchant
3) Indusind Cred RuPay CC - announced with 5% Cashback (i think soon card will live)
4) Union Bank Unicorn RuPay CC - 5% upto 2500 + 0.42% milestone benefit + lots of Free gift voucher etc benefit + lounge access
5) BOB Eterna RuPay CC - 3.75% + 1% extra on milestone = total 4.75% cashback
6) BOB Tiara RuPay CC - 3.75% + 1% extra on milestone = total 4.75% cashback + Lots of gift voucher etc benefit
7) HDFC Millennia RuPay CC - 5% Cashback on preferred merchant + 1% Milestone
8) HDFC Regalia Gold RuPay CC - 6.7% benefit (soon card will live, already announced)
9) Axis Magnus RuPay CC - Return rate kitne chal raha abhi ? Anyway you know that its ultra premium card (soon card will live, already announced).
10) SBI Octane RuPay CC - 6.25% on Fuel (Many people like this card for fuel purchase)
11) RBL IOCL Xtra RuPay CC - 7.5% on fuel (Many people like this card for fuel purchase)
12) HSBC RuPay Cashback Credit Card - 10% on selected category - If you think HSBC Live+ credit card is better then dude you can keep both cards and many people already have both cards (Live+ and RuPay Cashback).
13) Kiwi RuPay CC - 5% cashback on offline scan & pay
14) Airtel Axis RuPay CC - 25% cashback on airtel recharges, airtel DTH and 10% cb on Utility + 10% cb on Bigbasket, Swiggy, Zomato
15) Yes bank Paisasave RuPay CC - w.e.f 15th dec, 2025 - 6% cb on Dining and Travel transactions (some people actually like this card)
16) HDFC Infinia RuPay CC - 33% cb coming soon - already announced. soon card will live.
UPI is a separate feature. Offline UPI merchants are growing and online UPI is also accepted almost everywhere - around 99% online merchants accept it.
If you want you can also use a RuPay credit card for OTP-based card transactions.
It’s not like just because Visa exists, you don’t need any other network.
Having RuPay in India is also very important and good for competition.
Visa has spent billions of dollars just to brainwash Indians, so people don’t even realize that RuPay is also a card network and you can make card otp based payments and using it as well.
Just a few weeks ago, someone in my WhatsApp group was saying that he needed an Amazon gift voucher worth 40K through his Eterna Visa credit card to unlock airport lounge access.
He didn’t even need the Visa Infinite offer, that’s what he said.
When I suggested using RuPay instead & convert to RuPay, he replied exactly like you did — “CC UPI doesn’t work everywhere.”
That’s the thing—Visa has basically brainwashed people.
You could have bought that same Amazon GV through RuPay Eterna too, just using card OTP.
It takes time to get out of that brainwashing.
With Visa vs RuPay, If you think I’m saying all this and using the word “brainwash” just because it’s a US vs India thing, then let me tell you something interesting -
A few months ago, on the Desidime forum, we were talking about Intel vs AMD. Both are American companies but max people were commenting that Intel is the best. There were all kinds of drama just to prove Intel is better.
You know why? Because Intel spends billions to brainwash people. AMD’s processors and GPUs are better but Intel’s marketing team is the best.
The same way people need years to accept that AMD processors and GPUs are better than Intel, Visa users will also need time to accept that RuPay cards can also be used for OTP-based transactions and you get the same rewards.
There’s also the factor of habit -
Old age American people still use cash today because Visa/Mastercard existed since their teenage and young age and they couldn’t accept the change afterwards.
In the same way, some Visa users minds can’t accept the change that even with RuPay you can swipe and do OTP payments and still get the same rewards.
