Suggest Rupay credit card

[helloworld]

Looking for a RuPay card that meets the following requirements:

• Must work without a minimum spend of ₹2000
• Should have the same reward rate across different apps (not just the issuer’s app)
• Must earn reward points on grocery purchases and roadside eating places
• At least 1% reward rate or cashback

I haven't been tracking RuPay cards much lately, so if any fit these criteria, please let me know. Thanks in advance!

Special Thanks!

@Hemang : Axis Airtel Rupay (1% offline spends)
@2025 : AU InstaPay (1% on selected categories include eating places, grocery and pharmacy)

---

Note:

• Eterna: 0 points for 95% of my spending in these categories, same applies to Snapdeal
• Tata Neu: Unreliable app outside, struggles to open, inconvenient RP split between HDFC and their platform, and requires using their app only and if any issues have to check support here and there.

@Abhishek012

 

[Hemang]

Requirements:
- must work without min. 2000
- should be same reward rate using any app (not necessarily their app).
- must give reward points on grocery, on road eatable stalls.
- atleast 1% reward rate or cashback.

I'm not tracking much these cards but if any do let me know. TIA

@Abhishek012

Note:

Eterna: 0 points 95% for my spends on those categories, same will apply snapdeal.

Tatanue: Unreliable app outside with struggle to open, inconvenient RP split between HDFC and Their and have to use their app only.

without hassle to fir axis airtel rupay cc dekho bhai apke preapproved aa raha hai ya nahi. 1% without capping abhi ussi me hai.
Recently i even tried to switch my airtel axis mc variant to rupay, but i got this reply from axis bank.

Will try to switch in July 2025. Tab tak indusind rupay platinum at 0.70% is also good without any hassles.

 

[helloworld]

without hassle to fir axis airtel rupay cc dekho bhai apke preapproved aa raha hai ya nahi. 1% without capping abhi ussi me hai.
Recently i even tried to switch my airtel axis mc variant to rupay, but i got this reply from axis bank.
View attachment 89030
Will try to switch in July 2025. Tab tak indusind rupay platinum at 0.70% is also good without any hassles.

Yes, problem with airtl it has to be offered in rupay, 🪓 support not easy to provide card as per our required variant and saying same as you got the response.

Anyway, thanks! I forgot about this card in rupay, will check.

 

[2025]

Yes, problem with airtl it has to be offered in rupay, 🪓 support not easy to provide card as per our required variant and saying same as you got the response.

Anyway, thanks! I forgot about this card in rupay, will check.

Have u checked au rupay floater card for 1%. Or I think if u able to convert au lit to rupay then it would be best for u. Let me know after u find something useful on this.

 

[helloworld]

Have u checked au rupay floater card for 1%. Or I think if u able to convert au lit to rupay then it would be best for u. Let me know after u find something useful on this.

Checking.. it has 1% cashback on my required categories (eating places, grocery and pharmacy) and need min. 200. Have to find mcc list, whether they included everything in those categories or only limited. Will update. But thanks, its a good alternative option for now.

 

[Ra.One]

@helloworld
Dont know why you're discounting BOB SD Rupay as its only devaluation which was damaging was that no RPs are provided for transactions less than ₹100. Earlier they were.
Another underrated and mocked CC, but actually pretty decent is IndusInd Samman, but its for Govt employees only. 1% cashback on total spends. No minimum transaction nautanki.

I hold BoB SD
Indusind Platinum
Indusind Samman add on
Axis Airtel Rupay
SBI Octane Rupay for Grocery merchants

 

[Abhishek012]

Apply AU LIT RuPay CC or AU Zenith+ RuPay CC.

Same reward/cashback on UPI spend too.

 

[creditguru]

Looking for a RuPay card that meets the following requirements:

• Must work without a minimum spend of ₹2000
• Should have the same reward rate across different apps (not just the issuer’s app)
• Must earn reward points on grocery purchases and roadside eating places
• At least 1% reward rate or cashback

I haven't been tracking RuPay cards much lately, so if any fit these criteria, please let me know. Thanks in advance!

Special Thanks!

@Hemang : Axis Airtel Rupay (1% offline spends)
@2025 : AU InstaPay (1% on selected categories include eating places, grocery and pharmacy)

---

Note:

• Eterna: 0 points for 95% of my spending in these categories, same applies to Snapdeal
• Tata Neu: Unreliable app outside, struggles to open, inconvenient RP split between HDFC and their platform, and requires using their app only and if any issues have to check support here and there.

@Abhishek012

ICICI Coral Rupay or Sapphiro Rupay whichever you are getting as LTF. I have linked it to UPI and every transaction above Rs. 50 has earned reward points atleast @2%

 

[Abhishek012]

Those who have AU LIT RuPay CC and other AU Ultra Premium RuPay credit cards are enjoying 2% to 5% even through UPI.

 

[brightknight]

AU

Those who have AU LIT RuPay CC and other AU Ultra Premium RuPay credit cards are enjoying 2% to 5% even through UPI.

AU zenith h, any rupay from AU possible? also got declined for Kiwi & already have tata Infinity so looking for another Rupay rewarding acrd.

 

[Abhishek012]

AU

AU zenith h, any rupay from AU possible? also got declined for Kiwi & already have tata Infinity so looking for another Rupay rewarding acrd.

All, AU Credit Card now available on RuPay variant.

A

Thread 'AU LIT, Vetta, Zenith and AU Zenith+ Credit Card launched on RuPay Variant'

Sep 7, 2024

AU LIT, Vetta, Zenith and AU Zenith+ Credit Card launched on RuPay Variant:

AU Zenith RuPay Credit Card BIN - 653023910​

Source: https://in.bookmyshow.com/offers/au-zenith-credit-card-offer/AUCC1221​

AU Zenith+ RuPay Credit Card BIN - 653023912​

Source: https://in.bookmyshow.com/offers/au-zenith+-credit-card-offer/AUCC0923​

---

Here AU LIT RuPay Physical Credit Card Pic (RuPay Contactless symbol) and AU Vetta Credit Card also available on RuPay -

AU LIT RuPay CC pic shared by @Harsha896...

• Abhishek012
• au zenith credit card rupay rupay credit card zenith
• Replies: 89
• Forum: Credit Card - General

• 
• 
• 

 

[helloworld]

ICICI Coral Rupay or Sapphiro Rupay whichever you are getting as LTF. I have linked it to UPI and every transaction above Rs. 50 has earned reward points atleast @2%

I'm serious 🙂 : )

Regular transactions on these cards provide 2RP per 100 = 0.5% (1RP=0.25p).

 

[brightknight]

All, AU Credit Card now available on RuPay variant.

A

Thread 'AU LIT, Vetta, Zenith and AU Zenith+ Credit Card launched on RuPay Variant'

Sep 7, 2024

AU LIT, Vetta, Zenith and AU Zenith+ Credit Card launched on RuPay Variant:

AU Zenith RuPay Credit Card BIN - 653023910​

Source: https://in.bookmyshow.com/offers/au-zenith-credit-card-offer/AUCC1221​

AU Zenith+ RuPay Credit Card BIN - 653023912​

Source: https://in.bookmyshow.com/offers/au-zenith+-credit-card-offer/AUCC0923​

---

Here AU LIT RuPay Physical Credit Card Pic (RuPay Contactless symbol) and AU Vetta Credit Card also available on RuPay -

AU LIT RuPay CC pic shared by @Harsha896...

• Abhishek012
• au zenith credit card rupay rupay credit card zenith
• Replies: 89
• Forum: Credit Card - General

• 
• 
• 

so conversion possible? have visa Zenith

 

[2025]

AU

AU zenith h, any rupay from AU possible? also got declined for Kiwi & already have tata Infinity so looking for another Rupay rewarding acrd.

Rupay floater possible, reward will be 1%.
Don't believe @Abhishek012 blindly. He is partly incorrect.

 

[helloworld]

@helloworld
Dont know why you're discounting BOB SD Rupay as its only devaluation which was damaging was that no RPs are provided for transactions less than ₹100. Earlier they were.
Another underrated and mocked CC, but actually pretty decent is IndusInd Samman, but its for Govt employees only. 1% cashback on total spends. No minimum transaction nautanki.

I hold BoB SD
Indusind Platinum
Indusind Samman add on
Axis Airtel Rupay
SBI Octane Rupay for Grocery merchants

Snapdeal and Eterna (and all bob cards) - no reward points for grocery, food stalls mccs.

Let me know 2025 this working for these categories. Thanks!

 

[helloworld]

Apply AU LIT RuPay CC or AU Zenith+ RuPay CC.

Same reward/cashback on UPI spend too.

AU Zenith+ in Rupay? Will drop a mail to them.

 

[helloworld]

Those who have AU LIT RuPay CC and other AU Ultra Premium RuPay credit cards are enjoying 2% to 5% even through UPI.

zenith+ including milestone 2%, not sure about 5% unless you're referring hteir partnership with cred/paytm about utility payments.

 

[Abhishek012]

AU Zenith+ in Rupay? Will drop a mail to them.

All AU Bank Credit cards available on RuPay

AU bank not allowed card network conversion, only new users can apply RuPay network or old users can conversion during card renewable time.

but no harm to try.

A

Thread 'AU LIT, Vetta, Zenith and AU Zenith+ Credit Card launched on RuPay Variant'

Sep 7, 2024

AU LIT, Vetta, Zenith and AU Zenith+ Credit Card launched on RuPay Variant:

AU Zenith RuPay Credit Card BIN - 653023910​

Source: https://in.bookmyshow.com/offers/au-zenith-credit-card-offer/AUCC1221​

AU Zenith+ RuPay Credit Card BIN - 653023912​

Source: https://in.bookmyshow.com/offers/au-zenith+-credit-card-offer/AUCC0923​

---

Here AU LIT RuPay Physical Credit Card Pic (RuPay Contactless symbol) and AU Vetta Credit Card also available on RuPay -

AU LIT RuPay CC pic shared by @Harsha896...

• Abhishek012
• au zenith credit card rupay rupay credit card zenith
• Replies: 89
• Forum: Credit Card - General

• 
• 
• 

 

[Abhishek012]

ICICI Coral Rupay or Sapphiro Rupay whichever you are getting as LTF. I have linked it to UPI and every transaction above Rs. 50 has earned reward points atleast @2%

Do you get Sapphiro RuPay CC ?

 

[Hemang]

ICICI Coral Rupay or Sapphiro Rupay whichever you are getting as LTF. I have linked it to UPI and every transaction above Rs. 50 has earned reward points atleast @2%

2% kese bethega bhai reward % ?