UPI Credit Card Reward Rates Compilation

Creating a compilation of reward rate of most UPI Cards available . Please collaborate and make it comprehensive

Card Name	Reward Rate	Min Spend	Max Rewards	Comments	Unique
HDFC Tata Neu Infinity	1.5%	Rs 33	500 Neu coins /month	Neu coins to be used via TATA NEU app and Westside & Croma.	5% on Tata Brands, Utility.
Kotak Myntra	1.25%	Rs 2000	NA	Rewards only above 2000. Milestone benefit of 2 PVR tickets (250 each) on 50k QTR spend. Statement Credit.	7.5% on Myntra. 5% on Preferred Merchants.
BOB SNAPDEAL	1%	Rs. 100	125	Statement Credit	Gives 2.5% upto Rs.833 on all Online Txns and Offline Grocery and Departmental Store Txns
AU Spont	1%	Rs 20	500		Small txn size is USP. Rail Lounge.
AU Ixigo	1%	Rs 200			Lounge Access
HDFC Tata Neu Plus	1.0%	Rs 33	500 Neu coins /month	Neu coins to be used via TATA NEU app and Westside & Croma.
HDFC IRCTC	1.0%	Rs 10	NA?	500 GV on 30k per qtr. Normal CashPoint to be used on SmartBuy Train booking.	Milestone
Paytm SBI card	1.0%	Rs 100	NA
Axis Kiwi	1.0%	Rs 50	1% of CL	Can be redeemed in bank account.	LTF
SBI IRCTC	0.8%	Rs 100	NA	Use for train booking on IRCTC.
Indus Platinum	0.70%	Rs 100	NA	2RP per 100. Can be redeemed for Club Vistara 1:1.	LTF
PNB Select	0.66%	Rs 150	NA	Statement Credit. Need 500 INR (1k points) minimum.	LTF*, Rupay Select Wellness.
Kotak League Platinum Rupay	0.66%	Rs150	NA		LTF
Yes Virtual Rupay Card	0.5%	Rs 2000	NA
ICICI Coral	0.5%	Rs 50	NA		LTF
Bob Premier Rupay	0.5%	Rs 200	NA	Statement Credit
Jupiter Edge CSB Rupay	0.4% to 2%	No minimum spend	Rs 3000 per month / 15000 jewels	Flat 2% cashback on category of choice between Travel, Shopping, and Dining (can switch once a quarter). 0.4% cashback on all other spends. UPI spends via Jupiter app only. Jewels to cash only via Jupiter account. Vouchers for rest.
Kotak IOCL		2% 0.5%	Rs.200 NA	Grocery and Dinning Others	4% upto Rs.300 for Card Swipe at IOCL Outlets.
IDFC Power+	0.5%	150	NA	4% on HPCL.	Fuel Card.
SBI BPCL Octane	0.25%	100	NA	6.25% on BPCL. 2.5% Dining, Departmental Stores, Grocery & Movies. 0.25% others.	Fuel Card.
HDFC MoneyBack Plus	0.30%	150	250	3.3% Preferred Merchants. 1.7% Merchant EMI. 0.3% Grocery and Retail. 500GV on 50k Qtrly Spend.	Milestone
SBI SimplySave Rupay	0.16%- 1.67%	100	NA?

Disclaimer: Please check official bank site before making any decision. If any discrepancy is found please do comment. I will update it.

Update Notes:
(28.05.2024)- Arranged serially. Keep it updated or tag @TheGuy .

 

[pinki]

@pinki can you change?

Mods edited already 👍

 

[Riya Sharma]

@pinki can you change?

i already changed it

 

[scn]

I think tata neu cards don't have any minimum spends. All eligible upi spends are consolidated at the end in statement and you get 1.5% of the total amount.

That is before 2nd May, 2024, They change this silently 😀, from calendar month to 2 days settlement of UPI transaction. neu coins are provided within 2 days of UPI transaction settled, so no more cumulative spends
Check there new PDF on hdfc site

 

[Sriim]

That is before 2nd May, 2024, They change this silently 😀, from calendar month to 2 days settlement of UPI transaction. neu coins are provided within 2 days of UPI transaction settled, so no more cumulative spends
Check there new PDF on hdfc site

Even then there were no cumulative spends. They just calculated separately, then added and provided as one amount. Doesnt mean it was cumulative. We were not getting cashback on spends less than 33rupees.

And i can also verify that UPI spends are settled immediately now. Till April statement (20th April), i used to get cashback for UPI transaction from March 21-31 only. For UPI transactions from April 1-April 20, used to get only in May statement. But surprisingly in May statement, i got cashback for transactions done between May 1-May 20 as well.

 

[SonyTom]

SBI SimplySave Rupay gives
--- 1.67% on Grocery, Department store, Dining, Movies.
---- 0.16% on all other spends.

 

[SonyTom]

Can someone please clarify if UPI on Rupay be used at Reliance Smart bazar, Super store etc. Got a Simplysave Rupay recently. Tried at some small local stores for UPI payment. But was declined. Maybe they have disabled UPI of Rupay. So have to try at some large store. That's why asking about Reliance Retail stores

 

[bigbyte]

Can someone please clarify if UPI on Rupay be used at Reliance Smart bazar, Super store etc. Got a Simplysave Rupay recently. Tried at some small local stores for UPI payment. But was declined. Maybe they have disabled UPI of Rupay. So have to try at some large store. That's why asking about Reliance Retail stores

In Reliance Retail Super store why do you want to pay via SimplySave UPI?
You can swipe card on POS and still get 10x i.e 1.67%.

 

[SonyTom]

In Reliance Retail Super store why do you want to pay via SimplySave UPI?
You can swipe card on POS and still get 10x i.e 1.67%.

There is Gpay offer

 

[bigbyte]

There is Gpay offer

Gpay is one time offer independent of any card/store for first time users only.

 

[SonyTom]

Gpay is one time offer independent of any card/store for first time users only.

Yes. This is my first Rupay card. Have not used the card on upi anywhere.
So it would be good if someone can confirm it UPI on Rupay works at Reliance stores

 

[pinki]

Yes. This is my first Rupay card. Have not used the card on upi anywhere.
So it would be good if someone can confirm it UPI on Rupay works at Reliance stores

Yes it works, i recently made a payment at a smart point.

 

[SonyTom]

Yes it works, i recently made a payment at a smart point.

Thanks bro .

 

[scn]

Even then there were no cumulative spends. They just calculated separately, then added and provided as one amount. Doesnt mean it was cumulative. We were not getting cashback on spends less than 33rupees.

And i can also verify that UPI spends are settled immediately now. Till April statement (20th April), i used to get cashback for UPI transaction from March 21-31 only. For UPI transactions from April 1-April 20, used to get only in May statement. But surprisingly in May statement, i got cashback for transactions done between May 1-May 20 as well.

It was cumulative before this change. My 80% transactions are below 30 Rs. If there is no consolidation, I should not get any rewards on that but rewards are shown exactly on total amount spend on UPI including 30 Rs spends. Already discussed these changes on separate thread few weeks back i.e https://technofino.in/community/thr...implifies-rewards-tracking.26483/#post-650052

 

[kshitij_0]

The Point is take HDFC Tata Neu infinity, Kotak Myntra and if you want Jupiter as well. Baaki sab bhul jao card bhi hai market me. I just use Kotak Myntra.

 

[Riya Sharma]

The Point is take HDFC Tata Neu infinity, Kotak Myntra and if you want Jupiter as well. Baaki sab bhul jao card bhi hai market me. I just use Kotak Myntra.

but doesn't the 2000 min payment kinda make myntra useless?

 

[kshitij_0]

but doesn't the 2000 min payment kinda make myntra useless?

That's it's drawback and USP ( for not getting devalued soon ). I mostly use for 2k+ only.

 

[Arosaurabh]

The Point is take HDFC Tata Neu infinity, Kotak Myntra and if you want Jupiter as well. Baaki sab bhul jao card bhi hai market me. I just use Kotak Myntra.

I like Indusind Rupay platinum after HDFC neu Infinity till i can convert that to CV points @2/Rs 100

 

[TheGuy]

HDFC Tata Neu Plus has minimum spend as 50, I guess.

 

[pinki]

HDFC Tata Neu Plus has minimum spend as 50, I guess.

No . .

 

[sahildca]

Tata Neu Infinity

1.5%

Rs33

500 Neu coins /month

Neu coins to be used via TATA NEU app

Tata Neu Plus

1.0%

Rs33

500 Neu coins /month

Neu coins to be used via TATA NEU app

Neu Coins can also be redeem in offline stores like Westside and Croma offline store by giving register mobile number on billing.