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
Axis Neo	0.5%	Rs 200	NA	Edge Rewards- Points Used for Gift Vouchers	LTF
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 .

 

[devarshi84]

how are the reward rates on HDFC Regalia Rupay?

 

[TheGuy]

how are the reward rates on HDFC Regalia Rupay?

One word- Abysmal. HDFC Neu Infinity and IRCTC are better at 1.5 and 1%+ respectively.

 

[TheGuy]

No . .

@OverdosingOnCopium @pinki

66 INR or 33 INR?

 

[Pissant]

@OverdosingOnCopium @pinki

66 INR or 33 INR?

no idea tbh, cancelled mine last month for core card offer.

 

[TheGuy]

Axis iocl gives 1% 😁

Do explain? Per this 1% on online and 0.2% on Offline.

 

[Sourabh_13]

HDFC IRCTC Rewards must be redeemed for train ticket booking through SmartBuy

SBI IRCTC RuPay Platinum Credit Card base Reward Rate: 0.8% Redemption through IRCTC for train ticket booking

 

[Sourabh_13]

The article at the cardmaven link given in the main table for the HDFC IRCTC credit card lacks completeness and misses important details.

I suggest to include the following link instead: https://www.technofino.in/community...-irctc-vs-bob-irctc-rupay-credit-cards.24999/

 

[TheGuy]

The article at the cardmaven link given in the main table for the HDFC IRCTC credit card lacks completeness and misses important details.

I have added your comment as source. Added disclaimer to check official site before making any decision. Thanks for the comment.

 

[Trust Me]

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

???

Is any different from just 0.7% ?
.

 

[TheGuy]

Is any different from just 0.7% ?

Yes. It gives 2RP per 100. For cash each RP is 0.35. for CV each RP is 1CV. So 2CV per 100. 1CV is 0.6 to 0.8. So 1.2% to 1.6% yield. Card MAY carry redemption fee btw.

 

[pinki]

@OverdosingOnCopium @pinki

66 INR or 33 INR?

33 it is.

 

[TheGuy]

33 it is.

Gotcha . .

 

[Trust Me]

Yes. It gives 2RP per 100. For cash each RP is 0.35. for CV each RP is 1CV. So 2CV per 100. 1CV is 0.6 to 0.8. So 1.2% to 1.6% yield. Card MAY carry redemption fee btw.

What is CV ? Some kind of voucher? Useful always?

"MAY carry redemption fee" means what? If it does apply, that would be a problem, since it is kind of difficult these days to accumulate enough points on UPI Rupay cards quickly.

Does the statement credit also entail redemption fee?
.

 

[Pissant]

Are people still able to apply for Axis kiwi?

 

[Pissant]

What is CV ? Some kind of voucher? Useful always?

"MAY carry redemption fee" means what? If it does apply, that would be a problem, since it is kind of difficult these days to accumulate enough points on UPI Rupay cards quickly.

Does the statement credit also entail redemption fee?
.

CV = Club Vistara. They are airmiles for air travel.

 

[Vasuki]

Do explain? Per this 1% on online and 0.2% on Offline.

Now it's gone due to previlage card redemption option gone for multi brand voucher

 

[Trust Me]

CV = Club Vistara. They are airmiles for air travel.

Thanks.

Yeah, I am often rather unfamiliar with such abbreviations. But the actual expanded form does usually make sense enough, so further explanation may not always be necessary. 🙂
.

 

[scn]

@OverdosingOnCopium @pinki

66 INR or 33 INR?

Min.
33 for Tata Neu Infinity i.e 33 * 1.5% = 0.495 = Rounds to 0.50 = Rounds to 1 Neu coin
50 for Tata Neu Plus = 50 * 1% = 0.50 = Rounds to 1 Neu Coin

 

[jyothisthaliath]

Can someone add details for BoB Premier Rupay card?

 

[anonymuos]

This is a great effort by the TF community. Thanks to all those who contributed and commented.