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 .

 

[TheGuy]

Can someone add details for BoB Premier Rupay card?

It is already there. Look again- 0.5%.
List is ordered reward wise.

 

[Rdspam]

I think the new YES Reserv on rupay is a great card and potentially the most rewarding with a 3x or 5x plan

 

[anonymuos]

About the fuel cards - do ANY of them give accelerated or as advertised rewards via UPI (QR scanned at petrol pump) or only via swipe/Tap?

 

[TheGuy]

About the fuel cards - do ANY of them give accelerated or as advertised rewards via UPI (QR scanned at petrol pump) or only via swipe/Tap?

I can speak for IDFC- it doesn't.
And I think Axis (post March 2024) also doesn't.

Just curious- why not use CC at Petrol Pump?

 

[anonymuos]

I can speak for IDFC- it doesn't.
And I think Axis (post March 2024) also doesn't.

Just curious- why not use CC at Petrol Pump?

Have to remember to carry that particular one. If tokenized in GPay and tap works at petrol pumps for rewards, then that's a great alternative to UPI since via UPI, no proper rewards anyway on fuel. Does tap work at all BPCL, IOCL and HPCL pumps or it depends?

 

[TheGuy]

Does tap work at all BPCL, IOCL and HPCL pumps or it depends?

Tokenised tap should work. Try with smaller amount first. (₹400-500).

 

[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/

@OP or @TheGuy , you have still kept the cardmaven link. The article there gives wrong information (Eg. The article says to redeem the rewards, the cardholder has to be a passanger. It is not correct. Also, it says the reward points can be redeemed against statement at 1point = 30p. Again, this is wrong. One cannot redeem the reward points against the statement. Train ticket booking through SmartBuy is the only way.) At least just remove that link. Or if that cardmaven article is yours, then please correct it.

Also, a loose lower bound for transaction amount to get rewards on the IRCTC HDFC card is ₹38. I have received 0.38 reward points for ₹38 transaction. If I see reward points for even smaller transactions, then I will update.

One more point: I don't think it is fair to just add the remark 'Not Recommended' for the SBI IRCTC card. It could be more suitable card to people with certain use cases.

 

[Wealth is my birth right!]

Guys tata neu infinity rupay if we scan and pay petrol pump still we get 1.5%?
Not iocl or hpcl direct outlet i am asking private company agencies
TIA

 

[TheGuy]

you have still kept the cardmaven link

updated to your detailed post on TF itself.

Also, it says the reward points can be redeemed against statement at 1point = 30p

Removed Card Maven Link. So, now comment about SmartBuy Redemption is correct.

One more point: I don't think it is fair to just add the remark 'Not Recommended' for the SBI IRCTC card

Removed specific opinion.
Thank you for tagging me and the comment.

 

[TheGuy]

Guys tata neu infinity rupay if we scan and pay petrol pump still we get 1.5%?

No.

Per HDFC Website: NeuCoins will not accrue for Fuel Spends, Wallet loads and Smart EMI / Dial an EMI transaction. Rent and Govt are also excluded.

 

[Wealth is my birth right!]

No.

Per HDFC Website: NeuCoins will not accrue for Fuel Spends, Wallet loads and Smart EMI / Dial an EMI transaction. Rent and Govt are also excluded.

Agreed but I checked in app where i scanned a fuel guy for 4.8k but couldn’t find any extra surcharges
Rewards part its ok atleast found a way to avoid surcharge

 

[TheGuy]

Rewards part its ok atleast found a way to avoid surcharge

Again, per HDFC Website

1% fuel surcharge waiver at all fuel stations across India
(on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹500 per statement cycle).

You can try Indus Delight DC. It gives 5% on ANY fuel pump.

 

[Wealth is my birth right!]

Again, per HDFC Website

1% fuel surcharge waiver at all fuel stations across India
(on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹500 per statement cycle).

You can try Indus Delight DC. It gives 5% on ANY fuel pump.

Thanks for the suggestion
Yes thats why i didn’t scan above 5k on tata neu so far

 

[Sourabh_13]

@OP or @TheGuy , you have still kept the cardmaven link. The article there gives wrong information (Eg. The article says to redeem the rewards, the cardholder has to be a passanger. It is not correct. Also, it says the reward points can be redeemed against statement at 1point = 30p. Again, this is wrong. One cannot redeem the reward points against the statement. Train ticket booking through SmartBuy is the only way.) At least just remove that link. Or if that cardmaven article is yours, then please correct it.

Also, a loose lower bound for transaction amount to get rewards on the IRCTC HDFC card is ₹38. I have received 0.38 reward points for ₹38 transaction. If I see reward points for even smaller transactions, then I will update.

One more point: I don't think it is fair to just add the remark 'Not Recommended' for the SBI IRCTC card. It could be more suitable card to people with certain use cases.

@TheGuy For the HDFC IRCTC Card, I received 0.1 reward points for ₹10 transaction as well.

 

[TheGuy]

@TheGuy For the HDFC IRCTC Card, I received 0.1 reward points for ₹10 transaction as well.

Updated the same.
Is this considered core card or cobranded card? I.E. can i get this while having other HDFC CC?

 

[ᏰᏋᎥᏁᎶᎥᏁፈᎧᎶ]

Is this considered core card or cobranded card?

co-branded.

I.E. can i get this while having other HDFC CC?

why not? if approved tho

 

[Sourabh_13]

co-branded.

why not? if approved tho

No..HDFC Bank is a shitty bank.

Technically it is a co-branded card but for some weird reason, it is treated as a core card.

I am saying this based on following two experiences.

There are people holding core card who got rejected for this card with the reason 'you already hold a core card'

The similar thing happened with my friend who holds the IRCTC card. He applied for Millennia and got rejected with the same reason (this part is interesting...i know getting core card after a co-branded card is difficult. But look at the reason they gave) saying he already holds a core card.

 

[Sriim]

No..HDFC Bank is a shitty bank.

Technically it is a co-branded card but for some weird reason, it is treated as a core card.

I am saying this based on following two experiences.

There are people holding core card who got rejected for this card with the reason 'you already hold a core card'

The similar thing happened with my friend who holds the IRCTC card. He applied for Millennia and got rejected with the same reason (this part is interesting...i know getting core card after a co-branded card is difficult. But look at the reason they gave) saying he already holds a core card.

+1. My application for IRCTC was rejected as i already hold a core HDFC credit card. Same reason was given to me

 

[TheGuy]

@Sourabh_13 what are the options for (wrt HDFC IRCTC)-
1. Joining Fee welcome vouchers?
2. Quarterly milestone?
3. Any experience if they waive annual fee after year or two of usage.

TIA

 

[Harry1]

How about sbi miles elite card? 3% on UPI is not there?