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 .

 

[TheGuy]

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

Basis this (TF Post)- it should only be 1% on goddamn 5k fee card. Totally rubbish.

 

[Sourabh_13]

@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

1, 2. Voucher Options for both Joining benefit and Quarterly Milestone benefit: Amazon, Flipkart, Myntra, BookMyShow, ShoppersStop

3. No experience of getting an annual fee waiver.

 

[Harry1]

Basis this (TF Post)- it should only be 1% on goddamn 5k fee card. Totally rubbish.

3% on travel mcc not applicable on UPI spends?

 

[TheGuy]

3% on travel mcc not applicable on UPI spends?

it should be applicable. i have not researched about this card in detail. BUT travel shops will ideally take credit card.

like what is the least amount one needs to pay for trips... more than 2k. and at that point - it becomes mdr chargable and also the merchant will have revenue greater than 20L, which again makes whole txn (even less than 2k) chargeable.

 

[TheGuy]

1, 2. Voucher Options for both Joining benefit and Quarterly Milestone benefit: Amazon, Flipkart, Myntra, BookMyShow, ShoppersStop

3. No experience of getting an annual fee waiver.

Thank You !

 

[itzmycard]

AU spont has a limit of max ₹500

 

[Sriim]

Now that it's august 1 and only 0.5% gets credited to card account and remaining 1% gets credited directly to neu pass, i think the minimum transaction to get 1.5% rewards on Tata neu infinity card is Rs 100 (we'll get 2% on 100 spend, but that's because of rounding up)

0.5% of Any amount less than that won't fetch any cashback to card account

 

[vine]

Is it possible to add another column with redemption charges.
Many banks like ICICI, IDFC have added redemption charges ₹99+GST = ₹118
This directly affects the usefulness of rupay cards when we use it mostly for smaller UPI txns.
My ICICI Coral Rupay credit card needs spends of ₹23600 just to break even with the redemption charges of ₹118.

 

[Sriim]

The attached document says 0.25% is base reward on any upi and 0.75% on tata neu upi.

https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Credit%20Card/Credit%20Card%20Landing%20Page/Credit%20Cards/TATA%20Neu%20Plus%20HDFC%20Bank%20Credit%20Card/Additional-UPI-NeuCoins-Plus-new.pdf

Tata neu plus? It's 0.5 and 1 for infinity

So both base and special reward is in the form of neu coins?

Yes

 

[TechnoFi]

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 .

I request you kindly add AU InstaPay UPI RuPAY Virtual credit card to the above table.

 

[desiviru]

List should be updated now for PNB as they have reduced point value from 50 paise to 25 paise from Sep 1, 2024. So it is Rs.250 now. I am that lucky holder of PNB Rupay Platinum CC on LTF basis. Vaise bhi 1 txn every quarter= no fee.

 

[Harry1]

I request you kindly add AU InstaPay UPI RuPAY Virtual credit card to the above table.

Add the worst ever card with zero rewards 😔. (1% upto 100 on grocery via UPI)

 

[TechnoFi]

Add the worst ever card with zero rewards 😔. (1% upto 100 on grocery via UPI)

Sir it is atleast 1% in a particular category for day to day grocery spends. So I consider it good percentage for very small day to day grocery spends for those who doesn't have tata neu card for grocery purchases.

 

[vine]

Sir it is atleast 1% in a particular category for day to day grocery spends. So I consider it good percentage for very small day to day grocery spends for those who doesn't have tata neu card for grocery purchases.

How are 1% redeemed? To statement or points? Does it have any redemption charges?

 

[TechnoFi]

How are 1% redeemed? To statement or points? Does it have any redemption charges?

AU RuPay InstaPay Credit Card offers extensive cashback of 1% on selected merchant categories capped at INR 100 per statement cycle

The transactions should be made on the eligible MCCs pertaining to Departmental stores, Grocery store, Supermarket, Restaurants and eating places, and Pharmacy stores.

Direct statement credit and no redemption charges.

 

[card_enthusiast_123]

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 Rio YesBank CC is missing. 0.75% reward rate*, Rs. 50 minimum spend, no max spend.
*0.75% CB on UPI payments, 0.25% on non-UPI payments. 1% Fuel Surchage waiver. Rio Coins can be converted to cash and adjusted against the credit limit/monthly statement.

Link: https://rio.onelink.me/0D1Q/sdref

 

[ChurningNoob]

Time to add BOB Eterna to the list

 

[blew]

Time to add BOB Eterna to the list

What's the reward rate for eterna on UPI and any capping over UPI rewards?

 

[Harry1]

What's the reward rate for eterna on UPI and any capping over UPI rewards?

0.75% upto 125.

 

[anonymuos]

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

Is SimplySAVE's 1.67% for UPI Scan QR code also? Is that considered "offline" txn? Because at a certain department store I visit they don't accept tap or swipe. Also for some online grocery "pay on delivery" orders, they have merchant QR