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 .

 

[SonyTom]

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

QR scan also will get 1.67%.
Being a Rupay card, I don't carry it with me

 

[Jeevan rao]

For Bob Premier Rupay, in the last column you can add Lounge Access, Paytm BOGO, 2.5% on Dining/Travel and it is also being issued as LTF now... @TheGuy @wiizzard
also, as per BOB website the min spend criteria is 100 rs & not 200

 

[rajcasio]

Tata Neu Plus 1% and min spend 67

I'm holding(new user) TN+ card. Is the min spend 67 correct?
I utilised 50 INR using neu app but couldn't see any neu coins credited

 

[Visith]

For Bob Premier Rupay, in the last column you can add Lounge Access, Paytm BOGO, 2.5% on Dining/Travel and it is also being issued as LTF now... @TheGuy @wiizzard
also, as per BOB website the min spend criteria is 100 rs & not 200
View attachment 72033

Would the UPI transactions on dining and travel MCCs give 2.5% as well?

Edit: got it, its only 0.5% from the table 👍

 

[Pissant]

@TheGuy

Axis Neo - 0.5%
Minimum - 200
LTF
Points Used for Gift Vouchers


I would have edited myself but am on mobile rn and am having trouble with the table

 

[TheGuy]

Spoiler: Quoted Text

----------

@TheGuy

Axis Neo - 0.5%
Minimum - 200
LTF
Points Used for Gift Vouchers


I would have edited myself but am on mobile rn and am having trouble with the table

@Pissant Thank you! Updated and linked your comment.
----
Personally Curious-
1. Any redemption fees?
2. You use Neo!?

 

[Pissant]

Spoiler: Quoted Text

----------

Thank you! Updated and linked your comment.
----
Personally Curious-
1. Any redemption fees?
2. You use Neo!?

118INR in redemption fees
Yes I use Neo since it is free. I don't really do much UPI spends anyway so the primary use for it is to clean up my bank statement and 48 days of interest free period on UPI Spends which is cool. Also can become fairly rewarding when combined with DC's that give RP on CC payments.

 

[TheGuy]

primary use for it is to clean up my bank statement and 48 days of interest free period on UPI Spends which is cool. Also can become fairly rewarding when combined with DC's that give RP on CC payments.

valuable insight. 👍🏼️
i was a puzzled as I remember you having best of best CC. So, I was thinking TNI or Amex- Wallet or Kotak Myntra etc based on spends of top tier cards.

 

[Pissant]

valuable insight. 👍🏼️
i was a puzzled as I remember you having best of best CC. So, I was thinking TNI or Amex- Wallet or Kotak Myntra etc based on spends of top tier cards.

I guess I do have TNI now. Not delivered yet but if I decide to keep it I will switch over. Amex-Wallet is also utilized but some months I require more than 1k at which point I switch to Neo.