Which of these cards I should go for for a rupay credit card?

[Joltpost]

I am looking into getting another rupay card and I can't help but get attracted to the Pop card somehow. In addition my spends are mostly online and some of them are done offline.

I already got the HSBC Live+ that covers up my dining spends but some merchents don't have visa card support so i tend to use either UPI lite for Navi, Pop or the Kiwi app with my Pixel Play Rupay card to get some Cashback.

Now I'm thinking of getting either one of these cards to make up for local spends that don't have the card machines. These include

1. HSBC Cashback Rupay card : Potential Decent combo for the HSBC Live+ incase I exceed the 10k spend limit as I can get additional 4k cap of 400 with this card.
2. Pop Card Rupay: The CB is rewarding from what I used in the Pop UPI so far. Although I have the Axis cashback card for my online spends( Will give a review of this card sometime) Might come in handy getting 1500 per month.
3. Kiwi credit card: This is the most demanding one and probably is the one a lot of you would recommend. Its tempting I can't deny it..but to maximize it I have to sub to the neon subscription and its base reward I'm told is 1.5 CB which even my HSBC Live+ can do that. Don't know how I can reach the milestone targets considering that I would be doing a lot of online spends on Axis Cashback.
4. Phonepe Ultimo : This is another good one that I'm thinking of as it reduces my utility spends by 1k max. Though the online spends isn't much handy since again I got the Axis Cashback one for that and UPI spends is just 1% which even my pixel play card does.

I am not interested in Axis Supermoney and Kredit pe ace ones because those two are very underwhelming interms of the CB rate and Supermoney service is bad as they didn't change my postpaid billing to Jio for whatever reason.

So based on this list what would y'all suggest?

Age : 33

Cibil : 791

Monthly income : 75k and employed

Spends : within 5-10k. 1-2k mostly done offline

Top five monthly spends: 1. Online 2. Food and groceries 3. Offline 4. Phone bill. 5. Travel cab

Preference : Cashback credited either card statement or bank account

Don't need lounge access and no other preferences

 

[praful1947]

I am looking into getting another rupay card and I can't help but get attracted to the Pop card somehow. In addition my spends are mostly online and some of them are done offline.

I already got the HSBC Live+ that covers up my dining spends but some merchents don't have visa card support so i tend to use either UPI lite for Navi, Pop or the Kiwi app with my Pixel Play Rupay card to get some Cashback.

Now I'm thinking of getting either one of these cards to make up for local spends that don't have the card machines. These include

1. HSBC Cashback Rupay card : Potential Decent combo for the HSBC Live+ incase I exceed the 10k spend limit as I can get additional 4k cap of 400 with this card.
2. Pop Card Rupay: The CB is rewarding from what I used in the Pop UPI so far. Although I have the Axis cashback card for my online spends( Will give a review of this card sometime) Might come in handy getting 1500 per month.
3. Kiwi credit card: This is the most demanding one and probably is the one a lot of you would recommend. Its tempting I can't deny it..but to maximize it I have to sub to the neon subscription and its base reward I'm told is 1.5 CB which even my HSBC Live+ can do that. Don't know how I can reach the milestone targets considering that I would be doing a lot of online spends on Axis Cashback.
4. Phonepe Ultimo : This is another good one that I'm thinking of as it reduces my utility spends by 1k max. Though the online spends isn't much handy since again I got the Axis Cashback one for that and UPI spends is just 1% which even my pixel play card does.

I am not interested in Axis Supermoney and Kredit pe ace ones because those two are very underwhelming interms of the CB rate and Supermoney service is bad as they didn't change my postpaid billing to Jio for whatever reason.

So based on this list what would y'all suggest?

Age : 33

Cibil : 791

Monthly income : 75k and employed

Spends : within 5-10k. 1-2k mostly done offline

Top five monthly spends: 1. Online 2. Food and groceries 3. Offline 4. Phone bill. 5. Travel cab

Preference : Cashback credited either card statement or bank account

Don't need lounge access and no other preferences

Axis supermoney money underwhelming.
How ?

Your spends are not high and you will get cashback in your statement directly.
3% through UPI and 1% for others .
What do you need other than this ?

 

[Joltpost]

Axis supermoney money underwhelming.
How ?

Your spends are not high and you will get cashback in your statement directly.
3% through UPI and 1% for others .
What do you need other than this ?

3% and 1% CB is too low for Supermoney and kredit pe.

I want something a bit better.

 

[praful1947]

3% and 1% CB is too low for Supermoney and kredit pe.

I want something a bit better

As of I know , 3% is highest in the market and 1% is lowest .

Kiwi offers 5% but it has certain t&c and it requires 1lakh spend or something and it also has subscription fee .

For low spenders supermoney is best

 

[Joltpost]

As of I know , 3% is highest in the market and 1% is lowest .

Kiwi offers 5% but it has certain t&c and it requires 1lakh spend or something and it also has subscription fee .

For low spenders supermoney is best

Ok...I'm a bit open to this idea but I would like to know why suggest supermoney axis instead of HSBC Cashback rupay or POP?

The HSBC one easily caps 400 while supermoney one requires 16k to max it.

I would like suggestions from others as I'm narrowing it down to either rupay cashback, pop card and supermoney axis

There is also the simplysave one but I'm not sure if SBI will approve my application.

 

[SureShot]

HSBC cashback gives 10% only on food, dining & groceries right? other than that it is 1.5 or 1% I am not sure. But if you get super pro card from super money, it gives flat 3% cashback irrespective of spend categories. Is there any rupay card which gives more than 3% without any ifs and buts?

 

[Joltpost]

HSBC cashback gives 10% only on food, dining & groceries right? other than that it is 1.5 or 1% I am not sure. But if you get super pro card from super money, it gives flat 3% cashback irrespective of spend categories. Is there any rupay card which gives more than 3% without any ifs and buts?

The rupay cashback gives 10% on food spends and 1% CB for upto 400 on both. Supermoney one...yeah it does give but how legit is it? Because it largely depends on how many MCCs are excluded.

Pop one gives 5% CB. Technoinfo made a video on it recommending it. I want to make sure that to those who have the pop card if it's worth going for. It's right now LFT.

 

[Joltpost]

The reason I'm hesitant on going for supermoney is because I need to spend roughly 16699 to cap the 500. the HSBC one is easier to cap since I need 4000 on food spends to cap the 400.

Pop is somewhere between. Unlimited 5% CB and the cashback is credited.

 

[praful1947]

The reason I'm hesitant on going for supermoney is because I need to spend roughly 16699 to cap the 500. the HSBC one is easier to cap since I need 4000 on food spends to cap the 400.

Pop is somewhere between. Unlimited 5% CB and the cashback is credited.

You need card for food and groceries or UPI spends ? Decide first...
Each card has unique benefits ..