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Which Rupay Card to choose...

All the basic Rupay LTFs , some of them are virtual cards…are WASTE for any serious spender
I beg to differ, reward rate ~1.25% for that basic card of you spending >1.25L/6m. Moreover your komyn reward in upi only if txn>2k right?
Ps=comparing only kotak cards (not including others like neu infinity /bob sd), other comparable one is Mojo rupay 30p/reward point
 
Rewards should be generalized in usage. For example all reward points clubbed in one payback account and it can be used at any portal..
Most of the time reward points remain unutilised and then expire...
Just like all charging docks were changed to usb-c
 
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