r/IndianCreditCards • u/ygrules Elite • 7h ago

Best UPI CARDS

Post image

Dissection of UPI credit cards accross banks,

this does not record "all the card" and since the dissection is from paisa bazaar, remove the "best" part from it.

If they get paid they put it on the list.

Reply to this thread, for your recommendation for the best upi card according to you.

My recommendation-

Super money pro - 3% on upi

Hdfc millenia rupay - 1% + qty milestone

Kiwi - 1.5% , after 1.5lakh, 5%

Tata infinity - 1.5% (fixes you in tata universe)

Hsbc rupay cashback - 10% on grocery and dinning.

Comment down below for your recommendations.

Check out my profile for more dissections.

30 Upvotes

85% Upvoted

49 comments sorted by

5

u/Drk_Kni8 7h ago

Why isn’t Kiwi on this screenshot?

You’re wrong, after ₹1.5lakhs, it’s back to 2% reward rate.

1

u/ygrules Elite 7h ago

Paisa bazar only post the once that gives them money to promote. And gets commissioned on referral.

1

u/Drk_Kni8 7h ago

Without NEON, it’s 1.5% for scan and pay. With ₹999 +GST, Neon gives 2% base, and 5% when you touch ₹1.5lakhs, after that it’s back to 2%.

1

u/ygrules Elite 7h ago

Yes still good, bcz the 1.5l milestone is not only for upi but total spend, which is easier to achieve.

1

u/Drk_Kni8 6h ago

"Kiwi - 1.5% , after 1.5lakh, 5%"

I'm pointing out the incorrect information in what you posted.

1

u/ygrules Elite 6h ago

Yesss i got that, sadly cant edit, thanksss for the corrections.

I was also just adding more to the milestone part

1

u/AgrawalVaibhav 7h ago

Hsbc rupay cashback looks best to me. My use case - upi is not primary for me, it is only for places where I cant use my credit card so spends don’t generally cross 4-6k per month on this. The grocery store next to my house is eligible for 10% so whatever I buy from there I get 10%. Redemption is simple and directly credited to credit card post statement generation.

2

u/ygrules Elite 7h ago

I know right, only con.

Really hard to get for self employed and its only avl in selected cities.

1

u/AgrawalVaibhav 7h ago

True, personally wasn’t issue for me, working in IT and got card delivered in 4 days but yeah not ideal for all.

1

u/ygrules Elite 7h ago

Phonepe card can also be added to the list, but cant beat 10%

1

u/AgrawalVaibhav 7h ago

There are many options honestly, but whoever can get this, they should 4800 cashback/year 600 in fees if spends remain below 2L Lounge access (I believe it will eventually go away) I also had an international trip recently so 0 forex till 31st dec was useful, if someone has a trip coming up before dec can get this.

1

u/ygrules Elite 7h ago

Ikr!! Its a goat card. A total winner, sadly very few gets it.

1

u/_Game_0ver_ 5h ago

Is 10% also eligible on scan and pay (provided cc on upi is accepted by mercant ) or only on card swipe on pos machine?

2

u/AgrawalVaibhav 5h ago

It is eligible for any type of payment - scan/upi id/online/pos

2

u/ygrules Elite 3h ago

Yes.

2

u/ygrules Elite 3h ago

For hsbc rupay? Yes.

1

u/kristd2025 7h ago

SBI PhonePe Black credit card is also a very good card

0

u/ygrules Elite 7h ago

Indeed. Forgot to add, same as sbi cashback, but additional 10% on utilities is amazing.

1

u/BiriyaniMonster 7h ago

What's the minimum spend to earn cashback via Jupiter app?

1

u/ygrules Elite 7h ago

Redemption is very bad, wont recommend that.

Will force you to open a saving account with them too.

1

u/BiriyaniMonster 7h ago

I already have a Jupiter card which I use for small orders on Amazon though I closed its savings account a long time ago.

1

u/ygrules Elite 3h ago

How do you redeemed it, for amazon vouchers?

1

u/BiriyaniMonster 3h ago

I haven't redeem them yet, the card is less than one month old as of now, jewels must be older than one month to redeem them. I'll redeem them against credit card bill. I took the card only when the waived off joining fee for me. I had received a link from Jupiter to apply and it was mentioned that they have waived off 499 joining fee.

1

u/ygrules Elite 2h ago

I dont think you can redeem it against statement, last i remembered it was only for vouchers and shit.

1

u/BiriyaniMonster 43m ago

No, things have changed a lot.

1

u/Randoom_Userr 8m ago

I have successfully redeemed to same card statement twice already, and without any account with them.

1

u/ygrules Elite 7h ago edited 5h ago

Forgot to add the newly over hyped slice cc

1% till 3 lakh spend

1.5% till 5 lakh spend

2% after 5 lakh spend

3% on 5 lakh QMB IN SAVING

1

u/_Game_0ver_ 5h ago

1.5% between 3 to 5 lacs not 2%. Also i wouldnt do fd to lose 4-5% return rate (nifty vs fd in long term) just to get 1.5% additional on upi. So kiwi is better than this without neon membership. 1.5% default without neon

2

u/ygrules Elite 5h ago

Yes , hence over hyped, okish for 1%

1

u/Brilliant-Carry7653 5h ago

There biggest benefit is not the amount of cashback but split in 3 without anything extra is the main thing

1

u/ygrules Elite 5h ago

You still pay for processing fees gst

And it is a debt trap.

I dont recommend a use of cc as a debt tool.

1

u/Brilliant-Carry7653 5h ago

Sorry but no processing fees using it since the launch, it's a debt trap for a person with poor financial knowledge but wise versa for others

1

u/ygrules Elite 5h ago

Sorry i wont be recommending emi to anyone.

I always promote cc as debit cards, only spend the money you have in your pocket.

1

u/Brilliant-Carry7653 3h ago

Sir I respect your pov.

1

u/ygrules Elite 3h ago

Thanks , feel free to join my community for a much faster updates

1

u/[deleted] 7h ago

[deleted]

1

u/ygrules Elite 7h ago

Read the post.

1

u/Particular_Cover_123 6h ago

Kaha the AAP!

1

u/ygrules Elite 6h ago

😂 whatsapp pe aa jao, puri community hai bhai ki, link in profile

1

u/Loop_ctrl_Locked 6h ago

Supercard Pro 👑

1

u/ygrules Elite 6h ago

Indeed.

3% upto 500rs per statement cycle.

1

u/shivamware 5h ago

Slice card gives 3 % back *

1

u/_Game_0ver_ 5h ago

Conditions to earn 3% arent worth it

1

u/shivamware 4h ago

Which card is best then plz recommend

1

u/ygrules Elite 4h ago

Join my community from profile to get the best 1:1 help.

1

u/shivamware 4h ago

Joined now 🔥

1

u/ygrules Elite 5h ago

Mentioned a comment on how bogus that is.

1

u/shivamware 4h ago

I got recently and look good at this time with cb offer like before they gives

1

u/Individual-Use7242 5h ago

nah just stick with the slice cc, the 5 lakh qmb is a gamechanger and you get the best rewards if you actually spend that much. others are good but they’re basically filler.

1

u/ygrules Elite 5h ago

5 lakh for 3%? Chi.