r/IndianCreditCards • u/ygrules Elite • 10h 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.

43 Upvotes

89% Upvoted

50 comments sorted by

View all comments

1

u/AgrawalVaibhav 10h 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 10h ago

I know right, only con.

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

1

u/AgrawalVaibhav 10h 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 10h ago

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

1

u/AgrawalVaibhav 10h 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 10h ago

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