Suggest Rupay credit card

[helloworld]

Looking for a RuPay card that meets the following requirements:

• Must work without a minimum spend of ₹2000
• Should have the same reward rate across different apps (not just the issuer’s app)
• Must earn reward points on grocery purchases and roadside eating places
• At least 1% reward rate or cashback

I haven't been tracking RuPay cards much lately, so if any fit these criteria, please let me know. Thanks in advance!

Special Thanks!

@Hemang : Axis Airtel Rupay (1% offline spends)
@2025 : AU InstaPay (1% on selected categories include eating places, grocery and pharmacy)

---

Note:

• Eterna: 0 points for 95% of my spending in these categories, same applies to Snapdeal
• Tata Neu: Unreliable app outside, struggles to open, inconvenient RP split between HDFC and their platform, and requires using their app only and if any issues have to check support here and there.

@Abhishek012

 

[fradela]

I use Tata Neu Infinity (LTF) card. 1.5% cashback on above 100 (Even I get it for above 80).

Less than 100, go with same card in super money app. Good cashback for less than 100 too.

 

[fradela]

@Abhishek012 or someone confirm, Does 5% cashback applicable on grocery using Rupay Shoprite CC??

 

[2025]

Looking for a RuPay card that meets the following requirements:

• Must work without a minimum spend of ₹2000
• Should have the same reward rate across different apps (not just the issuer’s app)
• Must earn reward points on grocery purchases and roadside eating places
• At least 1% reward rate or cashback

I haven't been tracking RuPay cards much lately, so if any fit these criteria, please let me know. Thanks in advance!

@helloworld, These days, I am mostly using SBI SimplySave Rupay along with Neu Infinity and Power+.

I am getting a reward rate up to 1.67% on UPI Grocery payments (10 Reward points per Rs. 150). Points are credited for payments in multiples of Rs. 150.

Double benefits of SBI Card Offers. Best low-cost combo with SBI Cashback for using in known shops.

 

[2025]

I use Tata Neu Infinity (LTF) card. 1.5% cashback on above 100 (Even I get it for above 80).

Less than 100, go with same card in super money app. Good cashback for less than 100 too.

Can you confirm the minimum payment amount to get points using Tata Neu Infinity? I have tested years back, now I'm not able to recall.

1. Is it 80? [80*0.015 = 1.2] or below as well (I am talking about through the Neu app)
If I go by that logic (points rounding), then it could be from Rs. 67, right? [67*0.015 = 1.005]
2. The next point is, is it also in multiples of Rs. 67 and on a per-txn basis? Ideally, it should be.

3. Also, in other apps, it would come out like Rs. 200 and its multiples. (by the same logic) Is it so?

Has anyone tested recently? @cardio_guy @helloworld

 

[fradela]

Can you confirm the minimum payment amount to get points using Tata Neu Infinity? I have tested years back, now I'm not able to recall.

1. Is it 80? [80*0.015 = 1.2] or below as well (I am talking about through the Neu app)
If I go by that logic (points rounding), then it could be from Rs. 67, right? [67*0.015 = 1.005]
2. The next point is, is it also in multiples of Rs. 67 and on a per-txn basis? Ideally, it should be.

3. Also, in other apps, it would come out like Rs. 200 and its multiples. (by the same logic) Is it so?

Has anyone tested recently? @cardio_guy @helloworld

For Tata Neu App, minimum 100, to get 1.5%. you will 1.5 rs back. Even if you spend, 80rs , you will get that cashback.

Less than 100, go with super money, they usually give 2 to 3 % cashback.

Tata Neu Infinity is One of the best UPI cards as of now if you get it is as a LTF.

KIWI is not giving cashbacks until you buy rs 1200 neon subscription. It is not all worth.

 

[2025]

For Tata Neu App, minimum 100, to get 1.5%. you will 1.5 rs back. Even if you spend, 80rs , you will get that cashback.

Less than 100, go with super money, they usually give 2 to 3 % cashback.

Tata Neu Infinity is One of the best UPI cards as of now if you get it is as a LTF.

KIWI is not giving cashbacks until you buy rs 1200 neon subscription. It is not all worth.

I think my question was more specific. he he.
If I get the answer, then good. Otherwise, I have to test again. Thanks.

 

[helloworld]

@Abhishek012 or someone confirm, Does 5% cashback applicable on grocery using Rupay Shoprite CC??

Post in thread 'RBL Shoprite Reward structure'

Jun 26, 2024

Shoprite Card - Credit Card for Grocery Shopping | RBL Bank

Shoprite credit card by RBL Bank comes with various benefits such as 5% value back on grocery spends, 2.5% value back on fuel spends, 10% discount on movies & more. Apply for Shoprite credit card to avail all the privileges today!

www.rblbank.com

Grocery: 20 RP / 100
BMS: 10% discount

Ideally 1 RP = 0.25 to get 5% as advertised

but practically, for most useful vouchers its 1 RP = 0.18 = 3.6% for grocery.

RBL cards not needed, you can safely close it unless you're in collecting in that case also you already collected. now, close it.

• helloworld

• 
• 

++ redemption fee, its never 5%

 

[helloworld]

Can you confirm the minimum payment amount to get points using Tata Neu Infinity? I have tested years back, now I'm not able to recall.

1. Is it 80? [80*0.015 = 1.2] or below as well (I am talking about through the Neu app)
If I go by that logic (points rounding), then it could be from Rs. 67, right? [67*0.015 = 1.005]

1.5% tni uses round up, very very few cards in market to do round up.

2. The next point is, is it also in multiples of Rs. 67 and on a per-txn basis? Ideally, it should be.

no, its 1.5% and round up not 67 multiples

3. Also, in other apps, it would come out like Rs. 200 and its multiples. (by the same logic) Is it so?

Has anyone tested recently? @cardio_guy @helloworld

depends on card but majority 100 and its round down.. 101 to 199 = 100..

 

[helloworld]

Tata Neu Infinity is One of the best UPI cards as of now if you get it is as a LTF.

if it opens, not laggy, and works.. then its best

6 out 10 of my transactions didnt worked for rupay cards in that app.

same merchant, same qr, same card works in other app without any issues but that gives 0.5% only which is still good becoz tataneu gives 0% by not accepting it.