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)

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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.