I am using UPI for most of my day to day payment. I was using IDFC Power Rupay Credit Card, which was mostly useful for the fuel as I was getting around 5.5% back when I am using it in HP petrol pump. For the other payments I was not getting good returns, it was less than 0.7%. And also I have to spend minimum Rs 150 for every transaction to get that rewards.
PC: Google.com
I was looking for some good UPI card, and then I got Tata Neu Infinity Rupay Credit Card. I was facing some problem with the HDFC Bank and that's why it took me some time to get that card. This card is actually very good, if you are using it with the Tata Neu Application. Some of the benefits of Tata Neu Infinity credit card is 10% cashback (in the form of Neucoins) on the Tata Neu app, 5% cashback on Tata partner brands, and 1.5% cashback elsewhere. And for the UPI if you are using the Tata Neu UPI, you will get 1.5% cashback otherwise you will get 0.5% cashback.
The good thing about this credit card is that, it will give you 1.5% cashback for all the transaction whether you are doing Rs 50 or Rs 2K. You will get 8 domestic lounge access and 4 international lounge access each year. The only thing is that this credit card is for Rs 1499 per year. But it will be reversed if you are spending Rs 3 Lakh in a year. So now I am thinking of using all my payments whether small or big using this credit card so that I can save the annual fee. And I will be using this credit card for all my UPI transactions and along with that the previous UPI card I will use only for fuel.
If you would like to learn about Finances, do checkout My YouTube Channel where you will learn about Finances, Stocks, Investments Advices, Passive Incomes Sources and Much More.
