🔔 Introduction (Cash, UPI & Credit Card Problem)
Generally, when we buy something and need to pay for it, if we have cash on hand, we pay with cash. Otherwise, for quick payments, we use UPI by scanning the QR code. On the other hand, we also use credit cards to make payments by swiping them.
These days, for quick payments, everyone is using UPI. On the other hand, we use credit cards to earn rewards. But at any given time, we can only do one of these two, right? But what if you could do both in a single payment, allowing you to make quick payments and earn rewards simultaneously? That’s where the RuPay credit card comes in.
RuPay is India’s own card network launched by the National Payments Corporation of India (NPCI). Now, all banks like SBI, HDFC, Axis, and ICICI have started issuing RuPay credit cards. The biggest advantage of this RuPay credit card is that once you store this card in any UPI application like PhonePe or Google Pay, you can use the money from this credit card to make UPI payments by scanning the QR code, just like how we use the money from our bank account for UPI payments.
You can make payments even at a small shop using this card via UPI. There’s no complication whatsoever—no need to swipe, no need for a swiping machine, no need to keep it separately in your wallet, or send it to anyone. The biggest advantage is that you can use the money on this credit card for small payments.
💳 What is RuPay Credit Card & UPI Advantage
However, many of you had asked for a lifetime free RuPay credit card, or a RuPay credit card with low charges, and which RuPay credit card is the best. So, this video is for them. Today, in this video, we are going to look at five excellent RuPay credit cards.
🥝 Kiwi RuPay Credit Card (Lifetime Free & Cashback)
The first of the five RuPay credit cards we are going to look at is the Kiwi credit card. We can even call it one of the best lifetime free RuPay credit cards for cashback. The wow factors of this card are that it’s a lifetime free credit card, you get up to 5% cashback on UPI spends. They even call it the most rewarding UPI credit card. You can access up to 3 airport lounges per year through this RuPay credit card. Not only that, you also get a Neon subscription worth ₹999 plus GST. Through this subscription, you get access to more free domestic lounges and more cashback.
Let’s look at the eligibility criteria you need to meet to get this Kiwi credit card. Your age should be between 25 and 60 years, your credit score should be above 720, you must be a salaried person, and your minimum annual income should be at least 3 lakhs. So, if you meet all these eligibility criteria, you can easily get this Kiwi credit card.
🏪 Tata Neu HDFC RuPay Credit Card
The next RuPay credit card is the Tata Neu HDFC. This can be considered an excellent credit card for earning maximum rewards. By using this card, you can save up to ₹35,000 per year. If you spend more than ₹50,000 in a calendar quarter, you get access to 4 domestic lounge visits per year. By accumulating Tata Neu Coins, you get a 7% discount on Tata brands such as BigBasket, AirAsia, Tata 1mg, Croma, Tata CLiQ, Westside, Titan, and Tanishq. By using the Tata Neu app for UPI spending, you can save up to 1%. You will receive up to 2% Neu Coin rewards when you spend on Tata brands.
So, there are eligibility criteria to get this card. Your age should be between 21 and 65 years. It doesn’t matter if you are salaried or self-employed. If you are salaried, you should be earning a minimum of 25,000 rupees per month. If you are self-employed, your minimum annual income should be at least 6 lakh rupees.
This is the eligibility criteria. So, when it comes to the fees for this card, if you are getting this card for the first time, there will be zero joining fee. From the second year onwards, a fee of 499 rupees plus GST will be charged annually. However, if you have spent more than one lakh rupees using this card in a year, that charge will be waived, and you don’t have to pay it.
🏷️ Axis Neo RuPay Credit Card (Offers & Discounts)
The third RuPay credit card we are going to look at is the Axis Neo RuPay Credit Card. Look at the wow factors it offers. This is a lifetime free credit card. Secondly, you get a 10% offer when you spend using this card through Blinkit, which is up to 250 rupees per month. Similarly, you can avail a 10% offer on BookMyShow movie tickets, up to 100 rupees per month. You get an offer of up to 150 rupees on Myntra if you spend more than 1000 rupees, or specifically 999 rupees. And for mobile recharge, broadband, and Wi-Fi payments made online using this card, you get up to 5% off.
Also, if you pay these bills through Paytm for more than 299 rupees once a month, you get an offer of up to 150 rupees. You get an offer of up to 120 rupees per month on Zomato, provided you spend more than 499 rupees twice. If you use this card for any transactions through MakeMyTrip, you get a 15% offer as part of their Weekly Wednesday Delights. On Swiggy, you get 10% off, and on Tira, you get offers up to 1000 rupees when you make purchases using this card.
The eligibility criteria for obtaining this Axis Neo RuPay credit card are as follows: your age must be between 21 and 65 years. This applies whether you are a salaried person or self-employed. If you are a salaried person, you should be earning at least 25,000 rupees per month. If you are self-employed, you must be earning a minimum of ₹3,60,000 per year after income tax. And only if your credit score is above 735 will you be able to get this Axis Neo RuPay credit card.
SBI SimplySave RuPay Credit Card (Beginner Card)
The next credit card we’re going to look at is for those who want an entry-level RuPay credit card, especially if you haven’t owned a credit card or a RuPay credit card before. You can try this card. That is the SBI SimplySAVE RuPay credit card. When you get this card, as a welcome benefit, if you spend ₹2000 within two months using this card, you get 2000 reward points. There is a fuel surcharge waiver of up to 1%. And when you spend using this card at movies, grocery stores, and department stores, you get 10 reward points for every ₹150 spent. So, you can earn up to 5000 reward points per month.
To get this card, the eligibility criteria are as follows: your age should be between 21 and 65 years. It doesn’t matter if you are salaried or self-employed. If you are salaried, you must earn at least ₹30,000 per month. The fees for this card are ₹500 plus GST as a joining fee, and the same ₹500 plus GST for the second year as well. In case you have spent more than one lakh rupees using this card, some fees will be waived.
👑 Tata Neu Infinity RuPay Credit Card (Premium)
The fifth credit card we are going to look at is a premium credit card with excellent reward points. This is the Tata Neu Infinity RuPay Credit Card. The wow factors of this card are that there is no joining fee. And you can save up to one lakh rupees using this card.
You get 8 complimentary domestic and 4 international airport lounge accesses through this credit card if you have spent more than ₹50,000 using this card in that calendar quarter. And next, you can save up to 10% through Tata Neu Coins. In case you are purchasing from Tata brands like Tanishq, Titan, BigBasket, Air Asia, Tata 1mg, Croma, etc. If you spend using this card via UPI through the Tata Neu app, you can save up to 1.5%. You will get a 5% Neu Coins reward if you spend on Tata brands using this card. Click Here
So, if you want to get this premium RuPay credit card, there is a strict eligibility criterion. First, your age must be between 21 and 65 years. It doesn’t matter if you are salaried or self-employed. If you are salaried, your monthly income must be at least one lakh rupees. If you are self-employed, your annual income must be at least 12 lakh rupees. And the joining fee for this card is zero for the first year. From the second year onwards, it’s 1499 rupees plus GST. If you have spent more than 3 lakh rupees using this card in that calendar year, then that fee will be waived.