In my opinion, the best RuPay credit card is the Utkarsh Super Card. First of all, it’s an LTF card, and the most exciting part is that we can manage UPI payments, Fixed Deposits across different banks, and our credit card all within the same app. It features an easy-to-use UI and also offers UPI cashback of up to 5% on merchant payments, along with assured cashback of 2% on Flipkart, 3% on Cleartrip, and 5% on Myntra.
Mostly beneficial for new credit card holder and suitable for daily small expenses.
3 Likes
Hope they offer those on unsecured credit card. I don’t want a fd backed one. 
I want them to offer people, who have good credit score and who already use other Credit cards, some small limit (say 10k — 25k), with same rewards as those with FD backed cc.
2 Likes
Yes, the app is dope, but it’s disappointing that they are not providing an unsecured credit card. I wish they would collaborate with another reputable private bank for unsecured cards instead of an SFB. However, their interest rate is very high.
1 Like
Up to 5% is kind of gimmicky. The more you spend, the less the reward. Sometimes not even 1%. It is best for smaller amount transactions. It is ideally useful for transactions below 250rs-300rs where we get more cashback on % basis. It is definitely a good app and I am not complaining. I use it myself but for small transactions. Navi UPI gives cashback too. It gives cashback on P2P transactions as well but not if you transfer to your own account.
