Rupay Credit Cards on UPI or Regular UPI? - What’s your preference?

My Finance Polls
21

Yes. It’s online only through Big Basket.

22

How long before the MDR kicks in and merchants start discouraging CC on UPI? :eyes:

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23

My thoughts exactly. :smiley:

But I don’t think MDR is coming anytime soon.

The Indian government is playing the long game (Jio’s strategy - but against cash maybe) on this one.

Also above Rs.2000 MDR applies even now for UPI. That’s why shops discourage you from using UPI paying for any amount above Rs.2000.

But I don’t think we can abolish cash so easily. There are many people who accept only cash. Especially in areas outside of cities. That will take sometime if not a long time.

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24

Has anyone applied for the tata neu cc is it worth applying

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25

If you are more into Tata offerings on the Neu App, only then.

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26

@Priyansh_Gaur I haven’t applied for the Tate Neu card. But I think it is worth it for the 1.5% cashback on UPI spends.

@yagnesh01 has the Tata Neu Infinity card. So if he says, I think it is true for the purpose of using it in the Tata Neu app.

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27

I am waiting for the UPI credit card

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28

but that 1.5% is on the infinity one and it has an annual fees of 1.5k and is waived of at spends of 3L per annum and as far as I know I wont be spending that much on that card I have other cards to and I don’t even buy from tata neu amazon fulfils my needs any other ltf cc for upi with good rewards or be decent

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29

sadly no so it would be a no for me

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30

@Priyansh_Gaur @smdaquib784 So let’s hope Jupiter hits it out of park with the Edge Rupay Credit Card… :slight_smile:

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31

Hoping for that it provides good value

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32

Any Rupay Upi credit card providing more than 2% cashback/valueback ???

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33

Can someone let me know which Apps you’ve been using/ that allow linking of RuPay cards?
:blob_thanks:

34

I have linked my card with Cred, paytm, Jupiter, Kiwi, Mobikwik, Payzapp and Phonepe. Haven’t tried all yet. Cred has been quite rewarding but it’s only been a while so will try others as well and see.

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35

I don’t have a RuPay credit card.

My wife uses Paytm. It’s pretty seamless.

36

I can’t seem to find Edge CSB Bank Credit Card in Cred but it’s showing up in other Apps while linking.

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37

Paytm I used all the time for rupay cc payment I have added them to gpay but for some reason it always decline my payment and on cred to occassionally I do payment from it sometimes it gives good cashback

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38

I use it on the following-

Jupiter, Paytm, PayZapp, Cred, Gpay

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39

I only use Jupiter.

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40

Reason is clear, credit card given to you 45 days without interest money… And because of UPI marchent don’t need any MDR and even you can use it on small to small store… To much faster then swipe or enter pin and more secure than NFC… Even you can transfer to your bank account also freely… So you can use it on emargency withdraw by the bank atm without any extra fees :rocket:

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