HDFC Rupay, i actually thought 3x rp was good until I realised the value of 1rp. I actually thought about it weeks later. I hardly use it. Maybe in future I'll close it.
Federal Wave also I don't use it, but I just got it months ago, so am not closing it.
My main rupay card on UPI is Bob...
HDFC Millenia LTF
HDFC Rupay UPI LTF
ICICI APay LTF
ICICI Coral Visa LTF
ICICI Coral Rupay LTF
BOB Premier LTF
BOB HPCL Energy LTF
Axis MYZONE LTF
Federal Celesta LTF
Federal Wave Rupay LTF
IDFC First Select LTF
Indusind Tiger LTF
Total credit limit across all cards - 31L
100rs spent gives 1or 2rp. And 1rp = 25paise. So spending 100rs give you 25paise so 0.25%, if 100rs spent gives 2rp, so 25*2=50paise. 100rs gives you 50paise so reward rate is 0.5%. Correct me if I am wrong. Also do share what will be rewarded rate as per your calculation. Also share your...
ICICI Coral Rupay reward rate is 0.25-0.5%. HDFC Rupay credit card has different rates ranging from 1-3% if transactions are done through Payzap so this would give better reward rate that ICICI Coral. No there won't be any cibil hit done, as it's approved for you.
While it's true that you get stuck with Money-back card. Below is my story:
I started job in June 2019, opened HDFC salary account, got hdfc freedom LTF, hardly knew much about credit cards. In all these years, i got FYF upgrade offer to Money-back plus and Millenia plus, after requesting a lot...
Hdfc bank app, go to cards section, there you see points also am option to redeem it. You can redeem from their, after a day or two cashback will be credited to bank account