💳 Best UPI + Utility Cashback Card? Need Suggestions!

[100rb]

Here’s my setup

• Flipkart Axis (₹500/yr) – Using since 11/22. Mostly for Flipkart/Myntra sales. Degraded multiple times — not sure if it’s worth keeping since I’m a Flipkart Black member.
• Axis Amex Privilege – New, NIL fee, shared limit. Not used yet.
• HDFC Freedom Rupay (LTF) – Can upgrade to Rupay Millennia (₹1K fee from 2nd year).
• SBI Cashback (₹999/yr, waived @₹2L) – Main card for Amazon/Flipkart/Myntra/ online spends/ recharges
• Kotak Rupay League (LTF) – Not using lately.

Spends:

• ~₹40K/year on insurance (5% cashback via SBI Cashback)
• Mostly online spends
• Friends also use my cards — helps me hit fee waiver targets

Profile:

• Salary: ₹98K/month
• CIBIL: 786

Looking for:

• Credit card with cashback on UPI (Axis Super Money – 3%, YES Bank ACE – 2%)
• Or SBI Select Black (10% on utilities/insurance)

Should I continue with Flipkart Axis despite downgrades?

And which card suits better — Axis Super Money, YES ACE, or SBI Select Black?

 

[arjungoyal12]

Nice setup,looks pretty balanced already. Since you’ve got decent online spends and insurance payments, I’d say:

Flipkart Axis: If you’re a Flipkart Black member, this card’s value has definitely dropped after recent downgrades. Unless you’re getting consistent 5%+ cashback benefits, you can probably let it go.

SBI Cashback: Great for Amazon/Flipkart spends, and if you’re hitting the ₹2L waiver target, definitely keep it.

Axis Super Money / YES Bank ACE: Both are solid choices for UPI cashback. Between the two, Axis Super Money seems more rewarding overall (3% vs 2%) and the Axis system tends to be smoother.

SBI Select Black: It’s premium but the 10% utility/insurance cashback is pretty specific. Worth it only if your monthly bills are high enough to justify the fee.

So, if you’re mainly doing online + UPI spends, I’d suggest:

Keep SBI Cashback as your main online card.
Try Axis Super Money for UPI.
Drop Flipkart Axis if you’re not seeing much benefit post-downgrade