hdfc rupay digital is good for upi compared to axis myzone if its is lifetime free 1 cashpoint = 0.25 minimum you need 500 cashpoints to get 125 they charge 99+ GST for each redemption fee you have to redeem large cashpoints so net value will be better
Axis myzone swiggy 120 on order above 500 if you able to order such 500+ orders then you can get
Districit 1+1 Movie ticket if you are movie lover and stay in cities
Reward points 4 per 200 spend on upi atleast you need minimum of 2500 points to redeem some decent 500 worth voucher so you need to spend 125000 to get 2500 reward points . plus there is 99+GST redeemption which is so for 1.25 lakh spend you get net of 380 rs on upi
if you really looking for rupay creditcard for lesser 200 value transaction get any lifetime free can and use super money app
if you can get kwik rupay creditcard
if you looking fd card go with idfc first earn rupay card with 5000 fd though its chargeable of 499+GST you can recover if you are extensive UPI user