Hey everyone,
I wanted to understand what credit cards you all are using for UPI cashback, especially for small transactions (< ₹100).
Currently, I'm using the Kiwi Yes Bank RuPay credit card, which gives ~1.5% cashback but only on transactions above ₹100.
I've been exploring alternatives and came across the SuperMoney credit card. It claims around 1-3% returns, but I've noticed that even with my existing ICICI RuPay card on the SuperMoney app, I'm already getting around 1.5-1.7% effective cashback for transaction less than 100 rs.
Is there any benefit of taking this credit card? Can anyone one share your experience regarding using this credit card? Are you constantly getting cashback more than 2% using this credit card?
Let's say if I get this credit card. How much cashback it generally gives for spending more than 100 rs.? Should I use super money credit card pr kiwi credit card? Also is there any other credit card which gives more cashback compared to these two?
Update: I am specifically telling about offline spends. I guess some people misunderstood the post. Also I am looking for LTF cards.
Thank you in advance.