All Cards
rupaybasiccredit
AU Bank InstaPay Credit Card
AU Small Finance Bank
shoppingonline
Annual Fee
FREE
Joining Fee
Nil
Base Reward
1% cashback
Foreign Markup
3.49%
Interest Rate
3.59% per month
Welcome Benefits
N/A
Product Highlights
- Lifetime free credit card
- Fast & secure virtual payments
- 1% cashback on eligible UPI spends
Rewards
1% direct cashback on UPI spends across departmental stores, groceries, pharmacies, and supermarkets.
Redemption
Cashback to your credit statement/account
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
dining | 1%(1% CashBack on UPI spends made on dining) | No cap |
grocery | 1%(1% CashBack on UPI spends across groceries) | No cap |
shopping | 1%(1% CashBack on UPI spends across departmental stores) | No cap |
other | 1%(1% CashBack on UPI spends across pharmacies and supermarkets) | No cap |
Benefits & Features
1% cashback on UPI spends made on dining
Fees & Charges
Annual FeeFREE
Joining FeeNil
Foreign Markup3.49%
Interest Rate3.59% per month
Eligibility
Min Age
21 years
Available Networks
rupay
Pros & Cons
Pros
- Lifetime free credit card with no joining or annual charges
- Convenience of a virtual credit card
- Cashback on UPI spends
Cons
- Only useful for UPI transactions
- No welcome benefits or lounge access
- Cashback rate of 1% is relatively low
Additional Info
Maximum cashback of ₹100 can be availed in a statement cycle.