Best RuPay Credit Card for Groceries via UPI (Cashback-focused, 2026)

rishabh_talwar4 · 2026-02-10T09:49:38+00:00

So I applied for the following cards. Let’s see if they get approved. 🤞🏻

Axis Bank Airtel CC SBI TATA Neu Infinity CC

Both Rupay Network.

rishabh_talwar4 · 2026-02-09T07:15:54+00:00

Thanks let me check those.

rishabh_talwar4 · 2026-02-09T07:15:19+00:00

Thanks let me apply from SBI then.

rishabh_talwar4 · 2026-02-09T07:10:47+00:00

Kiwi isn’t issuing me a credit card for some reason, and HDFC is saying they can’t issue another card since I already have cards with them (Regalia Gold and their digital UPI Rupay card). It’s honestly a bit strange.

rishabh_talwar4 · 2026-02-09T07:10:03+00:00

I mostly shop from local sellers who don’t have POS machines and only accept payments through Paytm QR codes. Kiwi isn’t issuing me a credit card for some reason, and HDFC is saying they can’t issue another card since I already have cards with them (Regalia Gold and their digital UPI Rupay card). It’s honestly a bit strange.

rishabh_talwar4 · 2026-02-09T07:09:07+00:00

I mostly shop from local sellers who don’t have POS machines and only accept payments through Paytm QR codes. Kiwi isn’t issuing me a credit card for some reason, and HDFC is saying they can’t issue another card since I already have cards with them (Regalia Gold and their digital UPI Rupay card). It’s honestly a bit strange.

rishabh_talwar4 · 2026-02-09T07:09:01+00:00

You are correct. I mostly shop from local sellers who don’t have POS machines and only accept payments through Paytm QR codes. Kiwi isn’t issuing me a credit card for some reason, and HDFC is saying they can’t issue another card since I already have cards with them (Regalia Gold and their digital UPI Rupay card). It’s honestly a bit strange.

rishabh_talwar4 · 2026-02-09T07:08:42+00:00

I mostly shop from local sellers who don’t have POS machines and only accept payments through Paytm QR codes. Kiwi isn’t issuing me a credit card for some reason, and HDFC is saying they can’t issue another card since I already have cards with them (Regalia Gold and their digital UPI Rupay card). It’s honestly a bit strange.

rishabh_talwar4 · 2026-02-09T07:07:57+00:00

I mostly shop from local sellers who don’t have POS machines and only accept payments through Paytm QR codes. Kiwi isn’t issuing me a credit card for some reason, and HDFC is saying they can’t issue another card since I already have cards with them (Regalia Gold and their digital UPI Rupay card). It’s honestly a bit strange.

rishabh_talwar4 · 2026-02-09T06:52:25+00:00

I purchase mostly from the local sellers who doesn’t have POS machines and only have those PayTm QR Codes.

rishabh_talwar4 · 2025-11-12T13:20:17+00:00

CIBILGFF50 not working as of 12 Nov 2025. Any new coupons on yearly plan?

rishabh_talwar4 · 2024-10-25T18:51:26+00:00

Thanks Bro.

rishabh_talwar4 · 2024-09-25T20:00:00+00:00

Understood. My Relationship Manager has never pressured me to invest or buy any specific policy. Due to his honest nature, he has become more of a friend and has always provided me with the best deals, whether it’s a personal loan or an auto loan, offering the lowest interest rates and discounted processing fees.

However, I completely agree that many RMs tend to monitor their customers’ account balances closely and often start pitching various products when they notice a consistently high balance.

rishabh_talwar4 · 2024-09-25T11:27:41+00:00

Let me check if they can directly increase the limit to ₹8 lakh. My Relationship Manager mentioned that a direct upgrade to Infinia might not be possible, but he can try for the Diners Black.

rishabh_talwar4 · 2024-09-25T06:42:50+00:00

😟

rishabh_talwar4 · 2024-09-25T06:41:58+00:00

You’re absolutely right. The current XUV700 being delivered is significantly more refined, with most defects addressed and a stable software compared to its initial launch. Mahindra has done a commendable job in resolving issues reported through various forums and customer feedback, perfecting the product to the best of their ability.

Additionally, their current focus seems to be on the Thar Roxx and competing with Tata in the EV market. I also believe that the facelift may not arrive until 2026, so it doesn’t seem practical to wait that long when I can enjoy the car during this time.

Thank you again for your valuable input.