On a ₹10,000 order: ₹500 back online.
If online and UPI spends are most of your month, this one is worth a look.
Fees, issuer & rates
- Joining & annual fee
- ₹0; lifetime-free
- Issuer & network
- Partnered with YES Bank; RuPay
- Forex markup
- 3.5% foreign currency markup
- Finance charges
- 3.99% per monthafter an interest free period of 50 days
Eligibility
| Salaried | Self-employed | |
|---|---|---|
| Age | 21-60 yrs | 21-60 yrs |
| Income | ₹25,000/m | ITR >₹7.5L |
Redeem your cashback
- Brand vouchers in the Kredit.Pe app (Amazon, Swiggy, Zomato, Flipkart, etc.). Upto 50% off on top brand vouchers.
- Digital gold with 7% off.
- Bill payments, or claim free gold every month up to ₹1,500 per month.
- Flight vouchers: 20% off at MakeMyTrip, Cleartrip, EaseMyTrip, Goibibo.
In full
Choosing a card for online and UPI spends? The Kredit.Pe RuPay credit card is lifetime-free and pays 5% on online spends
What you get: - Partnered with YES Bank on the RuPay network. - 5% cashback on all online spends. - 5% unlimited cashback on Gold & Silver. - UPI on Kredit.Pe: 3% on UPI merchant transactions, or 5% once your monthly UPI spend exceeds ₹20,000. - Welcome bonus worth ₹1,000: ₹500 cashback joining bonus + ₹500 cashback welcome bonus, credited after 10 online transactions at eligible stores within 90 days of card activation.
Fees & charges: - No joining & annual fees. Lifetime-free. - Foreign currency markup: 3.5%. - Finance charges: 3.99% per month, after an interest free period of 50 days. - Cashback is not available on spends over the credit card limit in a month.
Redemption on the Kredit.Pe app: - Brand vouchers (Amazon, Swiggy, Zomato, Flipkart, etc.). Upto 50% off on top brand vouchers. - Digital gold (get 7% off), bill payments, and you can claim free gold every month up to ₹1,500 per month. - Travel boost: get 20% off on flight vouchers with your cashback at merchants such as MakeMyTrip, Cleartrip, EaseMyTrip, Goibibo.
Advice: if most of your spend is online or via UPI, this one is worth a look. Follow for the next post that helps you put the card you already carry to work.