QUESTION · TRAVEL · RATES AS OF 28 OCTOBER 2026
Do I get credit card rewards on MakeMyTrip if I pay by UPI?
Not always. On MakeMyTrip, PaisaSave YES, PhonePe SBI Black and Eterna BOBCARD earn less, or nothing, when you pay through UPI (including a RuPay credit card on UPI). To get the full reward, pay with the card itself in the MakeMyTrip checkout.
- PaisaSave YES: Earns less when paid through UPI; Up to ₹3,000 of 6% cashback a month, shared with dining; then 1%. Paid by UPI: no 6%, and 1% only above ₹2,000
- PhonePe SBI Black: Earns nothing when paid through UPI; When paid online or in the app by card; UPI payments outside the PhonePe app earn nothing; at most 1,000 points (₹1,000) a month
- Eterna BOBCARD: Earns less when paid through UPI; 5X (15 points per ₹100) on online payments, up to 5,000 points a statement cycle; not on UPI
Top cards on MakeMyTrip
- 1PaisaSave YESno minimum order · up to ₹3,000 a month6%
- 2
Cashback SBIorders of ₹100+ · up to ₹2,000 a month5% - 3PhonePe SBI Blackorders of ₹100+ · up to ₹1,000 a month5%
- 4
Eterna BOBCARDorders of ₹100+ · up to ₹1,250 a month3.75% - 5
HDFC Diners Blackno minimum order · up to ₹75,000 a month3.33%
Rates as per each bank’s published terms (as of 28 October 2026) and can change. Pickkard isn’t a bank and isn’t paid by any bank.