UPI payments are convenient, but what if every tap also gave you cashback? With UPI credit cards, that’s now possible.
Here are five smart ways to earn cashback on every UPI transaction — and how Kiwi helps you do it easily.
1. Use a UPI-Linked Credit Card
Most people use debit cards or bank accounts for UPI. But credit cards offer better rewards.
By linking your RuPay credit card to UPI apps, you can pay using UPI and still earn cashback like a normal card purchase.
Example:
If your card offers 1% cashback on spends, every UPI payment — grocery, cab, or food — gives you instant value back.
Pro tip: Choose a credit card that offers consistent rewards on all categories, not just shopping.
2. Pick the Right UPI Credit Card
Not all cards offer the same benefits on UPI. Some give higher cashback rates, while others have reward caps or category restrictions.
Look for:
- Flat cashback on all UPI spends
- Low or no annual fees
- Bonus rewards on bill payments and utilities
Pro tip: Kiwi supports multiple RuPay credit cards — you can explore and compare them in one place before linking.
3. Pay Bills, Subscriptions, & Utilities via Credit Card UPI
Most users only use UPI for small spends.
But paying for electricity, DTH, or OTT subscriptions through your credit card-linked UPI boosts total monthly cashback.
Every transaction adds up.
And since Kiwi lets you manage all your linked cards in one app, tracking cashback becomes effortless.
Pro tip: Automate your recurring payments using UPI credit cards to never miss cashback.
4. Take Advantage of Bank Offers
Banks frequently run limited-time offers for UPI credit card users — such as extra cashback, milestone bonuses, or merchant-specific rewards.
Combining these offers with regular UPI payments can multiply your monthly rewards.
Pro tip: Watch for festive or weekend cashback campaigns — they often stack with your card’s base rewards.
5. Pay Through Kiwi for Easy Tracking
Cashback is only useful when you can track it easily.
Kiwi helps you manage and monitor all your UPI credit card payments in one place.
You can see how much cashback you’ve earned and where you’re spending the most.
No more switching between UPI apps and card statements — everything stays organized inside Kiwi.
Pro tip: Use Kiwi for your daily UPI transactions — from food delivery to bill payments — to maximize your cashback potential.
Final Thought
Every UPI transaction can now earn you cashback — if you use the right tools. With Kiwi, you can link your Kiwi RuPay credit card, pay seamlessly via UPI, and earn rewards on every spend.
Simple, smart, and rewarding — just how payments should be.
