RuPay credit cards are becoming the go-to choice for digital payments in India, especially after the rapid growth of UPI-based credit transactions. They combine cashback, rewards, and seamless UPI linking — all while being highly secure and widely accepted.
If you’re looking for the Top 5 RuPay credit cards in 2025, here are the top five options trusted by users and verified for performance, value, and transparency.
1. Kiwi
- Joining/Annual Fee: Lifetime free
- UPI Cashback:
- Minimum 1.5% cashback on all offline UPI spends. This cashback is instantly credited as Kiwi in your Kiwi account.
- Up to 5% cashback for Kiwi Neon members (annual membership fee: ₹999+ GST)
- The cashback is capped at 1% of your credit card limit
Why It Stands Out: If you are a heavy UPI spender, this card is for you. It works for most UPI scanners. You get real cashback (not coins or points) which can be withdrawn into your bank account. It’s a lifetime free card.
2. Axis Bank SuperMoney RuPay Credit Card
- Joining/Annual Fee: NIL (Lifetime Free)
- UPI Cashback: 3% on UPI spends (Cashback capped at INR 500 per billing cycle)
Why It Stands Out: Axis Bank’s SuperMoney card provides good value for everyday payments with 3% cashback (Cashback capped at INR 500 per billing cycle) on UPI transactions. It’s lifetime-free and easy to get through a simple digital process, making it a practical option for regular UPI users looking for basic rewards.
3. Jupiter Edge+ RuPay Credit Card
- Joining/Annual Fee: NIL (Lifetime Free)
- UPI Cashback: 1% cashback on UPI spends. 10% cashback on Amazon, Flipkart, Myntra (capped at ₹1,500 per billing cycle; max ₹500 per merchant). 5% cashback on travel bookings (capped at ₹1,000 per billing cycle).
Why It Stands Out: The Jupiter Edge+ card is ideal for people who spend heavily on online shopping. The app experience is modern and intuitive, making it easy to manage spending and track rewards.
4. IDFC FIRST Bank HPCL Power+ RuPay Credit Card
- Joining/Annual Fee: ₹499
- UPI Cashback: 0.5% (No Capping)
Why It Stands Out: This card combines UPI rewards with fuel savings, making it a smart choice for commuters. Users appreciate its flexibility and the added perks like lounge access. For moderate spenders who want practical daily value, this is a reliable pick.
5. Tata Neu Infinity HDFC Bank RuPay Credit Card
- Joining/Annual Fee: ₹1499 (Lifetime Free offer available)
- UPI Cashback: 1.5% NeuCoins on all spends (used within TATA ecosystem).
Why It Stands Out: The Tata Neu Infinity card stands out for its premium benefits and strong integration with the NeuCoins ecosystem. Users earn rewards on both UPI and regular spends, along with perks like OTT access and global acceptance. This is best card for people who spend heavily in tata ecosystem.
Why These RuPay Cards Lead in 2025
Each of these cards has been rated highly by users for:
– Seamless UPI linking via apps like PhonePe, Paytm, and Google Pay
– Transparent cashback structure with no hidden limits
– Fast virtual issuance and easy digital onboarding
– High-value rewards and flexible redemption options
The Kiwi RuPay Credit Card especially shines in user feedback for its clarity, zero charges, and high cashback via the Neon plan.
Final Thoughts
RuPay credit cards have evolved into powerful tools for managing digital payments and earning rewards. Whether you want lifetime-free benefits, premium perks, or maximum cashback on UPI, the five cards above deliver excellent value in 2025.
If you’re a frequent UPI spender, start with RuPay Credit Card issued on Kiwi app — it’s simple, free, and built for India’s growing digital-first lifestyle.
