UPI has made payments simple and fast. From street vendors to supermarkets, everyone now accepts UPI. But what if your UPI payments could also earn cashback or rewards? That’s where the UPI Credit Card comes in — the comfort of UPI with the power of credit.
Let’s explore the Top 5 UPI Credit Cards in India for 2025, including the UPI Credit Card via Kiwi, one of the best options for frequent UPI users.
1. Credit Card via Kiwi
Best for: People who use UPI for most of their daily spends
- Minimum 1.5% cashback on all offline UPI transactions
- Up to 5% cashback for Kiwi Neon members
- Real cashback — withdraw directly to your bank account
- Lifetime free — no joining or annual charges. Neon membership (optional) costs ₹999+GST/year.
- Seamless UPI payments through the Kiwi app
Why choose it: Perfect for people who rely heavily on UPI for daily payments and want instant, real cashback.
2. HDFC Bank UPI RuPay Credit Card
Best for: Everyday UPI shoppers
- Earn 3% CashPoints on groceries, dining, and supermarket UPI payments
- 1% on other spends
- Works on all major UPI apps
- Annual Fee: ₹99 (waived on minimum annual spends.
Why choose it: Low-cost and easy to use for regular UPI transactions.
3. IndusInd Bank Platinum RuPay Credit Card
Best for: Lifetime-free simplicity
- Lifetime free card
- Earn 2 reward points per ₹100 on UPI merchant spends
- Link to Google Pay, PhonePe, or BHIM
- Redeem points for gift vouchers or merchandise
Why choose it: Simple, reliable, and great for daily UPI usage.
4. IDFC FIRST HPCL Power Plus RuPay Credit Card
Best for: Fuel and travel spends
- 3× reward points on UPI transactions at HPCL fuel stations
- 5% cashback on fuel spends
- Extra discounts on dining and entertainment
- Annual Fee: ₹499 + GST
Why choose it: Ideal for those who drive or travel often.
5. Axis Bank SuperMoney RuPay Credit Card
Best for: Flat cashback lovers
- Lifetime free card
- Up to 3% cashback on UPI scan-and-pay spends (capped)
- 1% cashback on other spends
- Easy to link and manage through the Axis app
Why choose it: Simple cashback structure, perfect for everyday payments.
How to Link Your RuPay Credit Card to UPI
- Open your preferred UPI app
- Go to “Add Payment Method” → “Credit Card.”
- Select your bank and enter card details.
- Verify using OTP and set a UPI PIN.
Now you can pay using your credit card via UPI — just scan and pay.
Final Thoughts
UPI Credit card combines UPI convenience with credit card rewards, making them a smart choice for 2025. If you want a lifetime-free card that gives real cashback instantly, the UPI Credit Card via Kiwi is your best option.
For traditional bank users, HDFC and IndusInd also offer strong UPI-linked cards.
