India’s digital payments have evolved fast — and RuPay credit cards linked to UPI are at the center of this change. They bring the power of credit to everyday UPI payments, making transactions faster, safer, and more rewarding.
Among the many options available, one card stands out in 2025 for its ease of use, transparent rewards, and unmatched cashback — the RuPay Credit Card via Kiwi.
Why RuPay Credit Cards Are the Future
RuPay credit cards offer the best of both worlds — UPI convenience with credit benefits.
You can now scan any merchant QR code, pay using UPI, and still earn rewards like a traditional card.
Here’s why more users are switching to RuPay credit cards:
- Instant UPI payments with credit
- Lifetime free options with strong cashback
- Easy app onboarding and virtual issuance
- Wide merchant acceptance across India
The Best RuPay Credit Card in 2025: Kiwi
Kiwi RuPay Credit Card (2025) Overview
- Leading the pack for UPI-first users, Kiwi offers a simple, fully digital experience with straightforward rewards.
- Issued by YES Bank or AU Small Finance Bank, the card links directly to UPI through the Kiwi app, allowing UPI payments at any QR scanner.
- Cashback: Minimum 1.5% cashback instantly credited on offline UPI spends. Neon members can earn up to 5% cashback.
- Fees: Lifetime free—no joining or annual charges; Neon membership is optional at ₹999/year.
- Limits: Cashback is capped at 1% of your credit card limit.
- Best suited for users with sizable UPI spending who value instant, hassle-free rewards without tricky exclusions or complex systems.
Why It’s the Best
- 100% digital onboarding – apply, activate, and start using within minutes.
- Transparent cashback – no confusing reward tiers, cashback can be withdrawn directly into a bank account.
- High value with Neon – earn up to 5% cashback on UPI spends.
- Real cashback (not coins or points) – You can withdraw cash directly into your bank account.
It’s a lifetime-free card that puts users first — making it ideal for anyone who prefers fast, secure, and rewarding digital payments.
How Kiwi Beats Other RuPay Credit Cards
While other cards perform well in specific areas, Kiwi delivers balanced, all-round peKiwi leads because it’s:
- Credit card is completely free for life
- Focused on UPI cashback
- Built around a simple, transparent app experience
| Card Name | Annual Fee | How Cashback Works | Why It’s Good |
| Kiwi | Nil | Minimum 1.5% cashback, up to 5% for Neon members. Real cash—instantly credited, can be withdrawn to bank account. Capped at 1% of card limit. | Best for overall UPI rewards |
| Axis Bank SuperMoney | Nil | 3% cashback (capped at ₹500/month), credited to card account as statement credit, reduces bill. Cannot be withdrawn. | Good for everyday UPI spends |
| Jupiter Edge+ RuPay | Nil (₹499 joining) | 1% on UPI spends (credited as Jewels: 1 Jewel = ₹0.20, redeemable for bill payment/gift cards), 10%–5% for shopping/travel on select platforms/categories. | Great for cashback enthusiasts |
| IDFC HPCL Power+ | ₹499 | 0.5%–5% cashback, credited as statement credit directly to card account. Best rates on fuel, groceries, utilities. | Ideal for fuel + UPI |
| Tata Neu Infinity HDFC | ₹1,499 | 1.5% NeuCoins (1 NeuCoin = ₹1), redeemable for Tata brand purchases in Tata Neu app/ecosystem. Credited to Tata Neu account. | Premium lifestyle perks |
Final Verdict
If you want the best RuPay credit card in India in 2025, choose the Kiwi RuPay Credit Card.
It’s lifetime free, rewards you for every UPI spend, and gives you complete control from your smartphone.
In a world moving toward digital-first finance, Kiwi keeps it simple — scan, pay, and earn.
