India’s RuPay credit card market has become highly competitive in 2025, especially for users prioritising UPI compatibility, cashback, and value. Here are the Top 10 RuPay Credit Cards, with Kiwi emerging as the leader for UPI spends.
1. RuPay Credit Card via Kiwi
- UPI Rewards: Minimum 1.5% cashback (offline UPI spends), up to 5% for Neon members
- Fees: Lifetime free; Neon membership ₹999 +GST per year
- Lounge Access: 3 complimentary accesses/year (Neon membership)
- Cashback Format: Direct real cashback (bank withdrawal possible)
- Pros: Seamless app-based spends, best for frequent UPI users, easy redemption
2. Axis Bank SuperMoney RuPay Credit Card
- UPI Rewards: 3% cashback (capped at ₹500/month)
- Fees: Lifetime free
- Lounge Access: None
- Cashback Format: Cashback amount is directly deducted from your next credit card bill
- Pros: Highest universal UPI cashback, simple structure
3. Tata Neu Infinity HDFC Bank Credit Card
- UPI Rewards: 1.5% NeuCoins on UPI spends
- Fees: ₹1,499/yr (waiver possible), sometimes issued lifetime free
- Lounge Access: Domestic/international
- Cashback Format: NeuCoins (redeemable at 1:1 value in Tata ecosystem)
- Pros: Best for Tata brand shoppers
4. Jupiter Edge+ RuPay Credit Card
- UPI Rewards: 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). Total is capped at 3000 per billing cycle
- Fees: ₹499 joining fee (no annual fee)
- Lounge Access: Domestic/international
- Cashback Format: Jewels (redeemable as cash/bill payment)
- Pros: Strong for shopping/travel categories
5. Scapia RuPay Credit Card
- UPI Rewards: 1% cashback on spends above ₹500 (via Scapia coins)
- Fees: Lifetime free
- Lounge Access: Minimum spend of 15000 in last billing cycle to activate benefit
- Cashback Format: Scapia coins (redeemable only on Scapia app)
- Pros: Zero forex markup, best for travel lovers
6. YES Bank Finbooster RuPay Credit Card
- UPI Rewards: Up to 4 reward points per ₹200 spent on UPI (above ₹2,000) – Maximum 5000 reward points in a month
- Fees: Lifetime free (virtual only)
- Lounge Access: Not available
- Cashback Format: Reward points (redeemable for vouchers or statement credit)
- Pros: Zero annual fee, strong UPI rewards, instant digital issuance
7. AU Bank InstaPay RuPay Credit Card
- UPI Rewards: 1% cashback (on departmental stores, grocery, pharmacy, select MCCs)
- Fees: Lifetime free
- Lounge Access: None
- Cashback Format: Cashback amount is directly deducted from your next credit card bill
- Pros: Best for daily essentials spends
8. Snapdeal Bank of Baroda RuPay Credit Card
- UPI Rewards: 1% cashback
- Fees: ₹249/year
- Lounge Access: None
- Cashback Format: Cashback amount is directly deducted from your next credit card bill
- Pros: Good entry-level card for online shoppers
9. IndusInd Bank Platinum RuPay Credit Card
- UPI Rewards: 0.7% cashback
- Fees: Lifetime free
- Lounge Access: None
- Cashback Format: Statement credit
- Pros: Reliable, clean rewards
10. IDFC First HPCL Power+ RuPay Select Credit Card
- UPI Rewards: 0.5% to 5% cashback (best for fuel/grocery/utility)
- Fees: ₹499/year
- Lounge Access: Domestic
- Cashback Format: Statement credit
- Pros: Fuel spends get best rewards
Which RuPay Card Should You Get?
- Best for UPI cashback: Kiwi (with Neon) and SuperMoney
- Best for shopping/travel: Jupiter Edge+, Scapia
- Best for Tata brand loyalty: Tata Neu Infinity
- Best for fuel: IDFC HPCL Power+
- Best entry-level cards: AU InstaPay, Snapdeal BoB
Comparison Table: Key Features
| Card Name | UPI Cashback Rate | Fees | Lounge Access | Cashback Format |
| RuPay Credit Card via Kiwi | 1.5–5% | ₹0 ; Neon membership fees: ₹999 | 3/yr (Neon) | Bank withdrawal |
| SuperMoney Axis Bank | 3% (capped) | ₹0 | None | Statement credit |
| Tata Neu Infinity HDFC | 1.5% | ₹1,499/waiver | Domestic/Int’l | NeuCoins |
| Jupiter Edge+ | 1% | ₹499 | Lifestyle perks | Jewels/cash |
| Scapia Federal Bank | 1% (>₹500) | ₹0 | Conditional | Scapia coins |
| YES Bank Finbooster RuPay Credit Card | 2% | ₹0 | None | Rewards/Statement credit |
| AU InstaPay | 1% (select MCCs) | ₹0 | None | Statement credit |
| Snapdeal BoB | 1% | ₹249 | None | Statement credit |
| IndusInd Platinum | 0.7% | ₹0 | None | Statement credit |
| IDFC HPCL Power+ | 0.5–5% | ₹499 | Domestic | Statement credit |
