Choosing the best UPI credit card can help you maximize rewards on your day-to-day digital payments. Most of the best options are RuPay cards, as only RuPay credit cards can currently be linked with UPI in India.
1. Kiwi
- Annual Fee: Lifetime free; optional Neon membership at ₹999/year
- UPI Cashback: Minimum 1.5% (up to 5% for Neon members)
- How Cashback Works: Instant real cashback credited to Kiwi wallet; can be withdrawn directly to your bank account. Capped at 1% of the card credit limit.
- Why It’s Good: Simple, digital-first, best rewards for heavy UPI users without tricky exclusions.
2. Jupiter Edge+ RuPay Credit Card
- Annual Fee: ₹499 one-time joining fee (no recurring annual fee)
- UPI Cashback: 1% (capped); shopping categories up to 10%
- How Cashback Works: Earned as “Jewels,” which can be redeemed for bill payments or gift cards; easy conversion to cash value.
- Why It’s Good: Leading for shopping/travel; highly flexible rewards.
3. Axis Bank SuperMoney RuPay Credit Card
- Annual Fee: Lifetime free
- UPI Cashback: 3% (up to ₹500/month)
- How Cashback Works: Credited monthly as statement credit, directly reducing card bill.
- Why It’s Good: Simple high rate, especially for everyday UPI spends.
4. Scapia RuPay Credit Card
- Annual Fee: Lifetime free
- UPI Cashback: 1% on spends above ₹500 (via Scapia coins)
- How Cashback Works: Earn Scapia coins redeemable for travel bookings via Scapia platform.
- Why It’s Good: Zero forex, best for travel enthusiasts.
5. IDFC FIRST HPCL Power+ RuPay Credit Card
- Annual Fee: ₹499
- UPI Cashback: 0.5%–5% (up to 5% on fuel, groceries, utilities)
- How Cashback Works: Statement credit to card account; category-based rates.
- Why It’s Good: Ideal for fuel and frequent essential spends.
6. Tata Neu Infinity HDFC Bank RuPay Credit Card
- Annual Fee: ₹1,499 (waiver possible)
- UPI Cashback: 1.5% NeuCoins
- How Cashback Works: Earn NeuCoins redeemable at Tata brands at 1:1 value; credited to Tata Neu account.
- Why It’s Good: Premium card for loyal Tata shoppers.
7. YES Bank BankBazaar FinBooster RuPay Credit Card
- Annual Fee: Lifetime free (virtual only)
- UPI Cashback: 4 reward points per ₹200 spent on UPI above ₹2,000
- How Cashback Works: Points redeemable for vouchers, cash credit; no points on fuel, rent, or wallets.
- Why It’s Good: Highest earn rate for big UPI spends.
8. IndusInd Bank Platinum RuPay Credit Card
- Annual Fee: Lifetime free
- UPI Cashback: 2 points per ₹100 on UPI merchant transactions
- How Cashback Works: Points do not expire, can be redeemed for cash/vouchers.
- Why It’s Good: Zero fees, flexible redemption, virtual and physical variants.
9. HDFC Bank MoneyBack+ RuPay Credit Card
- Annual Fee: ₹99 (waived if annual spend > ₹25,000)
- UPI Cashback: Up to 3% (grocery, dining, PayZapp), 1% elsewhere
- How Cashback Works: Earn CashPoints; redemption subject to category caps and exclusions.
- Why It’s Good: Good for high UPI daily (grocery, dining) spenders.
10. Airtel Axis Bank RuPay Credit Card
- Annual Fee: Lifetime free
- UPI Cashback: 3% on select lifestyle spends, 1% elsewhere
- How Cashback Works: Cashback is credited monthly as statement credit. Exclusions apply for select categories.
- Why It’s Good: Best for Airtel and utility payments.
Comparison Table: Key Features
| Card Name | Annual Fee | UPI Cashback | How Cashback Works | Why It’s Good |
| Kiwi | Nil; Kiwi neon membership: ₹999+GST | 1.5–5% | Instant, real cash withdrawable to bank | Best overall for UPI |
| Jupiter Edge+ | ₹499 (one-time) | 1–10% (capped) | “Jewels”—redeem for cash or gift cards | Top for shopping, travel |
| Axis Bank SuperMoney | Nil | 3% (up to ₹500/m) | Statement credit | Best for everyday spends |
| Scapia | Nil | 1% (above ₹500) | Scapia coins—travel redemption | Great for travelers |
| IDFC FIRST HPCL Power+ | ₹499 | 0.5–5% | Statement credit | Ideal for fuel, groceries, utilities |
| Tata Neu Infinity HDFC | ₹1,499 | 1.5% NeuCoins | NeuCoins redeemable at Tata brands | Tata fan’s premium pick |
| YES Bank FinBooster | Nil (virtual) | Up to 4 points/₹200 | Points redeemable for vouchers, cash | Good for high spenders |
| IndusInd Bank Platinum | Nil | 2 pts/₹100 | Points, cash/voucher redemption, no expiry | Flexible, zero-fee option |
| HDFC MoneyBack+ | ₹99 (waiver) | Up to 3% | CashPoints—category-based, capped | Daily essentials, low fee |
| Airtel Axis Bank | Nil | 3%/1% | Statement credit | Best for Airtel/utilities |
Final Thoughts
UPI Credit Cards are the next big shift in India’s payment system.
They combine UPI convenience with credit card benefits — cashback, rewards, and better tracking.
If you want a lifetime-free card with instant cashback, go for the UPI Credit Card via Kiwi.
For brand-loyal users, HDFC and Axis also offer strong UPI options.
Scan. Pay. Earn cashback — it’s that simple.
