Updated for 2026.
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 2026 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 2026: Kiwi
Kiwi RuPay Credit Card (2026) 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.
- Best suited for users with sizable UPI spending who value instant, hassle-free rewards without tricky exclusions or complex systems.
- Airport lounge access for Neon members
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- Transparent cashback – no confusing reward tiers, cashback can be withdrawn directly into a bank account.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.
- Lifetime free
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 Real cash—instantly credited, can be withdrawn to bank account.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 |
| HDFC Bank BizGrow RuPay Credit Card | ₹499 | Up to 1% cashback on UPI, plus GST and utility-related benefits. Cashback credited as statement adjustment. | Ideal for UPI payments by professionals & SMBs |
| ICICI Bank Coral RuPay Credit Card | Nil | Reward points on UPI spends, redeemable for vouchers, travel, and bill payments. Entry-level rewards. | Starter RuPay UPI credit card |
Final Verdict
If you want the best RuPay credit card in India in 2026, 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.
