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.
Updated Top 10 UPI Credit Card list for 2026
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- How Cashback Works: Instant real cashback credited to Kiwi wallet; can be withdrawn directly to your bank account.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. ICICI Bank Coral RuPay Credit Card
- Annual Fee: ₹500 (waiver on annual spends)
- UPI Cashback: 1% reward points on UPI payments
- How Cashback Works: Reward points convert to statement credit or vouchers, Simple redemption via iMobile app.
- Why It’s Good: Reliable UPI acceptance, Strong ICICI app experience, Good for conservative, salary-account users.
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. SBI Card UPI RuPay Credit Card
- Annual Fee: Lifetime free
- UPI Cashback: 1% on UPI merchant spends (capped monthly)
- How Cashback Works: Reward points credited per billing cycle. Redeemable as statement credit or SBI reward catalog.
- Why It’s Good: Mass-market reach, High approval rate. Trusted SBI ecosystem with growing UPI coverage.
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 |
| ICICI Coral RuPay | ₹500 (waiver) | 1% | Points → cash/vouchers | Stable, conservative pick |
| 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 |
| SBI Card UPI RuPay | Nil | 1% | Statement credit | Mass-market UPI |
Final Thoughts
UPI Credit Cards are no longer “new”. They are daily payment tools.
In 2026:
- People use credit for ₹100–₹300 spends
- UPI handles volume, not just convenience
- Cashback clarity matters more than reward complexity
What works best now
- Lifetime-free cards
- Instant or statement cashback
- Simple caps, fewer exclusions
Quick picks
- Best overall: Kiwi
- Best high-frequency UPI: Axis SuperMoney
- Best travel + UPI combo: Scapia
- Safest mass-market option: SBI Card UPI RuPay
The winning setup in 2026 is simple. One RuPay UPI credit card. One Visa/Mastercard for travel.
Scan. Pay. Earn. Repeat.
