RuPay credit cards are becoming the go-to choice for digital payments in India, especially after the rapid growth of UPI-based credit transactions. They combine cashback, rewards, and seamless UPI linking — all while being highly secure and widely accepted.
If you’re looking for the Top 5 RuPay credit cards in 2026, here are the top five options trusted by users and verified for performance, value, and transparency.
1. Kiwi
- Joining/Annual Fee: Lifetime free
- UPI Cashback:
- Minimum 1.5% cashback on all offline UPI spends. This cashback is instantly credited as Kiwi in your Kiwi account.
- Up to 5% cashback for Kiwi Neon members (annual membership fee: ₹999+ GST)
- The cashback is capped at 1% of your credit card limit
Why It Stands Out: If you are a heavy UPI spender, this card is for you. It works for most UPI scanners. You get real cashback (not coins or points) which can be withdrawn into your bank account. It’s a lifetime free card.
2. Axis Bank SuperMoney RuPay Credit Card
- Joining/Annual Fee: NIL (Lifetime Free)
- UPI Cashback: 3% on UPI spends (Cashback capped at INR 500 per billing cycle)
Why It Stands Out: Axis Bank’s SuperMoney card provides good value for everyday payments with 3% cashback (Cashback capped at INR 500 per billing cycle) on UPI transactions. It’s lifetime-free and easy to get through a simple digital process, making it a practical option for regular UPI users looking for basic rewards.
3. Jupiter Edge+ RuPay Credit Card
- Joining/Annual Fee: NIL (Lifetime Free)
- UPI Cashback: 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).
Why It Stands Out: The Jupiter Edge+ card is ideal for people who spend heavily on online shopping. The app experience is modern and intuitive, making it easy to manage spending and track rewards.
4. Scapia RuPay Credit Card
Joining/Annual Fee: Lifetime free
UPI Cashback:
- 0% on UPI spends below ₹500
- Rewards applicable only on UPI transactions above ₹500
- Rewards credited as Scapia Coins
- Coins can be redeemed only for travel bookings on the Scapia app
Why It Stands Out:
Issued by Federal Bank, Scapia is built for frequent travelers rather than daily UPI users. While UPI rewards are limited, the card offers zero forex markup and strong value on travel bookings. Best suited for users who prioritise travel benefits over everyday cashback.
5. IDFC First Millennia RuPay Credit Card
Joining/Annual Fee: Lifetime free
UPI Cashback:
- 1% reward value on UPI spends
- Rewards credited as IDFC First Reward Points
- Rewards are adjusted against the credit card bill
- No minimum transaction threshold
Why It Stands Out:
Issued by IDFC First Bank, this card offers a balanced mix of UPI rewards, lounge access, and zero annual fees. It doesn’t offer flashy cashback rates, but the absence of caps and fees makes it a reliable everyday RuPay card for moderate spenders.
Why These RuPay Cards Lead in 2026
Each of these cards has been rated highly by users for:
– Seamless UPI linking via apps like PhonePe, Paytm, and Google Pay
– Transparent cashback structure with no hidden limits
– Fast virtual issuance and easy digital onboarding
– High-value rewards and flexible redemption options
The Kiwi RuPay Credit Card especially shines in user feedback for its clarity, zero charges, and high cashback via the Neon plan.
Final Thoughts
RuPay credit cards have evolved into powerful tools for managing digital payments and earning rewards. Whether you want lifetime-free benefits, premium perks, or maximum cashback on UPI, the five cards above deliver excellent value in 2026.
If you’re a frequent UPI spender, start with RuPay Credit Card issued on Kiwi app — it’s simple, free, and built for India’s growing digital-first lifestyle.
