UPI has made payments simple and fast. From street vendors to supermarkets, everyone now accepts UPI. But what if your UPI payments could also earn cashback or rewards? That’s where the UPI Credit Card comes in — the comfort of UPI with the power of credit.
Let’s explore the Top 5 UPI Credit Cards in India for 2026, including the UPI Credit Card via Kiwi, one of the best options for frequent UPI users.
1. Credit Card via Kiwi
Best for: People who use UPI for most of their daily spends
- Minimum 1.5% cashback on all offline UPI transactions
- Up to 5% cashback for Kiwi Neon members
- Real cashback — withdraw directly to your bank account
- Lifetime free — no joining or annual charges. Neon membership (optional) costs ₹999+GST/year.
- Seamless UPI payments through the Kiwi app
Why choose it: Perfect for people who rely heavily on UPI for daily payments and want instant, real cashback.
2. HDFC Bank UPI RuPay Credit Card
Best for: Everyday UPI shoppers
- Earn 3% CashPoints on groceries, dining, and supermarket UPI payments
- 1% on other spends
- Works on all major UPI apps
- Annual Fee: ₹99 (waived on minimum annual spends.
Why choose it: Low-cost and easy to use for regular UPI transactions.
3. Tata Neu Infinity HDFC Bank RuPay Credit Card
Best for: Tata ecosystem users and premium UPI spends
- Earn 1.5% NeuCoins on UPI spends
- Up to 5% NeuCoins on Tata brand purchases
- NeuCoins redeemable at 1:1 value across Tata apps
- Domestic and international lounge access included
- Annual Fee: ₹1,499 + GST (waiver possible on spends)
Why choose it:
Best for users who frequently shop on Tata platforms and want rewards on both UPI and card spends.
4. AU Bank InstaPay RuPay Credit Card
Best for: Daily essentials and grocery UPI payments
- 1% cashback on UPI spends at groceries, pharmacies, and departmental stores
- Cashback credited directly to the card statement
- Lifetime free card
- Works seamlessly with all major UPI apps
Why choose it:
A solid no-fee UPI credit card for predictable daily expenses and essential spending.
5. Axis Bank SuperMoney RuPay Credit Card
Best for: Flat cashback lovers
- Lifetime free card
- Up to 3% cashback on UPI scan-and-pay spends (capped)
- 1% cashback on other spends
- Easy to link and manage through the Axis app
Why choose it: Simple cashback structure, perfect for everyday payments.
How to Link Your RuPay Credit Card to UPI
- Open your preferred UPI app
- Go to “Add Payment Method” → “Credit Card.”
- Select your bank and enter card details.
- Verify using OTP and set a UPI PIN.
Now you can pay using your credit card via UPI — just scan and pay.
Final Thoughts
UPI Credit card combines UPI convenience with credit card rewards, making them a smart choice for 2026. If you want a lifetime-free card that gives real cashback instantly, the UPI Credit Card via Kiwi is your best option.
