{"id":359,"date":"2025-11-15T11:39:31","date_gmt":"2025-11-15T11:39:31","guid":{"rendered":"https:\/\/gokiwi.in\/blog\/?p=359"},"modified":"2025-12-24T07:46:38","modified_gmt":"2025-12-24T07:46:38","slug":"top-5-upi-credit-card-in-india","status":"publish","type":"post","link":"https:\/\/gokiwi.in\/blog\/top-5-upi-credit-card-in-india\/","title":{"rendered":"Top 5 UPI Credit Card in India for 2026"},"content":{"rendered":"\n

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\u2019s where the UPI<\/strong> Credit Card<\/strong><\/a> <\/strong>comes in \u2014 the comfort of UPI with the power of credit.<\/p>\n\n\n\n

Let\u2019s explore the Top 5 UPI Credit Cards in India for 2026<\/strong>, including the UPI<\/strong> Credit Card via Kiwi<\/strong><\/a>, one of the best options for frequent UPI users.<\/p>\n\n\n\n

1. Credit Card via Kiwi<\/strong><\/h2>\n\n\n\n

Best for:<\/strong> People who use UPI for most of their daily spends<\/p>\n\n\n\n

    \n
  • Minimum 1.5% cashback<\/strong> on all offline UPI transactions<\/li>\n\n\n\n
  • Up to 5% cashback<\/strong> for Kiwi Neon members<\/li>\n\n\n\n
  • Real cashback<\/strong> \u2014 withdraw directly to your bank account<\/li>\n\n\n\n
  • Lifetime free<\/strong> \u2014 no joining or annual charges. Neon membership (optional) costs \u20b9999+GST\/year. <\/li>\n\n\n\n
  • Seamless UPI payments<\/strong> through the Kiwi app<\/li>\n<\/ul>\n\n\n\n

    Why choose it:<\/strong> Perfect for people who rely heavily on UPI for daily payments and want instant, real cashback.<\/p>\n\n\n\n

    2. HDFC Bank UPI RuPay Credit Card<\/strong><\/h2>\n\n\n\n

    Best for:<\/strong> Everyday UPI shoppers<\/p>\n\n\n\n

      \n
    • Earn 3% CashPoints<\/strong> on groceries, dining, and supermarket UPI payments<\/li>\n\n\n\n
    • 1% on other spends<\/li>\n\n\n\n
    • Works on all major UPI apps<\/li>\n\n\n\n
    • Annual Fee:<\/strong> \u20b999 (waived on minimum annual spends.<\/li>\n<\/ul>\n\n\n\n

      Why choose it:<\/strong> Low-cost and easy to use for regular UPI transactions.<\/p>\n\n\n\n

      3. Tata Neu Infinity HDFC Bank RuPay Credit Card<\/strong><\/h2>\n\n\n\n

      Best for:<\/strong> Tata ecosystem users and premium UPI spends<\/p>\n\n\n\n

        \n
      • Earn 1.5% NeuCoins<\/strong> on UPI spends<\/li>\n\n\n\n
      • Up to 5% NeuCoins<\/strong> on Tata brand purchases<\/li>\n\n\n\n
      • NeuCoins redeemable at 1:1 value<\/strong> across Tata apps<\/li>\n\n\n\n
      • Domestic and international lounge access included<\/li>\n\n\n\n
      • Annual Fee: \u20b91,499 + GST<\/strong> (waiver possible on spends)<\/li>\n<\/ul>\n\n\n\n

        Why choose it:<\/strong>
        Best for users who frequently shop on Tata platforms and want rewards on both UPI and card spends<\/strong>.<\/p>\n\n\n\n

        4. AU Bank InstaPay RuPay Credit Card<\/strong><\/h2>\n\n\n\n

        Best for:<\/strong> Daily essentials and grocery UPI payments<\/p>\n\n\n\n

          \n
        • 1% cashback<\/strong> on UPI spends at groceries, pharmacies, and departmental stores<\/li>\n\n\n\n
        • Cashback credited directly to the card statement<\/strong><\/li>\n\n\n\n
        • Lifetime free card<\/li>\n\n\n\n
        • Works seamlessly with all major UPI apps<\/li>\n<\/ul>\n\n\n\n

          Why choose it:<\/strong>
          A solid no-fee UPI credit card<\/strong> for predictable daily expenses and essential spending.<\/p>\n\n\n\n

          5. Axis Bank SuperMoney RuPay Credit Card<\/strong><\/h2>\n\n\n\n

          Best for:<\/strong> Flat cashback lovers<\/p>\n\n\n\n

            \n
          • Lifetime free<\/strong> card<\/li>\n\n\n\n
          • Up to 3% cashback<\/strong> on UPI scan-and-pay spends (capped)<\/li>\n\n\n\n
          • 1% cashback on other spends<\/li>\n\n\n\n
          • Easy to link and manage through the Axis app<\/li>\n<\/ul>\n\n\n\n

            Why choose it:<\/strong> Simple cashback structure, perfect for everyday payments.<\/p>\n\n\n\n

            How to Link Your RuPay Credit Card to UPI<\/strong><\/h2>\n\n\n\n
              \n
            1. Open your preferred UPI app<\/li>\n\n\n\n
            2. Go to \u201cAdd Payment Method\u201d \u2192 \u201cCredit Card.\u201d<\/strong><\/li>\n\n\n\n
            3. Select your bank<\/strong> and enter card details.<\/li>\n\n\n\n
            4. Verify using OTP and set a UPI PIN.
              <\/li>\n<\/ol>\n\n\n\n

              Now you can pay using your credit card via UPI \u2014 just scan and pay.<\/p>\n\n\n\n

              Final Thoughts<\/strong><\/h2>\n\n\n\n

              UPI Credit card combines UPI convenience<\/strong> with credit card rewards<\/strong>, making them a smart choice for 2026. If you want a lifetime-free card<\/strong> that gives real cashback instantly<\/strong>, the UPI<\/strong> Credit Card\u00a0 via Kiwi<\/strong> is your best option.
              <\/p>\n\n\n\n

              <\/p>\n","protected":false},"excerpt":{"rendered":"

              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\u2019s where the UPI Credit Card comes in \u2014 the comfort of UPI with the power of credit. Let\u2019s explore the Top 5 UPI Credit Cards in […]<\/p>\n","protected":false},"author":2,"featured_media":384,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[14],"class_list":["post-359","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-upi-credit-card","tag-upi-credit-card"],"yoast_head":"\nTop 5 UPI Credit Card in India for 2026<\/title>\n<meta name=\"description\" content=\"Let\u2019s explore the Top 5 Credit Cards for UPI in India for 2026, including the UPI Credit Card via Kiwi, one of the best option for UPI users.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gokiwi.in\/blog\/top-5-upi-credit-card-in-india\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Top 5 UPI Credit Card in India for 2026\" \/>\n<meta property=\"og:description\" content=\"Let\u2019s explore the Top 5 Credit Cards for UPI in India for 2026, including the UPI Credit Card via Kiwi, one of the best option for UPI users.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/gokiwi.in\/blog\/top-5-upi-credit-card-in-india\/\" \/>\n<meta property=\"og:site_name\" content=\"Gokiwi Blog\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-15T11:39:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-24T07:46:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2025\/11\/Top-5-UPI-Credit-Card-in-India.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Kiwi Author\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kiwi Author\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/gokiwi.in\/blog\/top-5-upi-credit-card-in-india\/\",\"url\":\"https:\/\/gokiwi.in\/blog\/top-5-upi-credit-card-in-india\/\",\"name\":\"Top 5 UPI Credit Card in India for 2026\",\"isPartOf\":{\"@id\":\"https:\/\/gokiwi.in\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/gokiwi.in\/blog\/top-5-upi-credit-card-in-india\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/gokiwi.in\/blog\/top-5-upi-credit-card-in-india\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2025\/11\/Top-5-UPI-Credit-Card-in-India.jpg\",\"datePublished\":\"2025-11-15T11:39:31+00:00\",\"dateModified\":\"2025-12-24T07:46:38+00:00\",\"author\":{\"@id\":\"https:\/\/gokiwi.in\/blog\/#\/schema\/person\/b9dfeb0d13bbfce27f5fc00554d842fd\"},\"description\":\"Let\u2019s explore the Top 5 Credit Cards for UPI in India for 2026, including the UPI Credit Card via Kiwi, one of the best option for UPI users.\",\"breadcrumb\":{\"@id\":\"https:\/\/gokiwi.in\/blog\/top-5-upi-credit-card-in-india\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/gokiwi.in\/blog\/top-5-upi-credit-card-in-india\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/gokiwi.in\/blog\/top-5-upi-credit-card-in-india\/#primaryimage\",\"url\":\"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2025\/11\/Top-5-UPI-Credit-Card-in-India.jpg\",\"contentUrl\":\"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2025\/11\/Top-5-UPI-Credit-Card-in-India.jpg\",\"width\":1920,\"height\":1080,\"caption\":\"Top 5 UPI Credit Card in India comparison\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/gokiwi.in\/blog\/top-5-upi-credit-card-in-india\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/gokiwi.in\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Top 5 UPI Credit Card in India for 2026\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/gokiwi.in\/blog\/#website\",\"url\":\"https:\/\/gokiwi.in\/blog\/\",\"name\":\"Gokiwi Blog\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/gokiwi.in\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/gokiwi.in\/blog\/#\/schema\/person\/b9dfeb0d13bbfce27f5fc00554d842fd\",\"name\":\"Kiwi Author\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/gokiwi.in\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/aedaf0bfef359011a48ba25f9f7b5929?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/aedaf0bfef359011a48ba25f9f7b5929?s=96&d=mm&r=g\",\"caption\":\"Kiwi Author\"},\"url\":\"https:\/\/gokiwi.in\/blog\/author\/kiwi_author\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Top 5 UPI Credit Card in India for 2026","description":"Let\u2019s explore the Top 5 Credit Cards for UPI in India for 2026, including the UPI Credit Card via Kiwi, one of the best option for UPI users.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/gokiwi.in\/blog\/top-5-upi-credit-card-in-india\/","og_locale":"en_US","og_type":"article","og_title":"Top 5 UPI Credit Card in India for 2026","og_description":"Let\u2019s explore the Top 5 Credit Cards for UPI in India for 2026, including the UPI Credit Card via Kiwi, one of the best option for UPI users.","og_url":"https:\/\/gokiwi.in\/blog\/top-5-upi-credit-card-in-india\/","og_site_name":"Gokiwi Blog","article_published_time":"2025-11-15T11:39:31+00:00","article_modified_time":"2025-12-24T07:46:38+00:00","og_image":[{"width":1920,"height":1080,"url":"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2025\/11\/Top-5-UPI-Credit-Card-in-India.jpg","type":"image\/jpeg"}],"author":"Kiwi Author","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Kiwi Author","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/gokiwi.in\/blog\/top-5-upi-credit-card-in-india\/","url":"https:\/\/gokiwi.in\/blog\/top-5-upi-credit-card-in-india\/","name":"Top 5 UPI Credit Card in India for 2026","isPartOf":{"@id":"https:\/\/gokiwi.in\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/gokiwi.in\/blog\/top-5-upi-credit-card-in-india\/#primaryimage"},"image":{"@id":"https:\/\/gokiwi.in\/blog\/top-5-upi-credit-card-in-india\/#primaryimage"},"thumbnailUrl":"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2025\/11\/Top-5-UPI-Credit-Card-in-India.jpg","datePublished":"2025-11-15T11:39:31+00:00","dateModified":"2025-12-24T07:46:38+00:00","author":{"@id":"https:\/\/gokiwi.in\/blog\/#\/schema\/person\/b9dfeb0d13bbfce27f5fc00554d842fd"},"description":"Let\u2019s explore the Top 5 Credit Cards for UPI in India for 2026, including the UPI Credit Card via Kiwi, one of the best option for UPI users.","breadcrumb":{"@id":"https:\/\/gokiwi.in\/blog\/top-5-upi-credit-card-in-india\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/gokiwi.in\/blog\/top-5-upi-credit-card-in-india\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/gokiwi.in\/blog\/top-5-upi-credit-card-in-india\/#primaryimage","url":"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2025\/11\/Top-5-UPI-Credit-Card-in-India.jpg","contentUrl":"https:\/\/gokiwi.in\/blog\/wp-content\/uploads\/2025\/11\/Top-5-UPI-Credit-Card-in-India.jpg","width":1920,"height":1080,"caption":"Top 5 UPI Credit Card in India comparison"},{"@type":"BreadcrumbList","@id":"https:\/\/gokiwi.in\/blog\/top-5-upi-credit-card-in-india\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/gokiwi.in\/blog\/"},{"@type":"ListItem","position":2,"name":"Top 5 UPI Credit Card in India for 2026"}]},{"@type":"WebSite","@id":"https:\/\/gokiwi.in\/blog\/#website","url":"https:\/\/gokiwi.in\/blog\/","name":"Gokiwi Blog","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/gokiwi.in\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/gokiwi.in\/blog\/#\/schema\/person\/b9dfeb0d13bbfce27f5fc00554d842fd","name":"Kiwi Author","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/gokiwi.in\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/aedaf0bfef359011a48ba25f9f7b5929?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/aedaf0bfef359011a48ba25f9f7b5929?s=96&d=mm&r=g","caption":"Kiwi Author"},"url":"https:\/\/gokiwi.in\/blog\/author\/kiwi_author\/"}]}},"_links":{"self":[{"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/posts\/359"}],"collection":[{"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/comments?post=359"}],"version-history":[{"count":2,"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/posts\/359\/revisions"}],"predecessor-version":[{"id":385,"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/posts\/359\/revisions\/385"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/media\/384"}],"wp:attachment":[{"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/media?parent=359"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/categories?post=359"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gokiwi.in\/blog\/wp-json\/wp\/v2\/tags?post=359"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}