Best Credit Cards for UPI Payments (RuPay) 2026

Why we picked it: Up to 3% cashback on UPI via the super.money app, and lifetime free.

• Up to 3% cashback on UPI via the super.money app
• Unlimited 1% cashback on all other spends
• Link to any UPI app
• Lifetime free

The 3% cashback is capped at the 1% cashback you earn in the same cycle (minimum ₹100). Transactions under ₹100 earn nothing.

Why we picked it: 1.5% NeuCoins on UPI through the Tata Neu UPI ID, plus 5% on Tata brands and lounge access.

• 5% NeuCoins on BigBasket, Croma, Tata CLiQ, 1mg, Westside
• 1.5% NeuCoins on UPI via Tata Neu UPI ID (RuPay)
• 1.5% NeuCoins on all other spends
• Domestic + international lounge access

UPI through other apps earns only 0.5%, and UPI rewards are capped at 500 NeuCoins a month. NeuCoins can only be used within Tata brands.

Why we picked it: 1.5% on scan & pay, rising to as much as 5% with Kiwi Neon for heavy UPI users.

• 1.5% cashback on UPI scan & pay
• 0.5% on online UPI payments
• Up to 5% with Kiwi Neon (₹999/yr)
• Instant digital card, lifetime free

The 5% rate needs Kiwi Neon (₹999/yr) and ₹1.5 lakh of yearly UPI spend. Fuel, utilities, rent and some other categories earn nothing.

Why we picked it: RuPay variant earns rewards on UPI, with zero forex on international spends.

• 0% forex markup on international spends
• 20% Scapia Coins (~4%) on travel booked in the Scapia app
• 10% Scapia Coins (~2%) on other spends
• Unlimited domestic lounge access

Lounge access requires ₹20,000 spend in the month. Coins redeem only on travel bookings in the Scapia app. International spends don't earn coins.

Why we picked it: RuPay card with UPI support and strong fuel, grocery and bill savings.

• Up to 6.5% savings on HPCL fuel
• 5% back on groceries & utility bills
• Works on UPI (RuPay)
• 1% fuel surcharge waiver