Digital payments are now part of our daily routine, and UPI is used almost everywhere.
But did you know you can also save money while making UPI payments?
If you use a RuPay credit card for UPI transactions, you can earn 1 to 5 percent cashback on everyday expenses like groceries, fuel, online orders, cabs, and utility bills.
The best part is that your bank balance stays untouched because the payment happens through your credit card.
You simply repay the amount by the due date and enjoy cashback or reward points on every payment.
Here are the top 5 UPI-friendly credit cards in India and the benefits they offer.
Yes Bank Klick RuPay Credit Card
This is a lifetime free card with no joining or annual fees. It offers:
1.5% to 5% cashback on UPI payments
A virtual-only card, suitable for users who scan and pay daily
1.5% cashback for non-Kiwi members
2% to 5% cashback for Kiwi members (membership costs ₹999)
The cashback can be transferred directly to your linked bank account.
Axis Bank SuperMoney RuPay Credit Card
This card is a co-branded product from Axis Bank and SuperMoney.
Key benefits include:
Lifetime free (no joining or annual fee)
Available as both virtual and physical card
3% cashback on UPI payments made via the SuperMoney app
Monthly cashback capped at ₹500
The cashback can be moved to your linked bank account.
Tata Neu Infinity HDFC Bank Credit Card
If you frequently use the Tata Neu app for shopping or bill payments, this card can be a great fit.
Its benefits include:
1.5% cashback on UPI payments
A maximum of 500 NeuCoins per month
NeuCoins can be redeemed on the Tata Neu app or Tata stores
₹1499 joining/renewal fee, but the renewal fee is waived if you spend ₹3 lakh in a year
Slice Super Card
This lifetime free RuPay credit card offers:
1% to 3% cashback on UPI payments
Unlimited cashback in the form of Monies
Monies can be redeemed in the Slice app and transferred to your bank account
PhonePe SBI Card Select Black
If you want to use this card for UPI payments, choose the RuPay version.
Features include:
1% cashback on UPI payments
Up to ₹2,000 reward points per month
Each reward point is equal to ₹1
Points can be redeemed as statement credit or gift vouchers
