UPI Credit Cards have become a convenient way to combine everyday RuPay Credit Card spending with QR-based UPI payments. Instead of paying directly from a bank account, eligible users can link a RuPay credit card to a supported UPI app and use it for merchant scan-and-pay transactions.

However, not all UPI credit cards work the same way. Cashback rates, reward formats, annual fees, redemption options, spending caps, and additional benefits can vary significantly. Some cards focus mainly on UPI cashback, while others provide higher rewards for shopping, travel, or online purchases.

Here are some UPI credit cards available in India and how their features differ.

1. Kiwi RuPay Credit Card

The Kiwi RuPay Credit Card is issued through partner banks such as YES Bank or AU Small Finance Bank and can be linked to UPI through the Kiwi app.

It is designed primarily for users who regularly make merchant UPI payments and prefer straightforward cashback.

Key Benefits

• Minimum 1.5% cashback on eligible offline UPI spends
• Up to 5% cashback for eligible Kiwi Neon members
• Cashback can be transferred to a bank account
• Lifetime-free base card with no joining or annual fee
• Optional Kiwi Neon membership at ₹999 per year
• Selected lounge benefits available with Neon

The cashback is capped according to the applicable credit limit and programme terms.

One limitation is that online spending earns a lower cashback rate compared with eligible offline UPI transactions.

Who May Consider It?

It can suit users who frequently use UPI for merchant payments and prefer cashback rather than reward points or vouchers.

2. Jupiter Edge+ RuPay Credit Card

Jupiter Edge+ is a RuPay credit card issued by CSB Bank. Its reward structure focuses more heavily on selected online shopping and travel categories.

Key Benefits

• Around 1% cashback value on eligible UPI spending
• Higher rewards on selected shopping platforms
• Up to 10% cashback on eligible shopping transactions
• Up to 5% cashback on selected travel bookings
• Rewards credited as Jewels
• Jewels can be redeemed through the Jupiter ecosystem

One Jewel is valued at ₹0.20 according to the provided reward structure.

The card has a joining fee of approximately ₹499, while subsequent annual fees may not apply under the stated offering.

Things to Consider

Higher rewards depend on selected categories and monthly caps. Users may also need to choose a preferred reward category, and changes may be restricted for multiple billing cycles.

This can make the card more suitable for users whose spending matches its shopping or travel reward categories.

3. Scapia RuPay Credit Card

The Scapia Credit Card is issued by Federal Bank and is available in RuPay and Visa variants. The RuPay version can be linked to UPI.

Its main focus is travel-related rewards rather than everyday cashback.

Key Benefits

• Lifetime-free card under the stated structure
• Rewards through Scapia Coins
• Rewards on qualifying UPI transactions above the applicable threshold
• Higher rewards on travel bookings through the Scapia app
• Zero forex markup on eligible international spends
• Domestic airport lounge benefits subject to monthly spend requirements

Scapia Coins are valued at ₹0.20 per coin and can be redeemed for travel-related bookings within the Scapia platform.

Things to Consider

UPI rewards apply only after meeting specified transaction conditions, and Scapia Coins cannot be withdrawn as cash.

The card may therefore be more relevant to frequent travellers than users looking only for everyday UPI cashback.

4. SuperMoney RuPay Credit Card

The SuperMoney RuPay Credit Card is issued by Axis Bank and can be used for UPI scan-and-pay transactions through the SuperMoney app.

Key Benefits

• 3% cashback on eligible UPI spending
• Cashback capped at ₹500 per billing cycle
• 1% cashback on other eligible spends
• Lifetime-free card with no joining or annual fee
• Cashback can reduce the monthly credit card bill

This reward structure is relatively straightforward because users receive cashback instead of managing multiple reward categories.

Things to Consider

The ₹500 billing-cycle cap can limit the value for users with higher monthly UPI spending.

Cashback is also adjusted against the card account rather than transferred directly to a bank account.

5. IDFC First Millennia RuPay Credit Card

The IDFC First Millennia RuPay Credit Card can be linked to supported UPI apps and is designed for everyday online, offline, and UPI spending.

Key Benefits

• 1% reward value on eligible UPI transactions
• 3% reward value on selected online spends
• 2% reward value on eligible offline spends
• Lifetime-free card under the stated offering
• Rewards credited as IDFC First Reward Points
• Reward points can be converted into statement credit
• Selected lounge access and fuel surcharge benefits may apply

The reward format provides value across multiple spending categories rather than concentrating only on UPI.

Things to Consider

The card does not provide the same accelerated merchant-specific rewards offered by some other cards.

Rewards are generally redeemed against the credit card bill rather than transferred to a bank account.

Cashback on a ₹100 UPI Transaction

The actual value earned from a ₹100 transaction can vary significantly across cards.

Based on the provided reward structures:

• Kiwi may provide around ₹1.50 in cashback on an eligible transaction.
• Jupiter may provide around ₹1 in reward value.
• Scapia may not provide a reward if the minimum transaction requirement is not met.
• SuperMoney may provide around ₹3 in cashback, subject to its billing-cycle cap.
• IDFC First Millennia may provide around ₹1 in reward value.

These figures should be viewed together with cashback caps, redemption conditions, transaction thresholds, and other eligibility requirements.

What to Check Before Choosing a UPI Credit Card

Choosing between UPI cards should involve more than comparing the highest advertised cashback percentage.

UPI Cashback Rate

Check how much cashback or reward value applies specifically to UPI transactions rather than general credit card spending.

Reward Format

Some cards provide direct cashback, while others use points, Jewels, coins, or statement credits.

Cashback Caps

A higher percentage may be less useful when a low monthly or billing-cycle cap applies.

Minimum Transaction Requirements

Some cards only provide rewards when a transaction exceeds a specified amount.

Fees

Compare joining fees, annual fees, optional memberships, and any conditions required to keep the card free.

Redemption Options

Consider whether rewards can be transferred to a bank account, adjusted against the credit card bill, or used only within a particular ecosystem.

Conclusion

UPI Credit Cards can help users earn rewards on eligible merchant payments while continuing to use the familiar UPI scan-and-pay experience. Choosing the right RuPay Credit Card depends on how frequently you use UPI, whether you prefer direct cashback or reward points, and which additional benefits matter to you.

Kiwi focuses on UPI cashback, Jupiter Edge+ combines UPI with shopping rewards, Scapia focuses on travel, SuperMoney offers a higher UPI cashback rate with a billing-cycle cap, and IDFC First Millennia spreads rewards across online, offline, and UPI transactions.

Before selecting a card, review the latest cashback rates, fees, exclusions, reward caps, and redemption rules so the card aligns with your actual spending pattern.

FAQs

Can RuPay Credit Cards Be Used for UPI Payments?

Yes, eligible RuPay credit cards can be linked to supported UPI apps and used for qualifying merchant payments.

Which UPI Credit Card Gives Cashback on QR Payments?

Several cards, including Kiwi, SuperMoney, Jupiter Edge+, and IDFC First Millennia, provide cashback or reward value on eligible UPI QR transactions.

Is Cashback the Same on Every UPI Credit Card?

No, cashback rates, reward formats, caps, eligibility rules, and redemption options differ between cards.