The RuPay card network, India’s homegrown alternative to global players like Visa and Mastercard, is reshaping digital payments by integrating credit cards directly with UPI. This powerful combination is bringing the joy of earning rewards and building credit into a space once dominated by pure convenience. Where traditional UPI transactions offered speed but no perks, RuPay credit cards now unlock cashback, points, and credit-building potential—all while keeping the familiar UPI flow intact.
There are several RuPay credit card options available for UPI transactions. Let’s take a look at some of the most popular and trending ones:
Kiwi:
Kiwi Yes Bank RuPay Credit Card is a lifetime-free virtual RuPay card that enables seamless UPI payments to any merchant, combining the convenience of credit with the speed of UPI. Users benefit from up to 5% cashback on transactions and complimentary airport lounge access upon reaching specific spending milestones.
Kiwi Cashback Decoded:
- With the Kiwi Card, you earn cashback in the form of reward points, known as Kiwis.
- You earn 1% Kiwis ( For Non-Neon Members) on UPI Scan & Pay transactions and 0.5% Kiwis on other online spends. However, the transactions should be in multipliers of ₹50 only.
Value of Kiwis:
4 Kiwis = ₹1, which means each Kiwi is worth ₹0.25. This fixed value makes it easy to calculate your cashback earnings and redemptions. Table illustrating Kiwis earned on each transaction and their worth:
| Spend Amount | Kiwis Earned | Effective Cashback |
|---|---|---|
| ₹50 | 1 Kiwi | ₹0.25 |
| ₹100 | 2 Kiwis | ₹0.50 |
| ₹200 | 4 Kiwis | ₹1.00 |
Kiwis Redemption:
- The Kiwis can be redeemed into your "goaxb" UPI ID linked account at any time.
- The monthly cashback you can earn is capped at 1% of your credit limit. So, if your limit is ₹50,000, the maximum cashback you can receive in a month is ₹500. A higher credit limit unlocks greater cashback potential.
- Kiwis are not earned on spends in categories like jewelry, insurance, financial services, utilities, transportation, retail stores, education, government payments, and several others. Know More.
- You need to accumulate at least 500 Kiwis before redemption, and redemptions can be made in multiples of 500 Kiwis.
Cashback Enhancement Option: Kiwi Neon Membership:
Kiwi Neon is an optional premium membership designed for users who want to boost their rewards and enjoy exclusive perks. With an annual fee of ₹999 Neon members unlock enhanced cashback rates, milestone-based rewards, and airport lounge access. The more you spend via the Kiwi app, the more benefits you unlock.
With Kiwi Neon, you earn 2% Cashback (Kiwis) on all Kiwi UPI Scan & Pay transactions—double the standard rate & 0.5% Cashback on Online spends.
Additionally, maximize your cashback earnings with Kiwi Neon membership by completing specific milestones: Milestone Rewards (Based on Yearly Spends via Kiwi App)
| Yearly Spend Milestone | Cashback Rate | Lounge Access Benefit |
|---|---|---|
| ₹50,000+ | 3% cashback | +1 additional lounge access |
| ₹1,00,000+ | 4% cashback | +1 lounge access |
| ₹1,50,000+ | 5% cashback | +1 extra lounge access |
Eligibility Criteria for Kiwi Card:
| Criteria | Kiwi Requirements |
|---|---|
| Age | 25–60 years |
| Credit Score | Minimum 720 |
| Income | More than ₹3 Lakh annually |
Jupiter:
Jupiter CSB Edge RuPay Credit Card is a lifetime free (for the first 200K users only), 3-in-1 Switch RuPay credit card issued by CSB Bank in collaboration with Jupiter Money. It supports UPI, POS, and online transactions, offering unmatched flexibility for everyday payments.
You enjoy 2% assured cashback on one preferred category—shopping, travel, or dining—which you can switch every 3 months via the Jupiter app. All other UPI and credit card spends earn 0.4% cashback, ensuring you’re rewarded on every transaction.
Fully managed through the Jupiter app, the card offers smart spend tracking, real-time insights, and easy reward redemptions. Designed for digital-first users, this card combines convenience, control, and consistent rewards—with no joining or annual fees.
Jupiter Cashback Decoded:
Welcome Benefits: You receive a ₹250 voucher when you make your first transaction using the Jupiter CSB Edge RuPay Credit Card at any partner brand, including Swiggy, Amazon, Zomato, or Flipkart. A great way to start earning value from your very first spend!
Earn Cashback on Your Favorite Spending Category: With the Jupiter CSB Edge RuPay Credit Card, you earn reward points called Jewels on every transaction — but only in one of the three special categories listed below. You can switch your preferred category only once every 3 months.
| Category | Cashback Rate | Includes |
|---|---|---|
| Shopping | 2% cashback in Jewels | Fashion, groceries, electronics, and more |
| Travel | 2% cashback in Jewels | Flights, trains, hotels, and more |
| Dining | 2% cashback in Jewels | Food delivery, restaurants, and more |
Value of Jewels:
You earn 10 Jewels for every ₹100 spent, and 5 Jewels = ₹1, effectively giving you 2% cashback on eligible transactions.
Jewels Redemption:
- Jewels can be redeemed as one of the following:
- Gift Cards
- Digital Gold
- Cash (credited directly to the savings bank account linked with Jupiter)
- To earn and redeem Jewels on the Edge CSB RuPay Credit Card, you must pay the Minimum Amount Due on your latest bill. If this is not paid, all Jewels earned during that billing cycle will be locked and further reward accumulation will be paused until full payment is made. Read MITC
- Users can earn up to 15,000 Jewels per billing cycle, equivalent to ₹3,000 per month in cashback rewards on the Edge CSB RuPay Credit Card Details.
- Jewels have lifetime validity and do not expire under normal circumstances. However, they will lapse in the following cases:
- Inactivity: If the Edge CSB RuPay Credit Card is not used for more than 365 days, all accrued Jewels will be nullified.
- Non-payment: If outstanding dues remain unpaid for 90 days, all accumulated Jewels will lapse.
Eligibility Criteria for Jupiter Edge CSB Credit Card
| Criteria | Juipter Requirements |
|---|---|
| Age | 23–60 years |
| Credit Score | 700+ |
| Income | More than ₹2.5 Lakh annually |
Tata Neu HDFC Bank Credit Card:
It is a co-branded credit card that combines HDFC Bank’s trusted banking experience with Tata Neu’s dynamic rewards platform. Tailored for both frequent Tata brand shoppers and everyday spenders, this card lets you earn NeuCoins (up to 10%) on all eligible transactions—redeemable across the Tata Neu ecosystem, including brands like BigBasket, Croma, AirAsia India, and Tata 1mg.
This credit card is available in two RuPay variants, both enabled for UPI payments: • Tata Neu HDFC Bank Infinity RuPay Credit Card – The premium variant offering higher NeuCoin earnings, exclusive airport lounge access, and complimentary Tata Play subscriptions, making it ideal for high-spenders and lifestyle enthusiasts. • Tata Neu HDFC Bank Plus RuPay Credit Card – A mid-tier version offering strong NeuCoin rewards on Tata brand spends and everyday transactions, while also enabling UPI QR code payments via RuPay for added flexibility.
Tata Neu Cashback Decoded:
You earn cashback in the form of NeuCoins, which can be used across the Tata Neu ecosystem:
| Categories | NeuCard Infinity | NeuCard Plus |
|---|---|---|
| Tata Neu | 5% | 2% |
| Partner Tata Brands (Online and In-store Purchases) | 5% | 2% |
| Other Spends | 1.50% | 1% |
Value of Neu Coins:
Each NeuCoin is worth ₹1 and can be used seamlessly across eligible Tata brands.
Neu Coins Redemption:
- Fuel, government, rental, post-transaction EMI conversion and wallet load transactions are not eligible for earning NeuCoins.
Note- Currently, NeuCoins redemption option is not available on Air India, Tata Play, and Bill Payment on Tata Neu.
- Your NeuCoins expire 365 days after your last transaction, even if it’s just one NeuCoin earned or used.
- Redemption Cappings:
• Tata Neu Infinity HDFC Bank Credit Card – NeuCoins Earning Cap:
| Spending Category | NeuCoins Earning Rate | Monthly Cap | Annual Cap |
|---|---|---|---|
| Tata Partner Brands (Croma) | 5% | ₹3,00,000 | ₹9,00,000 |
| Tata Partner Brands (Tata CLiQ, Westside) | 5% | ₹2,00,000 | ₹12,00,000 |
| Tata Partner Brands (IHCL, Air India Express, Air India) | 5% | ₹4,00,000 | ₹15,00,000 |
| Grocery Transactions | Base rewards only (1%) | 2,000 NeuCoins | — |
| UPI via Tata Neu ID | 1.5% (0.5% + 1%) | 500 NeuCoins | — |
• Tata Neu Plus HDFC Bank Credit Card – NeuCoins Earning Cap:
| Spending Category | NeuCoins Earning Rate | Monthly Cap | Annual Cap |
|---|---|---|---|
| Tata Partner Brands (Croma) | 3% | ₹3,00,000 | ₹9,00,000 |
| Tata Partner Brands (Tata CLiQ, Westside) | 3% | ₹2,00,000 | ₹12,00,000 |
| Tata Partner Brands (IHCL, Air India Express, Air India) | 3% | ₹4,00,000 | ₹15,00,000 |
| Grocery Transactions | Base rewards only (1%) | 1,000 NeuCoins | — |
| UPI via any RuPay card | 1% | 500 NeuCoins | — |
- Redemption Options:
| Redemption on Mobile App / Website | Applicable Brands |
|---|---|
| via Tata Pay 1. Select ‘Tata Pay’ as payment option on payments page 2. Redeem desired amount of ‘NeuCoins’ on Tata Pay | 1. Tata Neu 2. AirAsia India 3. bigbasket 4. Croma 5. IHCL hotels |
| via ‘NeuCoins’ / ‘Use my NeuCoins’ / ‘Loyalty Redemption’ 1. Select ‘NeuCoins’ / ‘Use my NeuCoins’ / ‘Loyalty Redemption’ option on order page / payments page 2. Redeem the desired amount of NeuCoins | 1. Tata Cliq 2. Tata 1mg 3. Titan (via Tata Neu) 4. Tanishq (via Tata Neu) |
| Redemption at Stores | Applicable Brands |
|---|---|
| At Point of Sale / Cashier Desk 1. Voice out your Tata Neu Registered Mobile number to the cashier 2. The cashier will confirm the NeuCoins balance on your Tata Neu account 3. Confirm the amount of NeuCoins to be redeemed 4. Cashier will trigger an OTP to your registered mobile number to initiate redemption 5. Voice out the OTP to the cashier to complete your purchase using NeuCoins | 1. Croma 2. IHCL hotels |
Eligibility Criteria for Tata Neu Card(s):
For Salaried Customers:
| Criteria | Tata Neu Requirements |
|---|---|
| Age group | 18–65 years |
| Gross Monthly Income | > ₹25,000 for Tata Neu Plus HDFC Bank Credit Card |
| > ₹1,00,000 for Tata Neu Infinity HDFC Bank Credit Card |
For Self-employed Customers:
| Criteria | Tata Neu Requirements |
|---|---|
| Age group | 18–65 years |
| Last year ITR | > ₹6 Lakhs per annum for Tata Neu Plus HDFC Bank Credit Card |
| > ₹12 Lakhs per annum for Tata Neu Infinity HDFC Bank Credit Card |
The Best RuPay Credit Card for UPI Is:
When it comes to choosing the best RuPay credit card for UPI, it ultimately depends on your spending habits and lifestyle preferences. Each card has unique strengths tailored to different types of users.
If you're looking for a simple, flat cashback credit card that rewards you on every transaction—whether it's UPI or swipe—the Kiwi RuPay Credit Card is a great choice. It offers direct cashback in the form of Kiwis, which are easily redeemable to your bank account with no complex conditions.
For those who prefer customizable rewards, the Jupiter Edge CSB RuPay Credit Card is ideal. It lets you select your preferred spend category—shopping, travel, or dining and gives 2% assured cashback (as Jewels) on that category. You can switch your preferred category every 3 months and redeem Jewels as cash, digital gold, or gift vouchers.
If you're loyal to Tata brands and regularly shop on Tata Neu, Croma, BigBasket, Air India, or Westside, the Tata Neu HDFC Bank Credit Card (available in Infinity and Plus variants on the RuPay network) is your best bet. It rewards you with NeuCoins on every UPI and card transaction, which are redeemable across the Tata Neu ecosystem, giving you high value on brand-specific spending.
In Summary:
✅ Kiwi Card – Best for flat cashback on all UPI and card spends with bank credit redemption.
✅ Jupiter Edge Card – Best for category-based cashback with flexible redemption options.
✅ Tata Neu HDFC Card – Best for those who shop frequently within the Tata brand network, especially for UPI rewards.
Choose the card that best aligns with your UPI payment behavior, brand loyalty, and cashback expectations to make the most of every rupee you spend!
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