Best UPI Credit Card in 2026 (Top 5)
RuPay-based UPI payments are more rewarding than traditional direct-bank-based transactions, which is why you see so many RuPay-based cashback campaigns on your favorite UPI apps. Several UPI-based apps now offer assured or flat cashback on every UPI payment. Popular examples include Kiwi, Super.money, and others. You can take a look at the Best UPI Apps for Cashback.
Many of these apps provide cashback when you use a co-branded RuPay credit card, making everyday UPI spending more beneficial.
In this article, we’ll look at some popular UPI credit cards. Having at least one of these can help you save a good amount on daily expenses, as RuPay credit cards typically offer around 1% to 5% cashback on every transaction. So, let’s take a look at the best UPI credit cards for 2026.
Top Rupay Credit Card 2026
| Credit Card | UPI Cashback | Minimum UPI Amount | Key Benefit | Bank | Annual Fee | Apply |
|---|---|---|---|---|---|---|
| Pop Club RuPay Credit Card | Flat 5% | ₹25 | Highest flat cashback on UPI merchant payments | Yes Bank | Lifetime Free | Apply via Pop UPI App |
| Super.money SuperCard Pro | Flat 3% | ₹100 | Simple, no milestones or categories | Axis Bank | Lifetime Free | Apply via Super.money App |
| Kiwi RuPay Credit Card | 1.5% – 5% | ₹100 | Cashback increases with yearly spend milestones | Yes Bank | Lifetime Free | Apply via Kiwi App |
| Jupiter Edge+ RuPay Credit Card | 2% on UPI | ₹100 | Extra cashback on shopping & travel + Prime offer | CSB Bank | Lifetime Free | Apply via Jupiter App |
| Tata Neu RuPay Credit Card | 1% (NeuCoins) | No fixed limit | Best for Tata brands like BigBasket & Croma | HDFC Bank | Paid | Apply via Tata Neu App |
1. Pop Club Yes Bank Credit Card: Flat 5% Cashback on UPI
Pop Club is the #1 choice right now. If you use the Pop app, you’ve probably seen this card already. The biggest reason it stays at the top is very simple: It gives flat 5% cashback on UPI merchant transactions.
And unlike many cards, the minimum transaction amount is just ₹100. That alone makes it a killer option because most cashback cards have annoying minimum spend rules.
Apply for POP-Club RuPay credit card and get flat ₹251 cashback, along with several other joining perks. With POPClub card, you get flat 5% cashback on every merchant UPI transaction above ₹25.
Why I keep this card on #1:
- Flat 5% cashback on UPI merchant payments
- Minimum spend for cashback: ₹25
- Lifetime free
- Backed by Yes Bank
- Very easy approval inside Pop Club app
If your main motive is saving on UPI, this is the strongest card right now.
See Also: Yes Bank Kiwi vs Pop Club Credit Card Comparison (Lifetime Free, 2025)
2. SuperCard Pro— 3% UPI Cashback
Super.money SuperCard Pro is the 2nd best UPI credit card in terms of cashback. It gives 3% cashback on all eligible UPI merchant payments above ₹100.
- Flat 3% UPI cashback
- Minimum ₹100 transaction
- Lifetime free
- Issued by Axis Bank
- Available to apply inside Super.money app
If your only requirement is: “Give me a simple UPI cashback card,” then this is that card.
Super.money offers two variants, the FD-based SuperCard and the non-FD card SuperCard Pro issued by Axis Bank. Apply for SuperCard Pro to get higher cashback.
3. Kiwi Yes Bank Credit Card — 1.5% to 5% (Milestone-Based)
Kiwi is one of the first apps that started pushing RuPay-based UPI credit card payments. And they built their rewards in a very smart way. You get 1.5% assured cashback on UPI transactions above ₹100, but the real benefit is the milestone-based structure:
Use referral code ZYC769 during sign-up, and then apply for Kiwi Yes Bank Rupay credit card to get an assured ₹100 cashback on your first Rupay UPI payment upon card approval.
- After ₹50,000 yearly spend → extra cashback
- After ₹1,00,000 → more cashback
- After ₹1,50,000 → even more
Your cashback keeps increasing from 2% → 3% → 4% → 5% based on how much you spend via UPI.
Example:
If your total yearly UPI spend is around ₹1.5 lakh, you will roughly earn ₹7,500 cashback, which is honestly great for daily payments.
Why I keep Kiwi in the top 3:
- Assured 1.5% cashback
- Up to 5% with milestones
- UPI payments focus
- Easy to apply inside Kiwi app
If you’re a heavy UPI user, this card has huge long-term value.
4. Jupiter–CSB Edge+ Credit Card
You can apply for the Jupiter Edge+ Credit Card issued by CSB Bank through Jupiter app. It offers 10% cashback on popular shopping sites such as Amazon, Flipkart, and Myntra. It also provides 5% cashback on travel bookings made via MakeMyTrip, Yatra, and EaseMyTrip, along with 2% cashback on UPI payments.
The card also comes with a free 1-year Amazon Prime membership if you apply using a referral link.
5. Tata Neu HDFC RuPay Credit Card
Tata Neu is a co-branded card backed by HDFC Bank. It’s not lifetime free (which is one drawback), but if you shop frequently inside the Tata ecosystem, this card offers extra value.
Rewards:
- 1% cashback (NeuCoins) on UPI
- Higher value on:
- BigBasket
- 1MG
- Puma
- Croma
- Many other Tata brands
Each NeuCoin = ₹1
So rewards are very easy to redeem across Tata brands.
This is not the best card purely for UPI cashback, but it still earns a place in the top 5 because of how widely usable the NeuCoins are.
| Credit Card | UPI Cashback | Minimum Transaction | Special Conditions / Notes | Bank | Annual Fee |
|---|---|---|---|---|---|
| Pop Club Yes Bank Credit Card | Flat 5% | ₹25 | No categories, no milestones. Works on all eligible UPI merchant payments. | Yes Bank | Lifetime Free (₹251 Bonus) |
| SuperMoney Axis Bank Super Pro Credit Card | Flat 3% | ₹100 | Straight cashback, no category or milestone rules. | Axis Bank | Lifetime Free (+ Up to ₹500 Bonus) |
| Kiwi Yes Bank Credit Card | 1.5% to 5% | ₹100 | Cashback increases with milestones: 2% → 3% → 4% → up to 5%. Great for yearly spends like ₹50K/₹1L/₹1.5L. | Yes Bank | Lifetime Free (+100 Bonus) |
| Jupiter – CSB Bank RuPay Credit Card | 2% on Favourite Category | ₹100 | You must select correct MCC category (Shopping, Food, Travel). Can change every 3 months. 0.4–1% on others. | CSB Bank | Lifetime Free (+₹500 Bonus) |
| Tata Neu HDFC RuPay Credit Card | 1% (NeuCoins) | Higher rewards inside Tata ecosystem (BigBasket, 1MG, Croma, Titan, etc.). | HDFC Bank | Paid (Not LTF) |
Final Thoughts
All five cards are strong, but if you want my personal suggestion, pick one or two from these three:
- Pop Club Credit Card
- SuperMoney Super Pro Credit Card
- Kiwi Yes Bank Credit Card
These three are the hottest UPI cashback credit cards in 2025; they are lifetime free, and they genuinely help you save 2–5% on daily UPI payments.
If you don’t want too many cards, just pick one between Pop Club or Kiwi.
