Best UPI Credit Card in 2025 (Top 5)
If you are someone who uses UPI every day for groceries, food, etc. Then a RuPay credit card can make a big difference. Because earlier, UPI meant linking your bank account and paying directly. But now, there is a second option: UPI through RuPay credit cards. RuPay card enables you to make merchant UPI payments and earn cashback on top of your normal spending.
There are a lot of apps pushing RuPay credit cards because the government wants more people to use them. That’s why you’re seeing better rewards on UPI payments via RuPay cards. With those cards, you can easily save 2% to 5% on your everyday spending.
- For example, Kiwi gives you incremental cashback. If your yearly spending is around ₹1.5 lakh, then it alone gives you around ₹7,500 cashback.
Also, UPI apps like CRED, Jupiter, Pop UPI, Kiwi, and Super.money, offer a flat cashback on UPI payments with RuPay cards. So below, I’m listing the top 5 UPI cashback credit cards purely on the basis of their reward structure.
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.
Why I keep this card on #1:
- Flat 5% cashback on UPI merchant payments
- Minimum spend for cashback: ₹19
- 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 stays at #2. 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.
See Also: SuperCard Pro Credit Card: Flat 3% Cashback on UPI Payments [Check Details]
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:
- 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 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.
See Also:
4. Jupiter–CSB Edge+ Credit Card
Jupiter’s credit card is basically the CSB Bank RuPay card you can apply for inside the Jupiter app. When you apply through Jupiter, you also get the ₹500 joining bonus (as we already discussed earlier).
This card is a 3-in-1 card, where you select your favourite categories, such as:
- Shopping
- Food
- Travel
If you select the right favourite category, you get 2% cashback on those payments.
And on other categories, the cashback is around 0.4%–1%.
You can also change your favourite category once every 3 months.
But here’s the tricky part:
If the merchant category does not match your chosen favourite category, you simply won’t get 2%.
Example:
If you selected “Shopping” as your category but you pay at a restaurant, then the app will classify it under “Dining,” and you won’t get the 2%.
Important points:
- Minimum transaction amount: ₹100
- Cashback only when MCC matches your selected category
- Lifetime free
- ₹500 joining bonus via Jupiter referral
It’s still a good option if other cards aren’t available, but it’s not the most rewarding compared to Pop Club or SuperMoney because of the category restrictions.
See Also: Get Free Edge CSB Bank RuPay Credit Card with Jupiter | ₹500 Cashback Offer
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% | ₹19 | 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.
