Best RuPay credit cards for UPI

Heads-up: All cashback stops at ₹400 a statement cycle — the 10% categories share that ceiling rather than each having their own. About ₹4,000 of…

Heads-up: A monthly cashback cap applies. Past it, spending earns nothing.

Heads-up: The fee is disputed. Kiwi markets the virtual card as lifetime free, while the PNB portal shows Rs. 750 + GST a year plus Rs. 500 for a…

Heads-up: Points cover at most 70% of a train fare, so the headline 5% is closer to 3.5% when you pay with points alone.

Heads-up: Reward Points redeem only against train ticket fare on IRCTC. They cannot be taken as cashback or statement credit.

Heads-up: Every tier is capped monthly: 1,000 CashPoints on EMI, 500 on the 2% tier and 500 on the 1% base rate. A large month earns no more than…

Heads-up: NeuCoins are spendable on Tata Neu and across Tata brands. They cannot be taken as cashback or statement credit.

Heads-up: The 5% and 3% tiers share a combined monthly cashback cap. Only the 1% base rate is uncapped.

Heads-up: Reward Points redeem only against train ticket fare on IRCTC. They cannot be taken as cashback, statement credit or airline miles.

Heads-up: This card is secured against a fixed deposit of Rs. 5,000 or more. The deposit is locked for as long as the card is held.

Heads-up: IndiGo does not publish a fixed value for a BluChip. Redemption is dynamic — roughly Rs. 0.40 to Rs. 0.60 a chip — so the headline earn…

Heads-up: This card is secured against a fixed deposit of Rs. 2,000 or more. The deposit is locked for as long as the card is held.

Heads-up: All cashback stops at ₹1,500 a statement cycle, with online capped at ₹1,000 inside that. About ₹24,000 of online spend a month reaches the…

Heads-up: This card is secured against a fixed deposit. The deposit is locked for as long as the card is held.

Heads-up: BluChips redeem only against IndiGo bookings, and IndiGo publishes no fixed rupee value — about Rs. 0.40 to Rs. 0.60 a chip.

Heads-up: 5 Jewels are worth Re. 1, so the accelerated 2% category is a real 2% only because Jewels are quoted as a percentage of spend — check the…

Heads-up: Reward Points redeem only against train ticket fare on IRCTC. They cannot be taken as cashback or statement credit.

Heads-up: SBI Card discontinued issuance of the Yatra SBI Card with effect from 28 March 2025. The welcome gift and all Yatra.com travel discount…

Heads-up: A Reward Point redeems at about Rs. 0.07, so 8 points per Rs. 150 is an effective return of roughly 0.4%. The headline rate is not the…

Heads-up: The 5% and 3% tiers share a combined monthly cashback cap. Only the 1% base rate is uncapped.

Heads-up: Scapia Coins redeem only against travel booked in the Scapia app. They cannot be taken as cashback, statement credit or airline miles.

Heads-up: This variant is secured against a fixed deposit of Rs. 50,000 or more. The deposit is locked for as long as the card is held.