Which Credit Card Gives the Best Rewards on UPI Transactions?

[Arunkkumar]

Hi everyone, 👋

I'm currently exploring credit card options that offer good rewards or benefits on UPI transactions and daily spends (like groceries, fuel, etc.).

I’ve come across cards like the Kiwi UPI credit card, Tata Neu HDFC card, IDFC cc which I’ve heard provide decent cashback or NeuCoins on UPI and daily use – but would love to hear your thoughts or real experiences with them. 🤔💸

To add context, I’m currently using the HDFC Swiggy Credit Card, which is okay for food delivery, but I’m now looking for a card that also performs well on UPI platforms like PhonePe, GPay, Paytm, etc., especially for daily essentials and utility payments.

Would really appreciate if you could suggest some good options – even lesser-known cards with solid UPI support or reward structure are welcome!

Thanks in advance! 🙏

 

[helloworld]

Kiwi or check this

Thread 'Suggest Rupay credit card'

Apr 3, 2025

Looking for a RuPay card that meets the following requirements:

• Must work without a minimum spend of ₹2000
• Should have the same reward rate across different apps (not just the issuer’s app)
• Must earn reward points on grocery purchases and roadside eating places
• At least 1% reward rate or cashback

I haven't been tracking RuPay cards much lately, so if any fit these criteria, please let me know. Thanks in advance!

Special Thanks!

@Hemang : Axis Airtel Rupay (1% offline spends)
@2025 : AU InstaPay (1% on selected categories include eating places, grocery and...

• helloworld
• Replies: 37
• Forum: Suggest me a Credit Card

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[omyogainternational]

When looking for the best credit card for UPI transactions, focus on those offering high rewards for digital payments. Cards like the HDFC Bank Millennia, ICICI Bank Amazon Pay, and SBI Card Elite provide excellent cashback, points, or discounts for UPI usage, maximizing your rewards with every transaction.

 

[helloworld]

When looking for the best credit card for UPI transactions, focus on those offering high rewards for digital payments. Cards like the HDFC Bank Millennia, ICICI Bank Amazon Pay, and SBI Card Elite provide excellent cashback, points, or discounts for UPI usage, maximizing your rewards with every transaction.

😀 when copy pasting chatgpt, check response once whether it matched to the requirement or not.