Synopsis: Everyday spends now earn real rewards with the latest RuPay credit cards. This article lists the 6 best credit cards that offer benefits for daily use.
India is seeing a massive development and growth in the credit card domain. The release of new and advanced cards each quarter may bring a lot of added benefits, but it also confuses the netizens on which one they should go with.
Those cards reserved for big shopping sprees are quite outdated in the competition, as the newer ones focus more on the features where cardholders are rewarded for the smallest spending.
RuPay cards have now changed credit cards into a tool that can even be used for daily errand runs. The focus has shifted from high-end travel perks to daily comfort and micro-savings. These 7 cards below are specifically created for people who scan QR code on a daily basis and use it as their major transactional tool.
Google Pay Flex Axis Bank Credit Card
- Best For: Best for milestone spends
- Annual Fee: ₹0 (Lifetime Free for early adopters).
- Joining Fee: Nil.
Comfort Factor: Lives entirely within the Google Pay app. You can apply, get a virtual card, and start scanning QRs.
Daily Use Benefit:
- Earn 1 Star for every ₹500 spent (Base)
- Unlock 2X (2 Stars) in the current cycle by spending ₹100 or more in the previous cycle
- 4X/8X accelerators after hitting milestones(promotional)
- 1 star = ₹1
Instant Redemption: Stars are applied as a discount on your very next transaction, no waiting for monthly statements.
Axis Bank SuperMoney RuPay Credit Card
- Best For: Higher cashback on neighborhood shopping.
- Annual Fee: ₹0 (Lifetime Free).
- Joining Fee: Nil.
Comfort Factor: Can be easily managed through the super money app.
Daily Use Benefit:
- 3% Cashback on UPI QR payments made via the super money app (Capped)
- 1% for other eligible spends*
Tata Neu Infinity HDFC Bank Card
- Best For: Daily grocery runs and household errands
- Annual Fee: ₹1,499 + Taxes (Waiveable on ₹3 Lakh annual spend).
- Joining Fee: ₹1,499 + Taxes
Comfort Factor: Wise choice for those who use BigBasket, 1mg, or Croma for their daily or weekly shopping.
Daily Use Benefit:
- 5% reward as NeuCoins on Tata Neu and partner Tata Brand Spends
- 5% back as NeuCoins on selected Tata Neu Spends after registering for Tata NeuPass
- 1.5% back as NeuCoins on other Non-UPI spend (capped at 500 NeuCoins per month)
HSBC RuPay Cashback Credit Card
- Best For: Daily food delivery and dine outs
- Annual Fee: ₹499 + taxes (Waivable on ₹2 Lakh annual spend).
- Joining Fee: ₹499 + taxes
Comfort Factor: Best used for frequent Swiggy, Zomato, and Instamart spends
Daily Use Benefit:
- 10% Cashback on dining, groceries, and food delivery.
- 1% Cashback on all other UPI retail scans (capped at ₹400 per month)
Jupiter Edge CSB Bank RuPay Card
- Best For: Games like rewards and automated spending categorizing.
- Annual Fee: ₹0 (Lifetime Free limited offer).
- Joining Fee: Nil.
Comfort Factor: The Jupiter app helps you track where your money goes by automatically categorising your Chai or Fuel spends.
Daily Use Benefit:
- 2% Cashback on a category of your choice (Shopping, Travel, or Dining).
- Rewards (“Jewels”) are credited instantly upon a successful scan.
- 1 Jewel = ₹0.20
IDFC FIRST Power+ RuPay Credit Card
- Best For: New credit users and daily travellers.
- Annual Fee: ₹499 + taxes (Waived on ₹1.5 Lakh annual spend).
- Joining Fee: ₹499 + taxes
Comfort Factor: Instant issuance and a mobile app for tracking miniscule spends.
Daily Use Benefit:
- 3X Reward Points on UPI scans apply to UPI spends > ₹2,000)
- Spends < ₹2k earn 1X
- 5% back as rewards on Grocery & Utility spends
Daily Usage Value Table
| Card Name | Best For | Annual Fee | Reward in |
| GPay Flex Axis | Paying bills on Google Pay | Lifetime Free | Stars |
| SuperMoney Axis | Shopping at local shops | Lifetime Free | Cashback |
| Tata Neu Infinity | Buying milk/grocery/medicine | ₹1,499 (Waivable) | NeuCoins |
| HSBC Cashback | Ordering food & daily grocery | ₹499 (Waivable) | Cashback |
| IDFC Power+ | Petrol & electricity bills | ₹499 (Waivable) | Reward Points |
| Jupiter Edge | Seeing where your money goes | Lifetime Free* | Jewels |
Important Notes on Usage for 2026
Merchant Only: Credit card UPI works only for Merchant QRs (Business accounts). You cannot use it to send money to a friend’s personal UPI ID.
The Virtual Advantage: Most of these cards are Virtual-First, meaning you don’t need to carry a plastic card. Just link the card to your UPI app and leave your wallet at home.
Transaction Limits: Make sure your comfort doesn’t lead to overspending, use your bank app to set a daily UPI limit (e.g., ₹2,000) specifically for your credit card.
Written by Kenbi Riba
