{"id":10931,"date":"2026-07-12T21:45:00","date_gmt":"2026-07-12T16:15:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=10931"},"modified":"2026-07-12T21:44:09","modified_gmt":"2026-07-12T16:14:09","slug":"3-best-upi-enabled-credit-cards-that-offer-massive-cashback-on-every-upi-payment","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/3-best-upi-enabled-credit-cards-that-offer-massive-cashback-on-every-upi-payment\/","title":{"rendered":"3 Best UPI-Enabled Credit Cards That Offer Massive Cashback on Every UPI Payment"},"content":{"rendered":"\n
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Synopsis: <\/em><\/strong>Looking for a credit card for UPI payments? Here’s a look at three of the best UPI-enabled credit cards that offer massive cashback and value on every UPI payment, along with their key features, reward structure, fees, and who they are best suited for.<\/em>\u00a0<\/em><\/strong><\/p>\n<\/blockquote>\n\n\n\n

UPI is now India’s preferred method for paying for things like groceries, dining, utility bills, and shopping at local stores<\/strong> with RuPay credit cards<\/strong> on UPI<\/strong> you can earn cashback and rewards on payments you used to make from your bank account. If you use UPI a lot, getting the right cashback credit card can help you save more on your expenses.<\/p>

\"scapia<\/a><\/div>\n\n\n\n

Top UPI-Enabled Cashback Credit Cards<\/strong><\/h2>\n\n\n\n

1. Kiwi RuPay Credit Card<\/a><\/strong><\/h3>\n\n\n\n
\"Kiwi<\/a><\/figure>\n\n\n\n

Kiwi Credit Card is an entirely virtual RuPay credit card that is offered for life-time free with the help of collaboration between the issuer banks like Yes Bank, AU Small. <\/p>\n\n\n\n

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  • Joining Charges:<\/strong> \u20b90 (Life-time free)<\/li>\n\n\n\n
  • Annual Charges:<\/strong> \u20b90 (Life-time free)<\/li>\n\n\n\n
  • Interest Charges:<\/strong> Depending upon the issuing bank (~3.5-3.75% per month)<\/li>\n\n\n\n
  • Cashback Structure :<\/strong>\n
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    • 1.5% c<\/strong>ashback for Scan and pay UPI transaction through Kiwi application<\/li>\n\n\n\n
    • 0.5%<\/strong> cashback for online\/offline spends\u00a0<\/li>\n\n\n\n
    • Cashback credited in form of \u201cKiwis\u201d (4 Kiwis= \u20b91)<\/strong><\/li>\n\n\n\n
    • Up to 5% <\/strong>cashback through Klick Neon membership <\/strong>and milestone-based rewards.<\/li>\n\n\n\n
    • Complimentary domestic airport lounge access<\/strong> for eligible Neon members (subject to spending milestones and terms).<\/li>\n\n\n\n
    • Fuel surcharge may vary from 1% to 2.5%<\/strong> + GST of the amount spent on fuel transaction and is payable by cardholder.<\/li>\n\n\n\n
    • Fuel surcharge waiver capped at \u20b9250 per statement cycle<\/strong> (GST on the surcharge is not waived).\u00a0<\/li>\n\n\n\n
    • 2 YES Rewardz Points<\/strong> for every \u20b9200<\/strong> spent on non-UPI transactions.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n

      Best Suited For:<\/strong> Frequent users of the UPI system who conduct multiple low-value transactions at nearby stores and vendors who do not accept normal credit card payments. Ideal for first-time users of the credit card service who desire a zero-cost alternative.<\/p>