{"id":1856,"date":"2025-12-11T19:45:00","date_gmt":"2025-12-11T14:15:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=1856"},"modified":"2025-12-11T17:23:49","modified_gmt":"2025-12-11T11:53:49","slug":"7-best-upi-credit-cards-offering-maximum-rewards-cashback-2026","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/7-best-upi-credit-cards-offering-maximum-rewards-cashback-2026\/","title":{"rendered":"7 Best UPI Credit Cards Offering Maximum Rewards &amp; Cashback (2026)"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis:<\/strong> <em>This article covers the top 7 UPI-compatible credit cards that let you make QR-based payments for your everyday needs while earning rewards and cashback.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>The introduction of credit cards with India&#8217;s Unified Payments Interface (UPI) has completely changed digital payments structure. By allowing users to make instant, secure, QR-code-based payments using their credit limit instead of their bank balance. <\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3696091608\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<p>This feature offers the convenience of UPI&#8217;s wide merchant acceptance (even at small local shops) with the benefits of a credit card. These benefits are in reward points, cashback, and a short interest-free credit period.<\/p>\n\n\n\n<p>The best UPI credit card completely depends on your spending patterns. If you happen to be someone who prioritises cashback then it is for the best that you go with redeemable points as cash. <\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1918771779\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<p>However, if you need travel benefits then you have to look for the card that rewards you for the particular spending like flight or train booking. For the convenience, here are 7 top (mixed categories) UPI-compatible RuPay credit cards to consider:<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3708582751\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"h-kiwi-rupay-credit-card-issued-by-yes-bank-au-bank\"><a href=\"https:\/\/gokiwi.in\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Kiwi RuPay Credit Card (Issued by YES Bank\/AU Bank)<\/strong><\/a><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/kiwi-rupay-credit-card-1-1024x683.jpg\" alt=\"Kiwi RuPay Credit Card\" class=\"wp-image-1858\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/kiwi-rupay-credit-card-1-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/kiwi-rupay-credit-card-1-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/kiwi-rupay-credit-card-1-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Annual Fee:<\/strong><strong><\/strong> Lifetime free (Neon upgrade \u20b9999+ Taxes optional)<\/li>\n\n\n\n<li><strong>Joining Fee:<\/strong> Nil<\/li>\n\n\n\n<li><strong>UPI Activation:<\/strong> Instant via Kiwi app to GPay\/PhonePe, rewards on UPI merchant scans\u200b<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits\">Benefits:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>1.5% minimum return as \u2018Kiwi\u2019 on all offline UPI spends<\/li>\n\n\n\n<li>1 Kiwi = \u20b90.25 statement credit.&nbsp;<\/li>\n\n\n\n<li>Cashbacks are capped at 1% of credit card limit<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"h-hdfc-bank-upi-rupay-credit-card\"><a href=\"https:\/\/www.hdfc.bank.in\/credit-cards\/hdfc-bank-upi-rupay-credit-card\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>HDFC Bank UPI RuPay Credit Card<\/strong><\/a><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"686\" height=\"386\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-Bank-UPI-RuPay-Credit-Card.jpg\" alt=\"HDFC Bank UPI RuPay Credit Card\" class=\"wp-image-1859\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-Bank-UPI-RuPay-Credit-Card.jpg 686w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-Bank-UPI-RuPay-Credit-Card-480x270.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 686px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Annual Fee: <\/strong><strong><\/strong> \u20b999 (Waived at annual spend of \u20b925,000 and more)<\/li>\n\n\n\n<li><strong>Joining Fee:<\/strong> \u20b999<\/li>\n\n\n\n<li><strong>UPI Activation<\/strong>: Via HDFC\/PayZapp or UPI apps, same rates as card swipes\u200b<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits-0\">Benefits:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>3% CashPoints on groceries, dining via PayZapp (up to 500 per month)<\/li>\n\n\n\n<li>2% on utilities<\/li>\n\n\n\n<li>1% on other expenses (excl. rent, wallets, EMIs, fuel, govt)\u200b<\/li>\n\n\n\n<li>1 CashPoint = \u20b90.25 as statement credit<\/li>\n\n\n\n<li>The effective value-back is 0.75% on 3% categories and 0.25% on 1% categories<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"h-idfc-first-hpcl-power-plus-rupay-credit-card\"><a href=\"https:\/\/www.idfcfirst.bank.in\/credit-card\/hpcl-power-fuel-credit-card\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>IDFC FIRST HPCL Power Plus RuPay Credit Card<\/strong><\/a><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"300\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/IDFC-FIRST-HPCL-Power-Plus-RuPay-Credit-Card.jpg\" alt=\"IDFC FIRST HPCL Power Plus RuPay Credit Card\" class=\"wp-image-1860\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/IDFC-FIRST-HPCL-Power-Plus-RuPay-Credit-Card.jpg 460w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/IDFC-FIRST-HPCL-Power-Plus-RuPay-Credit-Card-300x196.jpg 300w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Annual Fee: <\/strong><strong><\/strong><strong> <\/strong>\u20b9499+ Taxes<\/li>\n\n\n\n<li><strong>Joining Fee: <\/strong><strong><\/strong><strong> <\/strong>\u20b9499+ Taxes (waivable)<\/li>\n\n\n\n<li><strong>UPI Activation:<\/strong> Direct UPI link, category-based rewards\u200b<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits-1\">Benefits:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>5% savings as rewards points on transaction for Grocery &amp; Utility&nbsp;<\/li>\n\n\n\n<li>Category rewards on UPI grocery, utilities, FASTag (or base rate)<\/li>\n\n\n\n<li>Up to 8.83% back on partnered hotel &amp; flight bookings done with IDFC FIRST Mobile App&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"h-axis-bank-supermoney-rupay-credit-card\"><a href=\"http:\/\/axis.bank.in\/cards\/credit-card\/supermoney-credit-card\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Axis Bank SuperMoney RuPay Credit Card<\/strong><\/a><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"354\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Axis-Bank-SuperMoney-RuPay-Credit-Card.jpg\" alt=\"Axis Bank SuperMoney RuPay Credit Card\" class=\"wp-image-1861\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Axis-Bank-SuperMoney-RuPay-Credit-Card.jpg 460w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Axis-Bank-SuperMoney-RuPay-Credit-Card-300x231.jpg 300w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Annual Fee: <\/strong><strong><\/strong> Lifetime free<\/li>\n\n\n\n<li><strong>Joining Fee:<\/strong> Nil<\/li>\n\n\n\n<li><strong>UPI Activation:<\/strong> Via SuperMoney app, QR payments rewarded\u200b<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits-2\">Benefits:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>3% cashback on SuperMoney UPI QR payments (capped \u20b9500\/month)<\/li>\n\n\n\n<li>1% cashback on all other eligible spends<\/li>\n\n\n\n<li>1% Fuel surcharge waiver\u200b on spending of \u20b9400 and \u20b94,000 (Capped at \u20b9400 per statement cycle)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"h-jupiter-edge-csb-bank-rupay-credit-card\"><a href=\"https:\/\/jupiter.money\/edge-plus-upi-rupay-credit-card\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Jupiter Edge CSB Bank RuPay Credit Card<\/strong><\/a><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Jupiter-Edge-CSB-Bank-RuPay-Credit-Card-1024x683.jpg\" alt=\"Jupiter Edge CSB Bank RuPay Credit Card\" class=\"wp-image-1863\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Jupiter-Edge-CSB-Bank-RuPay-Credit-Card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Jupiter-Edge-CSB-Bank-RuPay-Credit-Card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Jupiter-Edge-CSB-Bank-RuPay-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Annual Fee:<\/strong> Nil<\/li>\n\n\n\n<li><strong>Joining Fee:<\/strong> Nil (Limited Time Offer)<\/li>\n\n\n\n<li><strong>UPI Activation:<\/strong> Jupiter app integration for UPI rewards\u200b<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits-3\">Benefits:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>10% cashback on shopping (Selected Merchants)<\/li>\n\n\n\n<li>5% cashback on travel booking with partnered platforms<\/li>\n\n\n\n<li>1% cashback on other eligible spends<\/li>\n<\/ul>\n\n\n\n<p><strong>Note:<\/strong> reward value is given as &#8216;Jewels&#8217;. 1 Jewel = \u20b90.20 statement credit\/cash.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"h-kredit-pe-yes-bank-ace-credit-card\"><a href=\"http:\/\/kredit.pe\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Kredit.Pe Yes Bank Ace Credit Card<\/strong><\/a><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"354\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Kredit.Pe-Yes-Bank-Ace-Credit-Card.jpg\" alt=\"Kredit.Pe Yes Bank Ace Credit Card\" class=\"wp-image-1864\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Kredit.Pe-Yes-Bank-Ace-Credit-Card.jpg 460w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Kredit.Pe-Yes-Bank-Ace-Credit-Card-300x231.jpg 300w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Annual Fee:<\/strong> Lifetime free<\/li>\n\n\n\n<li><strong>Joining Fee:<\/strong> Nil<\/li>\n\n\n\n<li><strong>UPI Activation:<\/strong> Via Kredit.Pe app for boosted UPI\u200b<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits-4\">Benefits:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2% unlimited cashback on UPI via Kredit.Pe app<\/li>\n\n\n\n<li>3% milestone cashback on UPI &gt;\u20b925,000\/month<\/li>\n\n\n\n<li>8 RP\/\u20b9200 online swipes (Yes Bank)<\/li>\n<\/ul>\n\n\n\n<p><strong>Note:<\/strong> This is a FD backed(Secured) credit card.<\/p><div class=\"trade-content-2\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2077416096\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"h-bank-of-baroda-bob-premier-rupay-credit-card\"><a href=\"https:\/\/www.bobcard.co.in\/credit-card-types\/premier\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Bank of Baroda (BOB) Premier RuPay Credit Card<\/strong><\/a><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"747\" height=\"498\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Bank-of-Baroda-BOB-Premier-RuPay-Credit-Card.jpg\" alt=\"Bank of Baroda (BOB) Premier RuPay Credit Card\" class=\"wp-image-1865\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Bank-of-Baroda-BOB-Premier-RuPay-Credit-Card.jpg 747w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Bank-of-Baroda-BOB-Premier-RuPay-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 747px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Annual Fee:<\/strong> \u20b91,000+ Taxes (waived on \u20b91.5 Lakhs annual spend)<\/li>\n\n\n\n<li><strong>Joining Fee:<\/strong> \u20b91,000+ Taxes&nbsp;<\/li>\n\n\n\n<li><strong>UPI Activation:<\/strong> Direct UPI link via BoB portal<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits-5\">Benefits:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>10 (up to) Reward Points per \u20b9100 on dining, international, and online spends&nbsp;<\/li>\n\n\n\n<li>2 points per \u20b9100 on all other spends, including UPI transactions&nbsp;<\/li>\n\n\n\n<li>4 complimentary domestic airport lounge visits per year.<\/li>\n\n\n\n<li>The joining fee is easily waivable by spending \u20b910,000 within the first 60 days<\/li>\n\n\n\n<li>1 Reward point = \u20b90.25<\/li>\n<\/ul>\n\n\n\n<p><strong>Note on Accessibility:<\/strong> Standard eligibility is higher (e.g., NAI &gt; \u20b97.2 Lakhs), making it less accessible than the Fintech cards above.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also Read:<\/strong> <a href=\"https:\/\/tradebrains.in\/money\/planning-to-buy-the-iphone-17-5-best-credit-cards-offering-easy-emi-options-on-the-iphone-17-series\/\">Planning to Buy the iPhone 17? 5 Best Credit Cards Offering Easy EMI Options on the iPhone 17 Series<\/a><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions\">Frequently Asked Questions<\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-are-these-cards-only-for-rupay\"><strong>Are these cards only for RuPay?<\/strong><\/h3>\n\n\n\n<p>Yes, because UPI credit cards in India are exclusively RuPay variants. The RBI mandates this network for direct UPI linking thus Visa\/Mastercard don&#8217;t support native UPI QR payments.\u200b<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-can-they-be-used-on-google-pay-and-phonepe\"><strong>Can they be used on Google Pay and PhonePe?<\/strong><\/h3>\n\n\n\n<p>All seven cards link quite smoothly to Google Pay, PhonePe, and BHIM for QR scans and merchant payments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-are-they-invite-only\"><strong>Are they invite-only?<\/strong><\/h3>\n\n\n\n<p>No, all are publicly available via apps or bank sites with standard eligibility like CIBIL score.\u200b<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-what-is-the-registration-process\"><strong>What is the registration process?<\/strong><\/h3>\n\n\n\n<p>You can either download the specified app or visit the bank site. By filling the online form, completing e-KYC with mobile OTP get instant virtual card approval while physical card arrives in 7 days.\u200b<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-what-documents-do-applicants-need\"><strong>What documents do applicants need?<\/strong><\/h3>\n\n\n\n<p>PAN card, Aadhaar for e-KYC, salary slips or bank statements (for salaried, typically \u20b925K+ income), and address proof if required.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Written by Kenbi Riba<\/strong><\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: This article covers the top 7 UPI-compatible credit cards that let you make QR-based payments for your everyday needs while earning rewards and cashback. The introduction of credit cards with India&#8217;s Unified Payments Interface (UPI) has completely changed digital payments structure. By allowing users to make instant, secure, QR-code-based payments using their credit limit [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":1868,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[10,14],"tags":[903,906,651,19,901,902,904,900,905,898,899],"ppma_author":[1013],"class_list":["post-1856","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-trending","tag-axis-bank-supermoney-rupay-credit-card","tag-bank-of-baroda-bob-premier-rupay-credit-card","tag-credit-card","tag-credit-cards","tag-hdfc-bank-upi-rupay-credit-card","tag-idfc-first-hpcl-power-plus-rupay-credit-card","tag-jupiter-edge-csb-bank-rupay-credit-card","tag-kiwi-rupay-credit-card","tag-kredit-pe-yes-bank-ace-credit-card","tag-upi-credit-cards","tag-upi-rupay-credit-cards"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>7 Best UPI Credit Cards Offering Maximum Rewards &amp; 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