Top UPI Credit Cards for 2025 Best UPI Card

💡 What’s the “Best Use Case” for Each Card Yes Bank KIWI / Klik — Best for frequent UPI users who want lifetime-free UPI-credit card, especially if you spend regularly: with optional Neon membership gets you up to 5% cashback on UPI pays. Great for daily small-to-medium UPI spends (merchant QR payments, bills, groceries, etc.). Tata Neu Infinity — Best if you already shop a lot within Tata / partner ecosystem (BigBasket, Croma, Titan, etc.), and value lounge access + travel/brand-loyalty perks. Less useful if you only want plain UPI cashback — because fee is high, and value returns depend on heavy use of Tata-ecosystem. Axis KWIK (UPI-enabled) — Good “starter” UPI credit card: completely free, simple, virtual, gives reward points on spends including via UPI — ideal if you want a “card + UPI” with minimal commitment. Axis-Airtel RuPay Card — Good for people who have recurring Airtel / utility / recharge / DTH / online payments and want a card that mixes UPI + utility/spend-based perks. It’s a hybrid: UPI-capable + benefits for recharges/utility / streaming / everyday payments. 📌 What to Watch Out For / Important Conditions & Limitations For Yes Bank KIWI / Klik, UPI-based cashback or rewards often come with minimum transaction thresholds / monthly caps and sometimes subscription (Neon) required for higher rewards — so small sporadic spends may not yield much. Our Money Guide +1 Some merchant categories (fuel, utility payments, wallet top-ups, rent, insurance, etc.) may be excluded (or yield lower rewards or surcharge waiver only). Our Money Guide +2 finfolo.com +2 For Tata Neu Infinity card — the joining/annual fee (₹1,499 +) is high, so you need sufficient spends (especially within Tata/partner ecosystem) to justify the cost. Paisabazaar For Airtel Axis card — annual fee waiver condition (spend ₹2 lakh) may be hard depending on your spending habits. AxisBank +1 UPI acceptance for credit cards (e.g. Rupay-credit-card on UPI) is still evolving — some merchants (especially smaller shops) may not accept it or may have issues. That can limit usefulness. ✅ My Recommendation (Based on Use-Case & Typical UPI Use) If I were you (heavy UPI user, lots of small spends) — my pick would be Yes Bank KIWI / Klick RuPay Credit Card or Axis KWIK (Rupay UPI card). Low commitment, virtual, free — and with correct use (especially KIWI + Neon) — you get significant cashback on routine UPI spends. If you shop a lot within Tata / partner brand ecosystem (BigBasket, Westside, Croma, etc.), sometimes travel or use lounge benefits — Tata Neu Infinity might make sense, but only if you justify the fee via frequent usage. If you use Airtel services + online recharges/utility/DTH + UPI — Airtel-Axis RuPay is good hybrid, but check whether your annual spend can justify the fee waiver (₹2 lakh). Follow Us Youtube website- www.mybankingtips.com