Best UPI Credit Card in India (2025)

When it comes to UPI, India leads the world in seamless digital payments. Millions of us already use UPI apps like Google Pay, PhonePe, Paytm, and Jupiter daily. But the real game-changer is the ability to link a credit card to UPI, and that’s where RuPay credit cards come in. To put it in numbers, NPCI stated that RuPay credit on UPI recorded Rs. 63,825.8 crore worth of transactions by October FY25. This makes RuPay network one of the tough contenders in the credit card network other than VISA and Mastercard.

If you’ve been searching for the best UPI credit card in India, let me be direct: Jupiter Edge+ RuPay Credit Card is the smartest choice for 2025. It combines unbeatable cashback rates, RuPay UPI convenience, and premium lifestyle perks that no other card offers at this scale. Let the data talk for itself, see below.

We will go into comparison directly with multiple UPI credit cards in India. If you want to know what a UPI Credit card is, check below. We have explained what a RuPay Credit Card is.

UPI Credit Card Comparison (Monthly Spends vs Cashback Returns)

Why Jupiter Edge+ wins: Even at ₹50,000 monthly spend, it gives the highest cashback among all UPI credit cards. No competitor comes close.

Fees & charges of UPI Credit Cards

Last Updated: 15th September 2025

What is a UPI Credit Card?

A UPI credit card is simply a RuPay credit card linked to your favorite UPI app. Instead of paying from your bank account, the money is charged to your credit card. So, it is a RuPay credit card on UPI that can be linked to UPI apps for QR code and app-based payments, while still offering cashback, travel benefits, and lifestyle perks.

This means:

• You pay with a UPI QR code scan just like normal
• You earn cashback on every transaction
• You get the flexibility to spend now and pay later
• Your payments are safer since your actual card number is never shared

It’s UPI with the power of credit.

Just for your information, a RuPay Credit Card is a credit card issued on the RuPay network, India’s domestic card payment system developed by the National Payments Corporation of India (NPCI).

Unlike Visa or Mastercard, which are international networks, RuPay is made in India for Indian users, offering faster transactions, lower processing fees, and better acceptance across government services and UPI integration.

Details about UPI Credit Cards

Jupiter Edge+ CSB Bank Rupay Credit Card

We’ve compared leading RuPay UPI credit cards across cashback categories, features, and benefits. Here’s why Jupiter Edge+ is the card I recommend without hesitation. 

Cashback Structure Tailored for Real Life

• 10% cashback on shopping (Amazon, Flipkart, Myntra, Ajio, Zara, Nykaa, Croma, Reliance Trends, and more): capped at ₹1,500 monthly
• 5% cashback on travel bookings: capped at ₹1,000 monthly
• 1% cashback on all other spends, including UPI Scan & Pay

This structure is designed for everyday spenders who shop, travel, and pay bills.

Lifestyle Perks You Actually Use

• Free 1-year Amazon Prime subscription worth ₹1,499
• 1-month free EazyDiner membership for dining discounts
• 1-month PlayboxTV OTT subscription free for entertainment

Unlike generic perks on other cards, these are benefits you’ll genuinely use.

Seamless UPI Integration on Jupiter

Here’s the best part: you can link your Jupiter Edge+ RuPay Credit Card directly inside the Jupiter app.

• Add your RuPay credit card to Jupiter UPI in just a few taps
• Pay using UPI QR codes at any merchant across India
• Track cashback earnings and spending insights in real time
• Enjoy the convenience of UPI while still maximizing cashback

Other banks may allow UPI credit card linking, but Jupiter provides a native experience inside the same app where you already track your money. That’s true simplicity.

Scapia Travel Credit Card (4%)

Scapia is a card designed for travel enthusiasts. It gives a flat 4% cashback (Scapia coins) on every transaction, with no complicated categories. These rewards can be redeemed for flights and hotels on the Scapia app, making it perfect for frequent flyers. Since it’s RuPay-based, you can link it to UPI and use it anywhere, from airport lounges to local cafes. If your biggest expense is travel, Scapia is the right UPI credit card for you.

Airtel Axis Bank Credit Card

If you’re an Airtel customer or heavy Amazon user, the Airtel Axis Bank Credit Card is a great pick. It offers:

• 25% cashback on Airtel recharges, broadband, and DTH bills
• 10% cashback on Amazon India and Swiggy
• 1% cashback on all other spends

It’s RuPay-enabled, which means you can link it to UPI for your daily merchant payments. The value here is clear if you’re already in the Airtel ecosystem and regularly shop on Amazon.

UniCards GoldX – Digital Gold Rewards

UniCards GoldX stands out with its unique digital gold reward system. Every cashback you earn gets credited as digital gold. While the raw cashback rate is lower compared to other cards, this approach is attractive if you want your spending to translate into long-term gold savings. With UPI linking, you can use it for daily QR payments and watch your gold balance grow.

Axis Bank SuperMoney Credit Card

Axis Bank SuperMoney is built around utility payments. It provides steady cashback and rewards on bills like electricity, broadband, and water. If a large share of your monthly budget goes into recurring bills, this card maximizes your UPI-linked savings. While not as exciting for shopping or travel, it fills the gap for consistent bill payers who want rewards on UPI auto-payments.

Tata Neu Plus HDFC Bank Credit Card

The Tata Neu Plus HDFC Bank card is all about the Tata ecosystem. It gives rewards in the form of NeuCoins, which you can use across Tata brands like BigBasket, Croma, Tata Cliq, Air India, and Taj Hotels. Linked with UPI, it extends these benefits to QR code spends while keeping Tata loyalty benefits intact. If you shop at Tata brands regularly, this is a natural choice.

Kiwi Neon – Scan & Pay UPI @2%

Kiwi Neon is India’s first card designed specifically for UPI Scan & Pay. It gives a flat 2% cashback every time you scan and pay using UPI. This makes it perfect for small daily spends like groceries, chai, cabs, and local shopping, where UPI QR payments dominate. It doesn’t have premium perks like Prime or travel, but for people who live on UPI QR codes, Kiwi Neon is a simple and effective cashback tool.

Why Jupiter Edge+ is one of the Best UPI Credit Card

If you want the best UPI credit card in India, go for Jupiter Edge+ RuPay Credit Card. Here’s why I recommend it over every other card:

1. Highest cashback structure:  up to ₹2,500 monthly savings
2. Exclusive lifestyle benefits: Amazon Prime, EazyDiner, PlayboxTV
3. Seamless UPI integration inside Jupiter: scan, pay, earn cashback, all in one app
4. Built for real-world spends: shopping, travel, bills, and daily payments

Other cards like Scapia, Airtel Axis, or Kiwi Neon serve niche use cases, but Jupiter Edge+ is the all-rounder that maximizes both online and offline UPI payments.

Benefits of Using Jupiter Edge+ on UPI

• Pay with UPI QR codes anywhere in India
• Track cashback and spending inside the Jupiter app
• Enjoy the convenience of UPI with the rewards of credit
• No compromise on safety since your card details stay protected

FAQs

Q1. What is the difference between UPI credit card and credit card?

A UPI credit card is a RuPay credit card linked to UPI apps for QR payments, while a normal credit card is used through swipes, taps, or online transactions.

Q2. Can I link Jupiter Edge+ RuPay Credit Card to UPI?

Yes. You can use Jupiter Edge+ CSB Credit Card directly on Jupiter App or you can link on apps like Google Pay, PhonePe, Paytm, and other UPI apps.

Q3. Can I link other RuPay Credit Cards on Jupiter Money App?

Yes, you can link RuPay Credit Cards on Jupiter money and use it for scan & pay payments on QR.

Q4.  What is the UPI charge for a credit card?

UPI credit card payments at merchants (P2M) are free. Charges may apply only for peer-to-peer (P2P) transfers or may be disabled by default.

Q5. What cashback will I get if I use Jupiter Edge+ via UPI QR?

You earn 1% cashback on UPI QR payments, plus category-based higher rewards on shopping and travel.

Q6. What is the daily limit of UPI credit cards?

The RBI has set a UPI credit card transaction limit of ₹1 lakh per day for most merchants.

Q7. Is a UPI credit card better than using a normal credit card?

Yes, because it combines the rewards of a credit card with the convenience of UPI. For QR and small spends, it’s more practical.

Q8. Is there any fee for Jupiter Edge+?

There is a one-time joining fee of ₹499, but no annual fee. The free Amazon Prime membership alone offsets this cost.

Q9. How is Jupiter better than other UPI credit cards?

Only Jupiter combines high cashback rates, premium lifestyle perks, and native UPI integration in one app.

Q10. Who should get Jupiter Edge+?

If you shop online, travel occasionally, and use UPI for daily spends, Jupiter Edge+ is the card that saves you the most money.

Written and Reviewed by:

Priyanka Rao

Author

Priyanka Rao is a content strategist for Jupiter.Money, and specializes in writing on topics related to finance, banking, budgeting, salary & wages, and other financial matters. She has a passion for creating engaging content that resonates with audiences across various digital platforms. In her free time, Priyanka enjoys traveling and reading, which allows her to gain new perspectives and inspiration for her work. With a keen eye for detail and a creative mindset, Priyanka is committed to creating content that connects well with her readers, enhancing their digital experiences.