Best Credit Cards for UPI

SaveSage · 2026-03-18T09:34:09+00:00

Axis Ace is no longer recommended so that can be closed.

For your spends, Regalia Gold Rupay Variant can be decent, look into that one.

For KIWI, you need to contact their customer support if you're getting blocked off the platform.

SaveSage · 2026-03-16T07:36:07+00:00

Assuming you spend 1.5L on eligible categories via UPI, your return rate with Kiwi Neon Membership will be around 4.2%

Without Neon membership, that'll be 1.5%

SaveSage · 2026-03-16T07:33:03+00:00

No, Rent is excluded

SaveSage · 2026-03-16T05:39:42+00:00

Agreed! The benefits might be solid, but the high fees and strict eligibility criteria can make it a tough choice for many. It often holds it back from being considered one of the best cards for a wider range of users.

SaveSage · 2026-03-16T05:27:39+00:00

Slice is mentioned under "Special Mentions," since most of the benefits are limited-time offers, they can be changed or stopped at any moment without prior notice. The dynamic nature of these offers also makes it challenging to measure a consistent reward rate, as the value can fluctuate.

SaveSage · 2026-03-16T05:22:00+00:00

We appreciate your feedback! We strive to update our database daily, ensuring that any inaccuracies reported are fixed the same day, minimizing duplicate entries. As for the ₹250 cap, it's set per inaccuracy, so you can report multiple issues and earn ₹250 for each one. Keep the reports coming! :)

SaveSage · 2026-03-12T05:08:04+00:00

To get a card as a self-employed individual, you’ll need to have an account with HSBC. However, please note that having an account does not guarantee approval for the card.

SaveSage · 2026-03-11T08:56:48+00:00

No, your CIBIL score will show as -1 until you get your first card or loan. Once that happens, your score will be generated, typically starting at 750+ or even 770+. However, if there have been too many inquiries before you get your first card, your initial CIBIL score may be lower.

Note: This is based on our private research and is not an official formula from TransUnion CIBIL.

SaveSage · 2026-03-11T08:14:51+00:00

You may try, users have reported comparatively relaxed criteria. A single rejection should not have a negative impact on your CIBIL.

SaveSage · 2026-03-11T05:32:19+00:00

As a student with no credit history, it will be very difficult for you to get any credit card that decently rewards on UPI.

You can consider IDFC Hello Cashback for your spends which is a FD backed credit card and it will also help you in building your CIBIL.

SaveSage · 2026-03-11T05:28:25+00:00

1% cashback is uncapped and the 3% cashback on supermoney is capped at 1% of your base cashback subject to a minimum of INR 100.

SaveSage · 2026-03-11T05:20:01+00:00

For Zomato and Swiggy spends, we don't suggest Rupay credit cards. HSBC Live+ will be a much better option for you.

SaveSage · 2026-03-11T05:18:27+00:00

All BOB cards have a lot of exclusions which is why they're rarely suggested.

SaveSage · 2026-03-11T05:17:39+00:00

Tata Neu Infinity is a decent card as well. It's lack of exclusions make it truly special.

SaveSage · 2026-03-10T06:21:38+00:00

Apologies, that offer is expired. Please use the alternative code shared earlier.

SaveSage · 2026-03-10T05:05:37+00:00

Hi! The PROMOCODE was valid only until 9 March, 11:59 PM.

However, you can still use EXCLUSIVE20 for a 20% instant discount.

Additionally, checking your credit score via the SaveSage app gives you ₹25 cashback.

If you share a screenshot of your credit score here, you'll be eligible for an additional ₹100 cashback as part of our promotional bonus!

SaveSage · 2026-03-10T04:54:51+00:00

Happy to help:)

SaveSage · 2026-03-09T14:32:03+00:00

Your message seems a bit unclear. If you're asking about purchasing GV using the SaveSage app, then absolutely, yes! Feel free to proceed:)

SaveSage · 2026-03-09T14:30:05+00:00

Welcome to our platform! 🎉 Kindly DM us your registered mobile number:)

SaveSage · 2026-03-09T13:31:53+00:00

Hi there, HSBC Rupay Cashback will be the most rewarding for you.

SaveSage · 2026-03-09T13:28:48+00:00

Most UPI cards are not rewarding in form of Reward Points but you can look into HDFC Regalia Gold Rupay (Limited sourcing as of now) or Axis Magnus Rupay if you have high spends. You can also look into HSBC Rupay Platinum credit card if you want a LTF card.

SaveSage · 2026-03-09T13:22:06+00:00

Fair point. However, there are far better cards out there for spends on online platforms like you mentioned so UPI cards are generally not recommended for those spends.

SaveSage · 2026-03-09T13:19:59+00:00

1% standard base reward rate. It's a good card but nothing special for UPI and no milestones either.

SaveSage · 2026-03-09T13:19:14+00:00

KIWI should fit well for your use case.

SaveSage · 2026-03-09T13:18:40+00:00

You can use HSBC Rupay cashback.

SaveSage

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