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Digital payments have become a part of our everyday lives. It's rare to have the UPI app on your mobile without an instant payment. But now, the Unified Payments Interface (UPI) is not only convenient but also a means of saving, if you use the right credit card. You can make UPI payments using a RuPay Credit Card.

Many banks are offering credit cards that offer 1 to 5 percent cashback on UPI payments. This means you can earn cashback on groceries, petrol, online orders, cab bookings, utility bills, and more.
The biggest advantage of using a UPI credit card is that your bank balance isn't depleted. Payments are made with a credit card, and you can deposit funds by the due date. Additionally, you earn reward points or cashback on every payment. Here, we're listing the top 5 credit cards in the country for UPI payments, their cashback structure, and features.

Yes Bank Klick RuPay Credit Card
This card offers 1.5% to 5% cashback on everyday UPI payments. There are no joining or annual fees, meaning it's completely free for life. No physical card is issued, only a virtual card. This card is especially suitable for those who use Scan & Pay daily and want to save on every payment. Non-Kiwi members receive 1.5% cashback on UPI payments. If you purchase a Kiwi membership for ₹999, you can earn 2% to 5% cashback on UPI payments. You can transfer the cashback/Kiwis to your linked bank account.

Axis Bank SuperMoney RuPay Credit Card
The Axis Bank SuperMoney RuPay Credit Card is a co-branded card between Axis Bank and SuperMoney, a fintech company of the Flipkart Group. It offers a lifetime free credit card. This means you won't have to pay any joining or annual fees for this card. You will receive this card in both virtual and physical forms. You can earn 3% cashback on payments made using this card through the SuperMoney app. However, the maximum monthly cashback is ₹500. You can transfer this cashback to your linked bank account.

Tata Neu Infinity HDFC Bank Credit Card
If you regularly shop or pay bills through the Tata Neu app or want to use your credit card for UPI payments, the Tata New Infinity HDFC Bank Credit Card could be a great card for you. You can earn 1.5% cashback on UPI payments with this credit card. You can earn a maximum of 500 NeuCoins per month in this category. You can redeem NeuCoins through the Tata Neu app or at Tata stores. The joining/renewal fee for this credit card is ₹1499. However, renewal fees are waived upon spending ₹3 lakh in a year.

Slice Super Card
The Slice Credit Card is a lifetime credit card offered by Slice Small Finance Bank. You can earn unlimited cashback of 1% to 3% on UPI payments using this RuPay credit card. This cashback is available in the form of Monies. You can redeem these Monies through the Slice app and receive the money in your linked bank account.

PhonePe SBI Card SELECT BLACK
This card is issued for both RuPay and Visa platforms. If you want to make UPI payments, you need to apply for a RuPay card. You can earn 1% cashback on UPI payments using this card. You can earn a maximum of ₹2,000 in reward points per month on UPI payments. Here, 1 reward point is worth Rs 1 and can be redeemed as a statement credit or as a gift voucher on the SBI Card Rewards portal.

Disclaimer: This content has been sourced and edited from News 18 hindi. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.