Digital payments have now become an integral part of our daily lives. From small expenses to large bills, people use the UPI app on their mobile phones. This feature has not only made payments faster and easier, but by choosing the right credit card, UPI has also become a great tool for savings. Importantly, by linking a RuPay credit card to UPI, you can earn cashback or rewards on every transaction. Many banks offer credit cards that offer 1 to 5 per cent cashback on groceries, fuel, online orders, ride bookings, and bill payments.
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How to Benefit
The biggest advantage of credit card payments through UPI is that the funds are not immediately deducted from your bank account. Payments are made directly from the card, and you can pay bills by the due date. This not only ensures liquid funds are protected, but also earns reward points or cashback on every transaction. This benefit is particularly valuable for those who make daily, small and large payments using UPI and want to save on every transaction.
Yes Bank Klick RuPay Credit Card
This card is completely free for life and is available only in virtual form. It’s a suitable option for those who make daily Scan & Pay payments. Non-Kiwi users receive a 1.5% cashback, while a Kiwi membership of ₹999 provides a 2% to 5% cashback. Earned cashback, or Kiwis, can be transferred directly to a bank account.
Axis Bank SuperMoney RuPay Credit Card
Axis Bank and SuperMoney, a fintech company of the Flipkart Group, have jointly launched the Axis Bank SuperMoney RuPay Credit Card, a lifetime-free credit card. There are no joining or annual fees for using this card. This credit card is available in both virtual and physical forms. Customers can earn 3% cashback on any card payment made through the SuperMoney app. The maximum monthly cashback limit is ₹500. However, the SuperMoney card’s cashback is not transferred to any bank account. Instead, the cashback is automatically adjusted against the credit card bill – meaning the amount is deducted from the outstanding dues directly.
Tata Neu Infinity HDFC Card
This credit card is beneficial for those who shop or pay bills through the Tata Neu app. UPI payments made using the RuPay version earn 1.5 per cent cashback, or NeuCoins. Up to 500 NeuCoins can be earned monthly. These coins can be redeemed through the Tata Neu app or at Tata stores. The joining and renewal fee for this credit card is ₹1,499, which can be waived if you spend ₹3 lakh in a year.
Slice Super Card
Issued by Slice Small Finance Bank, this card is free for life. Unlimited cashback of 1 to 3 per cent is available on UPI payments made using the RuPay card. This cashback is given in the form of Monies, which can be redeemed on the Slice app and transferred to a bank account. This card is suitable for everyday users who make frequent small payments.
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PhonePe SBI Card SELECT Black
This card is available on both RuPay and Visa platforms. However, only the RuPay card is suitable for UPI payments. UPI payments made using the card offer 1 per cent cashback, and users can accumulate reward points up to a maximum of ₹2,000 per month. Each reward point is worth ₹1 and can be redeemed for a statement credit or a gift voucher on the SBI Card Rewards portal.
