🕒 Last updated on: November 21, 2025
Discover the Best RuPay Credit Card for UPI (Lifetime Free)
The world of digital payments in India has been revolutionized by UPI (Unified Payments Interface). Now, with the integration of RuPay credit cards into UPI, your daily transactions just got even more rewarding. Imagine earning cashback or points every time you scan a QR code!
But with several players entering this exciting space, choosing the right Lifetime-Free RuPay Credit Card for UPI can be a bit confusing. Don’t worry, we’re here to break down the most popular options: superCard Pro, Kiwi Click, and HDFC Bank Tata Neu Infinity Credit Card.
Let’s dive into a detailed comparison to help you discover which RuPay Credit Card is the perfect fit for your spending habits (Dec'25).
Disclaimer: This blog may include affiliate links. They help support our work but don’t affect product rankings/reviews. Our recommendations are based on unbiased evaluations & personal experience.
Benefits of a Lifetime-Free RuPay Credit Card for UPI
Before we compare, let’s quickly understand the benefits:
Convenience: Link your credit card directly to your UPI app (like Google Pay, PhonePe, Paytm), and pay via QR code scans. No need to carry physical cards!
Rewards & Cashback: Earn points or cashback on your UPI spends, turning everyday transactions into savings.
Lifetime Free: No annual fees means you enjoy all the benefits without any recurring costs.
Boost Credit Score: Responsible usage helps build a strong credit history.
The Contenders: Supermoney vs Kiwi vs Neucard
We have chosen the 3 Best RuPay Credit Cards for UPI—Supermoney vs Kiwi vs Neucard (or Supercard Pro, Kiwi, and HDFC Bank Tata Neu Infinity)—because they have the best reviews for UPI-based rewards compared to other options like YES Bank POP or Rio Money. These cards are at the forefront of the “spend and earn” revolution.
Let’s dive into a detailed comparison to help you discover which card is the perfect fit for your spending habits.
SuperCard Pro (by super.money)
Key Features:
- Flat 3% Cashback on superUPI (Rs 500/month)
- Flat 1% Cashback on Other Spends
- Referral Signup Benefit: Up to Rs 500 Cashback (Limited Time)
- Lifetime Free Credit Card
- Exclusive Cashback Offers on OLA, Myntra, MMT and more
- Flipkart occasionally promotes the super.money app and superCard Pro through discount and cashback offers.
- No Airport Lounge Access Offered.
- Up to 5% Cashback on superUPI
Kiwi Klick Credit Card (by Kiwi)
Key Features:
- 1.5% Cashback on Kiwi UPI
- 2-5% Cashback with Kiwi Neon Membership (Rs 999)
- 3 Airport Lounge Access (On spends of 50/100/150k*)
- Referral Code: Will Be Updated Soon!
- Referral Signup Benefit: ₹100-800 on Signup (Dec'25)
- Lifetime Free Card
- Monthly Spend-based Offers
- *Milestone Based Lounge Access: 3 Lounge Access are offered on spends of 50K, 100K and 150K.
- Cashback on money transfers and Bill Payments
Tata Neu Infinity Credit Card (by Tata Neu)
Key Features:
- 1.5% Cashback on Neu UPI up to Rs 500/month (RuPay Card)
- 10% Value back on Shopping (Neu App)
- 5% Value back on Recharge and Bills
- 8 Domestic & 4 International Lounge Access*
- Referral Signup Benefits: Spotify Premium (SAUR1137)
- You may get LTF (Annual Fees: 1499 + GST)
- *Lounge Benefits are Milestone based: Offered if Rs 50,000 spent in last quarter.
- **1499 Neucoins are received as welcome benefit only if joining fee is paid.
- Up to 20% discount during payday or seasonal sales
Side-by-Side Comparison: Best RuPay Credit Card for UPI
| SuperCard Pro (Axis) | Kiwi Klick Credit Card | HDFC Tata Neu Infinity Credit Card | |
| Joining/Annual Fees | LTF | LTF | May offer LTF otherwise Rs 1499 |
| CashBack on UPI | 3% | Basic: 1.5% or 2-5% with Kiwi Neon | 1.5% |
| UPI CashBack Limit | 500/month | No Limit | 500/month |
| Referral Signup Benefits | Up to Rs 500 Signup Bonus | Up to ₹800 worth Kiwis (bank) | 1499 NeuCoins** and 3 months Spotify Premium |
| Lounge Benefits | No | Yes, Milestone Based | Yes, Milestone Based |
| Rewards Monthly UPI Spends Up to | 16.667 | No Limit | 33,333 |
| Referral Code | Referral Link Only | NM67RZ | SAUR1137 |
*Benefits of optional Kiwi Neon Membership (Fees 999):
- Eligible for Lounge Benefits (Milestone Based)
- Pay through Kiwi UPI with Kiwi Klick Credit Card and get 2% Base Cashback and an accelerated cashback of 3/4/5% on spends of Rs 50K/100K/150K. (Otherwise, a flat 1.5% Cashback without Neon Membership)
**Welcome benefit of 1499 NeuCoins is received only if joining fees is paid.
Best RuPay Credit Card for UPI: Calculator
UPI Cashback Calculator: Kiwi vs SuperMoney vs Neu Card
Which one is Right for You?
Choosing the “best” card depends on your spending habits and priorities:
For Maximum Cashback on UPI: If your primary goal is to get the highest possible cashback on UPI transactions with no limit, the Kiwi Klick Credit Card could be a strong contender.
For Ecosystem Rewards: If you frequently shop at Tata brands like Big Basket or Croma, the HDFC Bank Tata Neu Infinity Credit Card is a no-brainer. Its rewards will quickly outpace others, even if it has an annual fee.
For Highest Cashback on UPI: If your Monthly UPI Spends are below Rs 16,700 and if you want a straightforward, easy-to-use card with the highest cashback percentage on UPI, then just go for the Supercard Pro.
All three cards are reliable and offer the fundamental benefit of being RuPay-enabled for UPI, a game-changer for digital payments. Make sure to check the latest terms and conditions, specific cashback rates, and ongoing offers before making your decision, as these can change frequently.
Keep Spending! Keep Saving!
We hope you liked our detailed comparison between the 3 best RuPay credit card for UPI. We would also recommend you to read our recent post: Flipkart Axis Credit Card vs superCard Pro.
Keep Spending! Keep Saving!
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Is kiwi neon membership free on signup with referral code?
No. Now, you have to purchase it separately.
Thanks for the Comment.