Credit on UPI / 5 matches

RuPay cards

RuPay variants that can be linked for eligible merchant UPI transactions.

UPI rewards may require a specific app, UPI ID or minimum transaction value.

01 / RuPay

Kiwi RuPay

Yes Bank / PNB / AU Bank

Why it qualifies

1.5% base value on eligible RuPay UPI spends

Neon milestones can raise the rate; excluded MCCs remain ineligible.

Card highlights

Fee: PNB virtual / AU free; PNB physical fees apply. Neon is separate
Neon: Up to 5% cashback on UPI transactions with Neon Membership
Lounge: Up to 3 domestic lounge visits with Neon milestones

View card details Apply for Kiwi RuPay

02 / Visa / RuPay

Tata Neu Infinity

HDFC Bank

Why it qualifies

Up to 1.5% NeuCoins on eligible UPI spends

Any eligible UPI ID earns 0.5%; a Tata Neu UPI ID adds 1%. Total UPI rewards are capped at 500 NeuCoins per month.

Card highlights

Tata Neu: 5% NeuCoins on eligible Tata ecosystem spends
Base: 1.5% NeuCoins on most retail spends
Bills: 5% NeuCoins on Tata Neu/Tata Pay utilities; insurance follows eligible terms

View card details Apply for Tata Neu Infinity

03 / RuPay

Jupiter Edge+

CSB Bank

Why it qualifies

Jewels on eligible UPI transactions

Rewards require Jupiter UPI Intent, Scan and Pay or Collect.

Card highlights

Shopping: Up to 10% value; from 10 Oct 2026 the accelerated rate requires over Rs 15K qualified cycle spend
Flights: 25% Jewels on Jupiter Flights
Other spends: 5% Jewels on other eligible spends

View card details Apply for Jupiter Edge+

04 / RuPay Select

IDFC HPCL Power+

IDFC FIRST Bank

Why it qualifies

RuPay Select card works for eligible UPI merchant spends

Fuel and accelerated-category caps apply separately.

Card highlights

Fuel: 5% value back on HPCL fuel up to Rs 12K/statement
UPI: RuPay Select card works for eligible UPI spends
Utilities: 5% value on groceries, utilities and FASTag within caps

View card details Apply for IDFC HPCL Power+

05 / RuPay / Visa / Mastercard

Axis Neo

Axis Bank

Why it qualifies

RuPay variant supports eligible merchant UPI payments

Neo has a low base reward rate and many excluded MCCs.

Card highlights

Fee: Rs 250; LTF on select channels
Zomato: Flat Rs 120 off on Rs 499+, twice/month
Utilities: 5% off Paytm utility bills up to Rs 150 per order, once/month

View card details Apply for Axis Neo

These matches use published earn rules and exclude known zero-earn categories. Merchant category codes, caps, payment routes and issuer changes still control the final reward. Each card detail page includes its current exclusion list and official source.

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