What's good
- 1.5% base cashback on UPI scan & pay — no annual fee, no spend requirement
- Up to 5% cashback with Kiwi Neon (₹999/year) after ₹1.5L annual milestone spend
- Instant virtual card issuance via YES Bank or AU Small Finance Bank — no income proof needed
Watch out for
- Monthly cashback capped at 1% of credit limit (e.g., ₹500/month on ₹50K limit)
- Online transactions earn only 0.5% cashback — designed primarily for offline UPI scans
- No rewards on utilities, fuel, rent, insurance, telecom, education, jewelry, and government payments
Who should pick this card?
Best suited for someone focused on upi-first spenders.
This sits in the RuPay & UPI category — Link to UPI apps for rewards on every payment. Works seamlessly with BHIM, PhonePe, and Google Pay.
Fees, reward rates, and caps last verified in May 2026. Issuers update terms without notice — always confirm on the bank's official page before applying.
More RuPay & UPI picks
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