Want Cashback on Every UPI Swipe? These Credit Cards Deliver!"   Big rewards. Zero hassle. Let’s break down the best cards of 2025

IndusInd Bank Platinum

1. Lifetime free  2.  2 RP per ₹100 via UPI 3. Flexible redemption (cash, vouchers, miles) Ideal for budget-savvy spenders

HDFC Bank UPI RuPay

₹99 joining fee Up to 3% CashPoints on dining/groceries 2% on utilities | 1% others  Smart choice for daily UPI transactions

ICICI Coral RuPay

Lounge access + movie discounts  Base rewards on UPI spends  Lifetime free for ICICI users   Perks beyond payments

Tata Neu Infinity HDFC

₹1,499 fee 1.5% NeuCoins on UPI Extra rewards on Tata brands  Includes domestic/international lounge visits

YES Bank   PaisaSave

₹0 joining fee 1.5% cashback on UPI + offline spends 3% online (capped at ₹5K/month)   Great for mixed spenders

PhonePe SBI Card SELECT BLACK

Joining Fee: ₹1,499 Welcome Gift: ₹1,500 PhonePe e-gift voucher Rewards: Up to 10% on PhonePe & Pincode spends Up to 5% on other online spends 1% on all other eligible spends

Smart Checklist Before You Apply

Align card rewards with your primary spending categories Evaluate joining fees and annual waiver conditions carefully Understand the redemption process, whether cash credit, vouchers, or travel perks