Thread by @CardsavvyIndia

🧵 UPI Credit Cards have EXPLODED!

From just 7-8 cards to 70+ options in 2 years! 📈

Here are the TOP 5 UPI credit cards that actually give you REAL cashback on every QR scan 🔥

Thread with exact benefits & which one to pick 👇

🚀 UPI CREDIT CARD REVOLUTION:

💡 Game Changer: Pay via UPI, get credit card rewards
🎯 Perfect For: Daily spends at local shops, vendors, restaurants
⚡ Why Now: Every merchant accepts UPI, finally get rewards!
The future of payments is here! 📱

🏆 #1 KIWI CREDIT CARD - UPI King

💰 Up to 5% cashback on every UPI QR payment!
💳 Cost: Lifetime Free + ₹999/year Neon membership
🎯 Milestone System:
₹50k spend: 3% cashback + lounge access
₹1L spend: 4% cashback + 2 lounge visits
₹1.5L spend: 5% cashback + 3 lounge visits

🥈 #2 KreditPe Yes RuPay - Most Versatile

💸 2% flat UPI cashback (unlimited!)
💳 Cost: Lifetime Free
🎁 Welcome: ₹1,000 bonus via KreditPe app
🛍️ Redeem: 6-30% discounts on Amazon, Flipkart, Swiggy

🥉 #3 Rio Money Credit Card

💰 3% cashback via Ro UPI app
💳 Cost: Lifetime Free
✈️ Lounge: 2 visits per quarter (₹50k spend)
⛽ Fuel: 1% surcharge waiver (₹10k+ transactions)
🏦 Note: Yes Bank one-card policy applies

🏪 #4 Tata Neu Infinity - Ecosystem Play

🛍️ 10% Neu Coins on Tata brands via app
💸 1.5% on UPI via Tata Neu app (500 coins cap)
💳 Cost: ₹1,499 annual fee
✈️ Lounge: 8 domestic visits annually
🎁 Welcome: ₹1,499 Neu Coins
Best for Tata ecosystem users! 🏢

👶 #5 IDFC First Earn - Beginner Friendly

💰 1% UPI cashback via IDFC app
💳 Cost: ₹499 annual fee
🏦 Special: Available against ₹5k FD!
📱 Universal: 0.5% on all other spends
🎬 Bonus: 25% off on Paytm Movies

📊 AT A GLANCE:

🥇 Highest UPI Cashback: KIWI Card (5%)
🥈 Unlimited Cashback: KreditPe (2%)
🥉 Best Free Option: Rio Money (3%)
🏪 Ecosystem Winner: Tata Neu (10% Tata brands)

⚠️ CASHBACK WON'T WORK ON:

❌ Fuel payments
❌ Rent via payment apps
❌ Insurance premiums
❌ Education fees
❌ Utility bills (except KreditPe)
❌ Government services
❌ Cash withdrawals

💬 WHICH CARD INTERESTS YOU?

Drop your choice below! 👇

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