Category
UPI spending
Paying by scanning a QR code with your credit card in GPay, PhonePe or Paytm. Only RuPay cards can be linked to UPI at all, so most of a wallet simply cannot play here. The ones that can are listed with what they really earn.
No card in your wallet earns rewards on upi spending yet.
When you add a card that does, it will rank here automatically.
Best in market
Only RuPay cards can be linked to UPI at all, and the whole market tops out at 1.5%. Three cards reach it and every one of them caps out early, so treat UPI as a useful top up rather than a route to real money. · Top-tier picks from the whole Indian market, researched 11 Aug 2026.
HDFC Bank Tata Neu Infinity
1.5% back in NeuCoins on UPI, joint best rate in the market
₹1,499 + GST, waived on ₹3L a year
Nothing anywhere pays more than 1.5% on UPI, and this is one of only three cards that get there. It earns on Tata brands too, so it is not a single purpose card for QR codes alone.
The UPI earning is capped at 500 NeuCoins a calendar month and that ceiling is shared with the card's other components, so a heavy UPI month exhausts it well before the month ends.
Yes Bank × Kiwi Kiwi
The same 1.5% on UPI and it never charges you a rupee
Lifetime free
Matches the best UPI rate in the market while being lifetime free, which makes it the cheapest possible way to get there. If UPI is the only reason you want another card, this is the one that costs nothing to hold.
Monthly Kiwis are capped at 1% of your credit limit rather than a flat figure, and the cap resets on the 1st. A modest limit therefore means a modest ceiling, so check your limit before assuming the rate.
Your wallet · UPI spending
What this category is actually worth
The same checks as the wallet page, narrowed to all 0 cards that earn on upi spending. Set a monthly figure for it in to put rupees on these.
Earnings here
What each card would return on upi spending at your spend. raw rates, before caps.
Every card in your wallet is excluded from upi spending. See the reasons in the table above.
Milestone progress
Milestones on these cards, against your total spend routed to one card.
None of the cards that earn here has a milestone.
Fee check: does each card pay for itself?
Value is still counted across your whole wallet, not just this category. a card earns its fee wherever it wins. Waivers are not assumed.
| Card | Fee | Value/yr | Verdict |
|---|
Where the market beats your wallet
Your best card against the top pick in Best in market, just above. The numbers only, since the pick itself is already on this page.
No market pick with a comparable rate for this category yet.