Best RuPay Credit Cards in India (2025): Why Jupiter Edge Tops UPI Payments

In 2025, UPI has become the backbone of India’s payments ecosystem, and RuPay credit cards are at the center of this transformation. Unlike Visa or Mastercard, only RuPay credit cards can be directly linked to UPI apps like PhonePe, Paytm, and Google Pay. This unique feature allows Indian consumers to enjoy the flexibility of UPI transactions while earning credit card rewards — something that was impossible just a few years ago.

With multiple banks and fintechs entering the market, choosing the right RuPay card can be confusing. Here, we evaluate seven of the most talked-about RuPay credit cards in India and explain why Jupiter Edge+ consistently emerges as the best for UPI-linked payments and everyday cashback.

Rewards Comparison: Monthly Spend vs Cashback/Rewards

Monthly Spend (₹)	Jupiter Edge+	Scapia Travel @4%	Kiwi Neon - Scan & Pay @2%	Tata Neu Plus HDFC Bank	UniCards GoldX - Digital Gold Rewards*	Airtel Axis Bank	Axis Bank SuperMoney
₹0.00	₹0.00	₹0.00	₹0.00	₹0.00	₹0.00	₹0.00	₹0.00
₹10,000.00	₹1,000.00	₹400.00	₹200.00	₹200.00	₹100.00	₹1,015.00	₹100.00
₹15,000.00	₹1,500.00	₹600.00	₹300.00	₹300.00	₹150.00	₹1,065.00	₹150.00
₹20,000.00	₹1,750.00	₹800.00	₹400.00	₹400.00	₹200.00	₹1,115.00	₹200.00
₹25,000.00	₹2,000.00	₹1,000.00	₹500.00	₹500.00	₹250.00	₹1,165.00	₹250.00
₹30,000.00	₹2,250.00	₹1,200.00	₹600.00	₹600.00	₹300.00	₹1,215.00	₹300.00
₹35,000.00	₹2,500.00	₹1,400.00	₹700.00	₹700.00	₹350.00	₹1,265.00	₹350.00
₹40,000.00	₹2,550.00	₹1,600.00	₹800.00	₹800.00	₹400.00	₹1,315.00	₹400.00
₹45,000.00	₹2,600.00	₹1,800.00	₹900.00	₹900.00	₹450.00	₹1,365.00	₹450.00
₹50,000.00	₹2,650.00	₹2,000.00	₹1,000.00	₹1,000.00	₹500.00	₹1,415.00	₹500.00

Card-by-Card Breakdown

Jupiter Edge+: The Everyday Cashback Leader

• Rewards: 10% on shopping (₹1,500 cap), 5% on travel (₹1,000 cap), 1% on other spends.
• UPI Advantage: RuPay-native, works seamlessly on UPI apps for QR and Scan & Pay.
• Extras: Free 1-year Amazon Prime (₹1,499 value), EazyDiner membership, OTT perks.
• Real-world Value: At ₹25,000 spend, it delivers ₹2,000 cashback — 4x higher than most rivals.
• Best For: Urban professionals, digital shoppers, and anyone who wants maximum cashback flexibility plus UPI support.
  
  

UniCards GoldX: Digital Gold Rewards

• Rewards: Digital gold equivalent, ~1% value.
• Strength: Attractive for those who want to accumulate gold through spending.
• Weakness: Very low reward value compared to Jupiter (₹500 vs ₹2,650 at ₹50,000 spend).
• Best For: Gold-savvy consumers, but niche appeal.

Kiwi Neon: Flat 2% on UPI Scan & Pay

• Rewards: 2% cashback, capped at ₹1,000/month.
• Strength: Simple structure, RuPay-enabled UPI usage.
• Weakness: Capped too low for high spenders, limited perks.
• Best For: Entry-level users who want flat UPI rewards.

Airtel Axis Bank RuPay Credit Card

• Rewards: 25% on Airtel bills/recharges (capped), 10% on utilities + Swiggy/Zomato/BigBasket, 1% elsewhere.
• Strength: Great for Airtel customers and households with high bill spends.
• Weakness: Caps limit true earning potential.
• Best For: Airtel ecosystem loyalists.

Tata Neu Plus HDFC Bank

• Rewards: NeuCoins across Tata ecosystem (Croma, BigBasket, Air India, etc.).
• Strength: Useful if you shop heavily on Tata platforms.
• Weakness: Rewards locked into Tata Neu app; relatively low at ₹50,000 spend (₹1,000).
• Best For: Tata brand loyalists.

Axis Bank SuperMoney

• Rewards: Flat 1% cashback.
• Strength: Beginner-friendly.
• Weakness: Least competitive on rewards (₹500 at ₹50,000 spend).
• Best For: First-time credit users.
  
  

Scapia Travel Credit Card

• Rewards: 4% Scapia Coins, redeemable on Scapia app for travel.
• Strength: No annual fee, free lounge access, zero forex markup.
• Weakness: Rewards locked to Scapia platform; not true cashback.
• Best For: Frequent travelers booking via Scapia app.

Why Jupiter Edge+ Tops UPI Payments in 2025

1. Highest Returns on UPI-linked Spends:
   Unlike Kiwi’s 2% flat or Uni’s ~1% gold equivalent, Jupiter Edge+ offers up to 10% shopping and 5% travel cashback even on UPI transactions.
2. Bigger Reward Caps:
   With a combined cap of ₹2,500/month, it allows significantly more earning potential than Kiwi’s ₹1,000/month cap.
3. Flexible Redemption:
   Rewards (Jewels) can be redeemed as cash, vouchers, or even digital gold on the Jupiter platform, giving unmatched flexibility.
4. Lifestyle Perks:
   Free Amazon Prime subscription, dining and OTT add-ons make it more lifestyle-friendly than pure cashback cards.
5. Balanced Everyday + Premium Card:
   Whether you’re spending ₹10,000 or ₹50,000 per month, Edge+ consistently delivers 3–5x the reward value of competing RuPay cards.

Final Verdict

• For Maximum Cashback & UPI Everyday Use → Jupiter Edge+ wins.
• For Airtel Loyalists → Airtel Axis Bank Card fits.
• For Gold Accumulation → UniCards GoldX is niche but unique. Remember Jupiter Edge+ has ‘Jewels’ which can be redeemed as Digital Gold.
• For Beginners → Axis SuperMoney or Kiwi Neon offer simple starts.
• For Travelers → Scapia Travel Credit Card offers perks despite ecosystem lock-in.
  
  

But across all categories, Jupiter Edge+ emerges as the most rewarding RuPay credit card in India (2025), thanks to its UPI-native functionality, high reward multipliers, and redemption flexibility.