All categories
Cards ranked for upi
By effective returnmiles · base rate fallback · excl. rent, fuel, utility, insurance, wallet load, education, govt payments
7%
cap: none
Verifiedmiles · base rate fallback · excl. rent, fuel, utility, insurance
4%
cap: none
Verifiedreward points · base rate fallback · excl. rent, fuel, wallet load, tax, emi, education, govt
3.3%
cap: none
Verifiedcashback · base rate fallback · excl. fuel, rent, utility, insurance, wallet load, govt payments
3.3%
cap: none
VerifiedAbout upi rewards
Payments made via UPI apps (PhonePe, Google Pay, Paytm). The Axis Bank Reserve leads for upi today at 7% effective return.
What you would earn
Example calculationA ₹1,200 upi purchase
₹84 reward
Axis Bank Reserve, 7% effective miles.
Frequently asked
2 questionsWhich credit card earns the most on upi in India?
The Axis Bank Reserve earns 7% effective return on upi, the highest of the 8 cards Tapwise tracks in this category.
How often does Tapwise update upi reward data?
Reward rules are re-checked weekly against issuer documents. The "verified" badge on a card means the rule was hand-reviewed; "approximate" means our team is still finalising it and we use conservative defaults so users see at least as much reward as we promise.