RBL Bank
A fully virtual card for heavy UPI users: 5 points per ₹100 through the SalarySe app, rising to 10 past ₹20,000 a month, worth ₹0.20 each. ₹499 a year.
Reward points
Welcome benefits: 2,500 points for a first transaction of ₹500+ within 30 days; 2,000 points for 15 UPI transactions of ₹500+ each within 30 days; 1,500 points for ₹30,000 spend within the first 3 months.
Not published by the issuer.
No specific eligibility criteria published by the issuer.
Taken from RBL Bank's own published terms. Last verified 2 September 2026
SBI Card
5% back in NeuCoins across Tata brands and 1.5% elsewhere including UPI, each coin worth ₹1. ₹1,499 a year, with a 1.99% forex markup.
Axis Bank
A no-fee RuPay card paying 3% on UPI through the super.money app and 1% on everything else. The 3% is capped against what you earn at 1% in the same cycle.
Kotak Mahindra Bank
4% back on IndianOil fuel, plus 12 points per ₹150 on groceries and dining. ₹449 a year, waived above ₹50,000 of spend, with the fuel surcharge waived too.
