My current ranking of RuPay credit cards for everyday spending (2026)

Been comparing a few RuPay credit cards lately since UPI on credit has become pretty useful. After looking at rewards, real-life spending value, and ease of use, this is roughly how I’d rank the ones I’ve tried or researched.

1️⃣ LevelUP (SalarySe)
What makes this one interesting is the 37.5% rewards on the 1st and last day of the month, which lines up with when most salaried people actually spend money (rent, groceries, bills, subscriptions etc.). Since it’s RuPay, UPI works everywhere too. For everyday spending patterns this one stood out the most to me.

2️⃣ Kiwi RuPay Card
Good for people who do a lot of UPI QR payments. Cashback structure is decent, but the rewards are very UPI-focused so outside that it can feel limited.

3️⃣ OneCard RuPay
Clean app and simple rewards. Nothing crazy but a decent all-rounder.

4️⃣ Scapia
Better if your focus is travel benefits rather than daily spending.

Just my personal ranking based on how salaried people usually spend money. Curious what others here are using and if there are any other RuPay cards worth checking out.