Best Fintech Credit Cards in India

Compare and apply for top Fintech credit cards.

Best Fintech Credit Cards in India 2026

CUB SalarySe Level Up Credit Card

4.4/5
APPLY NOW
CUB SalarySe Level Up Credit Card by City Union Bank
Joining Fee ₹0 (Virtual) / ₹500 + GST (Physical)
Annual Fee ₹0 (Virtual) / ₹500 + GST (Physical)
Best Suited For Salaried Individuals, Salary Day UPI Spends & Low Forex Foreign Transactions
Rewards Type Reward Points

Rewards Rate

25 SCoins per ₹100 on SalarySe UPI; 10 SCoins per ₹100 when monthly bill exceeds ₹20,000

Welcome Benefits

Virtual + Physical card options + 37.5 SCoins/₹100 Salary Day bonus

Card Details +

Key Advantages

  • ✓ Lifetime Free Virtual Card option available with ZERO joining and annual fees
  • ✓ Up to 37.5% Salary Day Bonus Rewards on 1st & last day of the month via SalarySe UPI
  • ✓ Low 1% foreign currency markup fee on international spends
  • ✓ Earn up to 10X rewards on daily UPI QR payments using RuPay credit card integration
  • ✓ 1 complimentary domestic airport lounge access per month on ₹10,000 previous billing cycle spend

Limitations

  • ✕ SCoins expire 18 months from the date they are earned
  • ✕ SCoins can only be redeemed on the SalarySe App for brand vouchers and catalog items
  • ✕ Lounge access requires physical card variant and ₹10,000 monthly spend threshold
Full Card Review →

KIWI UPI RuPay Credit Card

4.7/5
APPLY NOW
KIWI UPI RuPay Credit Card by YES Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Daily UPI Payments, Scan & Pay Cashback, Zero Fee RuPay Spends
Rewards Type Cashback

Rewards Rate

Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base reward: 6 Kiwis per ₹100 spent)

Welcome Benefits

Direct UPI QR Scan & Pay integration on Kiwi App with up to 5% cashback

Card Details +

Key Advantages

  • ✓ 100% Lifetime Free credit card with zero joining and annual fees
  • ✓ Earn up to 5% cashback on all eligible UPI transactions
  • ✓ Native RuPay credit card integration directly linked to Kiwi UPI App
  • ✓ Direct cashback redemption as statement credit balance (1 Kiwi = ₹0.25)
  • ✓ Domestic airport lounge access available via Neon spend milestones

Limitations

  • ✕ Top 5% cashback requires optional Kiwi Neon subscription and annual spend milestones
  • ✕ Minimum balance of 500 Kiwis (₹125) required to trigger cashback redemption
  • ✕ No reward points earned on fuel, rent, wallet, insurance, telecom, or utility spends
Full Card Review →

Uni GoldX Credit Card

4.2/5
APPLY NOW
Uni GoldX Credit Card by Bank of Baroda
Joining Fee Lifetime Free
Annual Fee Lifetime Free
Best Suited For Zero Forex and Flat 1% Back on Everything, Including UPI
Rewards Type Reward Points

Rewards Rate

1% back as Uni Coins (redeemable as 24K digital gold or cashback) on all eligible card and UPI spends of ₹100+, uncapped; up to 8% back on vouchers and 7% on hotels via the Uni Store

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ Lifetime free with no spend conditions
  • ✓ Zero forex markup on international spends
  • ✓ Flat 1% back on almost everything, including UPI Scan & Pay with the RuPay card, with no cap
  • ✓ Rewards can be taken as 24K digital gold or cashback, and don't expire
  • ✓ Extra value through the Uni Store: up to 8% on vouchers, 7% on hotels, and 50% back on PVR INOX tickets

Limitations

  • ✕ The base 1% is modest; the higher rates need you to buy through the Uni Store
  • ✕ No rewards on international spends, despite the zero forex markup
  • ✕ No rewards on fuel, rent, wallet loads, money transfers or cash
  • ✕ UPI spends earn only on transactions of ₹100 or more
  • ✕ High interest rate of 3.99% a month if you carry a balance
Full Card Review →

Fintech Cards at a Glance

Best Fintech Credit Cards Comparison Table
Card Fee Rating
1. CUB SalarySe Level Up Credit Card ₹0 (Virtual) / ₹500 + GST (Physical) ★ 4.4 View →
2. KIWI UPI RuPay Credit Card Free ★ 4.7 View →
3. Uni GoldX Credit Card Lifetime Free ★ 4.2 View →

Frequently Asked Questions

Explore Other Categories

🎁
Rewards
💰
Cashback
💳
Lifetime Free
✈️
Travel
🌐
Forex

Compare Credit Cards

2 cards selected