19 open cards whose structured reward, lounge, or fee data qualifies them for upi.
SBI Card
SBI's NeuCoins card: a clean, issuer-stated "1 NeuCoin = Re. 1" redemption rate — no derivation needed — spendable only within the Tata Neu ecosystem, at the same 1.99% forex rate as SBI Card ELITE.
Axis Bank
A zero-fee UPI-first cashback co-brand with Flipkart Group's super.money — its top 3% rate is capped relative to what was separately earned at 1% in the same cycle, and the issuer's own press release and T&C PDF disagree on whether ₹500/cycle is a hard ceiling.
Kotak Mahindra Bank
A RuPay fuel co-brand earning genuine Reward Points at an issuer-confirmed 4% value back on IndianOil fuel spend — the founding confirmation of this portfolio's ₹0.20-₹0.25 point-value range, with both a per-transaction fuel surcharge waiver and the portfolio's usual cumulative-fuel-spend fee waived entirely.
Kotak Mahindra Bank
A zero-fee, virtual-only RuPay card open exclusively to existing Kotak credit-card holders — earns Reward Points at a confirmed ₹0.10 each, the second of three Kotak cards to independently state this exact lower rate.
Kotak Mahindra Bank
A Fixed Deposit-backed super.money co-brand with no page anywhere on kotak.bank.in itself — genuine cashback outside the standard Reward Points programme, at a Kotak-wide-low 2% forex/DCC, but no fuel or railway surcharge waiver at all.
Kotak Mahindra Bank
A genuine flat-cashback card — 1 reward point always equals ₹1, no catalogue/cash split — at 5% on online groceries/food/entertainment and 3% on fuel, both sharing one combined ₹750/cycle cap; cash advance is not available at all.
Kotak Mahindra Bank
The Cashback+ sibling with an added 5% auto-dealer accelerator and a 0.5% base rate on insurance spends (capped at ₹25,000/cycle) — but the issuer's own FAQ explicitly confirms this card has no lounge access at all.
AU Small Finance Bank
A dual-issuance Visa+RuPay pair earning genuine issuer-stated CheQ Points percentages up to 12% on partnered brands (Amazon, Flipkart, Zomato, BigBasket, Apple, CheQ Travel) — no redemption fee, but no lounge access at any tier.
AU Small Finance Bank
The only AU Bank card in this dataset with an explicitly stated Reward Point value — ₹1/point on Paytm Gold, ₹0.50/point elsewhere — earning up to 2% on UPI Scan & Pay and 5% on Paytm Travel/Gold.
AU Small Finance Bank
A RuPay UPI card earning genuine 1% cashback (capped ₹500/cycle) plus a separate, unpriced "coins" currency on every UPI transaction — the only AU Bank card confirmed to have no annual-fee waiver of any kind, at any spend level.
AU Small Finance Bank
Issued as two genuinely different network variants (RuPay or Visa, cardholder picks one) — the second AU Bank card besides NOMO with an explicitly confirmed Reward Point value, at ₹0.25/point, earning up to 8% on tiered UPI/contactless spend.
Federal Bank
Not a standalone card — a RuPay floater linked to an existing Federal Bank Visa or Mastercard primary card, sharing its credit limit. Confirmed explicitly excluded from lounge access regardless of spend, since floater/add-on cardholders don't qualify.
Federal Bank
A dual-network card earning genuinely priced Scapia Coins (₹0.20 each) at 10% on Visa-rail spend or 5% on RuPay/UPI spend — zero forex markup, and unlimited domestic lounge access unlocked by a monthly (not quarterly) ₹20,000 spend gate.
IndusInd Bank
A CRED co-brand stating its own point value directly (1 point = ₹1) at 5% on e-commerce/CRED-app spend and 1% elsewhere — its own "Apply Now" button was observed routing to an unrelated card, so its true application flow is unconfirmed.
IndusInd Bank
A UPI-enabled RuPay card earning 2 points per ₹100 on UPI spend and 1 point per ₹100 otherwise — its confirmed ₹0.60/point rate applies only to non-cash redemption, with no cash-redemption floor stated, so no structured point value is recorded.
RBL Bank
A 100% virtual UPI-first fintech co-brand card with a genuinely disclosed ₹0.20/point value, aimed at heavy UPI spenders on the SalarySe platform.
Yes Bank
A no-fee RuPay conversion product for Yes Bank's own existing Visa/Mastercard cardholders — not open to new-to-bank applicants.
Yes Bank
A virtual-only RuPay variant restricted to existing Paisabazaar PaisaSave cardholders, adding a UPI cashback tier over the base card.
Yes Bank
A low-fee online-shopping-accelerated fintech co-brand card, issued via the Pop Club partner app, earning "POPcoins" with no disclosed rupee value.
