Kotak's lifetime-free RuPay credit card designed for UPI-first spending, offering a flat 3% reward rate with no annual fee — a strong simple option for UPI-heavy everyday spenders wanting to earn rewards on credit rather than debit.
Data completeness: 100% · Last verified: 09 Jul 2026
All fees shown base + 18% GST (India card fees legally attract GST).
| Category | Type | Rate | Cap | Notes |
|---|---|---|---|---|
| utilities | points | 0.30%(3 pts @ ₹0.10) | ₹35,000 / monthly | Earns rewards on utility spends up to ₹35,000 per statement cycle. |
| all_spends | points | 0.30%(3 pts @ ₹0.10) | — | 3 pts/Rs100; 1,000pts=Rs100 (Rs0.10/pt) |
| travel | points | 0.30%(3 pts @ ₹0.10) | — | — |
| online_spends | points | 0.30%(3 pts @ ₹0.10) | — | 3 Reward Points per ₹100 spent on eligible merchant UPI payments |
| fuel | points | 0.00%(0 pts @ ₹0.25) | — | Restricted category |
None specified
UPI QR payment enablement
Full UPI linkage for QR/merchant payments via Google Pay, PhonePe, Paytm, BHIM
unlimited.