Lifetime-Free RuPay Credit Card with up to 5% Cashback on UPI Payments & Everyday Spends
Everyday merchant UPI payments, online shopping, and digital gold savings.
Free
One-time upfrontFree
Lifetime Free — no renewal fee3% on UPI, 5% on online & gold
On eligible spendsNo Lounge Access
Retail / daily focusLast verified 25 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Kredit.Pe Max Credit Card (powered by YES BANK) is a compelling option for frequent merchant UPI spenders. Issued on the RuPay network with zero joining and annual fees (Lifetime Free), it offers 3% base cashback on merchant UPI transactions via the Kredit.Pe app and scales to 5% once monthly UPI spends cross the milestone threshold (the exact threshold is subject to official conflict between ₹20,000 and ₹25,000; marked SOURCE_CONFLICT / UNKNOWN). It also offers 5% cashback on online spends and digital gold purchases, alongside a ₹1,000 welcome bonus. Cardholders should note that cashback is earned within the Kredit.Pe closed-loop ecosystem and must be redeemed for brand vouchers, digital gold, or travel discounts rather than direct bank statement credits.
Earn ₹1,000 cashback credited to Kredit.Pe wallet upon card activation and initial spend.
Earn 3% base cashback on merchant UPI QR transactions via Kredit.Pe app, scaling to 5% milestone cashback. Note: The qualifying monthly spend threshold is subject to official source contradiction (₹20,000 on homepage FAQ vs ₹25,000 on /cards product page; marked as SOURCE_CONFLICT / UNKNOWN).
Earn 5% cashback on eligible online shopping transactions and 5% cashback on digital gold/silver purchases within the Kredit.Pe ecosystem.
No joining fee and no annual fee for life on RuPay network with native credit-on-UPI linkage.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| UPI Merchant Spends (Base Tier) | 3% cashback | No Cap | Standard terms apply |
| UPI Merchant Spends (Accelerated Milestone) | 5% cashback | No Cap | Standard terms apply |
| Online Spends | 5% cashback | No Cap | Standard terms apply |
| Digital Gold & Silver Purchases | 5% cashback | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| UPI Merchant Spends (Base Tier) | ₹18,000 | 3% cashback | — | None | Calculating... | Under cap |
| UPI Merchant Spends (Accelerated Milestone) | ₹4,000 | 5% cashback | — | None | Calculating... | Under cap |
| Online Spends | ₹4,000 | 5% cashback | — | None | Calculating... | Under cap |
| Digital Gold & Silver Purchases | ₹4,000 | 5% cashback | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining & Annual Fee: ₹0 (Lifetime Free / LTF) • Welcome Bonus: ₹1,000 cashback credited to Kredit.Pe wallet upon card activation • UPI Cashback (Base): 3% cashback on merchant UPI transactions via Kredit.Pe app (Threshold: SOURCE_CONFLICT / UNKNOWN — Homepage FAQ cites ₹20,000/mo, Product page cites ₹25,000/mo) • UPI Cashback (Accelerated): 5% cashback on merchant UPI transactions once monthly spend threshold is exceeded (Threshold: SOURCE_CONFLICT / UNKNOWN) • Online Spends: 5% cashback on eligible online shopping • Digital Gold: 5% cashback on gold and silver purchases; up to 15% monthly cashback convertible to free gold • Forex Markup: UNKNOWN (Not disclosed in official MITC/application disclosures) • Redemptions: Cashback is redeemed for brand vouchers (Amazon, Flipkart, Swiggy, Zomato, Uber), digital gold, and flight discounts within the Kredit.Pe ecosystem.
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding Kredit.Pe Max Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official YES BANK portal with paperless verification.
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