If you are searching for the best UPI credit card in India that gives guaranteed cashback on every transaction, then this in-depth Kredit Pe Credit Card Review will help you make the right decision.
Kredit.Pe has quickly become one of the fastest-growing UPI-based credit card platforms in India due to its lifetime-free YES BANK RuPay card, high cashback structure, milestone benefits, gold discounts, and a smooth app experience.
In this detailed Kredit Pe Credit Card Review, we will cover:
- What is Kredit.Pe?
- Features of Kredit Pe Credit Card
- Cashback & rewards structure
- Charges, fees & hidden conditions
- Benefits & drawbacks
- Gold purchase system
- Voucher redemption
- Real-world practical usage
- Should you apply or skip?
- Final verdict
This is a comprehensive 2000+ words Kredit Pe Credit Card Review, written for ranking on Google with proper keyword optimization.
Also Read: 💳 Scapia Credit Card Review – Best Lifetime Free Travel Credit Card by Federal Bank
🔰What is Kredit.Pe?
Kredit.Pe is a modern UPI-based financial app that allows users to make UPI payments using a RuPay Credit Card.
Built for rewards and cashback lovers, the platform is fully certified with ISO 27001 and ISO 27701 security standards, making it safe and compliant for financial transactions.
In this Kredit Pe Credit Card Review, it is important to highlight that the company partners with YES BANK to offer a lifetime-free RuPay credit card that can be linked to UPI apps such as:
- Google Pay
- PhonePe
- Paytm
- BHIM
- Kredit.Pe itself
This allows users to earn cashback on daily transactions like groceries, fuel, restaurant bills, shopping, utilities, and local shop QR scans.
🔰Kredit Pe Credit Card Review: Key Features
Now let’s dive into the most important section of this Kredit Pe Credit Card Review — the features that make this card stand out.
✔ Lifetime Free UPI Credit Card
There are zero joining fees, zero annual fees, and no hidden charges. Unlike many banks that start charging renewal fees in Year 2, Kredit.Pe guarantees a lifetime-free card.
✔ 1% Cashback on Every UPI Payment
Every UPI QR payment done through the Kredit.Pe app gives:
- Flat 1% Cashback
- No minimum spend
- No complicated categories
This alone makes Kredit.Pe more rewarding than many other UPI credit card platforms.
✔ Unlimited 2% Cashback on Kredit.Pe Card Spends
Using the YES BANK RuPay Credit Card directly through Kredit.Pe gives 2% cashback with no upper limit.
This part of the Kredit Pe Credit Card Review shows why it is great for heavy spenders.
✔ Monthly Milestone: 3% Cashback
If you cross ₹25,000/month UPI spend, you get an additional 3% cashback credited on the 1st of every month.
✔ ₹10 Discount on Bill Payments
For recharges & bill payments (mobile, DTH, electricity), users get ₹10 flat discount each time, making savings effortless.
✔ 7% Off on Gold Purchase
Kredit.Pe allows digital gold buying with up to 7% off using cashback coins.
✔ Voucher Discounts
Users can redeem cashback for flat discount vouchers of:
- Amazon
- Flipkart
- Myntra
- Swiggy
- Zomato
- Ajio
- BigBasket
This flexibility increases real-world value.
🔰Cashback Structure Explained (Most Important in This Kredit Pe Credit Card Review)
UPI Payments → 1% Cashback
Example:
Spend: ₹10,000
Cashback: ₹100
Kredit.Pe Card Payments → 2% Unlimited Cashback
Example:
Spend: ₹20,000
Cashback: ₹400
Milestone 3% Extra Cashback (After ₹25,000 Spend)
If monthly UPI spend = ₹30,000
Milestone Cashback = ₹900 (3%)
Gold Discount → Up to 7%
Buying gold worth ₹1,500 → Save ₹105 instantly.
This Kredit Pe Credit Card Review shows that effective cashback can reach 5–7% monthly, which is extremely high.
🔰Fees & Charges (Transparent Breakdown)
As part of this Kredit Pe Credit Card Review, here are all the charges:
| Type | Charge |
|---|---|
| Joining Fee | ₹0 |
| Annual Fee | ₹0 |
| UPI Fee | ₹0 |
| Cashback Redemption Fee | ₹0 |
| GST | Standard on interest/late fee |
| Late Fee | As per YES BANK policy |
There are no hidden charges.
🔰Pros & Cons (Honest Kredit Pe Credit Card Review)
👍 Pros
- Lifetime free card
- Highest UPI cashback (up to 3%)
- Unlimited 2% card cashback
- Smooth & fast approval
- Monthly milestone boosts earnings
- ISO-certified secure platform
- UPI-compatible RuPay card
- Gold & voucher discounts
👎 Cons
- Cashback cannot be transferred directly to bank
- Some categories like rent, wallet loading may not earn cashback
- Gold discounts depend on premium partners
- Voucher stock may vary
🔰Who Should Apply for Kredit.Pe Card?
This Kredit Pe Credit Card Review strongly recommends the card for:
- Students
- Salaried employees
- Daily UPI users
- Cashback lovers
- Heavy spenders
- People wanting a lifetime free card
Avoid if you need:
- Airport lounge access
- Direct bank cashback
- Travel rewards instead of UPI rewards
🔰Final Verdict — Kredit Pe Credit Card Review Summary
After analyzing all features, cashback structure, practical usage, pros & cons, this Kredit Pe Credit Card Review concludes:
⭐ Kredit.Pe is one of the best UPI credit cards in India for cashback lovers.
It offers exceptional value:
- High cashback
- Lifetime free card
- Simple rewards
- Extra milestone bonuses
- Zero hidden charges
If your monthly UPI spends are ₹10,000 to ₹40,000, you will save the most with this card.