India, Sept. 2 -- Cashback has become one of the biggest attractions for digital payments in India. Whether you're shopping online, paying utility bills, or buying groceries, both Credit Cards and UPI apps offer opportunities to earn rewards. But which option delivers greater value over an entire year? The answer depends on your spending habits, reward structures, and payment preferences. If you're considering a UPI Credit Card, it's worth understanding how it compares with UPI cashback offers before choosing the best cashback credit card for your needs.

A cashback Credit Card returns a percentage of eligible spending as cashback or statement credit, subject to the card's terms and conditions.

Depending on the card, cashback may apply t...