Hey, friends! It’s so easy to send money these days, isn’t it? Just tap your phone or card, and you’re done! No-touch digital payments, or contactless payments, are now everywhere – from shops to UPI. This trend has increased further in India in 2025, as the RBI has allowed RuPay cards to be linked to UPI.
I checked out some of the top options, and boy, these cards are not only safe but also offer cashback and rewards. Let’s take a simple look at which card is best for you – for shopping, travel, or everyday use!
What’s the Scenario of Contactless Payments?
No-touch means NFC (Near Field Communication) technology – just touch your card or phone to the terminal, enter your PIN or use your fingerprint, and you’re done.
Tokenization keeps your real card details secure, eliminating the risk of a hack. In 2025, this becomes even more seamless with UPI, as UPI is now available on basic phones through 123Pay. Now, let’s take a look at the top cards!
Top No-Touch Cards: Which One to Get?
I’ve shortlisted the latest options for 2025 – from RuPay UPI cards to virtual debit cards. All of these are contactless and perfect for India.
1. UPI Credit Card via Kiwi:
This is a lifetime free card that works directly with UPI QR codes. Cashback on every payment, and no annual fee! Best for beginners, as you can tap-and-pay by linking to UPI. Joining fee? Zero.
Rewards: Up to 5% cashback on daily spends.
2. SBI Virtual Debit Card: Solid for Business
This virtual card from SBI is for online shopping and payments. It’s issued instantly and protected by a secure token. Contactless with UPI integration, you can create unlimited cards for business.
Limit: Up to ₹5 lakh per card.
Perk: No physical card, manageable only through the app.
3. Volopay Virtual Debit Card:
This is business-focused, but also useful for personal use. Instant creation, set spending limits, and link to UPI. This is the top choice for paying vendors in 2025.
Features: QR code payments and peer-to-peer transfers.
Cost: Free for basic, extra controls with premium plans.
4. RuPay Credit Cards (SBI, Axis, HDFC):
As a result of RBI regulations, RuPay cards are now contactless by linking to UPI. For example, SBI RuPay Select or HDFC RuPay Millennia – tap and pay by phone.
Rewards: 1-5% cashback on fuel and groceries.
Annual fee: ₹500-₹2,000, but there are waivers on spends.
Best for: Travel and lounge access.
5. PhonePe/Paytm Wallet Cards: Tap to Wallet
These apps’ virtual cards work with NFC. PhonePe’s RuPay-powered cards link to UPI, and Paytm’s also support token-based secure payments.
Perks: Instant reloads and 2-10% cashback on bills.
Limit: Up to wallet balance. These are hit in 2025 for daily small payments.
Comparison Table: Take a look
| Card Name | Key Features | Cashback/Rewards | Annual Fee | Best for |
|---|---|---|---|---|
| UPI Credit Card via Kiwi | UPI QR tap, lifetime free | 5% on daily spends | ₹0 | Beginners, UPI users |
| SBI Virtual Debit Card | Instant issue, UPI link | Up to ₹5 lakh limit | ₹0 | Online shopping, business |
| Volopay Virtual Debit | Spending controls, QR pay | Vendor payments free | Free basic | Expenses management |
| RuPay Credit Cards (SBI/HDFC) | UPI + NFC tap | 1-5% on fuel/groceries | ₹500-₹2,000 | Travel, rewards |
| PhonePe/Paytm Wallet Cards | App-based token pay | 2-10% on bills | ₹0 | Small daily payments |
Pros and Cons: Reality of Every Card
Pros:
- Super safe: Details are not leaked due to Tokenization.
- Fast: Just tap, pay in 2 seconds.
- Rewards: Cashback, lounge access, and EMI options available.
- UPI integration: Reaches rural areas in 2025.
- Free options: Like Kiwi or virtual cards, no extra cost.
Cons:
- Limit: Daily ₹1-5 lakh, not suitable for heavy spends.
- Requires NFC terminals: Currently rare in small shops.
- Annual fees: Some cards have ₹500+, but waives on spends.
- App dependency: Virtual cards require you to always have your phone with you.
Conclusion
In 2025, no-touch digital payment cards have made payments easier in India – from UPI credit cards via Kiwi to RuPay options, they’re all here. If you use UPI daily, start with Kiwi; try Volopay for business.
Money is fast and safe! Apply on Flipkart or your bank apps and check out the offers. Let us know in the comments, which one is your favorite and why?
