Now many banks are providing UPI credit cards and I also have the one from SBI cards. It's not free for life but the fee is just 499/ and I like using it because now I need not to spend money from my bank account. It works in most of the shops..
Also you can get some benefits if you link with the BHIM app. Let me know if you need more details about it. BHIM is the govt app and they're offering some cashback worth approx 750 I think..
Yes, share more details, never used BHIM, I was using PayTM, but plan to quit that.
I use Paytm also but using bhim also and this is such a nice app. Very good UI and works flawlessly.
https://www.bhimupi.org.in/bhimpeaslifaydahai
Refer the above link for offers details. Some offers are valid till 29th Feb they keep on updating the dates.
See the UI.