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..