Most major banks support “instant use” upon approval through a digital wallet. The key part of your question is “which you can get” about which you have provided no information so no one can suggest anything specific to you. More on reddit.com

A subreddit for discussing credit cards. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered. ... I will be making some CC purchases so while I apply and wait for CC in the mail to get the sign on bonus · what cards give you a sign on bonus and give you a virtual ... More on reddit.com

Most of the points are spot on especially the app experience! However, as long as one is sticking to UPI. Remember, a Credit card's functionality is to give the user maximum benefit out of purchases. As far as Tata Neu is considered, its a great card overall and not just for UPI. You get almost unlimited 5% on major brands which you would be using on a very frequent basis. The 1499 renewal is justified for some users maybe, but even I am not one of those. However, having a big purchase once in a while can give you actually good rewards in Neucoins which definitely can be used at a lot of places. As far as Jupiter is concerned, never used it nor I like the idea of having to switch. I can't plan my life according to a card spend pattern! Kiwi hands down give the best user experience and the most ease for UPI transactions and the fact it is LTF makes it so rewarding in conjunction to any card which give on a average more benefits in all types of spends! More on reddit.com

Data point: Read that the Amex Platinum gives an instant card number. Ended up opening that, wasn't issued the instant card number (did not have an existing account). They will expedite my card in a day, bummer. More on reddit.com