Best UPI Credit Cards in India (2026)

Link your RuPay card to PhonePe, Google Pay, or Paytm and earn cashback on merchant UPI transactions.

Best UPI & RuPay Credit Cards in India 2026

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YES Bank ACE Credit Card by YES Bank
Joining Fee ₹499 + Taxes
Annual Fee ₹499 + Taxes
Best Suited For Google Pay Users & Utility Bill Payers
Rewards Type Cashback

Rewards Rate

5% cashback on Google Pay; 3% on utility bill payments; 2% on other online; 1% on offline

Welcome Benefits

₹250 cashback on first ATM cash withdrawal within 30 days

Card Details +

Key Advantages

  • ✓ 5% cashback on Google Pay, among the highest UPI cashback rates available
  • ✓ 3% on utility bills: electricity, water, gas, and phone payments
  • ✓ One of the lowest regular APRs at 2.99%/month
  • ✓ Low ₹499 annual fee (waived on ₹1.5 Lakh spend)
  • ✓ 4 complimentary domestic airport lounge visits/year

Limitations

  • ✕ 5% Google Pay cashback capped at ₹500/month
  • ✕ 1% on offline/in-store spends, not ideal for regular retail shopping
  • ✕ YES Bank has smaller branch/ATM network vs HDFC/SBI/ICICI
  • ✕ Limited premium travel or lifestyle benefits
Full Card Review →
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Tata Neu Infinity HDFC Bank Credit Card by HDFC Bank
Joining Fee ₹1,499 + Taxes
Annual Fee ₹1,499 + Taxes
Best Suited For Tata Brand Ecosystem Loyalists & Regular UPI Users
Rewards Type Cashback

Rewards Rate

5% NeuCoins on non-EMI spends at Tata Neu and partner Tata brands + additional 5% via NeuPass; 1.5% on non-Tata brands and EMI spends; 1.5% up to 500/month on UPI spends via RuPay

Welcome Benefits

1,499 NeuCoins on making the first transaction within 30 days of card issuance (1 NeuCoin = ₹1)

Card Details +

Key Advantages

  • ✓ Up to 10% value back on Tata Neu, BigBasket, Croma, and other Tata brand purchases
  • ✓ Welcome bonus fully offsets the first-year joining fee
  • ✓ 1.5% value back on day-to-day UPI transactions via RuPay variant
  • ✓ 2 domestic + 1 international lounge visit per quarter, on ₹50,000 spend in the preceding quarter
  • ✓ Low foreign currency markup fee of 2%

Limitations

  • ✕ No reward points earned on fuel, rental, and government expenditures
  • ✕ No lifestyle milestone benefits provided outside the annual fee waiver
  • ✕ Rewards can only be redeemed within the Tata Neu ecosystem
Full Card Review →
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IndiGo IDFC First Dual FD Credit Card by IDFC FIRST Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For IndiGo Loyalists New to Credit or looking to Strengthen Their Credit Profile
Rewards Type Reward Points

Rewards Rate

Up to 22 BluChips rewards per ₹100 spent on flight bookings through the IndiGo app/website; 3 BluChips per ₹100 spent on general category retail purchases; 0.5 BluChips per ₹100 spent on UPI payments, fuel, insurance, rent, utilities, and wallet top-ups

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ No joining fee
  • ✓ Same IndiGo flight reward rates as the unsecured version of this card
  • ✓ A useful option for building or repairing credit history while still earning travel rewards
  • ✓ Low foreign currency exchange markup fees applied across cross-currency international spends
  • ✓ Domestic trip cancellation insurance included

Limitations

  • ✕ Requires a high minimum commitment threshold of ₹1 Lakh locked up in an IDFC FIRST Fixed Deposit
  • ✕ Highly restricted reward yields (0.5 BluChips per ₹100) on daily lifestyle essentials like fuel, insurance, utilities, and rent
  • ✕ Rewards can only be redeemed for IndiGo flights
Full Card Review →
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IDFC FIRST Gaj Metal Credit Card by IDFC FIRST Bank
Joining Fee 1st Year Fee: ₹12,500* Plus Applicable Taxes
Annual Fee 1st Year Fee: ₹12,500* Plus Applicable Taxes
Best Suited For High Spenders & Frequent Travelers Seeking Strong Travel Redemption Value
Rewards Type Reward Points

Rewards Rate

33.33% value-back on travel spends (50 reward points per ₹150 spent on hotel bookings and 25 reward points per ₹150 spent on flight bookings via Travel & Shop); 3.33% value-back on regular spends (5 reward points per ₹150); 3 reward points per ₹150 spent internationally; 1 reward point per ₹150 spent on UPI, insurance, utilities, rent, government, wallet load, railways, Fastag, and education

Welcome Benefits

12,500 reward points (worth ₹12,500) upon payment of the joining or renewal fee; 25% off up to ₹5,000 on select 5-star hotel bookings via the IDFC FIRST mobile app on spending ₹1 Lakh within the first 60 days

Card Details +

Key Advantages

  • ✓ Unmatched 33.33% value-back yield on travel bookings via Travel & Shop
  • ✓ True 1:1 reward currency parity redemption ratio against flights and hotels
  • ✓ Includes typically excluded routine categories (rent, utilities, insurance, UPI) for reward generation
  • ✓ Absolute 0% cross-currency foreign exchange transaction markup penalty applied on international spends
  • ✓ Trip cancellation insurance included at no extra cost

Limitations

  • ✕ High upfront annual entry card fee barrier of ₹12,500
  • ✕ Ongoing lounge benefits are limited to 16 complimentary domestic and international visits per year
  • ✕ Reward redemptions against merchandise or vouchers carry a degraded parity ratio (4 points = ₹1)
Full Card Review →
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Axis Bank Neo Credit Card by Axis Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Everyday Online Purchases, Food Delivery, and Instant Multi-Brand Discounts
Rewards Type Reward Points

Rewards Rate

1 EDGE Reward Point per ₹200 spent (1 EDGE Point = ₹0.20 on redemption)

Welcome Benefits

100% cashback up to ₹300 on first utility bill payment via Paytm within 30 days of card issuance

Card Details +

Key Advantages

  • ✓ Lifetime Free credit card with zero joining and zero annual maintenance charges
  • ✓ RuPay variant available for UPI payments
  • ✓ 100% cashback up to ₹300 on first utility bill payment made via Paytm
  • ✓ Instant discounts up to 40% on Zomato, Blinkit, BookMyShow, Myntra, and Paytm
  • ✓ Minimum 15% discount on dining out at partner restaurants via Axis Dining Delights

Limitations

  • ✕ Minimal base reward points earning rate on regular card expenditures
  • ✕ Enforces strict ceiling caps on maximum discount benefits per month across partner platforms
  • ✕ Lacks premium features such as complimentary airport lounge terminal access or golf privileges
Full Card Review →
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HSBC RuPay Cashback Credit Card by HSBC Bank
Joining Fee 1st Year Fee: ₹499* Plus Applicable Taxes
Annual Fee 1st Year Fee: ₹499* Plus Applicable Taxes
Best Suited For UPI Payments, Dining Spends, and Everyday Household Groceries via Direct Cashback
Rewards Type Cashback

Rewards Rate

10% cashback on dining, grocery, and food delivery spends; 1% cashback on other eligible spends, including UPI transactions; Cashback is capped at ₹400 per month

Welcome Benefits

₹500 cashback upon downloading and logging into the HSBC India mobile banking app and spending ₹10,000 within 30 days of card issuance (applicable till 31 Mar 2026); Complimentary 2-month EazyDiner Prime membership on card activation (if activated between 15 July 2025 and 31 Mar 2026)

Card Details +

Key Advantages

  • ✓ 10% cashback on dining, groceries and food delivery
  • ✓ 1% cashback on UPI payments via the RuPay network
  • ✓ Zero foreign exchange transaction markup fees until 30 June 2026
  • ✓ Cashback credited directly to your statement, no point conversion needed
  • ✓ Fee waived on ₹2 lakh in annual spend

Limitations

  • ✕ Tight monthly billing cycle cashback earning cap strictly limited to a maximum of ₹400
  • ✕ Completely excludes all international and foreign currency spends from earning any cashback value back
  • ✕ Extensive list of day-to-day transaction exclusions (fuel, utilities, insurance, rent, wallet top-ups, education, and govt fees) that yield zero cashback returns
Full Card Review →
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HDFC Bank UPI RuPay Credit Card by HDFC Bank
Joining Fee ₹99 + GST
Annual Fee ₹99 + GST
Best Suited For UPI Payments, Groceries, Supermarket & Utility Spends
Rewards Type Cashback

Rewards Rate

3% CashPoints on groceries, dining & supermarket; 2% on utilities; 1% on other eligible spends

Welcome Benefits

Virtual card instant activation with MyCards integration

Card Details +

Key Advantages

  • ✓ Earn CashPoints on both regular and UPI payments made via BHIM, Paytm, PhonePe, Google Pay, etc.
  • ✓ 3% CashPoints on grocery, supermarket, dining, and PayZapp spends
  • ✓ 2% CashPoints on utility payments
  • ✓ Issued digitally as a virtual card without physical card maintenance hassles
  • ✓ Low annual fee of ₹99 with easily reachable spend waiver of ₹25,000

Limitations

  • ✕ 1 CashPoint = ₹0.25 valuation when redeemed against statement balance
  • ✕ Monthly cashback cap of 500 CashPoints per spend category
  • ✕ Excludes fuel, wallet reloads, rent payments, government transactions, and EMI spends
  • ✕ No airport lounge access or travel benefits
Full Card Review →
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Scapia Credit Card by Federal Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Frequent Travelers, Zero Forex International Spends & Unlimited Domestic Lounge Access
Rewards Type Reward Points

Rewards Rate

20% Scapia Coins on Scapia app travel bookings (~4% return); 10% Scapia Coins on other eligible spends (~2% return)

Welcome Benefits

Instant virtual card issuance upon approval + unlimited Scapia Coins redemption on travel

Card Details +

Key Advantages

  • ✓ 100% Lifetime Free travel credit card with zero joining and annual fees
  • ✓ Absolute 0% foreign exchange transaction markup fee on international expenditures
  • ✓ Unlimited domestic airport lounge access upon spending ₹20,000 in a billing cycle
  • ✓ High 20% Scapia Coins earning rate on flight and hotel bookings via Scapia app
  • ✓ RuPay credit card variant available with native UPI payment support

Limitations

  • ✕ Scapia Coins can only be redeemed for flight and hotel bookings inside the Scapia app
  • ✕ No Scapia Coins awarded on fuel, rent, wallet, utility, insurance, or international spends
  • ✕ Unlimited lounge access requires hitting the ₹20,000 monthly spend threshold
Full Card Review →
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YES Bank POP CLUB Credit Card by YES Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Online Shopping, UPI Payments over RuPay, Merchant Rewards & Lifestyle Vouchers
Rewards Type Reward Points

Rewards Rate

10 POPcoins per ₹100 online spends; 2 POPcoins per ₹100 offline spends; 5% instant POPcoins on POP UPI

Welcome Benefits

Welcome benefits worth ₹5,000 including 500 POPcoins, Zomato Gold 3-month membership, Cleartrip ₹750 voucher, Blinkit free deliveries & Cult.sport voucher

Card Details +

Key Advantages

  • ✓ 100% Lifetime Free credit card with zero joining and annual fees
  • ✓ RuPay network support for direct UPI payments
  • ✓ Generous welcome package worth ₹5,000 across Zomato, Cleartrip, Blinkit, Cult.sport & Rapido
  • ✓ Accelerated 10 POPcoins per ₹100 spent online and 5% POPcoins on POP UPI app transactions
  • ✓ Quarterly milestone bonus of 1,500 POPcoins on crossing ₹1.5 Lakhs in spends

Limitations

  • ✕ Does not include complimentary domestic or international airport lounge access
  • ✕ Existing YES Bank credit cardholders are ineligible to apply
  • ✕ Foreign currency transaction markup fee of 3.4% applies on international spends
Full Card Review →
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RBL Bank ShopRite Credit Card by RBL Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Everyday Grocery Shopping, BookMyShow Movie Discounts & Entry-Level Savings
Rewards Type Reward Points

Rewards Rate

20 Reward Points per ₹100 spent on groceries (~5% return); 1 Reward Point per ₹100 on other retail spends

Welcome Benefits

2,000 bonus Reward Points upon making your first transaction within 30 days of issuance and logging into RBL MyCard App

Card Details +

Key Advantages

  • ✓ 100% Lifetime Free credit card with zero joining and annual fees
  • ✓ Accelerated 20 Reward Points per ₹100 spent on grocery purchases (5% value back)
  • ✓ Welcome benefit of 2,000 Reward Points on first transaction within 30 days
  • ✓ 10% discount on movie tickets via BookMyShow up to 15 times per year
  • ✓ RuPay variant available for convenient UPI payments

Limitations

  • ✕ Accelerated grocery reward points capped at 1,000 Reward Points per month
  • ✕ Standard reward rate of 1 Point per ₹100 on general retail spends is low
  • ✕ Does not offer airport lounge access
Full Card Review →
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CUB SalarySe Level Up Credit Card by City Union Bank
Joining Fee ₹0 (Virtual) / ₹500 + GST (Physical)
Annual Fee ₹0 (Virtual) / ₹500 + GST (Physical)
Best Suited For Salaried Individuals, Salary Day UPI Spends & Low Forex Foreign Transactions
Rewards Type Reward Points

Rewards Rate

25 SCoins per ₹100 on SalarySe UPI; 10 SCoins per ₹100 when monthly bill exceeds ₹20,000

Welcome Benefits

Virtual + Physical card options + 37.5 SCoins/₹100 Salary Day bonus

Card Details +

Key Advantages

  • ✓ Lifetime Free Virtual Card option available with ZERO joining and annual fees
  • ✓ Up to 37.5% Salary Day Bonus Rewards on 1st & last day of the month via SalarySe UPI
  • ✓ Low 1% foreign currency markup fee on international spends
  • ✓ Earn up to 10X rewards on daily UPI QR payments using RuPay credit card integration
  • ✓ 1 complimentary domestic airport lounge access per month on ₹10,000 previous billing cycle spend

Limitations

  • ✕ SCoins expire 18 months from the date they are earned
  • ✕ SCoins can only be redeemed on the SalarySe App for brand vouchers and catalog items
  • ✕ Lounge access requires physical card variant and ₹10,000 monthly spend threshold
Full Card Review →
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KIWI UPI RuPay Credit Card by YES Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Daily UPI Payments, Scan & Pay Cashback, Zero Fee RuPay Spends
Rewards Type Cashback

Rewards Rate

Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base reward: 6 Kiwis per ₹100 spent)

Welcome Benefits

Direct UPI QR Scan & Pay integration on Kiwi App with up to 5% cashback

Card Details +

Key Advantages

  • ✓ 100% Lifetime Free credit card with zero joining and annual fees
  • ✓ Earn up to 5% cashback on all eligible UPI transactions
  • ✓ Native RuPay credit card integration directly linked to Kiwi UPI App
  • ✓ Direct cashback redemption as statement credit balance (1 Kiwi = ₹0.25)
  • ✓ Domestic airport lounge access available via Neon spend milestones

Limitations

  • ✕ Top 5% cashback requires optional Kiwi Neon subscription and annual spend milestones
  • ✕ Minimum balance of 500 Kiwis (₹125) required to trigger cashback redemption
  • ✕ No reward points earned on fuel, rent, wallet, insurance, telecom, or utility spends
Full Card Review →
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HSBC RuPay Platinum Credit Card by HSBC Bank
Joining Fee ₹499 + Taxes
Annual Fee ₹499 + Taxes
Best Suited For RuPay UPI QR Payments & Daily Digital Transactions
Rewards Type Cashback

Rewards Rate

1.5% cashback on UPI & online purchases; 1% on offline retail

Welcome Benefits

₹500 cashback voucher on completing 3 UPI transactions within 30 days

Card Details +

Key Advantages

  • ✓ Link card to BHIM, Google Pay, PhonePe, Paytm for RuPay UPI merchant QR payments
  • ✓ 1.5% cashback on all UPI merchant transactions and online shopping
  • ✓ ₹500 welcome cashback on initial UPI transactions
  • ✓ Achievable annual fee waiver threshold of ₹1 Lakh

Limitations

  • ✕ Cashback capped at ₹500 per billing cycle
  • ✕ No airport lounge access included
  • ✕ Excludes fuel, wallet loads, and utility bill payments from cashback
Full Card Review →
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Tata Neu Plus SBI Card by SBI Card
Joining Fee ₹499 + Taxes
Annual Fee ₹499 + Taxes
Best Suited For Tata Neu & Tata Brand Shoppers
Rewards Type Reward Points

Rewards Rate

5% NeuCoins on Tata Neu App/Website + partner brands; 2% on other Tata brand purchases; 1% on other spends including UPI

Welcome Benefits

499 bonus NeuCoins on joining fee payment

Card Details +

Key Advantages

  • ✓ Up to 7% value-back on select Tata Neu ecosystem brands like Tata 1mg, BigBasket & Croma
  • ✓ 499 bonus NeuCoins on joining, offsetting the fee in year one
  • ✓ 1% fuel surcharge waiver on transactions between ₹500-₹4,000
  • ✓ Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)

Limitations

  • ✕ Lounge access requires ₹50,000 spend in the preceding quarter
  • ✕ Base reward rate on non-Tata spends is just 1%
  • ✕ Rewards are most valuable when redeemed within the Tata Neu ecosystem
Full Card Review →
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Tata Neu Infinity SBI Card by SBI Card
Joining Fee ₹1,499 + Taxes
Annual Fee ₹1,499 + Taxes
Best Suited For Premium Tata Neu & Travel Spenders
Rewards Type Reward Points

Rewards Rate

5% NeuCoins on Tata Neu App/Website + partner brands, up to 10% on select categories; 1.5% on other spends including UPI

Welcome Benefits

1,499 NeuCoins on first transaction within 30 days, fully offsetting the joining fee

Card Details +

Key Advantages

  • ✓ Up to 10% NeuCoins on select Tata Neu category purchases
  • ✓ 8 domestic lounge visits/year plus a complimentary Priority Pass membership
  • ✓ 4 complimentary international lounge visits per year via Priority Pass
  • ✓ Fee waiver threshold (Annual fee waived on ₹3 Lakh annual retail spends)

Limitations

  • ✕ Domestic lounge access requires ₹75,000 spend in the preceding quarter
  • ✕ Base reward rate on non-Tata spends is 1.5%
  • ✕ Best value is realized within the Tata Neu ecosystem, not general retail
Full Card Review →
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Google Pay Flex SBI Card by SBI Card
Joining Fee ₹499 + Taxes
Annual Fee ₹499 + Taxes
Best Suited For Google Pay Digital Payments
Rewards Type Cashback

Rewards Rate

Up to 8 Stars per ₹500 spent (1 Star = ₹1), capped at 18,000 Stars annually

Welcome Benefits

₹1,000 welcome gift

Card Details +

Key Advantages

  • ✓ RuPay variant links directly to UPI for credit-on-UPI payments
  • ✓ Stars redeem 1:1 for cashback, avoiding confusing point-conversion math
  • ✓ Up to ₹18,000 in annual rewards achievable on regular spends
  • ✓ Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)

Limitations

  • ✕ No airport lounge access or premium travel perks
  • ✕ Stars are capped at 18,000/year, limiting upside for high spenders
  • ✕ Focused on everyday digital spends rather than travel or lifestyle benefits
Full Card Review →
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Kotak UPI Rupay Credit Card by Kotak Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Instant UPI Merchant QR Payments
Rewards Type Cashback

Rewards Rate

3 Reward Points per ₹100 spent (3%), domestic and international

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ Flat 3% Reward Points on every spend, domestic and international
  • ✓ Lifetime free virtual RuPay card usable for UPI and QR payments
  • ✓ Reward points redeemable across the Kotak Rewards catalogue
  • ✓ Fee waiver threshold (Annual fee waived on ₹50,000 annual retail spends)

Limitations

  • ✕ No airport lounge access
  • ✕ No accelerated category multipliers, flat rate only
  • ✕ Virtual-only card, positioned for UPI use rather than premium benefits
Full Card Review →
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IDFC FIRST Business Max Credit Card by IDFC FIRST Bank
Joining Fee ₹1,499 + Taxes
Annual Fee ₹1,499 + Taxes
Best Suited For Business Vendor Payments & Commercial Spends
Rewards Type Reward Points

Rewards Rate

6 Reward Points per ₹200 on domestic online spends; 4 points per ₹200 offline; up to 3 points on UPI

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ 6 Reward Points per ₹200 on domestic online spends
  • ✓ Up to 45 interest-free days plus EMI conversion on purchases above ₹1,500
  • ✓ Low forex markup fee of 1.5% on international spends
  • ✓ Fee waiver threshold (Annual fee waived on ₹2.5 Lakh annual retail spends)

Limitations

  • ✕ FD-backed card requires a minimum ₹10,000 fixed deposit
  • ✕ Offline spends earn a reduced 4 points per ₹200
  • ✕ Finance charges of 12% per annum apply on revolving balances
Full Card Review →
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IDFC FIRST Classic Credit Card by IDFC FIRST Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For 10X Birthday Rewards & Zero Annual Fee
Rewards Type Reward Points

Rewards Rate

10 Reward Points per ₹200 on dining, travel & international spends; 3 points per ₹200 on other spends; 1 point per ₹200 on insurance, utilities, railways, FASTag & UPI (up to ₹2,000)

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ 10 Reward Points per ₹200 on dining, travel & international spends
  • ✓ Up to 20% dining discount at 1,500+ partner restaurants
  • ✓ 4 railway lounge visits per quarter on ₹20,000 monthly spend
  • ✓ Fee waiver threshold (Lifetime free credit card)

Limitations

  • ✕ No airport lounge access, only railway lounges
  • ✕ Insurance, utilities, FASTag & UPI spends are capped at ₹2,000 for rewards
  • ✕ Base rate on other spends is just 3 points per ₹200
Full Card Review →
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Slice Credit Card by Slice
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Instant Cashback & Flexible Repayments
Rewards Type Cashback

Rewards Rate

2% flat cashback on all spends including UPI

Welcome Benefits

Welcome gift benefit on card activation & setup

Card Details +

Key Advantages

  • ✓ 2% flat cashback on all spends, including UPI transactions
  • ✓ "Slice in 3" splits eligible spends of ₹2,000+ into 3 interest-free EMIs
  • ✓ Instant digital approval and onboarding in many cases
  • ✓ Fee waiver threshold (Lifetime free credit card)

Limitations

  • ✕ No airport lounge access
  • ✕ Credit limits start low (₹2,000) and scale with repayment behavior
  • ✕ Flat 2% rate has no accelerated categories for higher earners
Full Card Review →
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Jupiter Edge+ RuPay Credit Card by CSB Bank
Joining Fee ₹499 + Taxes
Annual Fee ₹499 + Taxes
Best Suited For 5% Cashback on 3 Chosen Apps & RuPay UPI
Rewards Type Cashback

Rewards Rate

10% cashback on online shopping (up to ₹2,000/month, ₹600/merchant cap); 5% on online travel; 1% on other online & offline spends

Welcome Benefits

Welcome gift benefit on card activation & setup

Card Details +

Key Advantages

  • ✓ 10% cashback on online shopping across Amazon, Flipkart, Myntra, Ajio & Nykaa
  • ✓ 5% cashback on online travel bookings
  • ✓ 1 domestic lounge visit/quarter on ₹90,000 prior-quarter spend
  • ✓ Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)

Limitations

  • ✕ Jewels redemption rate was cut from ₹2,000/10,000 to ₹1,400/10,000 in June 2026
  • ✕ Online shopping cashback is capped at ₹2,000/month, ₹600 per merchant
  • ✕ Only available via the Jupiter app for signup
Full Card Review →

UPI & RuPay Cards at a Glance

Best UPI & RuPay Credit Cards Comparison Table
Card Fee Rating
1. YES Bank ACE Credit Card ₹499 + Taxes ★ 4.0 View →
2. Tata Neu Infinity HDFC Bank Credit Card ₹1,499 + Taxes ★ 3.5 View →
3. IndiGo IDFC First Dual FD Credit Card Free ★ 4.0 View →
4. IDFC FIRST Gaj Metal Credit Card 1st Year Fee: ₹12,500* Plus Applicable Taxes ★ 3.5 View →
5. Axis Bank Neo Credit Card Free ★ 3.0 View →
6. HSBC RuPay Cashback Credit Card 1st Year Fee: ₹499* Plus Applicable Taxes ★ 3.0 View →
7. HDFC Bank UPI RuPay Credit Card ₹99 + GST ★ 4.5 View →
8. Scapia Credit Card Free ★ 4.7 View →
9. YES Bank POP CLUB Credit Card Free ★ 4.8 View →
10. RBL Bank ShopRite Credit Card Free ★ 4.6 View →
11. CUB SalarySe Level Up Credit Card ₹0 (Virtual) / ₹500 + GST (Physical) ★ 4.4 View →
12. KIWI UPI RuPay Credit Card Free ★ 4.7 View →
13. HSBC RuPay Platinum Credit Card ₹499 + Taxes ★ 4.3 View →
14. Tata Neu Plus SBI Card ₹499 + Taxes ★ 4.2 View →
15. Tata Neu Infinity SBI Card ₹1,499 + Taxes ★ 4.7 View →
16. Google Pay Flex SBI Card ₹499 + Taxes ★ 4.3 View →
17. Kotak UPI Rupay Credit Card Free ★ 4.3 View →
18. IDFC FIRST Business Max Credit Card ₹1,499 + Taxes ★ 4.4 View →
19. IDFC FIRST Classic Credit Card Free ★ 4.3 View →
20. Slice Credit Card Free ★ 4.4 View →
21. Jupiter Edge+ RuPay Credit Card ₹499 + Taxes ★ 4.5 View →

Frequently Asked Questions

Which credit cards can be linked to UPI apps?

Currently, only RuPay credit cards can be linked directly to UPI apps like Google Pay, PhonePe, and Paytm for QR code payments.

Do I earn rewards on UPI credit card payments?

Yes, most UPI-enabled RuPay cards earn the same reward rate on UPI transactions as regular card swipes, and some offer bonus cashback specifically for UPI usage.

Is there a transaction limit for UPI credit card payments?

Yes, UPI credit card transactions are typically capped (commonly around ₹1 lakh per transaction, subject to your bank's and NPCI's limits), and very small merchants may not support credit-linked UPI.

Explore Other Card Benefits

✈️
Lounge Access
🌐
Zero Forex
⛽
Fuel Waiver
📱
UPI & RuPay

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