Best UPI Credit Cards in India (2026)

Key Advantages

• ✓ Lifetime free with no spend conditions
• ✓ Zero forex markup on international spends
• ✓ Flat 1% back on almost everything, including UPI Scan & Pay with the RuPay card, with no cap
• ✓ Rewards can be taken as 24K digital gold or cashback, and don't expire
• ✓ Extra value through the Uni Store: up to 8% on vouchers, 7% on hotels, and 50% back on PVR INOX tickets

Key Advantages

• ✓ Up to 3% back on online shopping when points are redeemed for flights and hotels
• ✓ 2% forex markup, lower than the 3.5% most cards charge
• ✓ Lower interest rate than most cards at 2.99% a month
• ✓ Domestic and international airport lounge access
• ✓ Purchase protection up to ₹50,000 for 6 months on mobiles and electronics bought online

Key Advantages

• ✓ 3% cashback on UPI QR payments made through the super.money app
• ✓ 1% unlimited cashback on all other UPI and non-UPI spends
• ✓ Genuinely lifetime free, zero joining and annual fees
• ✓ 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000

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)

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)

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)

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
• ✓ Zero forex markup on international spends
• ✓ Fee waiver threshold (Annual fee waived on ₹2.5 Lakh annual retail spends)

Key Advantages

• ✓ Lifetime free virtual RuPay card that works on UPI
• ✓ Earns reward points on UPI payments, which many cards exclude
• ✓ Reward points redeemable across the Kotak Rewards catalogue

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)

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)

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)

Key Advantages

• ✓ Lifetime free — no joining fee, no annual fee
• ✓ 2 reward points per ₹150 spent, instantly convertible to airline miles and hotel loyalty points
• ✓ ₹500 cashback for downloading the HSBC app, logging in, and spending ₹5,000 within 30 days
• ✓ Additional welcome offers: ₹250 Amazon eGift voucher, 2-month EazyDiner membership, ₹250 UPI-linking cashback
• ✓ JCB network access for ATMs and payments in 160+ countries

Key Advantages

• ✓ 5% cashback on HDFC SmartBuy bookings, capped at 500 points/month
• ✓ Digital card issuance with customizable widget controls in PayZapp
• ✓ Low fee waiver threshold of ₹50,000 annual retail spends
• ✓ 1% fuel surcharge waiver across all fuel stations

Key Advantages

• ✓ 2% Reward Points on PhonePe recharges, bills, travel & Pincode spends, capped at 500 RP/month
• ✓ 1% Reward Points on select online platforms like Amazon, Flipkart & Swiggy
• ✓ Affordable ₹499 annual fee with fee waiver on ₹1 Lakh spend
• ✓ 1% fuel surcharge waiver across all fuel stations

Key Advantages

• ✓ 10% Reward Points on PhonePe recharges, bills, travel & Pincode spends, capped at 1,000 RP/month
• ✓ 8 complimentary domestic airport lounge visits/year (2 per quarter, on ₹75,000 quarterly spend)
• ✓ 5% Reward Points on select merchants like Amazon, Flipkart, Myntra & Swiggy, capped at 500 RP/month
• ✓ Joining fee fully offset by welcome cashback vouchers

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

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

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

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

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

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

Key Advantages

• ✓ 10% cashback on dining, groceries and food delivery
• ✓ 1% cashback on UPI payments via the RuPay network
• ✓ Zero forex markup until 31 December 2026
• ✓ Cashback credited directly to your statement, no point conversion needed
• ✓ Fee waived on ₹2 lakh in annual spend

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

Key Advantages

• ✓ Up to 5% cashback on online shopping
• ✓ Up to 6% back on travel bookings made through the IDFC FIRST app
• ✓ Fee waived on ₹2 lakh in annual spend, an achievable bar

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

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
• ✓ Zero forex markup on international spends
• ✓ Domestic trip cancellation insurance included

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%

Key Advantages

• ✓ 8 reward points per ₹200 on online shopping
• ✓ Low ₹499 fee, reversed on ₹5,000 spend in the first month and ₹50,000 a year after
• ✓ Purchase protection up to ₹50,000 for 6 months on mobiles and electronics bought online
• ✓ Buy one get one on coffee at major mall outlets