After the Reserve Bank of India announced the linking of credit cards to UPI apps, most card issuers introduced a range of RuPay credit cards for their customers. These customers can easily link their select RuPay credit cards to any UPI app of their choice and start using their cards for payments. This provides cardholders with the ability to earn reward points and get special offers and other benefits on their credit cards, in addition to the convenience of UPI payments. The RuPay network is rapidly gaining popularity and has a decent share of the credit card market.
UPI payments are exceedingly popular in India, and almost every individual uses one or the other UPI app for payments. Whether you need to pay local vendors, big stores, or friends and family, UPI can be used anywhere, anytime. In the following article, we have compiled a list of the best RuPay credit cards in India. These credit cards provide the best benefits and can be easily linked with your UPI app, allowing you to scan and make payments with ease.
- SBI SimplySAVE Credit Card
- Indian Oil Axis Bank RuPay Credit Card
- Tata Neu Plus HDFC Bank Credit Card
- IndusInd Bank Platinum RuPay Credit Card
- IDFC HPCL FIRST Power Credit Card
- Bank of Baroda Premier Credit Card
- IRCTC Rupay SBI Credit Card
- Bank of Baroda ( BoB ) Easy Credit Card
- HDFC Bank RuPay IRCTC Credit Card
- Myntra Kotak Credit Card
- ICICI Bank Coral Credit Card
List of Top RuPay Credit Cards for UPI Payments
A lot of people in India are now using their RuPay credit cards to make UPI payments on popular apps like Paytm, BHIM, PhonePe, and Google Pay. However, before you start using your credit card for payments, you need to link and add it to the specific UPI app you use. The following are the best RuPay credit cards in India that you can use for UPI payments.
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Best Suited For
Shopping
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Welcome Benefits
Card Details +
The SBI Simply Save Credit Card is an excellent card for beginners looking to start or enhance their credit journey. With this credit card, you can earn accelerated reward points (10X) on movies, grocery, and departmental store spends. The annual renewal fee is reversed on the expenditure of ₹1 lakh in the card anniversary year.
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Best Suited For
Fuel
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Joining Fee
Renewal Fee
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Shopping
Reward Type
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Welcome Benefits
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A co-branded credit card by HDFC Bank and Tata Neu, this is the basic variant of the two cards. The card offers NeuCoins as reward points and has a great welcome benefit. You get higher NeuCoins on Tata brand spends and less on other brands. Other features include domestic lounge access, fuel surcharge waiver, and spend-based renewal fee waiver.
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Joining Fee
Renewal Fee
Best Suited For
Shopping
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Welcome Benefits
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IndusInd Bank has recently launched its first RuPay Credit Card. This card offers a unique feature of earning 2 Reward Points for every ₹100 spent on UPI transactions. The Platinum RuPay Credit Card is a free-for-life credit card (LTF) that is sure to attract both experienced and first-time cardholders. This card is particularly advantageous for those who frequently conduct transactions through their UPI apps, such as Google Pay, PhonePe, and Paytm.
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Joining Fee
Renewal Fee
Best Suited For
Fuel
Reward Type
Reward Points
Welcome Benefits
Card Details +
IDFC Bank, in association with HPCL, has launched a new credit card that would help you increase your savings on fuel transactions. With this credit card, you can save up to ₹7,000 on fuel. You would get 2x reward points on other retail spends and cashback up to ₹250 on your 1st HPCL transaction of at least ₹250 or more.
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Joining Fee
Renewal Fee
Best Suited For
Travel
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Welcome Benefits
Card Details +
BoB Financial issues the Bank of Baroda Premier Credit Card, which offers a variety of benefits at no cost. This card has no joining or annual fees (it is an LTF Credit Card). You can earn up to 10 accelerated reward points for every ₹100 you spend on dining, international transactions, and travel. For all other expenses, you will get 2 reward points for every ₹100 spent. You can use these points to redeem a range of benefits, including cash credit.
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Joining Fee
Renewal Fee
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
Card Details +
The IRCTC Rupay SBI credit card is a co-branded card that offers exciting rewards and benefits in partnership with IRCTC. This card is specifically designed for people who travel via Indian Railways. With this credit card, you get the added benefit of 4 complimentary railway lounge visits.
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Joining Fee
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Shopping
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The Bank of Baroda Easy credit card is available lifetime free for a limited time. You can earn reward points on your daily spends with the card and even get a cashback on payment of the credit card bill. Get 5x reward points on groceries, movies, departmental stores, etc, and one reward point on other spends.
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Joining Fee
Renewal Fee
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
Card Details +
The HDFC IRCTC Credit Card is most suited for frequent travelers through Indian Railways. Earn reward points on transactions made with IRCTC. You also get complimentary access to the IRCTC lounge. With low joining fees of ₹399, you get 4 Reward Points on ₹200 spent with IRCTC.
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Joining Fee
Renewal Fee
Best Suited For
Shopping
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Cashback
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The co-branded Myntra Kotak credit card is an excellent shopping card for loyal Myntra customers. The card offers exclusive discounts on Myntra and cashback on other partner brand spends. Not only that, but you also get Myntra Insider membership, lounge access, milestone benefits, and more. Additionally, you can enjoy a 7.5% discount on Myntra and 5% cashback on partner brand spends, and receive complimentary PVR movie tickets upon reaching milestone spends.
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Joining Fee
Renewal Fee
Best Suited For
Movies
Reward Type
Reward Points
Welcome Benefits
Card Details +
The ICICI Coral credit card offers several travel, entertainment, and dining benefits to its customers. You earn 2 RPs per ₹100 spent with the card and can also earn a bonus of 10,000 reward points as a milestone benefit. You even get exciting BookMyShow and Inox discounts. Get one complimentary domestic airport and railway lounge access every quarter.
Card Insider’s Review of Top RuPay Credit Cards in India
Take a look at our detailed review of some of the best credit cards in India for UPI linking and payments. With these cards, you can save time and earn rewards conveniently.
Our Top Choice – SBI SimplySAVE Credit Card
The SimplySave Credit Card offered by SBI Card would be our top recommendation for the best RuPay Credit Card in the country. With this card, you can conveniently make rewarding payments from the palm of your hand. Despite the low joining fee of ₹499, this card offers numerous benefits that justify the cost. Moreover, you can easily waive the joining fee by spending ₹1 lakh in a card anniversary year.
What makes this credit card so special?
Earn 10X Reward Points on every ₹150 spent on dining, movies, departmental stores, and groceries.
Best Fuel RuPay Credit Card – Indian Oil Axis Bank Credit Card
There are two things in life that we can’t avoid: Food for our bodies and fuel for our vehicles. But what if we could make these recurring and expensive payments more rewarding? Well, with the Indian Oil Axis Bank Credit Card, you can earn 4% value back in the form of reward points on fuel spends ranging from ₹100 to ₹5,000 each month. The low joining charge of ₹500 can be waived by spending ₹50,000 in a year.
Why you should opt for this card?
- 20 Reward Points on ₹150 spent on IOCL Petrol Pumps
- 5 Reward Points spent on online shopping
- 10% Instant discount on movies with BookMyShow
Best LTF RuPay Card – IndusInd Bank Platinum Card
The IndusInd Bank Platinum Credit Card is the bank’s first RuPay offering. It is a unique card that rewards users with more points on UPI transactions than non-UPI transactions. This makes it the perfect card for UPI payments. You can have peace of mind knowing that your UPI transactions are secure when using this credit card.
Why go for the IndusInd Platinum Credit Card?
- It’s literally free, with no joining or annual charge.
- Earn 2 Reward Points for UPI payment of ₹100
Reward Points on UPI Payments With Popular Credit Cards
Credit Card | RPs on UPI Spends |
SBI SimplySAVE Credit Card | Reward Points as Per Card Offering |
Indian Oil Axis Bank RuPay Card | EDGE Reward Points as Per Card Offering |
IndusInd Bank Platinum RuPay Credit Card | 2 RPs for Each UPI Payment of ₹100 |
Tata Neu Plus HDFC Bank Credit Card | 1% as NeuCoins on Each Spend of ₹100 |
IDFC HPCL FIRST Power Credit Card | Reward Points as Per Card Offering |
Bank of Baroda Premier Credit Card | 2 RP per ₹100 Spent. 1 RP per ₹100 on Select Categories |
IRCTC Rupay SBI Credit Card | Reward Points as Per Product Offering |
Myntra Kotak Credit Card | 1.25% Cashback on All Transactions Except Rent, Wallet, Fuel, EMI transactions, Education, and UPI Transactions Below or Equal to ₹2000 |
ICICI Bank Coral Credit Card | Reward Points as Per Card Offering |
HDFC Bank RuPay IRCTC Credit Card | 1 CashPoint on Each Spend of ₹100 |
Bank of Baroda ( BoB ) Easy Credit Card | 1 RP per ₹100 Spent. 0.5 RP per ₹100 on Select Categories |
Benefits of Making UPI Payments with RuPay Credit Card
It is very convenient to make UPI payments with your RuPay credit card through the applications. Let’s check out the benefits associated with it –
- More Reward Points – Whether you are making big purchases or have to pay the local grocery store, you can earn more reward points by using your RuPay credit card for UPI payments.
- No Need for CVV or OTP – You don’t need to use your card’s CVV or wait for any OTPs to make UPI payments with your credit card. Just enter your UPI PIN, and the payment will go through.
- Manage Transactions from a Single Place – You can safely manage and make transactions from one single place instead of remembering credentials and details for different apps and credit cards. You don’t need any OTP or CVV and can make the payments through your UPI ID.
- Quickly Check your Credit Card Limit – It is easy to check your bank balance through UPI apps, and you can check your RuPay credit card limit as well.
How to Make UPI Payments with RuPay Credit Cards?
After you have linked your RuPay credit card to your UPI ID, you can start making payments with it. Follow these steps to make UPI payments on different apps with your RuPay credit card-
- Open the UPI application Paytm, BHIM, PayZapp, Google Pay, or any other through which you wish to make the payment. Make sure your RuPay credit card is linked and added to the application before you use it for payments.
- Scan the merchant’s QR code and enter the amount you want to pay.
- Make sure to choose your UPI-linked RuPay credit card out of all available payment options.
- Enter your four or 6-digit UPI PIN, and the payment will be made through your RuPay credit card.
Our Research for Best UPI Credit Cards in India
Our process for curating the list of the best UPI credit cards in India involved thorough research and analysis. We studied numerous credit cards offered by various banks and financial institutions across the country. Our team compared the features, benefits, rewards, fees, and terms of each card to assess its suitability for UPI payments. Drawing from our industry knowledge and expertise, we evaluated each card’s compatibility with popular UPI apps. We prioritized cards that offered significant rewards and benefits tailored explicitly for UPI transactions, enhancing the overall user experience.
Additionally, our editorial team periodically reviews and updates the article to reflect any changes in the credit card landscape, ensuring that our readers have access to the most relevant and up-to-date information.
Bottom Line
Since RBI launched the UPI facility, it has become a hit among Indians. People everywhere love the convenience and versatility offered by UPI. Prominent businessmen and small-time local vendors, everyone prefer digital payments via UPI, and the rate of usage is firmly increasing day by day. Now, people can use their credit card anywhere where UPI is accepted and can earn rewards and benefits for both small-time daily expenses and big-ticket purchases.
The sheer convenience of linking your credit card to a UPI application is unmatched.
Head over to the comments section and tell us about your opinions regarding linking RuPay credit cards to UPI apps, if you have used this privilege for yourself, and what your experience is like.
2 Comments
I have been using the IRCTC Rupay SBI Credit Card for the past six months, and it has been very helpful during my travels. Some of the perks that I personally appreciate are the four complimentary railway lounge accesses every year, 10% cashback in the form of Reward Points when purchasing AC1, AC2, AC3, and AC CC tickets through irctc.co.in. Also, I have saved 1% in transaction charges while booking railway tickets.
It is a great card for people who regularly travel by train.