RuPay has launched a limited-time cashback campaign to encourage first-time usage of the RuPay credit card on UPI. Under this offer, eligible cardholders can earn a flat ₹250 cashback simply by linking their RuPay Credit card to UPI and completing transactions. NPCI powers the campaign, and it applies to all partner banks, including HDFC Bank, SBI Card, ICICI Bank, Axis Bank, Yes Bank, IDFC First Bank, and Kotak Mahindra Bank for this offer.
In a payment ecosystem dominated by debit-linked UPI Transactions, this RuPay initiative quietly changes the rules by bringing credit cards into everyday QR-based spending. From grocery payments to local merchant purchases, users can now enjoy the flexibility of credit while paying through UPI without changing their spending habits.
Offer Validity – 7 January 2026 to 31 March 2026
What Is The RuPay ₹250 Cashback Offer?
This RuPay cashback Campaign rewards eligible RuPay Credit Card users who make their first credit card transaction on UPI. Once the card is linked to UPI and two eligible transactions totaling ₹250 or more are completed, the user becomes eligible for a one-time cashback of ₹250.
This offer is primarily there to promote the Rupay Credit Card on UPI (RCC on UPI) usage and is valid for a limited period.
Offer Details
- The RuPay ₹250 cashback offer is valid from 7 January 2026 to 31 March 2026.
- NPCI reserves the right to change or even remove the offer without any prior notice.
- The cardholder must not have made any RuPay Credit Card UPI transaction between 1 January, 2025 and 31 December, 2025.
- The amount would be generally credited within 60 days of the eligible transaction.
- The offer cannot be merged with the other offers of the bank or the NPCI.
Bottom Line
If you own a RuPay Credit Card and haven’t used it on UPI before, this is a good opportunity to earn ₹250 without any extra effort. With just two UPI transactions of ₹250 or more, this offer is easy to unlock and works across multiple banks. For the first time, RuPay UPI Users, this promotion makes adopting credit card payments on UPI even more rewarding.