Best RuPay Credit Cards for UPI Payments
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.
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List of Top RuPay Credit Cards for UPI Payments
Many people in India are now using their RuPay credit cards to make UPI payments on popular apps such as 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 for UPI payments.
- Joining Fee
- Zero (Limited Time Offer)
- Annual Fee
- ₹1,499 + GST
- Best Suited For
- Shopping | Utility Bills
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate10 Reward Points/₹100 Spent on PhonePe, 5 Reward Points/₹100 Spent Online, and 1 Reward Point/₹100 on Other Valid Spends
Welcome BenefitsPhonePe Gift Voucher Worth ₹1,500
Card Details +
The PhonePe SBI SELECT BLACK Credit Card is among the best credit cards for UPI payments right now, especially for users who frequently use PhonePe for everyday transactions. The card offers 1% rewards even on Scan & Pay UPI spends, while selected PhonePe transactions like utility bills, recharges, insurance, and travel bookings can earn up to 10% rewards. Along with strong everyday savings, the card also adds value through complimentary domestic lounge access and milestone benefits, making it a solid all-rounder for users looking to maximize rewards on routine UPI and online spending.
- Joining Fee
- ₹499 + GST
- Annual Fee
- ₹499 + GST
- Best Suited For
- Shopping | Food
- Rewards Type
- Cashback
Rewards rate and welcome benefits
Rewards Rate10% Cashback on Dining, Food Delivery, and Grocery Spending. 1% Cashback on Other Eligible Spends (Including UPI). Both Categories are Capped at ₹400
Welcome Benefits₹500 Cashback on Logging in to the HSBC India Mobile Banking App and 2 Month EazyDiner Membership
Card Details +
The HSBC RuPay Cashback Credit Card is an excellent entry-level option for users looking to earn rewards on UPI payments without paying a hefty annual fee. For just ₹499 + GST, the card offers 1% cashback on eligible UPI spends along with 10% cashback on dining, grocery, and food delivery purchases. What truly makes the card stand out is the value it packs at such a low price point, including complimentary domestic and international airport lounge access with no spending criteria, making it one of the most feature-rich RuPay cashback cards in its segment.
- Joining Fee
- Zero (Limited Time Offer)
- Annual Fee
- ₹499 + GST
- Best Suited For
- Shopping | Utility Bills
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate3 Reward Points/₹100 Spent on PhonePe, 2 Reward Points/₹100 Spent Online, and 1 Reward Point/₹100 on Other Valid Spends
Welcome BenefitsPhonePe Gift Voucher Worth ₹500
Card Details +
The PhonePe SBI Purple Credit Card is the lighter and more affordable variant compared to the more premium black-themed PhonePe SBI Select Black Credit Card, making it a solid option for beginners and everyday UPI users who do not want to pay a hefty annual fee. Cardholders can earn up to 3 Reward Points per ₹100 spent on eligible PhonePe and Pincode transactions, 2 Reward Points per ₹100 on online spends, and 1 Reward Point per ₹100 on other spends, including Scan & Pay UPI transactions. Since 1 Reward Point equals ₹1, the rewards are simple and easy to understand.
- Joining Fee
- Nil
- Annual Fee
- ₹499 + GST
- Best Suited For
- Shopping | UPI
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate5 CRED Points/₹100 for E-commerce Transactions, CRED UPI, and Transactions at CRED Store, CRED Travel, and CRED Pay
Welcome BenefitsN/A
Card Details +
The CRED IndusInd Bank RuPay Credit Card is a good option for people who frequently make UPI payments through the CRED app. It offers 5 CRED Points for every ₹100 spent on CRED UPI, e-commerce transactions, CRED Travel, CRED Pay, and CRED Store purchases. These points can be redeemed at a value of 1 CRED Point = ₹1 for flight and hotel bookings on CRED, as well as purchases at the CRED Store and select CRED merchants, giving an effective reward rate of up to 5%. If you redeem the points for credit card bill payments, the value drops to ₹0.50 per point, reducing the effective reward rate to 2.5%. Overall, the card is best suited for regular CRED users who can maximize the value of their rewards within the CRED ecosystem.
- Joining Fee
- Lifetime Free
- Annual Fee
- Lifetime Free
- Best Suited For
- UPI
- Rewards Type
- Cashback
Rewards rate and welcome benefits
Rewards Rate5% Cashback at Myntra, 3% Cashback on Cleartrip, and 2% Cashback on Flipkart. 1% Cashback on All UPI and Non-UPI Transactions
Welcome BenefitsNone
Card Details +
The Utkarsh Small Finance Bank superCard Credit Card is one of the most underrated cards for UPI payments and beginners in India right now. Since it is an FD-backed RuPay credit card, users can get started with a fixed deposit as low as ₹100, making it extremely accessible for students, freshers, or anyone looking to build their credit score. Despite being a secured card, it still offers a flat 1% cashback on both UPI and non-UPI spends, which is something many entry-level cards fail to provide consistently.
- Joining Fee
- ₹499 + GST
- Annual Fee
- ₹499 + GST
- Best Suited For
- Shopping
- Rewards Type
- NeuCoins
Rewards rate and welcome benefits
Rewards Rate2% & 1% cashback in the form of NeuCoins while shopping on Tata and non-Tata Brands respectively. Additional 5% back as NeuCoins on the Tata Neu app or website.
Welcome Benefits499 NeuCoins
Card Details +
The Tata Neu Plus HDFC Bank Credit Card is one of the best beginner-friendly shopping credit cards for people who frequently use Tata brands and also make regular UPI payments. While the card mainly focuses on rewarding spends across the Tata ecosystem like BigBasket, Croma, Tata 1MG, Air India, Westside, and more, it also quietly works really well for everyday UPI transactions by offering 1% back as NeuCoins on eligible spends.
- Joining Fee
- Visa Infinite – ₹4,999 +GST | RuPay EKAA – ₹9,000 +GST
- Annual Fee
- Visa Infinite – ₹1,999 +GST | RuPay EKAA – ₹7,500 +GST
- Best Suited For
- Movies | Travel | Dining
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate3X Reward Points/₹100 Spent on Dining and Travel. 4 Reward Points/₹100 Spent
Welcome Benefits20,000 RPs (₹5,000 Value) on ₹50,000 Spend in 90 Days for Both Infinite and Ekaa Variants
Card Details +
The PNB LUXURA Metal Credit Card is a premium travel-focused credit card that rewards users with 12 Reward Points per ₹100 spent on travel and dining (equivalent to a 3% reward rate) and 4 Reward Points per ₹100 on other eligible spends (1% reward rate). Since 1 Reward Point = ₹0.25, the rewards can be redeemed against eligible purchases through PNB’s reward redemption platform. Along with reward points, the card offers unlimited domestic and international airport lounge access, zero forex markup, golf privileges, and premium Visa Infinite or RuPay EKAA benefits, making it a strong choice for frequent travelers looking for a premium metal credit card.
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 – UPI apps make it easy to check your bank balance and RuPay credit card limit.
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 the 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 the 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 all 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.
Frequently Asked Questions
Which banks offer RuPay credit cards?
RuPay credit cards are offered by many popular and trusted banks in India, like SBI, HDFC, AU Bank, and IDFC First Bank.
What are the benefits of a RuPay credit card in India?
Make easy, convenient payments with a RuPay credit card in India. You can link your credit card to your UPI app and start making payments quickly.
How are RuPay Credit Cards different from Visa/MasterCard Credit Cards?
RuPay is an indigenous payment network by NPCI (National Payments Corporation of India), funded by the Indian government. Since it is an Indian payment platform, which is also funded by the government, the transaction fee charged by RuPay is much less than that charged by international payment networks like Visa and MasterCard.
What are the different variants of the RuPay Credit Card?
RuPay credit cards are available in multiple variants, catering to different customer segments. The lineup includes RuPay Classic, RuPay Platinum, RuPay Select, and RuPay Ekaa. Among these, RuPay Ekaa stands as the most premium offering, while RuPay Classic serves as the entry-level variant designed for basic credit card needs.
Are RuPay Credit Cards lifetime free?
Most RuPay credit cards currently available in the Indian market are not lifetime-free. However, some RuPay credit cards, such as the IndusInd Bank Platinum RuPay Credit Card, are lifetime free.
Does SBI offer RuPay Credit Cards?
Yes, SBI Card does offer RuPay Credit Cards. Some of the RuPay Credit Cards by SBI Card currently available in the Indian market include the IRCTC SBI RuPay Credit Card, Shaurya SBI RuPay Card, and Shaurya Select SBI RuPay Card.
Reader Comments
5 comments · Join the discussion below
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.
The list seems incomplete without HDFC Tata Neu Infinity. By far the highest reward rate of 1.5% on UPI spends
Will add the Neu cards soon.
Nice All Card’s