Federal BankUPI payments have become extremely popular in India, and almost every person uses one or the other UPI app for payment. Whether you need to pay any local merchants, big stores, or friends or family, you can use UPI anywhere, anytime, anywhere. Also, during the COVID-19 pandemic, UPI payments saw a significant rise, and the whole country trusts this safe and secure instant payment method.
However, people could only link their bank accounts and debit cards with UPI apps, and credit cardholders could not benefit from UPI payments. Recently, NPCI and RBI announced the launch of credit card UPI payments. Customers can easily link their select RuPay credit cards to any UPI app of their choice and start using their card for payments.
This gives cardholders the ability to earn reward points and other benefits on their credit cards, along with the convenience and versatility of UPI payments. In this article, we will read about the best RuPay credit cards for UPI payments, how to link your card to UPI apps, and all other information related to this.
- Indian Oil Axis Bank Credit Card
- Tata Neu Plus HDFC Bank Credit Card
- IDFC HPCL FIRST Power Credit Card
- SBI SimplySAVE Credit Card
- IndusInd Bank Platinum RuPay Credit Card
- HDFC Bank MoneyBack Plus Credit Card
- Tata Neu Infinity HDFC Bank Credit Card
- IDFC HPCL First Power Plus Credit Card
- Myntra Kotak Credit Card
- AU Bank InstaPay Credit Card
- HDFC Bank RuPay IRCTC Credit Card
- YES Prosperity Rewards Plus Credit Card
- ICICI Bank Coral Credit Card
- BPCL SBI Card Octane
- Bank of Baroda ( BoB ) Easy Credit Card
- HDFC Bank UPI RuPay Credit Card
Best RuPay Credit Cards for UPI Payments
India’s homegrown RuPay credit card Many people have started using their RuPay credit card to make UPI payments on popular applications like Paytm, BHIM, PhonePe, Google Pay, Payzapp, etc. Before you start using the credit card for payments, first you must link and add your card to the particular UPI app you use.
network is gaining popularity rapidly and has a decent share in the credit card market. Also, ever since the RBI announced the linking of credit cards to UPI apps, most top card issuers have rolled out a nice range of RuPay credit cards for customers.
The following are the best RuPay credit cards in India that you can use for UPI payments.
Fees
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Best Suited For
Fuel
Reward Type
Reward Points
Welcome Benefits
Card Details +
The IndianOil Axis Bank RuPay credit card was launched by the bank in partnership with IOCL and is perfect for people who regularly spend on fuel. This is a beginner credit card that charges a Rs. 500 annual fee and offers boosted rewards on your fuel spends at Indian Oil outlets. There are few high-value privileges on the card, but you still get movie and dining benefits with it.
- 100% cashback on fuel spends, up to Rs. 250, made within one month of card issuance
- 20 RPs per Rs. 100 spent at Indian Oil outlets and 5 RPs per Rs. 100 spent on online shopping
- 10% instant discount on BookMyShow movie tickets
- Up to 15% discount on partner restaurants with the EazyDiner program
- 1% fuel surcharge waiver and renewal fee waiver
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Joining Fee
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Shopping
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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. If you get higher NeuCoins on Tata brand spends and less on other brands. Other features include domestic lounge access, fuel surcharge waiver, etc.
- 499 NeuCoins as a welcome benefit
- 2% NeuCoins on shopping at Tata brands
- 1% NeuCoins on shopping at Non-Tata brands
- 5% NeuCoins on registering for the Tata Neu app or website
- Complimentary domestic lounge access
- 1% fuel surcharge waiver
- Spend-based renewal fee waiver
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Joining Fee
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Best Suited For
Fuel
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Reward Points
Welcome Benefits
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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 Rs. 7,000 on fuel.
- 2x reward points on other retail spends
- Get cashback up to Rs. 250 on your 1st HPCL transaction of at least Rs. 250 or more.
- Get a Rs. 150 discount on Swiggy orders above Rs. 500
- Get 50% off on Rental Cars with Europcar and Eco Rent-A-Car
- Complimentary roadside assistance worth Rs. 1399
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Joining Fee
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Shopping
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The SBI Simply Save Credit Card comes at a low joining fee of Rs. 499 and is an excellent card for beginners looking to start or enhance their credit journey. With this credit card, you can earn accelerated reward points on movies, grocery, and departmental store spends.
- On spending Rs. 2,000 within the 60 days of card activation, get welcome benefits of worth Rs. 500.
- 1 Reward Point for every spend of Rs. 150.
- 10X Reward Points (10 Points per Rs. 150) on spends on movies, dining, grocery categories, and departmental stores.
- The annual renewal fee is reversed on the expenditure of Rs. 1 lakh in the card anniversary year.
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Joining Fee
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Best Suited For
Shopping
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Reward Points
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 Rs. 100 spent on UPI transactions. In recent times, there has been a steady increase in the number of banks that offer RuPay Credit Cards. This is mainly due to the growing popularity of the RuPay network and the convenience of linking it with the UPI applications. 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
Shopping
Reward Type
Reward Points
Welcome Benefits
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HDFC Moneyback Plus Credit Card is a great credit card offered by HDFC Bank. At a low joining fee of Rs. 500, this card offers you 10x Reward Points made through partner brands.
- 5X CashPoints for EMI transactions at select merchant outlets.
- 10X CashPoints on partner brands including Amazon, Flipkart, Reliance Smart Store, Big Basket and Swiggy.
- Gift voucher worth Rs. 500 on spends of Rs. 50,000 in a calendar quarter (max benefit of Rs. 2,000 in a year).
- Up to 15% off on dining at over 2,000 premium restaurants in select cities.
- Get a waiver on the annual fee for an annual expenditure of a minimum of Rs. 50,000.
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Joining Fee
Renewal Fee
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Card Details +
The premium variant out of the two co-branded cards, the Tata Neu Infinity RuPay credit card, has a joining fee of Rs. 1500 plus taxes and is one of the best shopping credit cards in the market. The welcome benefit is worth the joining fee charged. You even get various travel, lifestyle, insurance, and other benefits with this credit card.
- 1499 NeuCoins as a welcome benefit
- 10% NeuCoins on spends at the Tata Neu app
- 5% NeuCoins on Tata brands and 1.5% NeuCoins on spends elsewhere
- Complimentary international and domestic lounge access
- Low forex markup fee of 2%
- 1% fuel surcharge waiver
- Spend-based renewal fee waiver
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Joining Fee
Renewal Fee
Best Suited For
Fuel
Reward Type
Reward Points
Welcome Benefits
Card Details +
Save up to 6.5% on fuel spends with a credit card. You get 4% as a reward on your HPCL fuel and LPG spends (max capped at Rs. 10,000 per month), 1.5% as a payback reward with payment through the HP Pay App (capped at max. Rs. 5,000 per month), and 1% fuel surcharge waiver (capped at max. Rs. 10,0000 per month).
- 5% cashback of up to Rs. 1,000 on the transaction value of the first EMI.
- Get up to Rs. 150 discount on orders above Rs. 500 on Swiggy
- Rs. 500 discount on Zoomcars rentals
- Get up to a 50% discount on rental cars from Eco Rent-A-Car and Europcar, both domestic and international.
- Complimentary domestic airport lounge access per quarter (minimum monthly spending of Rs. 5,000)
- Get up to 25% off on movie tickets (Rs. 100 max cap per month)
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Joining Fee
Renewal Fee
Best Suited For
Shopping
Reward Type
Cashback
Welcome Benefits
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The co-branded Myntra Kotak credit card is a great shopping card for loyal Myntra customers. The card offers exclusive discounts on Myntra and cashback on other partner brand spends. Not just this, you get Myntra Insider membership, lounge access, milestone benefits, and more.
- Rs. 500 worth of Myntra vouchers as a welcome benefit
- 7.5% discount on Myntra and 5% cashback on partner brand spends
- Unlimited 1.25% cash back on other offline and online spends
- Complimentary Myntra Insider membership
- Complimentary domestic lounge access
- Complimentary PVR movie tickets on reaching milestone spends
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Joining Fee
Renewal Fee
Best Suited For
Shopping
Reward Type
Cashback
Welcome Benefits
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Make easy UPI payments with the AU Bank InstaPay Credit Card. This is a lifetime free credit card and provides customers ease while making digital payments. As this is a virtual credit card, you won’t need to carry a physical card with you.
- Earn cashback while making spends with this card.
- You get 1% cashback while making transactions with the InstaPay Credit Card.
- Maximum of Rs. 100 can be earned while making spends with this credit card.
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Joining Fee
Renewal Fee
Best Suited For
Travel
Reward Type
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Welcome Benefits
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The HDFC IRCTC Credit Card is most suited for frequent travellers 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 Rs. 399, you get 4 Reward Points on Rs. 200 spent made with IRCTC.
- Amazon voucher worth Rs. 500 as a welcome benefit.
- 1 Cash Point for every Rs. 100 spent on retail purchases.
- 5x Cash Points on IRCTC spends.
- Complimentary railway lounge access every year.
- Spend-based waiver of the renewal fee.
- 1% fuel surcharge waiver.
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Joining Fee
Renewal Fee
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Card Details +
The YES Prosperity Rewards Plus credit card is a great card choice, especially for those who are aiming to save more on their spends. Customers of the card are given the chance to have their joining and renewal fees waived in addition to receiving special incentive offers. Additionally, you may simply redeem your earned reward points for a variety of goods and categories.
- For every Rs. 200 spent on retail purchases, you will get 4 Reward Points.
- 2 Reward Points on every Rs. 200 spent on utilities, bus lines, and tax payments.
- 8 Reward Points per Rs. 200 spent on travel and dining
- On each registration on YES PayNow, you will get 500 Reward Points.
- Accelerated Reward Points on selected purchases done through YES Cart.
- Spend-based waiver of joining and renewal fee.
- You can avail of great offers on dining, shopping, travel, wellness, etc.
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Joining Fee
Renewal Fee
Best Suited For
Movies
Reward Type
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Welcome Benefits
Card Details +
The ICICI Coral credit card offers several travel, entertainment, and dining benefits to its customers. You earn 2 RPs per Rs. 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.
- Reward Point per Rs. 100 you spent on utilities & insurance-related spends.
- 2 Reward Points per Rs. 100 you spend (except Fuel).
- Earn up to 10,000 bonus RPs annually under the Milestone Program.
- Get one complimentary domestic lounge access every quarter.
- Get one complimentary railway lounge pass every quarter.
- Enjoy up to 25% discount on movie ticket booking on BookMyShow and INOX.
- Get exclusive dining deals through the ICICI Bank Culinary Treats Programme
Fees
Joining Fee
Renewal Fee
Best Suited For
Fuel
Reward Type
Reward Points
Welcome Benefits
Card Details +
This is a great card to earn reward points on fuel. You can save a lot by making your fuel transactions with the BPCL SBI Octane Credit Card. This card has a high reward rate of 6.5%, including 1% fuel surcharge waiver.
- Four complimentary access to domestic lounges annually (1 per quarter).
- Gift Vouchers worth Rs 2,000 from Aditya Birla Fashion Yatra Urban Ladder Hush Puppies, or Bata on the annual expenditure of Rs. 3,00,000 or above.
- Renewal fee waived off if Rs. 2,00,000 expenditure is made in the previous card year.
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Joining Fee
Renewal Fee
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Card Details +
The Bank of Baroda Easy credit card is available lifetime free for a limited time and otherwise charges Rs. 500 as joining fee. You can earn reward points on your daily spends with the card and even get a cashback on payment of the credit card bill.
- Lifetime free card for a limited time
- 5x reward points on groceries, movies, departmental stores, etc.
- One reward point on other spends
- 0.5% cashback on card bill payment
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Joining Fee
Renewal Fee
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Card Details +
The card was specifically launched by HDFC Bank so cardholders could access credit conveniently on UPI. With the card, you get 3% cashback on UPI as well as regular spends. However, you just get a virtual version of the card and not a physical one.
- 3% Cashpoints on dining, PayZapp, supermarket, and grocery spends
- 2% Cashpoints on Utility spends
- 1% Cashpoints on other spends
- Renewal fee waiver on spending Rs. 25000 in the year
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.
More Bank Balance and Interest – When you use your credit card for UPI payments, your bank balance will be higher, and you will earn more interest per month.
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 out your bank balance through UPI apps, and similarly, you can check out your RuPay credit card limit as well.
Linking Your RuPay Credit Card to Your Preferred UPI App
Many people have started using their RuPay credit card to make UPI payments on popular applications like Paytm, BHIM, PhonePe, Google Pay, Payzapp, etc. Before you start using the credit card for payments, first you must link and add your card to the particular UPI app you use.
Read further to know how to link your card to some of the most commonly used UPI applications.
How to Link Your RuPay Credit Card to BHIM App
Follow these steps to link your RuPay credit card to the BHIM app –
- First, download or open the BHIM application on your iOS or Android smartphone.
- Sign up or log in to the application.
- Next, click on the Bank Accounts section near the top of the screen.
- Click the Plus button near the bottom right and then click on Credit Card.
- Choose your credit card issuer bank, and the application will show all eligible credit cards.
- Enter the necessary details, and your RuPay credit card will be added to the BHIM app.
How to Link Your RuPay Credit Card to Paytm App
Follow these steps to link your RuPay credit card to the Paytm app –
- Open the Paytm application and tap on the home page’s top left corner
- Scroll down and click on UPI and Payment Settings
- Open the ‘Other Settings’ section and click on Link RuPay Credit Card to Paytm UPI
- You will see all eligible banks that offer RuPay credit cards.
- Click on the bank whose credit card you have and the application will fetch the details related to your credit card.
- Authenticate your credit card and then setup the 4 or 6-digit UPI ID, if you haven’t done it already. Your RuPay credit card will be linked and ready to make UPI payments after this.
How to Link Your RuPay Credit Card to Google Pay App
Follow these steps to add your RuPay credit card to the Google Pay application –
- Download and open the Google Pay application on your smartphone.
- On the top right of the app, click on your Profile Picture and then click on Bank Account and Cards.
- Next, tap ‘RuPay Credit Card’ under the ‘Set up Payment Methods’ section.
- Now, the screen will show all the eligible banks offering RuPay credit cards.
- Click on the bank whose RuPay credit card you have, and the application will fetch your card details. Authenticate your card, and it will be ready to make UPI payments through Google Pay.
How to Link Your RuPay Credit Card to PhonePe App
Follow these steps to add your RuPay credit card to the PhonePe application –
- Download and open the PhonePe application on your iOS or Android smartphone.
- Click on the Profile icon near the app’s top left corner.
- In your profile, keep scrolling down and then click on ‘View All Payment Methods’ when you see it.
- Now, you will see all the payment methods you have added to PhonePe until now.
- You will see the Credit/Debit cards sub-heading. Click on the ‘Add Card’ option right next to it.
- You will see the Add RuPay credit card option now. Click on it.
- The screen will show all eligible banks that issue RuPay credit cards. Click on your card issuer bank.
- The application will fetch your credit card details, and you can fill in the necessary details.
- After filling in everything needed, click on Add. Your RuPay credit card will be linked to PhonePe and ready to make payments.
How to Link Your RuPay Credit Card to PayZapp App
Follow these steps to add your RuPay credit card to the PayZapp application –
- Download and open the HDFC PayZapp application on your smartphone.
- On the Homepage, scroll down, and under the offers section, click on UPI Payments on RuPay Credit Cards.
- Click on this offer, and you will reach the page with your linked bank accounts and credit cards.
- Click on ‘Add New’ near the bottom of the screen. You will see two options Bank Account and RuPay Credit Card. Choose the latter option.
- You will see a list of banks whose RuPay credit cards can be added. Click on your RuPay credit card’s issuer bank.
- Next, you have to enter the necessary details of your credit card to link it with PayZapp.
- Set up your four or 6-digit UPI PIN if you haven’t already, and your RuPay credit card will be ready to make UPI payments.
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.
UPI Payments with RuPay Credit Cards – Important Points to Remember
- You can use the RuPay credit card for UPI payments only to merchants. You cannot send money to your friends or family members through a RuPay credit card. Scan the QR code of the merchant to whom you have to pay money.
- Make sure you know the 4 or 6-digit UPI PIN to successfully complete the transaction. You won’t need your card’s CVV or any OTP and can complete the payment through the PIN, similar to other UPI transactions.
- Stay updated regarding the benefits and privileges offered by your RuPay credit card. You can save a decent amount of money and avail other benefits, if you use your RuPay credit card in the right manner.
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.
However, people could use their bank accounts or debit cards for UPI applications. As RBI has now allowed the linking of RuPay credit cards to UPI applications, people are getting the best of both credit and convenience. You can get the comfort and ease of UPI payments, all while getting the benefits of a traditional credit card.
Many small vendors and local merchants needed POS card machines and could not accept card payments. Now, people can use their credit card anywhere where UPI is accepted and can earn rewards and benefits for both small-time daily expenses as well as big-ticket purchases. We read about the best RuPay credit cards in India that can be used for UPI payments and the procedure to link your card to UPI apps and start using it for payments.
Head over to the comments section and tell us about your opinions regarding the linking of RuPay credit cards to UPI apps, if you have used this privilege for yourself, and your experience of it.
FAQs:
RuPay credit cards are offered by many popular and trusted banks in India like SBI, HDFC, AU Bank and IDFC First Bank.
Make easy and convenient payments with a Rupay credit card in India. You can link your credit card to your UPI app and start making payments quickly.
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