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.
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.
10 Reward Points/₹100 Spent on PhonePe, 5 Reward Points/₹100 Spent Online, and 1 Reward Point/₹100 on Other Valid Spends
PhonePe Gift Voucher Worth ₹1,500
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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.
10% Cashback on Dining, Food Delivery, and Grocery Spending. 1% Cashback on Other Eligible Spends (Including UPI). Both Categories are Capped at ₹400
₹500 Cashback on Logging in to the HSBC India Mobile Banking App and 2 Month EazyDiner Membership
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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.
3 Reward Points/₹100 Spent on PhonePe, 2 Reward Points/₹100 Spent Online, and 1 Reward Point/₹100 on Other Valid Spends
PhonePe Gift Voucher Worth ₹500
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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.
5% Cashback at Myntra, 3% Cashback on Cleartrip, and 2% Cashback on Flipkart. 1% Cashback on All UPI and Non-UPI Transactions
None
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2% & 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.
499 NeuCoins
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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.
10 POPcoins/₹100 Spent Online and 2 POPcoins on Offline Purchases. Instant 5% POPcoins via POPUPI
Benefits Worth ₹5,000 Including 500 POPcoins, Cleartrip Voucher Worth ₹750, Cult Sport Voucher Worth ₹500, Zomato Gold Membership (3 Months) and More
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The YES Bank POP CLUB Credit Card is honestly a pretty underrated option for UPI payments, especially for users who frequently transact online. Since it comes on the RuPay network, it can be linked easily with UPI apps and even offers instant 5% POPcoins via POP UPI. Add to that the lifetime free pricing and decent rewards, and it becomes a solid everyday spending card for beginners as well as regular UPI users.
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 –
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-
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.
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.
RuPay credit cards are offered by many popular and trusted banks in India, like SBI, HDFC, AU Bank, and IDFC First Bank.
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.
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.
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.
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.
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.
5 comments
HARISH TIWARI
Nice All Card’s
Nilesh Kabra
The list seems incomplete without HDFC Tata Neu Infinity. By far the highest reward rate of 1.5% on UPI spends
Kartik Kanwar
Will add the Neu cards soon.
Naman Singh
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.
Kartik Kanwar
It is a great card for people who regularly travel by train.