Best RuPay Credit Cards for UPI in India (2026)UPI / RuPay

Co-branded RuPay credit card powered by YES BANK delivering 3% base and 5% milestone cashback on merchant UPI transactions via the Kredit.Pe app, 5% on online and gold spends, and a ₹1,000 welcome bonus.

Engineered specifically for RuPay UPI transactions, offering up to 5% cashback on merchant QR code payments through the super.money app alongside 1% on other UPI apps. It solves the historic limitation of credit cards by earning rewards on everyday small-ticket merchant payments. The catch is that peak 5% value requires initiating scans through the super.money app interface, while peer-to-peer and excluded merchant categories earn zero.

Leverages RuPay rails to enable UPI payments on corporate expense accounts, letting professionals pay merchant invoices and daily operational costs via QR scans. It expands credit card acceptability into previously cash-only or net-banking vendors. The key trade-off is its specialized business and Zaggle portal integration, which offers limited value for personal household spend.

Secured credit card issued by SBM Bank India backed by a fixed deposit, featuring credit limit up to 90% of deposit, RuPay credit-on-UPI capability, and zero joining fee.

Earns 50 Jewels per ₹100 on curated brands (10% effective valueback) and base 5 Jewels per ₹100 (1% return) on general UPI merchant QR payments.

Delivers accelerated valueback on UPI transactions initiated within the PhonePe app, paired with premium HDFC Bank merchant offer compatibility. It maximizes returns for power users of the PhonePe financial ecosystem across bill pay, recharge, and merchant scans. However, using other UPI apps reduces the reward yield significantly, and annual fees apply.

Offers high reward points on PhonePe app merchant payments alongside travel and dining multipliers backed by SBI Card. It represents an elevated co-branded option for users who combine frequent UPI payments with periodic airline and lifestyle spending. The main catch is a ₹1,499 annual fee and that points conversion value is optimized primarily within partner catalogues.

Tailored for Google Pay users, awarding accelerated cashback and vouchers on QR code merchant scans and bill payments completed through the Google Pay app. It provides an intuitive payment experience on India's widely used payment platform. However, transactions conducted outside Google Pay earn lower baseline returns and fuel/rent exclusions apply.

A dedicated virtual RuPay credit card issued by HDFC Bank specifically designed to link to UPI apps with zero plastic card hassle. It shares credit limits with your existing HDFC card while earning steady reward points on grocery, supermarket, and daily merchant QR payments. Its main limitation is that reward points carry modest redemption valuations and it does not offer lounge or travel perks.

Serves as the entry-level tier for PhonePe and SBI Card's RuPay partnership, offering accelerated rewards on daily merchant scans at an accessible fee. It makes credit card UPI payments viable for entry-level cardholders. Its limitation is a lower monthly rewards ceiling and fewer lifestyle perks than the Select Black tier.