Best RuPay UPI Credit Cards

26 cards in this category

RuPay credit cards allow you to link your credit card directly to UPI apps like Google Pay, PhonePe, Paytm or BHIM. You can make instant QR code payments at merchant outlets using credit while earning reward points or cashback on daily UPI transactions.

2026 Comparison Matrix

Top Ranked Best RuPay UPI Credit Cards

Verified Bank MITC Terms

Side-by-side comparisonSwipe right for full table

Rank & Credit Card	CardCheck Score	Annual Fee	Top Category Perk	Quick Action
#1 Axis Bank#1 Leader Airtel Axis	80/100 Excellent	₹500Waived @ ₹2,00,000/yr	Up to 25% rewards on top categories	Compare
#2 Axis Bank Axis Bank My Zone	79/100 Very Good	₹500Waived @ ₹2,00,000/yr	Up to 5% rewards on top categories	Compare
#3 IDFC FIRST Bank IDFC First Power	79/100 Very Good	₹499Waived @ ₹1,50,000/yr	Up to 6.5% rewards on top categories	Compare
#4 IDFC FIRST Bank IDFC First Power+	79/100 Very Good	₹499Waived @ ₹1,50,000/yr	Up to 6.5% rewards on top categories	Compare
#5 ICICI Bank ICICI Bank HPCL Super Saver	78/100 Very Good	₹500Waived @ ₹1,00,000/yr	Up to 4% rewards on top categories	Compare

26 cards found

CardCheck Score

Airtel Axis Bank Credit Card

Airtel Axis Bank Credit Card

Axis Bank

Best for Airtel subscribers — telecom, broadband & utility cashback

Fuel WaiverLounge AccessHigh Rewards

25% cashback on Airtel mobile recharges, broadband, WiFi and DTH via Airtel Thanks app (up to ₹250/month)
10% cashback on utility bill payments (gas, electricity) via Airtel Thanks app (up to ₹250/month)
10% cashback on Swiggy, Zomato and BigBasket (up to ₹500/month combined)

₹500

₹500

1–25%

52.86%

CardCheck Score

Axis Bank My Zone Credit Card

Axis Bank My Zone Credit Card

Axis Bank

Best for Entertainment — movies, dining & streaming

Fuel WaiverLounge AccessHigh Rewards

10% cashback on BookMyShow and Swiggy (combined cap ₹500/month)
5% cashback on BigBasket
1.5% cashback on all other retail spends

₹500

₹500

1.5–5%

52.86%

CardCheck Score

Axis Bank Neo Credit Card

Axis Bank Neo Credit Card

Axis Bank

Best for Ultra-low fee beginners card — flat-rupee capped discounts on Zomato, Blinkit, Paytm utilities, BMS

Fuel WaiverHigh Rewards

Flat ₹120 off on Zomato per order (twice/month, min ₹499) — max ₹240/month
5% off utility bills via Paytm — capped ₹150/month (min ₹299)
10% off on Blinkit — capped ₹250/month (min ₹750, once/month)

₹250

₹250

0.25–10%

52.86%

CardCheck Score

HDFC Bank Bharat Credit Card

HDFC Bank Bharat Credit Card

HDFC Bank

Best for Rural and semi-urban users — 5% cashback on fuel, groceries, utilities

Fuel WaiverHigh Rewards

5% CashBack on fuel, groceries, bill payments, and government transactions
RuPay card with UPI payment capability
Annual fee waived on ₹50,000 annual spend

₹500

₹500

5%

42%

CardCheck Score

HDFC Millennia Credit Card

HDFC Millennia Credit Card

HDFC Bank

Best for online shoppers

Fuel WaiverLounge AccessHigh Rewards

5% cashback on select partner merchants
1% cashback on other spends
quarterly milestone voucher or lounge access

₹1,000

₹1,000

1–5%

CardCheck Score

IDFC First Power Credit Card

IDFC First Power Credit Card

IDFC FIRST Bank

Best for fuel savings

Fuel WaiverLounge AccessHigh RewardsShopping

up to 6.5% fuel savings
5% rewards on grocery and utility spends
3X rewards on UPI and retail transactions

₹499

₹499

0.67–6.5%

8.5–46.2%

CardCheck Score

IDFC First Power+ Credit Card

IDFC First Power+ Credit Card

IDFC FIRST Bank

Best for fuel savings on HPCL plus everyday rewards

Lounge AccessHigh RewardsShopping

up to 6.5% savings on HPCL fuel spends
5% rewards on groceries and utilities
3X rewards on UPI and retail spends

₹499

₹499

1.5–6.5%

8.5–46.2%

CardCheck Score

IndianOil HDFC Bank Credit Card

IndianOil HDFC Bank Credit Card

HDFC Bank

Best for IndianOil fuel buyers — maximum savings at IOCL pumps

Fuel WaiverHigh RewardsShopping

5% fuel points on IndianOil fuel purchases (up to 250 fuel points/month)
5% fuel points on grocery purchases
1% fuel points on all other eligible retail spends

₹500

₹500

1–5%

42%

CardCheck Score

IndianOil RBL Bank XTRA Credit Card

IndianOil RBL Bank XTRA Credit Card

RBL Bank

Best for Fuel savings at IndianOil stations

Fuel WaiverHigh RewardsWelcome BonusShopping

15 Fuel Points per ₹100 spent at IndianOil fuel stations (max 2,000 points/month)
2 Fuel Points per ₹100 on other spends
3,000 welcome Fuel Points on spending ₹500 within 30 days

₹1,500

₹1,500

1–8.5%

47.88%

CardCheck Score

Jupiter Edge+ CSB Bank RuPay Credit Card

Jupiter Edge+ CSB Bank RuPay Credit Card

CSB Bank

Best for cashback on shopping, cashback on travel, UPI payments on credit

Fuel WaiverHigh RewardsShopping

10% rewards in Jewels on top online shopping brands (capped ₹2,000/month)
5% rewards in Jewels on Jupiter Flights bookings (capped ₹1,000/month)
1% rewards on all other UPI and retail spends

₹499

Free

1–10%

42%

CardCheck Score

Kotak Cashback+ Credit Card

Kotak Cashback+ Credit Card

Kotak Mahindra Bank

Best for online groceries, food delivery, entertainment, fuel

Fuel WaiverHigh Rewards

5% cashback on online groceries, food delivery and entertainment
3% cashback on fuel
0.5% unlimited cashback on other eligible spends

₹750

₹750

0.5–5%

CardCheck Score

Scapia Federal Bank Credit Card

Scapia Federal Bank Credit Card

Federal Bank

Best for International travellers — zero forex + travel coins on every spend

Fuel WaiverHigh RewardsLow ForexShopping

Zero forex markup on all international transactions
10% travel coins on flight and hotel bookings via Scapia app
2% travel coins on all other eligible retail spends

Free

Free

2–10%

42%

CardCheck Score

YES Bank PaisaSave RuPay

YES Bank PaisaSave RuPay

Yes Bank

Best for dining and travel cashback, UPI payments

Fuel WaiverHigh RewardsShopping

6% cashback on dining and travel
1% cashback on all other online, offline and UPI transactions
UPI linking via RuPay

Free

₹499

1–6%

CardCheck Score

ZET FD Credit Card

ZET FD Credit Card

SBM Bank

Best for Building credit score with an FD-backed secured card and UPI rewards

FD starts at ₹2,000
Up to 7% interest on FD
90% of FD as credit limit

Free

Free

2–5%

CardCheck Score

ICICI Bank HPCL Super Saver Credit Card

ICICI Bank HPCL Super Saver Credit Card

ICICI Bank

Best for HPCL fuel buyers — maximum savings on petrol pump spends

Fuel WaiverLounge AccessHigh RewardsShopping

4% cashback on HPCL fuel transactions (up to ₹200/month)
100% fuel surcharge waiver on HPCL petrol pump transactions
1% cashback on all other eligible retail spends

₹500

₹500

1–4%

42%

CardCheck Score

Indian Oil Axis Bank Credit Card

Indian Oil Axis Bank Credit Card

Axis Bank

Best for Fuel spending at Indian Oil petrol pumps

Fuel WaiverHigh Rewards

4% value back on Indian Oil fuel purchases (as EDGE Reward Points)
100% fuel surcharge waiver on IOCL transactions
1% rewards on all other retail spends

₹500

₹500

1–4%

52.86%

CardCheck Score

Indian Oil Axis Bank Premium Credit Card

Indian Oil Axis Bank Premium Credit Card

Axis Bank

Best for Heavy IOCL fuel users — premium rewards + lounge access

Fuel WaiverLounge AccessHigh Rewards

4% value back on Indian Oil fuel purchases
2% rewards on grocery spends
1% rewards on all other spends

₹1,000

₹1,000

1–4%

52.86%

CardCheck Score

HDFC Bank Freedom Credit Card

HDFC Bank Freedom Credit Card

HDFC Bank

Best for Dining & grocery cashback — 5x on dining, groceries and movies

Fuel WaiverHigh Rewards

5 CashPoints per ₹150 on dining, groceries, movies, and railway tickets
10 CashPoints per ₹150 on birthday month (all categories)
1 CashPoint per ₹150 on all other eligible retail spends

₹500

₹500

0.67–3.33%

42%

CardCheck Score

Axis SuperMoney RuPay

Axis SuperMoney RuPay

Axis Bank

Best for UPI cashbackeveryday cashback spends

Fuel WaiverHigh RewardsShopping

3% cashback on eligible UPI spends via super.money app
1% cashback on other eligible spends
No joining or annual fee

Free

Free

1–3%

45%

CardCheck Score

HDFC Bank UPI RuPay Credit Card

HDFC Bank UPI RuPay Credit Card

HDFC Bank

Best for UPI power users — earn credit card rewards on UPI QR payments

Fuel WaiverHigh Rewards

3% CashBack on utility bill payments (electricity, water, gas)
1% CashBack on all other eligible UPI-linked spends
Card linked to HDFC UPI — scan any UPI QR to pay with credit

₹99

₹99

1–3%

42%

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Frequently asked questions

How do RuPay UPI credit cards work in India?: You can link your RuPay credit card to any UPI app (Google Pay, PhonePe, Paytm, BHIM). When scanning a merchant QR code, select your linked RuPay credit card instead of your bank account to complete payment.
Can I use RuPay credit card to send money to a friend via UPI?: No. RuPay credit cards on UPI can only be used for merchant transactions (P2M payments like buying groceries or dining). You cannot transfer funds to individuals (P2P payments).
Are there transaction fees for paying with RuPay credit card on UPI?: For consumers, there are zero transaction fees for UPI payments using a RuPay credit card. Merchants pay standard MDR only on transactions above ₹2,000.