Best RuPay Credit Cards for UPI

Frequently asked questions

Which is the best RuPay credit card for UPI in 2026?

The Tata Neu Infinity HDFC Credit Card is the highest-rewarding RuPay card, earning up to 5% NeuCoins on UPI transactions when paying via the Tata Neu app (1.5% on other UPI apps). For direct cashback, the Kiwi RuPay Card offers a flat 2% return on all merchant QR payments with zero annual fees.

Can I link my RuPay credit card to Google Pay, PhonePe, and Paytm?

Yes. To link your card, open Google Pay, PhonePe, or Paytm, navigate to your Profile, tap "Link RuPay Credit Card on UPI", select your issuing bank, verify via SMS OTP, and set a UPI PIN. You can then scan any merchant QR code and select the credit card to complete payment.

Are there any convenience fees or extra charges for UPI credit card payments?

No. Consumers pay zero extra charges or convenience fees for UPI merchant payments using a RuPay credit card. Under Reserve Bank of India (RBI) and NPCI regulations, no Merchant Discount Rate (MDR) can be passed on to cardholders.

Can I send money to a friend or transfer funds to a bank account using RuPay credit card on UPI?

No. RuPay credit cards on UPI only support Person-to-Merchant (P2M) payments, such as buying groceries, retail shopping, and dining. Person-to-Person (P2P) transfers to friends, family, or personal bank accounts are strictly blocked by NPCI.

Which RuPay credit cards are 100% Lifetime Free (Zero Annual Fee)?

Top lifetime free RuPay credit cards include the Kiwi RuPay Card (Yes Bank), Axis SuperMoney RuPay, and IndusInd Samman RuPay. Major banks like ICICI and HDFC also offer pre-approved virtual RuPay UPI add-on cards with ₹0 joining fee.

Is SBI Cashback available as a RuPay UPI credit card?

No. The SBI Cashback Credit Card is exclusively issued on the Visa network and cannot be linked to UPI. For UPI cashback, top alternatives are Tata Neu Infinity HDFC (up to 5%), Kiwi RuPay (2%), or Kotak Cashback+ RuPay (up to 5% on dining/groceries).

What is the daily transaction limit for RuPay credit cards on UPI?

NPCI sets a standard daily limit of ₹1 Lakh per day for regular merchant UPI transactions, subject to your card's available credit limit. For verified categories like hospitals and educational institutions, limits extend up to ₹5 Lakh per transaction.

Do RuPay credit cards earn rewards on petrol, fuel pumps, and utility bills via UPI?

Standard RuPay cards usually exclude fuel transactions from UPI rewards. However, dedicated co-branded cards like IndianOil Axis RuPay and HPCL ICICI RuPay offer 4% to 5% fuel valueback, while Airtel Axis RuPay provides 10% cashback on utility bill recharges.