Top 7 Best RuPay Credit Cards for UPI (2026)

Here is the side-by-side spec comparison of India’s top 7 RuPay cards for UPI payments, verified against official Most Important Terms and Conditions (MITC):

Spec ComparisonScroll horizontally →

Card Name	Issuer	Annual Fee	Top UPI Reward Rate	Best For
Tata Neu Infinity	HDFC Bank	₹1,499	Up to 5.0% NeuCoins	Tata Neu power users & maximum cashback
Kiwi RuPay Credit Card	Yes Bank	₹0 (Lifetime Free)	Flat 2.0% Direct Cashback	Daily merchant QR scans with zero fee
Jupiter Edge+ RuPay	CSB Bank	₹0 (Lifetime Free)	Up to 2.0% (10% Jewels)	Shopping + UPI cashback in one app
Axis SuperMoney RuPay	Axis Bank	₹0 (Lifetime Free)	Up to 3.0% Cashback	Everyday QR scans via super.money
YES Bank PaisaSave	Yes Bank	₹0 (Lifetime Free)	1.0% UPI + 6.0% Dining	Food delivery, dining & UPI combo
slice UPI Credit Card	Slice SFB	₹0 (Lifetime Free)	Up to 3.0% Cashback	Gen Z and app-first instant credit
HDFC Bank UPI RuPay	HDFC Bank	₹99	3.0% CashPoints	Low-fee virtual UPI companion card

1. Tata Neu Infinity HDFC Bank Credit Card — The Maximum Reward Flagship

• Annual Fee: ₹1,499 (Waived on spending ₹3,00,000 annually)
• Primary Reward Rate: 5% NeuCoins on UPI transactions via Tata Neu (1.5% base + 3.5% additional NeuPass)
• Lounge Access: 2 complimentary domestic airport lounge visits per quarter + 4 international visits per year via Priority Pass.

Why it leads the pack:

The Tata Neu Infinity HDFC Bank Credit Card is the undisputed heavyweight for UPI cashback in India. When you link this card inside the Tata Neu app and scan any UPI QR code, you earn up to 5% back as NeuCoins (1 NeuCoin = ₹1). NeuCoins can be redeemed at 100% value across BigBasket, 1mg, Croma, Air India, Tata CLiQ, and Westside.

The Catch:

• The accelerated 5% reward on UPI payments is capped at 500 NeuCoins per calendar month for general QR scans.
• Using this card on third-party UPI apps like Google Pay or PhonePe earns the base 1.5% rate rather than the full 5% Tata Neu rate.
• Transactions on rent, fuel, wallet reloads, and government payments are excluded.

2. Kiwi RuPay Credit Card — Best Flat Cashback with Zero Annual Fee

• Annual Fee: ₹0 (Lifetime Free)
• Primary Reward Rate: Up to 2% direct cashback on scan & pay QR transactions
• Joining Perk: Instant virtual card generation within 2 minutes of approval.

Why it is a fan favorite:

Co-branded with Yes Bank, Kiwi is designed from the ground up as a dedicated UPI app. Unlike other cards where rewards come as obscure points with complex catalogue redemption, Kiwi credits your earnings as direct cashback straight to your linked bank account or Kiwis that convert directly to rupees.

The Catch:

• Achieving the highest 2% flat cashback rate requires opting into Kiwi Neon membership; base users earn 0.5%–1.5%.
• P2P transactions (sending money to friends or family) earn zero cashback, like all RuPay UPI cards.

3. Jupiter Edge+ CSB Bank RuPay Credit Card — Best for Shopping & Travel Mix

• Annual Fee: ₹0 (Lifetime Free) (Joining fee: ₹499)
• Primary Reward Rate: Up to 2% Edge rewards on UPI payments; up to 10% on chosen accelerated brand categories
• Redemption: Instant conversion of Jewels to cash or digital gold in the Jupiter app.

Why it stands out:

Issued in partnership with CSB Bank, Jupiter Edge+ bridges the gap between everyday UPI QR micro-transactions and high-reward shopping. Users earn "Jewels" on every scan, which never expire and can be instantly liquidated into statement cash credit.

The Catch:

• Accelerated rewards have category monthly caps.
• Requires managing transactions through the Jupiter mobile app interface.

4. Axis SuperMoney RuPay — The Zero-Fuss Everyday QR Card

• Annual Fee: ₹0 (Lifetime Free)
• Primary Reward Rate: Up to 3% cashback on super.money app QR scans
• Card Format: Digital-first virtual credit line backed by Axis Bank.

Why it stands out:

Backed by Flipkart Group’s fintech initiative and Axis Bank, the SuperMoney RuPay card offers aggressive cashback on routine daily merchant payments (kirana stores, food outlets, and local service providers). With zero joining fee and zero annual fee, it carries zero holding cost.

The Catch:

• Monthly cashback is capped under current terms (₹500/month maximum reward cap).
• Highest cashback rate requires scanning through the super.money app.

5. YES Bank PaisaSave RuPay — High Dining & Travel Rewards

• Annual Fee: ₹0 (Lifetime Free)
• Primary Reward Rate: 1% base cashback on UPI + 6% cashback on dining and travel spends
• Cashback Cap: Generous ₹3,00,0 monthly cashback ceiling.

Why it stands out:

If you want a versatile credit card that handles both physical dining outings and daily UPI QR scans, PaisaSave provides a high 6% dining rebate alongside 1% UPI coverage with ₹1 = 1 Reward Point value.

The Catch:

• Dining payments completed via UPI QR code earn the standard 1% base rate rather than the accelerated 6% merchant rate.

6. slice UPI Credit Card — Digital-First App Experience

• Annual Fee: ₹0 (Lifetime Free)
• Primary Reward Rate: Up to 3% cashback on everyday transactions
• Account Structure: Operates alongside Slice Small Finance Bank integration.

Why it stands out:

A sleek, mobile-native card that caters to tech-savvy users and first-time credit holders. It eliminates manual statement reconciliation by showing real-time balance tracking, immediate cashback credits, and flexible repayment splits.

The Catch:

• Best reward tiers often require maintaining a slice banking relationship.

7. HDFC Bank UPI RuPay Credit Card — Low-Cost Virtual Companion

• Annual Fee: ₹99 + GST (Waived on spending ₹25,000 annually)
• Primary Reward Rate: 3% CashPoints on groceries, supermarket, dining, and PayZapp; 1% on other UPI spends
• Format: Purely virtual credit card linked to your existing HDFC credit limit.

Why it stands out:

For millions of existing HDFC credit card holders (Regalia, Millennia, Infinia), HDFC issues this virtual UPI card instantly with shared credit limits. It earns 3% CashPoints on grocery runs and food bills with a minimal ₹25,000 spend requirement to waive the ₹99 annual fee.

The Catch:

• Low monthly reward cap (500 CashPoints per calendar month on accelerated categories).

Before you start scanning QR codes with your RuPay credit card, keep these 4 ground rules in mind:

1. Merchant QR (P2M) vs Personal Transfers (P2P): RuPay credit cards can only be used to pay verified merchants (P2M transactions). You cannot send money from a credit card to friends, family, or personal UPI IDs.
2. Zero Merchant Surcharge (MDR): Under RBI and NPCI guidelines, transactions under ₹2,000 incur zero MDR for small merchants, meaning shopkeepers cannot levy an extra surcharge on you.
3. Restricted Categories: Cash advances, wallet top-ups (Paytm, Mobikwik), government tax payments, and online gaming transactions do not earn reward points.
4. Linking Steps: Open Google Pay, PhonePe, or Paytm -> Tap your Profile -> Select "RuPay Credit Card on UPI" -> Choose your bank -> Authenticate via SMS OTP -> Set a 6-digit UPI PIN.

• For Maximum Return on Spends: Pick Tata Neu Infinity if you shop on BigBasket, 1mg, Croma, or Tata Neu regularly for a dominant 5% return.
• For 100% Free Daily Cash: Pick Kiwi RuPay for hassle-free flat cashback deposited right to your bank account with zero maintenance fee.
• For Existing HDFC Customers: Get the HDFC Bank UPI RuPay Card for an instant virtual add-on without a hard CIBIL credit inquiry.
• For App-First Spending & Shopping: Choose Jupiter Edge+ RuPay or Axis SuperMoney.

Use our interactive CardCheck Quiz to find your perfect credit card match based on your exact monthly budget.