Best Best RuPay Credit Cards for UPI Payments Ranked
-
PHONEPE HDFC ULTIMO
Joining Fee: ₹999 | Annual Fee: ₹999
Key Features: PhonePe Rewards: Accelerated CashPoints on utility recharges and merchant bills via PhonePe, Scan & Pay: 1% cashback on UPI QR scan-and-pay transactions, Lounge Access: 8 complimentary domestic lounge visits/year (subject to ₹75K quarterly spend), Fee Waiver: ₹999 annual fee waived on ₹2 Lakh annual spend
Read full review of PHONEPE HDFC ULTIMO -
TATA NEU INFINITY
Joining Fee: ₹1,499 | Annual Fee: ₹1,499
Key Features: Tata Neu Spends: Up to 10% NeuCoins on Tata Neu partner brands (5% card + 5% NeuPass), UPI Rewards: 1.5% NeuCoins on Tata Neu UPI payments (capped at 500 NeuCoins/month), Lounge Access: 8 domestic lounge visits/year (2/quarter upon ₹50K spend) + 4 international lounge visits via Priority Pass, Fee Waiver: ₹1,499 annual fee waived on ₹3 Lakh annual spend
Read full review of TATA NEU INFINITY -
IndianOil Axis Bank Credit Card
Joining Fee: ₹500 | Annual Fee: ₹500
Key Features: IOCL Fuel Points: 4% value back (20 EDGE points per ₹100) on IndianOil fuel pumps (capped at 1,000 points/month), Surcharge Waiver: 1% fuel surcharge waiver (capped at ₹50/month) on spends of ₹400-₹4,000, Online Shopping: 1% value back on online shopping platforms, Fee Waiver: ₹500 annual fee waived on ₹3.5 Lakh annual spend
Read full review of IndianOil Axis Bank Credit Card -
Indian Oil Kotak Credit Card
Joining Fee: ₹449 | Annual Fee: ₹449
Key Features: IOCL Fuel Savings: 4% savings (24 reward points per ₹150) on IndianOil fuel stations (capped at 300 points/month), Surcharge Waiver: 1% fuel surcharge waiver (capped at ₹100 per billing cycle) on spends of ₹400-₹4,000, Dining & Groceries: 2% value back (12 reward points per ₹150) on dining and groceries, Fee Waiver: ₹449 annual fee waived on ₹50,000 annual spend
Read full review of Indian Oil Kotak Credit Card -
HPCL Bank of Baroda ENERGIE Credit Card
Joining Fee: ₹499 | Annual Fee: ₹499
Key Features: HPCL Fuel Rewards: 4% fuel savings (24 reward points per ₹150) at HPCL fuel pumps (capped at 1,000 points/month), Surcharge Waiver: 1% fuel surcharge waiver (capped at ₹100/month) on spends of ₹400-₹5,000, Lounge Access: 4 complimentary domestic lounge visits/year (1 per quarter, subject to ₹20K spend in previous quarter), Fee Waiver: ₹499 annual fee waived on ₹50,000 annual spend
Read full review of HPCL Bank of Baroda ENERGIE Credit Card -
IDFC First Bank Power Credit Card
Joining Fee: ₹199 | Annual Fee: ₹199
Key Features: HPCL Fuel Savings: Up to 5% savings on fuel (3.5% card rewards + 1.5% HP Pay benefits), Utility & Grocery: 3.5% reward rate on utility bills, groceries, and IDFC FIRST FASTag recharge, Zero Surcharge Trap: Designed for HP Pay app payments to maximize net fuel returns without surcharge loss, Fee Waiver: ₹199 annual fee waived on ₹50,000 annual spend
Read full review of IDFC First Bank Power Credit Card -
IDFC First Bank Power+ Credit Card
Joining Fee: ₹499 | Annual Fee: ₹499
Key Features: HPCL Fuel Savings: Up to 6.5% savings on fuel (5% card rewards + 1.5% HP Pay benefits, capped at ₹400/month), Utility & Grocery: 5% reward rate on utility bills, groceries, and IDFC FIRST FASTag recharge, Lounge Access: 4 complimentary domestic lounge visits/year (1 per quarter, subject to ₹20K spend in previous month), Fee Waiver: ₹499 annual fee waived on ₹1.5 Lakh annual spend
Read full review of IDFC First Bank Power+ Credit Card -
Jupiter Edge+ CSB Bank RuPay Card
Joining Fee: Lifetime Free | Annual Fee: Lifetime Free
Key Features: Partner Brands: 10% cashback (as Jewels) on Amazon, Flipkart, Myntra, Ajio, Nykaa, etc., Travel: 5% cashback on MakeMyTrip, EaseMyTrip, Yatra, Cleartrip, UPI & General: 1% cashback on other online, offline, and scan-and-pay UPI transactions
Read full review of Jupiter Edge+ CSB Bank RuPay Card -
Kiwi RuPay Credit Card
Joining Fee: Free | Annual Fee: Free
Key Features: Scan & Pay: 2% cashback on scan and pay UPI, Lifetime Free: No joining or annual fees
Read full review of Kiwi RuPay Credit Card -
IndiGo Kotak Credit Card
Joining Fee: ₹700 | Annual Fee: ₹700
Key Features: Welcome Voucher: 1,500 BluChips upon paying the joining fee., Flight Rewards: 3 BluChips per ₹100 spent on IndiGo bookings., UPI Spends: UPI spends earn BluChips on RuPay network.
Read full review of IndiGo Kotak Credit Card -
IndiGo IDFC FIRST Credit Card
Joining Fee: ₹4,999 | Annual Fee: ₹4,999
Key Features: Dual Network Convenience: Two physical cards (Mastercard + RuPay) issued together., High Flight Yields: Up to 22 BluChips per ₹100 spent on IndiGo bookings., Low Forex Benefit: Forex markup of 1.49% for international transactions.
Read full review of IndiGo IDFC FIRST Credit Card
Frequently Asked Questions
- How do RuPay credit cards work on UPI in India?
- RuPay credit cards can be linked directly to leading UPI applications including Google Pay, PhonePe, Paytm, and BHIM to scan merchant QR codes.
- Can I transfer money to friends or family (P2P) using a RuPay credit card on UPI?
- No. NPCI and RBI regulations strictly prohibit peer-to-peer (P2P) personal fund transfers using credit cards on UPI.
- Which RuPay credit card delivers the highest reward rate on UPI transactions?
- The Tata Neu Infinity Credit Card delivers 1.5% NeuCoins on UPI transactions when paying via the Tata Neu UPI handle.