Best RuPay credit cards for UPI payments in India
Only a RuPay credit card can be linked to a UPI handle, so this list is RuPay by construction. Ranked by what a scanned payment earns after caps — several cards state a rate and cap it low enough that the cap is the real number.
17 of the catalog’s cards carry a UPI payments benefit. They are ranked by the same engine your dashboard runs, at ₹14,000 a month scanned at counters. Your spend will rank them differently, which is the point of the dashboard. Every figure comes from the issuer’s own page and carries the date it was checked.
Ranked
- 1
About ₹420 a month back on ₹14,000 of UPI spend
Lifetime free - 2
HDFC Bank Tata Neu Infinity
HDFC Bank · RuPay · ₹1,499 / year
- 1 points per ₹100 on UPI spends
- 1.5% cashback on UPI spends
About ₹210 a month back on ₹14,000 of UPI spend
- 3
About ₹210 a month back on ₹14,000 of UPI spend
- 4
About ₹140 a month back on ₹14,000 of UPI spend
Lifetime free - 5
About ₹140 a month back on ₹14,000 of UPI spend
Lifetime free - 6
About ₹140 a month back on ₹14,000 of UPI spend
- 7
About ₹140 a month back on ₹14,000 of UPI spend
- 8
IDFC FIRST Bank IDFC FIRST Hello Cashback
IDFC FIRST Bank · RuPay · ₹1,000 / year
- 1% cashback on UPI spends
About ₹140 a month back on ₹14,000 of UPI spend
- 9
Gaj Credit Card | Premium Metal Credit Card by IDFC FIRST Bank | IDFC FIRST Bank
IDFC FIRST Bank · RuPay · ₹12,500 / year
- 1% cashback on UPI spends
About ₹140 a month back on ₹14,000 of UPI spend
- 10
About ₹70 a month back on ₹14,000 of UPI spend
Unverified - 11
About ₹70 a month back on ₹14,000 of UPI spend
Unverified - 12
Kotak Mahindra Bank Kotak UPI RuPay
Kotak Mahindra Bank · RuPay · Lifetime free
- 3 points per ₹100 on UPI spends
About ₹42 a month back on ₹14,000 of UPI spend
Lifetime free
Also carry a UPI payments benefit
Ranked 13 to 17 at the spend above. Each page states exactly what the issuer offers.
This list is for the whole catalog at one stated spend. Add the cards you actually hold and CardVeda ranks them for your spend, after caps and milestones.