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.

26 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
Axis Bank super.money RuPay
Axis Bank · RuPay · Lifetime free
- 3% cashback on UPI spends
- Up to 3 percent cashback on UPI spends made through the super.money app.
About ₹420 a month back on ₹14,000 of UPI spend
Lifetime freeUnverified
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
Tata Neu Infinity SBI Card
SBI Card · RuPay · ₹1,499 / year
- 1.5% cashback on UPI spends
About ₹210 a month back on ₹14,000 of UPI spend
4
IDFC FIRST Bank IDFC FIRST Business Multiplier
IDFC FIRST Bank · RuPay · ₹1,000 / year
- 1% cashback on UPI spends
About ₹175 a month back on ₹14,000 of UPI spend
5
IDFC FIRST Bank IDFC FIRST Business Max
IDFC FIRST Bank · RuPay · Lifetime free
- 1% cashback on UPI spends
About ₹140 a month back on ₹14,000 of UPI spend
Lifetime free
6
IDFC FIRST Bank IDFC FIRST Quantum+
IDFC FIRST Bank · RuPay · Lifetime free
- 1% cashback on UPI spends
About ₹140 a month back on ₹14,000 of UPI spend
Lifetime free
7
HDFC Bank PIXEL Go Credit Card
HDFC Bank · RuPay · ₹250 / year
- 1% cashback on UPI spends
At SmartBuy
About ₹140 a month back on ₹14,000 of UPI spend
8
IDFC FIRST Bank IDFC FIRST HPCL Power+
IDFC FIRST Bank · RuPay · ₹499 / year
- 1% cashback on UPI spends
About ₹140 a month back on ₹14,000 of UPI spend
9
IDFC FIRST Bank IDFC FIRST SWYP
IDFC FIRST Bank · RuPay · ₹499 / year
- 1% cashback on UPI spends
About ₹140 a month back on ₹14,000 of UPI spend
10
Tata Neu Plus SBI Card
SBI Card · RuPay · ₹499 / year
- 1% cashback on UPI spends
About ₹140 a month back on ₹14,000 of UPI spend
11
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
12
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

Also carry a UPI payments benefit

Ranked 13 to 26 at the spend above. Each page states exactly what the issuer offers.

Other categories

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.

Build my card dashboard