10 Best RuPay Credit Cards for UPI Payments in India

Do you want to enjoy the convenience and benefits of UPI payments along with the perks of a credit card?

If yes, then you might want to consider a RuPay credit card.

RuPay is India’s own payment network that offers secure and low-cost transactions. It competes with other international payment networks like Visa and Mastercard.

RuPay credit cards come in three variants: Classic, Platinum, and Select. Each variant offers different features and benefits to suit your needs and preferences.

But what makes RuPay credit cards ideal for UPI payments?

Well, UPI or Unified Payments Interface is a fast and easy way to transfer money using your mobile phone. You can link your RuPay credit card to your UPI app and make payments to any UPI ID or QR code.

Some RuPay credit cards also offer cashback on your first UPI transaction of every month. This way, you can save money while making payments.

Sounds good, right?

But how do you choose the best RuPay credit card for your UPI payments?

Don’t worry, we have got you covered.

In this article, we will help you find the best RuPay credit cards for your UPI payments needs. We will compare the features and benefits of 10 best RuPay credit cards in India and help you decide which one suits you the most.

So, let’s get started.

10 Best RuPay Credit Cards for UPI Payments in India

Here are the 10 best RuPay credit cards for UPI payments in India based on their features and benefits:

HDFC Bank Regalia RuPay Select Credit Card

Best RuPay Credit Cards
Source – Desidime
  • This card offers 4 reward points per Rs. 150 spent on all categories, which can be redeemed for air miles, hotel bookings, shopping vouchers, etc.
  • It also offers free airport lounge access six times a year, free Club Vistara Silver membership, free Zomato Gold membership, and free insurance cover up to Rs. 1 crore.
  • It has an annual fee of Rs. 2,500, which can be waived on spending Rs. 3 lakh in a year.
  • It does not have any specific benefits for UPI payments, but it is a good option for frequent travellers and online shoppers who want to enjoy premium benefits and rewards.

IndianOil Axis Bank RuPay Platinum Credit Card

Best RuPay Credit Cards
  • This card offers up to 20% cashback on fuel transactions at IndianOil outlets, up to 5% cashback on online grocery spends, and up to 2% cashback on other online spends.
  • It also offers a welcome gift of 100% cashback on fuel transactions up to Rs. 250 in first 30 days, free personal accident insurance cover up to Rs. 40 lakh, and fuel surcharge waiver up to Rs. 250 per month.
  • It has an annual fee of Rs. 500, which can be waived on spending Rs. 50,000 in a year.
  • It does not have any specific benefits for UPI payments, but it is a good option for fuel savers and online shoppers who want to enjoy cashback and savings.

SBI Shaurya Select RuPay Credit Card

Best RuPay Credit Cards
  • This card offers 4 reward points per Rs. 100 spent on dining, groceries, departmental stores and movies; and 1 reward point per Rs. 100 spent on other categories.
  • It also offers a welcome gift of e-gift voucher worth Rs.500 from Amazon.in; free airport lounge access four times a year; free fraud liability cover of Rs.1 lakh; and minimum 15% savings on dining at over 2,500 restaurants across India.
  • It has an annual fee of Rs. 499, which can be reversed on spending Rs. 1 lakh in a year.
  • It does not have any specific benefits for UPI payments, but it is a good option for lifestyle spenders and movie buffs who want to enjoy rewards and discounts.

ICICI Bank Coral RuPay Credit Card

Best RuPay Credit Cards
Source: BigBizz
  • This card offers PAYBACK points on every spend: -2 points per Rs.100 spent on retail purchases except fuel -1 point per Rs.100 spent on utilities and insurance categories -4 points per Rs.100 spent on dining and groceries -8 points per Rs.100 spent on movie tickets booked through BookMyShow or INOX website/app -10 points per Rs.100 spent on travel bookings made through MakeMyTrip website/app
  • It also offers a welcome gift of 2,000 PAYBACK points on spending Rs.2,000 within 60 days of card issuance; free airport lounge access two times per quarter; buy one get one free movie ticket up to Rs.250 per month at BookMyShow or INOX; and minimum 15% savings on dining at over 2,500 restaurants across India.
  • It has an annual fee of Rs.500, which can be waived on spending Rs.1.5 lakh in a year.
  • It does not have any specific benefits for UPI payments, but it is a good option for online shoppers and travellers who want to enjoy PAYBACK points and offers.

Bank of Baroda Easy RuPay Credit Card

Best RuPay Credit Cards
  • This card offers 5 reward points per Rs.100 spent on online shopping, dining, utilities and entertainment; and 1 reward point per Rs.100 spent on other categories.
  • It also offers a welcome gift of Rs.500 cashback on spending Rs.5,000 in first 60 days; free airport lounge access two times a year; and 5% cashback on first UPI transaction of every month (up to Rs.250).
  • It has an annual fee of Rs.500, which can be waived on spending Rs.35,000 in a year.
  • It is a good option for online shoppers and UPI users who want to enjoy reward points and cashback.
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Bank of Baroda Premier RuPay Credit Card

Best RuPay Credit Cards
  • This card offers 10 reward points per Rs.100 spent on online shopping, dining, utilities and entertainment; and 2 reward points per Rs.100 spent on other categories.
  • It also offers a welcome gift of Rs.1,000 cashback on spending Rs.10,000 in first 60 days; free airport lounge access four times a year; and 5% cashback on first UPI transaction of every month (up to Rs.250).
  • It has an annual fee of Rs.1,000, which can be waived on spending Rs.1.2 lakh in a year.
  • It is a good option for online shoppers and UPI users who want to enjoy higher reward points and cashback.

PNB RuPay Select Credit Card

Best RuPay Credit Cards
  • This card offers 2 reward points per Rs.100 spent on all categories.
  • It also offers a welcome gift of 300 reward points; free personal accident insurance cover of Rs.10 lakh; free airport lounge access four times a year; and 24×7 concierge services.
  • It has no annual fee for the first year and Rs.500 from the second year, which can be waived on spending Rs.50,000 in a year.
  • It does not have any specific benefits for UPI payments, but it is a good option for frequent travellers and insurance seekers who want to enjoy reward points and insurance cover.

Union Bank RuPay Select Credit Card

Best RuPay Credit Cards
  • This card offers 4 reward points per Rs.100 spent on dining, hotel and international transactions; and 2 reward points per Rs.100 spent on other categories.
  • It also offers a welcome gift of 300 reward points; free personal accident insurance cover of Rs.10 lakh; free airport lounge access four times a year; and exclusive cashback offers on utility bills, mobile wallet and IRCTC.
  • It has no annual fee for the first year and Rs.250 from the second year, which can be waived on spending Rs.50,000 in a year.
  • It does not have any specific benefits for UPI payments, but it is a good option for frequent travellers and cashback seekers who want to enjoy reward points and cashback.
ALSO READ: How to Add Credit Card to UPI Apps Like Google Pay and PhonePe !

IDFC First Millennia Credit Card

Best RuPay Credit Cards
  • This card offers 10X reward points on online spends, 6X reward points on offline spends, and 1 reward point = Re.1.
  • It also offers a welcome gift of Rs.500 cashback on spending Rs.15,000 in first 90 days; free airport lounge access twice a year; and 5% cashback on first UPI transaction of every month (up to Rs.100).
  • It has an annual fee of Rs.500, which can be waived on spending Rs.15,000 in a year.
  • It is a good option for online shoppers and UPI users who want to enjoy high-value reward points and cashback.

BOB Financial Select Credit Card

  • This card offers 5 reward points per Rs.100 spent on online shopping, dining, utilities and entertainment; 1 reward point per Rs.100 spent on other categories; 1 reward point = Re.0.25; redeemable for statement credit or gift vouchers.
  • It also offers a welcome gift of Rs.500 cashback on spending Rs.5,000 in first 60 days; free airport lounge access four times a year; and 5% cashback on first UPI transaction of every month (up to Rs.250).
  • It has an annual fee of Rs.750, which can be waived on spending Rs.70,000 in a year.
  • It is a good option for online shoppers and UPI users who want to enjoy reward points and cashback.

Conclusion

So, these are the 10 best RuPay credit cards for UPI payments in India that you can choose from.

As you can see, each card has its own features and benefits that suit different needs and preferences.

Some cards offer more rewards and benefits for online shopping and travel, while others offer more cashback and savings for fuel and utility payments.

Some cards have no annual fee or low annual fee, while others have higher annual fee but also offer more premium benefits and rewards.

Some cards have specific benefits for UPI payments, while others do not.

The best way to choose the right RuPay credit card for your UPI payments is to compare the features and benefits of different cards and see which one matches your spending habits and goals.

You can also use our credit card comparison tool to find the best RuPay credit card for you.

We hope this article has helped you find the best RuPay credit card for your UPI payments needs.

If you have any questions or feedback, please feel free to leave a comment below.

And if you liked this article, please share it with your friends and family who might benefit from it.

FAQs

How can I get a RuPay credit card?

Apply through any bank that offers RuPay credit cards. Some banks are HDFC Bank, Axis Bank, SBI, ICICI Bank, etc. Visit their branches or websites to apply.

What is a RuPay credit card?

A RuPay credit card is a credit card that is issued by an Indian bank and works on the RuPay payment network. It offers secure and low-cost transactions for both domestic and international payments. It also supports various payment modes like credit cards, debit cards, prepaid cards, UPI, etc.

Can RuPay credit card be used for UPI?

Yes, RuPay credit card can be used for UPI payments. You can link your RuPay credit card to your UPI app and make payments to any UPI ID or QR code. You can also enjoy rewards and cashback on your UPI transactions using your RuPay credit card.

How do I link my RuPay credit card to UPI PhonePe?

You can link your RuPay credit card to UPI PhonePe by following these steps:
Open the PhonePe app and tap on ‘My Money’.
Tap on ‘Cards’ and then on ‘Add New Card’.
Enter your RuPay credit card number, expiry date, CVV, and name as printed on the card.
Verify your card details with an OTP sent to your registered mobile number.
Set a UPI PIN for your card and confirm.
Your RuPay credit card is now linked to UPI PhonePe and you can use it for making payments.

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