Top 10 RuPay Credit Cards on UPI in India 2024

RuPay credit cards have become increasingly popular in India, especially with their integration into the Unified Payments Interface (UPI). These cards provide the convenience of UPI payments while offering rewards, cashback, and other perks. In this article, we’ll explore the top 10 RuPay credit cards that support UPI payments, detailing their features, benefits, and eligibility requirements.

UPI payments are incredibly popular in India, with almost everyone using some form of UPI app for transactions. Whether paying local vendors, large stores, or friends and family, UPI can be used anywhere and anytime. In this article, we have compiled a list of the top RuPay credit cards in India. These credit cards offer the best benefits and can be easily linked with your UPI app, enabling you to make payments with ease.

Criteria for Choosing RuPay Credit Cards on UPI

When selecting a RuPay credit card for UPI payments, consider these factors:

• UPI Compatibility: Ensure the card is fully compatible with UPI transactions.
• Rewards and Cashback: Look for cards that offer competitive rewards or cashback on UPI payments.
• Additional Perks: Consider other benefits such as lounge access, fuel surcharge waivers, and lifestyle privileges.
• Eligibility Criteria: Ensure you meet the income and credit score requirements.

List of Top 10 RuPay Credit Cards on UPI

Credit Card	Annual Fee	UPI Rewards
Tata Neu Infinity HDFC Bank Credit Card	₹1,000	1% cashback on UPI transactions
SBI SimplySAVE UPI Rupay Credit Card	₹499	Earn reward points on UPI transactions
Axis Bank Indian Oil RuPay Credit Card	₹750	2 Edge Reward points per ₹200 on UPI transactions
ICICI Bank Coral RuPay Credit Card	₹500	2 PAYBACK points per ₹100 on UPI transactions
PNB RuPay Platinum Credit Card	₹499	1 reward point per ₹100 on UPI transactions
YES Prosperity Rewards Plus RuPay Credit Card	₹499	6 reward points per ₹200 on UPI transactions
Union Bank of India RuPay Platinum Credit Card	₹499	2 reward points per ₹100 on UPI transactions
Canara Bank RuPay Select Credit Card	₹750	Earn reward points on UPI transactions
Bank of Baroda RuPay Select Credit Card	₹499	2 reward points per ₹100 on UPI transactions
IDFC HPCL First Power Plus Credit Card	₹500	1 reward point per ₹100 on UPI transactions

Tata Neu Infinity HDFC Bank Credit Card

Benefits:

• Welcome Offer: 1,000 CashPoints on the first transaction.
• UPI Transactions: 1% cashback on UPI transactions.
• Additional Perks: Complimentary lounge access, dining discounts, fuel surcharge waiver.

Eligibility:

• Minimum annual income of ₹3 lakh.

Review and Rating:

• Review: A versatile card that offers cashback on UPI transactions and strong online shopping benefits. Ideal for those who frequently use UPI for payments.
• Rating: ★★★★☆ (4.4/5)

SBI SimplySAVE UPI Rupay Credit Card

Benefits:

• Welcome Offer: Nil.
• UPI Transactions: Earn reward points on UPI transactions.
• Additional Perks: Fuel surcharge waiver, balance transfer on EMI, flexi pay option.

Eligibility:

• Minimum annual income of ₹2.5 lakh.

Review and Rating:

• Review: A solid choice for everyday use, offering rewards on essential categories and UPI transactions, making it suitable for those looking for a no-fuss, rewards-focused card.
• Rating: ★★★★☆ (4.2/5)

Axis Bank Indian Oil RuPay Credit Card

Benefits:

• Welcome Offer: Complimentary gift vouchers.
• UPI Transactions: 2 Edge Reward points per ₹200 on UPI transactions.
• Additional Perks: Free movie tickets, lounge access, fuel surcharge waiver.

Eligibility:

• Minimum annual income of ₹4 lakh.

Review and Rating:

• Review: A premium card offering significant rewards on UPI payments and lifestyle benefits like lounge access and entertainment offers, making it ideal for frequent travelers and UPI users.
• Rating: ★★★★☆ (4.3/5)

ICICI Bank Coral RuPay Credit Card

Benefits:

• Welcome Offer: Complimentary domestic lounge access.
• UPI Transactions: Earn PAYBACK points on UPI payments.
• Additional Perks: Dining discounts, fuel surcharge waiver, entertainment offers.

Eligibility:

• Minimum annual income of ₹2.5 lakh.

Review and Rating:

• Review: A reliable card with consistent rewards across all categories, including UPI transactions. Ideal for those seeking a well-rounded rewards card with added lifestyle perks.
• Rating: ★★★★☆ (4.2/5)

PNB RuPay Platinum Credit Card

Benefits:

• Welcome Offer: Nil.
• UPI Transactions: 1 reward point per ₹100 spent on UPI transactions.
• Additional Perks: Add-on cards, fuel surcharge waiver, EMI conversion option.

Eligibility:

• Minimum annual income of ₹2 lakh.

Review and Rating:

• Review: A budget-friendly option offering rewards on UPI transactions with essential perks. Great for users who want a simple, rewards-focused card with low eligibility requirements.
• Rating: ★★★★☆ (4.0/5)

YES Prosperity Rewards Plus RuPay Credit Card

Benefits:

• Welcome Offer: Nil.
• UPI Transactions: 6 reward points per ₹200 on UPI payments.
• Additional Perks: Fuel surcharge waiver, dining offers, concierge services.

Eligibility:

• Minimum annual income of ₹3 lakh.

Review and Rating:

• Review: Strong rewards on UPI transactions and added perks like dining discounts and concierge services make this card a great choice for frequent UPI users.
• Rating: ★★★★☆ (4.3/5)

Union Bank of India RuPay Platinum Credit Card

Benefits:

• Welcome Offer: Nil.
• UPI Transactions: 2 reward points per ₹100 spent on UPI transactions.
• Additional Perks: Fuel surcharge waiver, EMI conversion option, add-on cards.

Eligibility:

• Minimum annual income of ₹2 lakh.

Review and Rating:

• Review: A strong contender in the RuPay category, offering decent rewards on UPI transactions and basic additional perks. Good for users seeking a straightforward card with rewards on digital payments.
• Rating: ★★★★☆ (4.1/5)

Canara Bank RuPay Select Credit Card

Benefits:

• Welcome Offer: Nil.
• UPI Transactions: Earn reward points on UPI transactions.
• Additional Perks: Lounge access, fuel surcharge waiver, dining discounts.

Eligibility:

• Minimum annual income of ₹3 lakh.

Review and Rating:

• Review: A well-rounded card offering rewards on UPI transactions and additional benefits like lounge access and dining discounts, making it a good choice for travelers and frequent UPI users.
• Rating: ★★★★☆ (4.2/5)

Bank of Baroda RuPay Select Credit Card

Benefits:

• Welcome Offer: Nil.
• UPI Transactions: 2 reward points per ₹100 spent on UPI transactions.
• Additional Perks: Free movie tickets, fuel surcharge waiver, EMI options.

Eligibility:

• Minimum annual income of ₹2.5 lakh.

Review and Rating:

• Review: Offers competitive rewards on UPI transactions with additional perks like free movie tickets, making it a good choice for those who enjoy entertainment benefits alongside UPI rewards.
• Rating: ★★★★☆ (4.1/5)

IDFC HPCL First Power Plus Credit Card

Benefits:

• Welcome Offer: Nil.
• UPI Transactions: 1 reward point per ₹100 spent on UPI transactions.
• Additional Perks: Fuel surcharge waiver, airport lounge access, dining discounts.

Eligibility:

• Minimum annual income of ₹3 lakh.

Review and Rating:

• Review: A solid choice for those who prioritize UPI rewards and additional perks like lounge access. The IDFC FIRST Bank RuPay Credit Card combines rewards with practical benefits for frequent travelers.
• Rating: ★★★★☆ (4.2/5)

Benefits of Using RuPay Credit Cards on UPI

• Wide Acceptance: RuPay credit cards are now accepted across all UPI-enabled merchants, making it easier to transact online and offline.
• Secure Transactions: Enhanced security features including OTP authentication for every transaction.
• Reward Points & Cashback: Benefit from rewards and cashback on transactions made via UPI.

Linking your RuPay credit card with UPI apps and making payments is a straightforward process. Below is a step-by-step guide for both actions:

How to Link a RuPay Credit Card with UPI Apps

Step 1: Update or Install UPI App

• Ensure your UPI app (e.g., Google Pay, PhonePe, Paytm, BHIM) is updated to the latest version.
• If you haven’t installed a UPI app yet, download it from the Google Play Store or Apple App Store.

Step 2: Open the UPI App

• Launch the UPI app on your smartphone.

Step 3: Navigate to Payment Methods

• Go to the “Payment Methods,” “Bank Accounts,” or “Add Card” section, depending on the app you’re using.

Step 4: Select Add Card

• Choose the option to add a card. You may see an option specifically for “Add Credit Card” or “Add RuPay Credit Card.”

Step 5: Enter Card Details

• Input your RuPay credit card details, including the card number, expiry date, CVV, and the name on the card.

Step 6: Verify via OTP

• You will receive a One-Time Password (OTP) on your registered mobile number.
• Enter the OTP to verify and link your RuPay credit card with the UPI app.

Step 7: Set UPI PIN

• Set a UPI PIN for your RuPay credit card. This PIN will be used to authenticate transactions.

Step 8: Confirmation

• After successful verification, your RuPay credit card will be linked to the UPI app. You can now use it to make payments.

How to Make UPI Payments with RuPay Credit Cards

Step 1: Initiate Payment

• Open the UPI app and go to the “Send Money” or “Scan QR Code” section.
• Alternatively, select a contact or UPI ID to whom you wish to send money.

Step 2: Enter Payment Details

• Enter the amount you wish to pay.
• If you’re scanning a QR code, the payment details may be automatically populated.

Step 3: Choose Payment Method

• When prompted to select a payment method, choose your linked RuPay credit card instead of a bank account.

Step 4: Enter UPI PIN

• Enter the UPI PIN associated with your RuPay credit card to authorize the payment.

Step 5: Confirmation

• After successful entry of the UPI PIN, the payment will be processed, and you’ll receive a confirmation message.
• The transaction amount will be charged to your RuPay credit card.

Important Tips

• Ensure Adequate Credit Limit: Before making a UPI payment, check that your RuPay credit card has sufficient credit limit available.
• Transaction Charges: Be aware that some credit cards may have transaction fees for payments made via UPI.
• Track Payments: Regularly monitor your UPI app and credit card statements to track your spending and ensure all transactions are accurate.

FAQ